Looking for a Mint alternative? Here's what actually replaced it.

What happened to Mint?

Intuit announced in November 2023 that it was retiring Mint, and the app officially shut down on March 23, 2024 — ending a roughly 17-year run that had grown to around 25 million users. Intuit steered people toward Credit Karma, a credit-monitoring service it acquired in 2020. The handoff was thinner than most users expected: only your account login carried over to Credit Karma. Your transaction history, custom categories, budgets, savings goals, bill reminders, and recurring-transaction labels did not migrate. Mint gave people a short export window to download their data as CSV files, and once the shutdown date passed, there was no way to recover any of it.

That left millions of people who had built years of financial history inside Mint suddenly starting over. The search for a replacement is why "Mint alternative" is still one of the most common personal-finance searches in 2026.

Is Credit Karma a real replacement for Mint?

Not really, and it helps to be honest about why. Credit Karma is genuinely good at what it was built for: free credit-score monitoring, credit-report tracking, and product recommendations like cards and loans. Intuit did bolt some money-tracking features onto Credit Karma during the migration push, so you can connect accounts and see transactions. But the thing that made Mint Mint — category-based budgeting, where every purchase is grouped so you can see how much you actually spent on groceries, dining, or subscriptions — is not the product's focus. Credit Karma makes its money by recommending financial products, which is a different job than helping you understand your own spending. If you loved Mint for the credit score, Credit Karma is a fine home. If you loved Mint for the category breakdown and the monthly "where did it all go" answer, you'll want a purpose-built budgeting tool instead.

What should you look for in a Mint replacement?

After Mint, the smart move is to pick a tool that solves the exact reason you used Mint in the first place. For most people that comes down to five things. First, automatic categorization — transactions sorted for you, so you see spending by category without manual tagging. Second, secure bank connections that are read-only, so a tool can see transactions but never move money. Third, a subscription and recurring-charge finder, since forgotten subscriptions are where most budgets quietly leak. Fourth, a full-picture view — net worth, cash flow, and a health check, not just a list. Fifth, pricing you can actually predict, because a free tier that later corners you into a surprise charge is not really free. Weigh those against your own habits, then judge each option on how directly it answers them.

How does SimpleFinances compare to Credit Karma, Monarch, and Rocket Money?

Here is an honest side-by-side of the tools ex-Mint users most often weigh. Every competitor has real strengths, and the table reflects that — Monarch is polished and couple-friendly, Rocket Money is excellent at finding and cancelling subscriptions, and Credit Karma is a strong free credit tracker. The differences that matter for a former Mint user are the free tier, whether pricing is predictable, and how directly the tool answers "where did my money go this month."

Why SimpleFinances fits ex-Mint users

SimpleFinances was built around the one Mint feature people miss most: seeing every transaction organized by category, and knowing the next step to take. When you connect an account through Plaid — a read-only link, so your login stays with your bank and nothing can move money — your purchases are sorted automatically. You get the monthly "where did it all go" answer Mint used to give you, plus a Premium subscription finder that surfaces the recurring charges quietly draining your account. On top of that sits a financial health score, a net-worth timeline, and a cash-flow calendar, so you see the whole picture rather than a wall of charts. And there is no data cliff: the Basic tier is free forever, so you can rebuild the history you lost when Mint closed without a countdown clock forcing a decision.

How much does SimpleFinances cost?

The Basic tier is free forever — no credit card, no trial timer. When you want the full toolkit, Premium is $19.99 a month, or $100 a year. Paying annually works out to about $8.33 a month and saves you $139.88 versus twelve monthly payments — roughly 58% off. What we deliberately do not do is run a free-trial countdown that auto-charges you, or a "pay what you think is fair" prompt that nudges the number up. You start free, you stay free as long as you like, and if you upgrade the price is flat and printed plainly. That predictability is the point: after Mint disappeared, the last thing former users want is another billing surprise.

What's the next step after Mint?

You don't have to commit to anything to see if SimpleFinances fits. Create a free account, connect one account through Plaid or add transactions manually, and within a few minutes you'll see your spending sorted by category and a first pass at the subscriptions you're paying for. If it answers the question Mint used to answer — where did my money actually go — you'll know right away. Because there's no trial clock, you can take your time deciding whether Premium is worth it. And if all you ever want is the free categorized view, that's a complete, honest product on its own. Former Mint users lost their history once already; the goal here is a tool you can settle into and keep.

Related: SimpleFinances home · Plans & pricing · SimpleFinances vs Rocket Money