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November 3, 2023
Question

What are you moving to now that Mint is shutting down?

  • November 3, 2023
  • 27 replies
  • 0 views

Wondering what folks are planning to migrate to now that Mint is shutting down. I've used it since 2009 or so... feels like my whole financial life is in there. It was never perfect, but I still found it incredibly helpful. 

27 replies

November 10, 2023

I tried Empower and it seems to do the job.

 

When logging in, have not seen a formal Mint announcement about shutting down. When are they going to tell us officially?

November 15, 2023

Started Using Mint over 10 years ago for the budgeting and financial features vs MS Money.  Love it as is and need all the features.  I do hope this is not a done deal! 

If so, hope there will be a substantial time period once notified to transfer all my Mint history and data.  Trouble is to what? Keep throwing out suggestions.

November 18, 2023

Whatever it is, it won’t be to CreditKarma. It has barely any function beyond checking your credit score, and mine is always fine, so the program is basically useless. 
Has anyone tried “Empower”? It has many of the same features as Mint, plus it’s better at monitoring investments. 

Any suggestions?

November 18, 2023

I think CreditKarma will have more features once you get moved over to it - apparently at some point you will get prompted to.  That said, I've setup Empower and like it.  There are 2 issues for me that I see:
1)  You can't import any historical data so you'll need to download your data (transactions) from Mint then you'll have them as .csv files.

2)  Auto values don't pull from KBB so you just have a static value for your car assets.  House does pull from Zillow like Mint does.

Plus for me is it gets my in investment data correctly - Mint was missing the data for my unmanaged assets in my Bernstein accounts.  Empower has this correct which means my net worth is correct 🙂

I've tried my credit union (BECU) offering and didn't like it and also tried Fidelity's and had issues there too.  I plan to try out CreditKarma once I get moved over and potentially keep both running for awhile.  I may also try Simplifi and Monach.

Good luck!

November 18, 2023

 Jhoff 909,

Thanks for your lengthy, thoughtful reply. I've found some of the same things. I too, have Empower, and it seems to do many of the old Mint things and I'm especially glad that it can handle my investments and Mint had troubles with that.  I've read about Simplifi and Monach, so I may give them a try later. 

Meanwhile, it seems to me that unless you are very concerned about your credit rating, there's no real reason to sign up for CK. It's a bit of an embarrassment that Intuit would recommend a program that keeps you posted on your credit rating as a replacement for a robust account aggregator. I'll take your advice, though, and hold out a final judgement for a while to see if they add to it and make it more useful.

 

November 21, 2023

I started Dave Ramsey's Every Dollar today and removed Mint from my phone.  Now to delete my account entirely.

November 24, 2023

I'm sad and disappointed that this app is going away. It's discouraging that Intuit hasn't considered keeping Mint as a paid service. Nay, I'm surprised it wasn't the first option for Intuit, considering it could stream steady revenue from many users who would happily pay to continue years of satisfied usage.

 

I am also looking for an acceptable substitute. I haven't tried any of the options mentioned in this thread, but I did find this comparison article:

https://www.pcmag.com/picks/the-best-personal-finance-services

November 28, 2023

I really like mint. It's very simple and easy to use very little advertising It's perfect for the way I like to look at things. I'm not very interested in moving to Credit Karma as it is a lot of fluff and unnecessary things that I don't use and I don't really like it! I wish they would keep mint going because it's perfect for what I use it for.

November 28, 2023

Monarch had a black Friday /cyber Monday deal for 30 days free /half price for a year, so I'm trying that. It allows you to carry over historical data from mint, but not sure how seamless it is yet. 

December 28, 2023

How’s monarch working out? 

November 29, 2023

I moved over to Tiller about a month before Mint shutdown was announced. It has been great. I moved originally so that I could use excel and customize things a bit more. I was with Mint since college in 2015 and loved it. But Tiller is better even I think and can be used with excel or google sheets. 

December 15, 2023

Just moved over to Credit Karma and it is completely useless and devoid of any redeeming value.  It DOES NOT resemble Mint or any of its functionality in the least bit.  This seems like they deliberately want to lose users.  I've been a Mint user since 2010 and feel like all of the work I've put into budgeting and monitoring my personal finance has gone out the window.  Will give Empower a shot but from what I've seen so far their budgeting function is extremely lacking and doesn't really help me track category spending (vs. budget) month over month.

 

Will be deleting all of my accounts/information from Intuit and will be using H&R Block for my tax returns going forward just out of spite.

December 22, 2023

Monarch Money. https://www.nytimes.com/2023/11/11/your-money/mint-budgeting-app-alternatives.html

https://www.nytimes.com/2023/11/11/your-money/mint-budgeting-app-alternatives.html

 

The app was designed by the same inventor of MINT before it was sold to INTUIT. I've tried CREDIT KARMA.....serious deficits to MINT and CREDIT KARMA appears to be more of an advertising tool. I've tried QUICKEN which is not bad...but more complicated than MINT.  Ive tried INTUIT QUICKBOOKS...but also too complicated. Recently signed up for MONARCH MONAY and it seems this will be the closest to MINT for tracking finances across various platforms and institutions.

January 3, 2024

In case anyone isn't aware, Mint won't shut off till end of March, so we still have a few months to explore options.

 

I've been using Monarch for a month now and I think it is the one we'll stick with. It does everything Mint does regarding budgeting. Though the UI is a bit messier, it is also more functional.

 

But there is one feature I haven't come across yet, wondering if anyone else has seen a budgeting app that does this: Automatically set the new month's budget to = the income of the previous month. Right now I have to set this manually, but I like this approach as it keeps me honest about how much $$ I actually have to budget against. Monarch doesn't offer this, but the support team is pretty responsive so I hope it is something they will consider adding. Right now it seems the way budgeting works is to set your budget based on average income over the past 3 months, which is close but not exactly what I want.

 

Other niggling issues. Investment accounts aren't able to track transactions yet, so it looks like my 401K account didn't exist until 2 months ago, throwing off my balance history by a lot. Also, since Mint doesn't allow you to download property value history, Monarch is also unable to transfer that, which again affects net worth history. Not deal breakers, just slight annoyances. Overall the data transfer process from Mint, though time consuming, went fairly smoothly.

 

I also very briefly tried Quicken Simplifi, since they are offering a whole year free if you switch from Mint. One big red flag for me though is that they cannot connect to Citibank unless you disable 2fa. This has been a known issue for over a year, so it's pretty alarming that they haven't figured out a solution when Mint and others have had no issue.

 

You might see Simplifi marketing (ads in search or on webpages) claiming it was crowned the best budgeting app by NYT's The Wirecutter. However, The Wirecutter has removed that review from their site, so take of that what you will.

January 3, 2024

I’m retired and need the annualized budget and spend along with net worth to estimate retirement fund withdrawal and tax impacts.  Mint was perfect . Especially the feature that allows monthly budget and spend to rollover to see a calendar year spend vs annual budget. 
Anyone seeing those capabilities? 

January 3, 2024

Continued from prior: Another mint feature was the ability to zero out a particular budget line especially at end of calendar or fiscal year and to see prior time period spends monthly or annually.