# Mint Alternatives After the Shutdown

> Mint shut down on 23 March 2024 and Intuit moved users to Credit Karma, which inherited net worth and spending insights but not Mint's budgeting; pick Monarch for the full dashboard, Quicken Simplifi to spend less on the same job, YNAB for a method, Actual Budget to own your data, and Expensorr if data entry was what broke.

## Key takeaways

- Mint's shutdown was first announced for 31 December 2023 and then moved to 23 March 2024.
- Credit Karma inherited net worth and spending insights, not Mint's budgeting.
- Monarch Core is $8.33 a month billed $99.99 annually; its 7-day trial requires a payment method.
- Quicken Simplifi advertises $3.99 a month billed annually, marked down from $6.99.
- Actual Budget is free and open source, and Expensorr is free with only AI capture metered.

Mint closed on 23 March 2024, and the replacement Intuit pointed everyone at was Credit Karma. Two and a half years later the question has changed shape. It is no longer "where do I go", it is "the thing I moved to is not doing what Mint did, so what now". The honest answer depends on which part of Mint you actually used, because the free all-in-one dashboard that Mint was does not exist any more at that price.

## What actually happened

Intuit announced in November 2023 that Mint would close on 31 December 2023 and that users should move to Credit Karma, which Intuit also owns. That date was later pushed to 23 March 2024, which is when the product genuinely stopped. Credit Karma's [migration page](https://www.creditkarma.com/lp/mint-to-credit-karma-net-worth-signup) described it as Mint "being reimagined on Credit Karma", and warned that "you will lose access to your Mint profile after you move your Mint financial account data to Credit Karma".

The important detail for anyone still searching is what came across. Credit Karma's [home page](https://www.creditkarma.com/) advertises credit score, net worth, spending insights, and banking. It does not advertise budgeting. Mint's budgets were the feature that made people open the app on a Tuesday night, and that is the piece that did not survive the move.

## The options, side by side

| | Price | Free tier | What it is | Bank sync | Runs on |
|---|---|---|---|---|---|
| **Credit Karma** | Free | Yes, entirely | Net worth and spending insights | Yes | Web, iOS, Android |
| **Monarch Core** | $99.99/yr or $14.99/mo | 7-day trial, card required | Track and review | Yes, US and Canada | Web, mobile, iPad |
| **Quicken Simplifi** | $3.99/mo billed annually | None advertised | Track and plan | Yes | Web and mobile |
| **YNAB** | $109/yr or $14.99/mo | 34-day trial, no card | Zero-based budgeting | Select US, Canada, UK, EU banks | Web, iOS, Android |
| **Actual Budget** | Free, open source | Free if self-hosted | Envelope budgeting | GoCardless (EU/UK), SimpleFIN (US/Canada) | Self-hosted web and desktop |
| **Expensorr** | Every feature free, AI metered | Yes, permanent | Capture and categorise | None, by design | iOS, Android |

## Credit Karma, if you only ever looked at the dashboard

Plenty of Mint users never set a budget. They linked their accounts, glanced at the spending breakdown once a fortnight, and that was the whole relationship. If that describes you, Credit Karma is free, it is where your data already went, and there is nothing to solve.

Where it falls short: budgeting. Credit Karma does not advertise it, and the spending view is a rear-view mirror rather than a plan. It is also attached to a credit-score and offers business, which is what the free price is paying for.

## Monarch, if you want Mint but finished

Monarch is the product most Mint refugees landed on when Credit Karma disappointed them. Its [pricing page](https://www.monarch.com/pricing) lists Core at $8.33 a month billed $99.99 annually, or $14.99 a month billed monthly, and a Plus tier at $16.67 a month billed $199.99 annually that adds retirement forecasting, business tracking, P&L and tax-prep exports, and advanced investment analysis. The trial is seven days, and Monarch's own disclosure says a payment method is required and you cancel in settings before it ends.

Where it falls short: a hundred dollars a year is what Mint cost you in aggregate attention, not money, and seven days with a card on file is a short window to find out whether your particular bank connections hold. If you are weighing it against the rest of the field, [Monarch Money alternatives](/compare/monarch-money-alternatives) covers that comparison properly.

## Quicken Simplifi, if the job was right and the price was not

Quicken's [Simplifi page](https://www.quicken.com/products/simplifi/) currently advertises $3.99 a month billed annually, marked down from $6.99 a month, for spending tracking, bill management, and savings goals. That is roughly half of Monarch for a similar description of the work, and it is the shortest move for someone who wants a competent tracker and does not care whose logo is on it.

Where it falls short: an advertised discount is a promotion. Check the renewal price before you plan three years around the first one. Simplifi also sits inside the larger Quicken product line, which is either reassuring or precisely what you were avoiding.

## YNAB, if Mint's budgets were the point

If the budget was the reason you opened Mint, the honest upgrade is a tool built around budgeting rather than one that offers it as a tab. YNAB's [pricing page](https://www.ynab.com/pricing) lists $14.99 a month or $109 a year, which it presents as $9.08 a month, plus tax where applicable. The trial is 34 days with no credit card required when you sign up directly.

Where it falls short: YNAB is a method with opinions, and it asks for a few minutes several times a week. People who found Mint's passive budgets too much work will not enjoy it. [YNAB alternatives](/compare/ynab-alternatives) lays out the cheaper ways to get most of the same discipline.

## Actual Budget, if you never want this to happen again

The specific injury of the Mint shutdown was that a free product with your entire financial history in it was switched off by its owner. Actual Budget answers that directly. It is open source, describes itself as "a super fast and privacy-focused app for managing your finances", and it is free to self-host. It syncs banks through GoCardless in the EU and UK and SimpleFIN in the US and Canada, and it imports QIF, OFX, QFX, CAMT.053, and CSV, with managed hosting available through PikaPods if you would rather not run a server.

