Mint is free by selling ads.

What do folks think about lifetime membership fee for an alternative service? (target app needs to figure out a biz model without Ads in the long run).

1. No: free only.
2. Yes: $99/lifetime.
3. Yes: $199/lifetime.
4. Yes: $49/lifetime.

I'm working on a project that is very similar to Mint. Seems to me that when Mint shut down, there was no clear "next-best" competitor.

What, in your opinion, made Mint so good that people are still looking for good alternatives so long after it got shut down? What did it have that the competitors lack?

For all those who greatly miss Mint like me, I just stumbled upon a great comparative alternative in my opinion, the Chase App! In the Chase App, the Plan & Track shows your overall expenses and net worth. Clicking the "Income & Spend" button takes you to the "Spending Planner" which allows for more granular expense category tracking and budget planning. Any Chase credit cards are automatically available, but you also have the option to link external accounts. I finally feel like I have visibility to my spending and savings again!

Hi all,

I take handing out and the handling of my personal information (email address, cellphone number, etc.) extremely seriously, especially after I got burned by a service provider leaking my details to scammers from afar. I log almost everyone I’ve ever given these details to and set up multiple masked email addresses, which sounds tedious - it is - but has come in handy for tracking down who sells my information (hi Canva and Xfinity!) and when I move house, etc.

Anyway, I had an account with Mint before Intuit took it over, which I never really used. I've been doing some IT housecleaning and I’d like to delete my details (mainly contact information) from Mint’s old database, but obviously its acquisition complicates things. I’m not sure how those details were handled during the takeover, such as whether Mint’s databases were wiped and everyone had to start new accounts with Intuit, or whether they were migrated over.

Anyone have any insights?

Thanks!

There are dozens, if not hundreds, of posts asking about this. I understand some may be intentional ads, but I think people are genuinely looking for similar solutions.

There are several good alternatives, like Monarch Money, Copilot, and Quicken Simplifi, which I personally find offer a better experience than Mint.

So, is it fair to say the real reason is that Mint is the only good FREE option?

Everyday 11 months later and people still asking for mint alternatives.

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Hello! Several months later, I am curious to know what everyone replaced Mint with in Canada? I am still struggling to find the best alternative.

Recently started using Pocketsmith but the dates always start from the start of month, whereas I get my salary in the middle of the month. As a result, budgeting is a bit off. Is there a way to change it so that budgeting is counted from when I get salary?

Thanks!

Hello,

As I began to become more financially literate and conscious about my spending, I invested in Rocket Money. I only have 3 debit cards, 3 credit cards, 1 Roth IRA account and 1 loan. So far, it's helped me budget and keep track (and reduce spending in unnecessary stuff).

However, I noticed it only displays 2 years of my financial data from September 2022 to now. I would like to see if this is the norm for everyone and if there is another app or way I can get to have ALL my financial data displayed in graphs and recorded in categories, not just two years. I need at least other 10 years. What can be done?

Also, should I save this thing called CSV before the months ends to avoid losing info? Where should I download for all the years? How can I use it?

SUMMARY: is there a way to get all financial information in graph and category from, not just 2 years like in Rocket Money?

I am trying alternatives to mint and when I was configuring the connection to one of my accounts, forget which one, the financial institution made me acknowledge a whole bunch of things that, in this case, plaid would have access to and could keep on their servers and potentially sell and all this type of stuff. I’m generally pretty lax about this if it’s a reputable company or whatever, but this spooked me a bit. Especially because they would have every single detail of my financial life until I cancelled or changed the password. Thoughts?

I can't seem to load what is being advertised on television Rocket Money to my phone. Seems they should have made it easier, as downloading app then leaving it to check my email, and then finding something to take a picture and do something with it. Doesn't want on my smartphone.

But reading comments, seems the app is very misleading. Reading this version only allows you to check for subscriptions, But NOT CANCEL THEM. And there was no mention of buying or fees for their service. So maybe a good thing my smartphone won't allow me to download and use?

I will explore other free apps that do the same thing. I didn't know this type of thing was available to begin with.

Nice improvement in Wealth Position showing shankey chart to see income, expenditure and net income.

Hi all, I was a loyal mint user for many years mainly focused on tracking my spending.

My new wife and I have mostly separate bank accounts and we’re looking for a platform that will allow for us to each manage our own independent finances AND view them jointly.

