Is Mint Shutting Down and What to Use Instead: Complete Guide to Alternatives

Is Mint Shutting Down and What to Use Instead: What You Need to Know

The question "is Mint shutting down and what to use instead" has become one of the most searched queries in the personal finance app space. In short: yes, Intuit officially discontinued Mint as a standalone budgeting service, pushing users toward Credit Karma. For millions who relied on Mint for years, this is a major disruption. The good news? Several strong alternatives exist — and some arguably outperform the original.

Why Mint Is Shutting Down and What It Means for Users

Intuit acquired Credit Karma in 2020, and the overlap between the two platforms made Mint redundant. Rather than maintaining two competing products, the company migrated Mint's core features — budgeting, bill tracking, and credit monitoring — into Credit Karma. The transition wasn't seamless: many users lost access to historical data, custom budgets, and the familiar interface they trusted.

If you're still asking "is Mint shutting down and what to use instead," the practical answer is to export your data now (if you haven't already) and choose a replacement that matches your workflow. Not everyone wants Credit Karma's credit-first model, so exploring dedicated budgeting tools is smart.

Top Alternatives to Mint in 2025

1. YNAB (You Need A Budget) — Best for zero-based budgeting enthusiasts. It's paid, but the methodology and community support justify the cost for disciplined savers.

2. Monarch Money — The closest visual and functional successor to Mint. It offers net worth tracking, collaborative budgets, and a clean dashboard. Ideal for former Mint power users.

3. Empower (formerly Personal Capital) — Strong for investment tracking and retirement planning. Free tier covers most needs.

4. PocketGuard — Simple, automated budgeting for people who want minimal effort.

5. Rocket Money — Combines budgeting with subscription cancellation and bill negotiation.

Each option addresses the "what to use instead" dilemma differently. Test free trials before committing.

How to Choose the Right Replacement

Focus on three factors: whether you need investment tracking, how much manual input you tolerate, and your budget for subscription fees. Former Mint users transitioning to Credit Karma often find the budgeting tools shallower — so if detailed category tracking matters, Monarch or YNAB is the better call.

Conclusion

So, is Mint shutting down and what to use instead? Mint is gone, but the alternatives are mature, affordable, and in some cases superior. Export your data, evaluate two or three options, and migrate before your financial history becomes harder to reconstruct.

Compare Monarch Money and YNAB free trials this week — pick the one that fits your budgeting style and migrate your Mint data before you lose access. Перейти к подборке →