SimpleFinancesWhat 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. Here's our full Credit Karma alternative comparison if that's your situation.
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 trial that later converts you into a surprise charge is not really predictable. Weigh those against your own habits, then judge each option on how directly it answers them.
SimpleFinances in one line: every transaction organized by category, plus the next step to take: flat $19.99/month or $100/year pricing with automatic categorization, read-only bank connections through Plaid, and a subscription finder that surfaces the recurring charges quietly draining your account, across our 900+ members.
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 transparent flat pricing, whether the tool sells your data or shows ads, and how directly the tool answers "where did my money go this month."
| SimpleFinances | Credit Karma | Monarch | Rocket Money | |
|---|---|---|---|---|
| Entry price | One-time $49.99 full review; $19.99/mo after, optional | Free | No free tier (7-day trial) | Free tier |
| Premium price | $19.99/mo or $100/yr | Free | $14.99/mo or $99.99/yr | "Pay what you want," ~$7–$14/mo |
| Free trial required? | No, flat pricing | — | 7-day trial | 7-day Premium trial |
| Categorized transactions | Yes, automatic | Limited | Yes | Yes |
| Tells you what to fix first | Yes Full review with next steps | A dashboard you set up and maintain | A dashboard you set up and maintain | A dashboard you set up and maintain |
| Subscription finder | Yes (Premium) | No | Yes | Yes (plus cancel & negotiate) |
| Net worth & cash flow | Yes + health score | Basic | Yes | Yes |
| Bank connections | Plaid, read-only + manual | Read-only | Read-only | Read-only |
| Platform | Web (any device) | iOS, Android, web | iOS, Android, web | iOS, Android, web |
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: pricing is a flat $19.99 a month or $100 a year, so you can rebuild the history you lost when Mint closed without a countdown clock forcing a decision. And unlike Mint, SimpleFinances is paid for by subscriptions, not by selling your data or showing you ads.
How much does SimpleFinances cost?
Premium is $19.99 a month, or $100 a year, a flat, printed price with no trial timer. 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. Prefer one payment over a subscription? The one-time Full Financial Review is $49.99: a complete report, yours to keep. You know your price before you commit, and it stays 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?
It's easy to see if SimpleFinances fits. Create an 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 know your flat price up front and can take your time deciding whether Premium is worth it. And if you'd rather buy a single report than start a subscription, the one-time $49.99 Full Financial Review covers that. Former Mint users lost their history once already; the goal here is a tool you can settle into and keep.
See where your money actually goes
Premium is $19.99/month or $100/year with no trial countdown and no data selling. Rebuild the clarity Mint used to give you in a few minutes.
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