Where it falls short: you are now the operations team. When the sync breaks at 11pm, you fix it, and support is a community rather than a company. That is a fair trade for a certain kind of person and a bad one for most.

## Expensorr, if the tracking stopped being true

There is a version of the Mint story that none of the above solves. The budgets were fine. The dashboard was fine. What actually happened is that the automatic feed only saw card transactions, so the cash spending, the receipts you needed at year end, and anything in a currency your bank does not hold were never in there. Mint gave you a picture that was complete-looking and incomplete, and the shutdown just made that visible.

Expensorr starts from the capture problem instead. Photograph a receipt and the merchant, date, total, and suggested category come back as a draft transaction you confirm. Say what you spent and it parses the amount, merchant, and category out of the sentence. Wallets keep cash and card balances separate, labels tag a transaction by client, project, or trip independently of its category, and 75 currencies are recorded natively with exchange-rate conversion. Old history comes in from CSV, XLSX, or XLS, so a Mint export you saved in 2024 is still usable.

The limits belong in the same paragraph, because inferring capability from silence is how comparison pages mislead people. **Expensorr does not connect to your bank**, in any country. It does not file taxes or calculate deductions; it keeps records your accountant works from. It has no team accounts or approval workflows, and it has no investment or net-worth tracking, which is a genuine Credit Karma and Monarch strength it does not answer.

Every feature is free, including unlimited wallets, budgets, labels, splits, and 75 currencies. The free plan includes 20 AI receipt scans or voice captures a month, and the paid tier lifts that limit and changes nothing else. The [receipt capture guide](/guides/how-to-track-expenses-from-receipts) shows what scanning looks like in practice, [expense categories that actually work](/guides/expense-categories-that-actually-work) covers the structure worth rebuilding, and [Expensorr for freelancers](/for/freelancers) covers the client-and-project side if your spending is partly business.

## When Credit Karma really is the right answer

- **You want free and linked.** Nothing else in this list gives you linked accounts, a net-worth figure, and spending insights for nothing.
- **Your data is already there.** If you completed the migration in 2024, the history exists in one place and moving it again costs you the continuity.
- **You never used the budgets.** The feature Credit Karma lacks is the one you were not using, and paying $99 a year to replace a habit you did not have is how people end up with three abandoned finance apps.

## Rebuilding without the old data

1. **Assume the Mint history is gone** unless you exported before March 2024. Reconstruction is not worth the weekend.
2. **Start from today's balances.** Enter what each account holds now and let the new record begin cleanly.
3. **Write down the categories you actually used.** Not the forty Mint generated. Most people need about a dozen, and this is the one moment when cutting them is easy.
4. **Pick the tool for the part that failed.** If the dashboard failed, buy a better dashboard. If the budget failed, buy a method. If the data was never complete, buying either one will not help.

## The decision, in one line

Stay on Credit Karma if you only wanted a free picture of your accounts. Move to Monarch if you want the finished version of what Mint was, to Quicken Simplifi if the same job for less is the whole brief, to YNAB if the budgets were the point, and to Actual Budget if you never want a company to be able to switch your finances off again. If the real problem was that half of what you spent never reached the app, the fix is a capture habit rather than a better feed, and that is the gap Expensorr fills.

Sources, all checked on 9 September 2026: the [Intuit Mint article](https://en.wikipedia.org/wiki/Intuit_Mint) for the announced and final shutdown dates; [Credit Karma's Mint migration page](https://www.creditkarma.com/lp/mint-to-credit-karma-net-worth-signup) and [home page](https://www.creditkarma.com/) for what transferred and what it advertises; [Monarch pricing](https://www.monarch.com/pricing) for Core, Plus, and the trial terms; [Quicken Simplifi](https://www.quicken.com/products/simplifi/) for its advertised price; [YNAB pricing](https://www.ynab.com/pricing) for its price and 34-day trial; and [Actual Budget](https://actualbudget.org/) for its licence, hosting, sync, and import formats. Prices and promotions change often, so check before you subscribe. This is not tax or financial advice; talk to your own accountant about your situation.

## Frequently asked questions

**When exactly did Mint shut down?**

Intuit first announced Mint would close on 31 December 2023, then moved the date to 23 March 2024. The apps are gone from the app stores and mint.com no longer serves the product. Credit Karma's own sign-up page describes it as Mint being reimagined on Credit Karma.

**Is Credit Karma a real replacement for Mint?**

Partly. Credit Karma advertises net worth tracking and spending insights, and it is free. Its site does not advertise budgeting, which was the feature most Mint users actually opened the app for. If you used Mint as a spending dashboard, Credit Karma covers it; if you used Mint to budget, it does not.

**What is the cheapest paid Mint alternative?**

Of the paid trackers here, Quicken Simplifi is the cheapest, advertised at $3.99 a month billed annually against a $6.99 list price. Read the renewal terms before counting that saving across several years, because an advertised discount is a promotional rate rather than a permanent one.

**Is there a free Mint alternative that still budgets?**

Actual Budget is free and open source if you self-host it, and it implements envelope budgeting properly. Expensorr gives every feature free, including category budgets, with only monthly AI receipt scans and voice captures metered. Neither connects to your bank the way Mint did.

**Can I still get my Mint data back?**

No. The transfer window to Credit Karma closed with the product, and Credit Karma's own page warned that you lose access to your Mint profile once you move your data across. If you never exported, treat the history as gone and start the new tool from today's balances rather than trying to reconstruct four years of it.

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Source: https://expensorr.com/compare/mint-alternatives-after-shutdown
Published: 2026-09-09