We are mostly concerned with tracking spending (bonus points if it can put together reports on HISTORICAL spending) but later may wish to add budgeting.

Security is also of paramount importance.

Thanks!

I thought mint didn’t exist anymore, but I got a credit score alert from them today, anyone else get this? Anyone know what’s going on?

So ive linked my mint account to my chase banking and i have three credit cards, is there anyway i can have a dashboard view of all of them combined and see all my transactions from most recent to oldest?

I really loved mint and its 1) net worth consolidation feature and 2) notifications for abnormal things like 1x fees or such. I don't really use the budgeting feature but need something that is really good at pulling data and linking accounts and doesnt always have issues so I can see in real time where I am tracking. I have 4 CCs, a bunch of trading, 401k/IRA accounts., crpyto, 2 checking accounts .. right now am using Credit Karma and its horrible.

The UX sucks, and I am struggling because I need something that can incorporate live crypto (coinbase, uphold etc.) as well. Any recommendations? I have gone through this sub reddit but there are so many diff things people are solving for so I figured worth a post

UPDATE: I tried CoPilot and coinbase failed; Didnt want to pay for Monarch so now am testing out ROI and linking everything was the smoothest thing ever so far including crypto and event alternative investments (art etc)

Question:

There’s one key decision I have to ask you about, since we’re here, and you mentioned things fitting into the Intuit operating system. I was a very loyal Mint user. You decided to shut that whole service down. What was your thinking there?

Answer:

There was a very small cohort of customers who were using Mint, and we decided that in order truly to have a platform that we can use to serve millions of customers, we would port most, if not all, of the capabilities into Credit Karma. I can’t remember the exact percentage, but I think 30–40 percent of Mint’s customers are now on Credit Karma — by the way, happier than before — and I think there’s 20 percent of customers who we can’t serve today with Credit Karma.

But we’re OK with that because there was a very small cohort of customers who we could serve on Mint, and we ultimately made the decision to be one platform. By the way, if there’s anything we can do to help you, send me an email. My email address is available on our website. Anything I can do to help you, we will. But we can’t replace Mint exactly the way it was.

After Mint shut down, I always wondered if there was any alternative for bigger purchases to see what exactly I purchased and not just how much at companies like Amazon, Target, and Costco. I have started building out a way to import those purchases along with the products so you can manage everything in one place. After testing it for a few months it would be great to get a few more people to try it out and share some feedback.

purchasd.com

Chrome Extension

Are you still searching for a financial app that makes it easy to track your daily expenses and manage your wealth without the clutter? Look no further — Just Simple Finance is here to help!

Just Simple Finance has a long 3 trials for you to freely testing it out.

Current Features (Built to Improve Upon My Experience with Mint):

• Expense Tracking: Connect via Plaid for easy expense monitoring.
• Expense & Wealth Analysis: Get a detailed breakdown of your financial life.
• Family Tracking:
  • Link up to 4 accounts
  • Perfect for family group tracking—analyze spending habits while keeping personal accounts private if needed.
• Multi-Currency Support: (Canadian-based, so I’ve got you covered for multiple currencies! 🇨🇦, currently CAD and USD but can easily be expended)

What’s Next? This is just the beginning — We want to build this app with you! We want your feedback to drive future features. Here is the current pipeline:

• Split and Merge Transactions: Soon, you'll be able to split and merge transactions, allowing for better organization within your spending categories.
• Asset Tracking: You'll be able to add assets such as homes, cars, and watches to your account, giving you a more accurate picture of your overall wealth.
• Dynamic Budgeting: We believe in dynamic budgeting over rigid number-based budgets. Soon, you'll be able to allocate your budget more flexibly, adapting to the adventures you want to pursue.

Join the community and help shape the future of Just Simple Finance. Your ideas are valued and prioritized! Together, we’ll build a tool that works for all of us.

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https://www.justsimple.finance/

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Let’s make finance tracking simple — together!

A few months ago, Intuit announced a change to QuickBooks Online Payroll such that tax payments will no longer be collected when tax payments are due, but rather when payroll is run if you would like to continue to use automated tax payments. What does this mean? Intuit gets to collect your money and accrue interest on those funds instead of you.

