ISO Mint (financial software) replacement

December 14, 2023 1:23 PM

Mint (the personal financial software) is going to be disabled starting in March since they were bought by Credit Karma. Credit Karma won't have the budgeting feature that is my main reason for using Mint. What's a good/easy thing to transition to?

If it matters, I use Apple products both on desktop and mobile, but I don't really require mobile/app support for most of what I want to do. I'd also like to not support another odious company like Intuit, but my top priority is just keeping on top of my wealth trends, spending and budgets.

As far as importing my data, my main financial institutions are pretty major ones, but I also have a variety of 401(k)s from past jobs at different places, so a tool with broad import support would be nice.

posted by Cogito to Work & Money (9 answers total)

there's a few good threads about this in https://www.reddit.com/r/mintuit/
posted by wutangclan at 1:31 PM on December 14, 2023

Also previously here on AskMetafilter. (I'm in the same boat and haven't figured out a plan yet...)
posted by mochapickle at 1:33 PM on December 14, 2023 [1 favorite]

I switched over to Monarch. I like it so much better. I wish I had done it long ago. I mostly use Mint for tracking spending and then looking at net worth occasionally.
posted by creiszhanson at 1:38 PM on December 14, 2023 [2 favorites]

I like Monarch a lot, but since the thread linked above, I’ve been trying out Tiller. It’s more setup work and less pretty interface but the killer thing it can do that Monarch doesn’t do well is handle irregular budgets. So I can tell it that my monthly income is usually Y, but in these three months it will be X instead, for example. Or I want to change my food budget to be different in certain months than others. I think for my specific needs that’s probably going to be enough to make me switch permanently, although I’ll try it out a while longer to be sure.
posted by Stacey at 1:51 PM on December 14, 2023

Following this thread with interest. As a longtime Mint user who has been on the lookout for other apps since mid-November, I've found ZERO (0) apps that can so all of the following three essential things I need from an app: (a) upcoming bills including upcoming credit card bills (not an estimate but the actual bill), (b) the ability to categorize transactions, and (c) budgets with automatic rollover so I can track my spending by category over a whole year as opposed to monthly.

Also NONE of the other apps sync with my Fidelity 401(k)s and HSA accounts, but that's Fidelity's fault so I can't blame them. Still. What an absolute bummer.
posted by MiraK at 1:55 PM on December 14, 2023

I do not care at all about budgets. I want to see all of my transactions in one place for easy monitoring, get spending trends, and track my investment accounts and overall net worth.

I'm using Empower (previously Personal Capital). I've been dual-widget/app-ing since the Mint announcement to see if it would work for me (since I already had an Empower/Personal Capital account) and I think it'll be an okay transition. I'm getting what I need from it, it just looks different is the main thing.
posted by phunniemee at 1:56 PM on December 14, 2023 [1 favorite]

Not that it really matters, but Mint was bought by Intuit around 2009ish, and about 10 years later Intuit bought Credit Karma. Now Intuit is doing their semi-decade tradition of thinking “oh shit, we are like 800 different brands because we acquire shitloads of companies every year, we need to consolidate some of them in weird ways so the public still has no idea what the ‘Intuit’ really is.”

Signed, a survivor of two different Intuit acquisitions.
posted by Back At It Again At Krispy Kreme at 3:38 PM on December 14, 2023 [1 favorite]

Copilot rules for budgeting.
posted by MisantropicPainforest at 5:21 PM on December 14, 2023

Big fan of Pocketsmith. Switched from Mint several years back when I realized why it was free.

Best features:
* Google Calendar-like interface
* Toggle auto-categorization & manually check/confirm expenses for linked accounts
* Easy import of CSV, OFX, QFX, etc. for when you don't want to connect your bank credentials
* Yodlee & Plaid integration to lots of bank feeds
* Awesome reporting and budgeting features
* Support team rules for the occasional feed issues - same folks have been working there for years!

Maybe missing some of these nicer features like auto credit card bill importing, but I've never considered using anything else. I do have a referral link for a one-month free trial and can share via DM (via their tell-a-friend program) but also recommend it well outside of anything I'd get for sharing. It's just really good budgeting software.
posted by spbb at 10:39 AM on December 16, 2023