For example, a business that pays its employees twice a month, let's say the 1st and 15th each month. The tax payments are due around the 17th of the following month. What this change means is that Intuit gets to collect those funds a month and a half early for the paycheck on the 1st of the month and a month early for the paycheck on the 15th. By this change, in aggregate across all of their payroll customers, they stand to collect MILLIONS in interest, by essentially stealing the time value of money from their payroll customers.

As a result, I will be transitioning away from Intuit payroll over the next few months.

Do you think there's ever a change Mint will ever come back to life? I really loved that app a lot. I had even messaged Intuit before they decommissioned it that I would have gladly paid a monthly subscription for the service. It was high quality service imo. I'm curious if there are others who would have also paid monthly to keep Mint alive.

Tried Simplifi, Lunch Money and Moolahmate - none seem to do MBNA Canada. Any recommendations?

I am a Developer and Entrepreneur.

I have been using Mint since inception and after the CK merge, went back to my excel as I really hated the experience.

Now that I have time to build an app, wanted to find out what this community wants and build exactly to your requirements and no BS.

So fire away.

Does anyone have any recommendations for an app that lets me see a bird's eye view of my net worth? I'm not looking for an expense tracker, but more something that just syncs with all of my financial institutions and charts total net worth over time. I was previously using Wealthica, which was exactly what I was looking for, but they are forcing me into a paid subscription in January to connect more than 2 financial institutions. The cheapest plan is $12 a month which seems quite steep for an app that I look at once every month or two. The most important feature is that it can connect to a range of financial institutions (regular banks, investment companies like Fidelity, Manulife, etc) and the ability to include non-monetary assets like gold and real estate. Anyone have any suggestions as to what they are using?

When Mint shut down, I did a thorough analysis of all the different tools I could switch to.

There was a comprehensive spreadsheet here that was very helpful. Between Mint and a spreadsheet, I felt like I used Mint in a similar “envelop”/zero budgeting type system. In addition, YNAB seemed to be the only tool that had all the features I needed.

So I switched to YNAB, I’ve been using it monthly since, and I absolutely fucking hate it.

I need a new tool. Can you help me choose one?

The short version:

I’m looking for something with these features.

• I’m in the US and use iOS for mobile, so it needs to work in these circumstances.
• Splitting transactions.
• Categories can rollover month to month.
• Syncs Apple Card transactions daily (in addition to other more common banks/credit cards)
• Rules which allow it to remember “always categorize this merchant as X category”
• Manually adding transactions from time to time. This usually only happens when I take money out of the ATM at an event, and then want to categorize how I spent that cash, so at the end of the month/year, I have a sum of exactly how much I spend on drinks, games, etc, even if I spent cash on it.
• Able to search the history indefinitely. Often I want to go back and see how I spent money in a category in previous years, to help inform how much I should plan to spend the upcoming year.
• I mostly use it for month-to-month budgeting. On the first of each month, I set an amount for different spending categories. During the month I categorize transactions into those categories. During the month, if one category looks like it’s going to go over, with Mint I would just take some budget from one category and add it into another.
• I also use it to look at expense categories for when I file my taxes each spring. I’m self employed, but it’s fairly simple consulting without a ton of expenses, so I have a few categories for tracking business expenses (and have separate bank/credit card accounts for business).
• Some basic reporting/trends is helpful, so I can review how much I’ve spent/earned in a given period. I regularly used Mint’s Spending Over Time trend page, which showed a simple bar graph & chart of total spending each month. Using this I would click into a month to view a list of the transactions for that month. It was also helpful that it showed the average per month, so I didn't need to do that math.

The long version

If you want to hear me piss and moan about YNAB, I had to dictate this stream of consciousness to get my frustrations out before I could properly write a list of features I needed, so here it is. Maybe I’m just an idiot. YNAB makes me feel like an idiot every time I use it. Somehow Mint was the opposite, I pay off my credit cards each month, and was easily able to see where money was going, how I was using it, saving money, changing financial priorities, etc. With YNAB, that feels like a thing of the past.

I used to jump into Mint and quickly categorize transactions/check on my finances twice a month. I even looked forward to it, and I think this is very important to do. Once several of my credits cards got skimmed at a grocery store self checkout, and thanks to Mint’s reliable mobile widget and my process of regularly reviewing transactions on it, I quickly caught it and resolved the issue.

I can’t imagine such a thing with YNAB. The user experience is awful and I dread the process of trying to decipher the tool each month. Because it’s so confusing, I don’t look at transactions as they come in. Now instead of categorizing every 2 weeks and reviewing transactions daily, it’s more like dragging my feet to get to it every 6 weeks for a painful process of trying to remember yet again how to use YNAB and what I’m even looking at.

The problem doesn’t seem to be the zero-based budgeting aspect. I was already doing something not all that different with Mint and a basic spreadsheet. It seems like YNAB fulfills the appropriate features. But the issue with YNAB I think is the confusing UI/UX.

Things I liked in Mint:

• Having categories listed in a month-by-month view, where I could easily click back through each month and see how much was in any given category. Then I could easily click into the category to see transactions. I get that YNAB does this, but the UI is awful and requires 10 times the clicks to see something that should be simple, usually more because I can’t remember where to see this info.
• Sorting categories from biggest spending to least spending. It seems like because there are sections encompassing each category in YNAB, you simply can't do this. So often I'm nitpicking things in low spend category when I should be spending my time trying to figure out how to reduce a high spend category.
• The budgeting view for each month in Mint was extremely intuitive. It just showed a list of each category, how much was left in that category, and a $x of $x indicator, including when it was -$x of $x indicating I could spend more. Nothing more nothing less. The bars and colors were intuitive and clear. Knowing how much I had left helped me know how much I could spend for the rest of the month. YNAB, by contrast, tells me how much more I need to fill that category, and the progress bars are confusing as hell, so I have no clue how much more I can spend in a category at any given time in a month. And I have no idea what the striped bar versus the solid bar vs the unfilled bar is supposed to mean and have to decipher it every time I try to use it.
• Splitting transactions. I realize YNAB does this, but sometimes I hit Enter or Escape or… something at the wrong time, and it exits the split function, clearing out everything I just typed, forcing me to do a bunch of things all over again. I use this for Amazon transactions often. I’ll buy a bunch of stuff I need off amazon then in the software split the single transaction into the appropriate categories. Every time I accidentally exit the split function, I have to go back and find the amazon order, figure out again what I was splitting out, add up how much it cost, etc. Ugh.
• Categories that roll over month to month. I know YNAB has this, but I can’t easily click into a category to see what was spent in the previous month. I have to interrupt my train of thought to remember where to look for that, go to a different tab, get my bearings on what I’m looking at again, search for the category, and then remember what I was doing before that to get back to it. This seems like a dumb thing, but I have ADHD, so this process interruption to see something simple is a big deal, that can be the difference between me looking at my finances vs getting frustrated and doing something else.
• Mint had a graph on the main dashboard showing how my spending compared to last month. This graph was so handy. Most months, the lines on the graph have a similar slope upwards, but if there was a big difference, it indicated to me I should check my finances. YNAB doesn’t seem to have anything like this. Even if I do remember to go to the reflect tab and look at the total expenses for the month, there’s no quick and easy way to just compare mid month how I'm doing, so I’m likely to overspend since I have no clue where I currently stand.
• I loved Mint’s spending over time trend graphs. I could set the duration to a year and see a simple bar graph for total spend each month, which helped me quickly visually spot months with unusually high or low spending. At the end of the year, and periodically, I can look at these to see ways I could change my finances to work for me, and to plan for the future. I guess YNAB has something like this in the net worth page, but because the assets bars are so much higher than the debts bars and it's all the the same graph, the debt bars all just look like they’re at the same height, so it's impossible to see which months there was higher or lower spending.
• I don’t know how it’s possible, but somehow even using the filter drop-down in YNAB is more clunky than Mint. I never got disoriented or confused when trying to filter or search records in Mint, yet it happens every time I try to do it in YNAB.

Problems I have each time I try to use YNAB:

The whole inflow/outflow system and the double transactions are confusing as hell. Before, I just put transfers into the transfer category and credit card payments into the credit card payments category. With YNAB, half the time it doesn’t know where money came from so I have to figure out what to put in the field, and of course because there’s an inflow and outflow record each, which should be a transfer to and which a transfer from is swapped each time and I can never decipher which is which. I end up guessing and half the time I pick the wrong thing and half to analyze the account to realize it and then go back and fix it. I waste at lot of brainpower assessing this every single month.

In the case of my Apple Card, YNAB can never remember which account the money came from, so I spend time each month first avoiding those transactions, then going on a search to figure out what I did last month to enter it properly, then getting even more confused because Apple Cash is not synced to YNAB I have no clue each month what I did the last month to input that cash that I use to pay the Apple Card statement balance. I have to go through extra steps to add Apple Cash to a cash account so I can pay from there to the Apple Card. The number of steps it takes to categorize something so simple and is ultimately like $4 is bonkers. But if you don’t do this, YNAB constantly tells you something doesn’t add up, because it doesn’t, and time this adds up. I like to calculate my spending to the dollar. I don't make a ton of money so getting this specific is important to make sure every dollar gets used in the best way possible.

I can’t figure out what to do with categories that should only be for one month. For example I went on a mini weekend vacation—I don’t want to see that vacation category in the budget the next month. But even though I set an end date, it still stays in the budget list, because there’s no view to see the categories you had month to month. I seem to have to move it to a custom made “hide me” section or something, but then I end up with a bunch of random things in that hide me section, which I don’t want either. Once a bunch of things are buried in there, they're lost forever as far as trend tracking. I like to easily see how much I’ve spent across categories across time so I can use that to plan for future similar needs. If it’s in hide me, I have to now be able to recall what month the thing occurred, or that there's something I've hidden in general, and know to go look for it. I don’t want to delete the category since I want to review it end of year. Because everything is so manual like this, I easily miss things, lose them, or get overwhelmed, which defeats the purpose of having a system at all.

And then, when I do want to see in that previous month category that I’ve begrudgingly kept on the budget list, it’s useless to me. Take that vacation example. I did that several months ago, and this month I wanted to setup a similar category for a similar future vacation. I wanted to look up how much I spent and what I spent it on in the past. But when I click on it in the budget list, there’s nothing in that category anymore since it ended in a previous month, so it just shows 0. In the inspector, the only item that doesn’t show a 0 is the average assigned and average spent, but that’s not what I need. I need to know the total spent. But there’s no way to easily click from the budget view to see the list of transactions for that category and the total. So then I puzzle each time which tab I’m supposed to be in exactly. I have to go to the reflect page, find the month the vacation happened, and look up the total. It's so many extra steps. It was so much easier to just page back through past months like I could with Mint. It's consistent with how my memory works.

Another case where I want to just click from the budget page to see all the transactions in a category is that a lot of my categories roll over month to month, so I need to quickly be able to see what was already spent. For example, each month I check how much I spent at the pharmacy. But if I haven’t spent anything yet this month, it just says zero, and I can’t easily check past spending. Instead of clicking on the category from the budget page, I have to either search for it in "All Accounts" or go to the reflect page, adding so many extra steps. I can never remember where anything is. Even when there were transactions for that month, when I can even remember what to click on to get the little popup that shows the current months transactions, the popup has a table with too much info in each cell, so all the cells are cut off rendering the popup not useful anyway.

There’s just way too much unclear terminology. For example I constantly mix up what “assigned” and “available” and what those are supposed to mean. I constantly confuse what the solid vs striped vs unfilled bars are supposed to represent. I can never remember the time period that I set up a category for, so when I'm reviewing an overview of the budget I feel like I’m just crossing my fingers hoping for the best each time I look at the numbers listed, because I never can remember what it’s supposed to mean. Inflow and outflow are always confusing in the case of any kind of transfer or credit card payment. I can never remember if it's inflowing or outflowing for the account or the payee.

Upon the closing of Mint and rising of AI, we have decided to create a simple and intuitive expense tracking app for users keep track of their expenses and budget.

We are proud to introduce Rolly: AI Money Tracker, where you can now chat with Rolly and your transaction will automatically be categorise under the most suitable category. Use any language or any currency, your input will always be saved and converted into your selected currency. On top of that, you can now set custom categorisation rule if you have any special categorisation requirement. Rolly also support budgetting and personalised insights (where you can chat with Rolly and ask about your transaction). There is a demo video here for anyone interested to have a sneak peek!

I was really impressed with this for true multi-currency net worth tracking across every brokerage/bank I have.

They offer a $100 to both if I sign up with anyone's referral code, so feel free to post here or DM me :)