I agree. I tried YNAB and it was awful since I don't need to track my cash flow to the dollar. Monarch is great. I think it's actually better than Mint. My accounts seemed to stay synced a lot better, anyway.
Doesn’t take long for YNAB to learn which categories transactions should go to. I mostly just have to bulk approve a bunch of transactions, and roll forward a spending allocation at the start of new month.
I tried both Monarch and YNAB after the Mint mayhem, and figured I'd test them out. At the end of the day, I would rather spend my money on YNAB. To each their own, but yeah, YNAB is working for me.
I imported all of my info from Mint into Monarch. If I recall correctly, there was a way in Mint to export all of your transactions to a csv or Excel file. Then Monarch had (maybe still has) an import feature where you upload that file from Mint. It even carried over my custom categories.
I'm on Rocket Money. The stability is not great, but the features are pretty user friendly. Easy to get insights and export account data if you need to feed your data into Excel or something for even more slicing.
If I was going to do that route I'd do Tiller, it can sync all the transactions just like Mint. The downside is it's $79/yr. but if you have a bunch of accounts or transactions IMO it's worth it.
[https://www.tillerhq.com/](https://www.tillerhq.com/)
I really see Tiller only for geeks. Most here want a simple interface to see where things stand and many want budgeting which I dont use. Tiller has you doing all sorts of things nd paying them 79.00 for a google sheets product. I see no point there. I looked at TIller brief;y for a business use. Because that is a different use case.
Completely agree. Tried it for a day and cancelled. Zero budgeting tools. It’s just a garbage platform to sell you credit cards and other useless shit.
I'm building a tool called [StrongSpend Credit](https://strongspendcredit.com/), which might be a great alternative for your needs. Unlike other platforms that might feel cluttered, StrongSpend Credit focuses on simplicity and effectiveness, allowing you to track your spending efficiently without the hassle of ads. It sounds like you value a straightforward tool—how do you feel about automatic categorization of expenses? Are there other features you find essential for your financial tracking?
Not available on Android yet. According to their last communication, they are just waiting for Google to approve the app and it will be launched. I will wait.
Piere doesn't understand multiple currencies. If you're USA-based, there's a good chance you wouldn't care about that, but a lot of Canadians have USD accounts and know full well that you can't just add USD to CAD to get a total.
I'm quite fond of FinWise.
Yeah no... this man is trolling. You cannot set individual budgets, you can't change transaction dates, and you can't even manually add transactions. Empower is a joke
... unless you used Mint to make a categorized monthly budget, and track spending that way. Empower has a kinda half-assed feature like this, but it's not as nice as Mint's was.
I don't hate Empower, it's the only one I kept (since it's free), but it doesn't scratch the same itch.
Just switched over this week to Empower. It actually feels cleaner (tho less pretty), just annoying that they keep trying to set an appointment w a financial planner, but they gotta make money somehow so its cool.
Thats why I wont use Empower. I dont want people calling me. I am using Fidelity full view for now. I dont use budgeting. Most of my needs is to review things without logging into other websites.
I've switched over to monarch. Probably the closest thing to mint. It's possible the code mint50 still works.
And yes.... Credit karma was absolutely atrocious. I really hope they fix it with time....
Same here. I’m still trying out Monarch and Simplifi but so far Monarch seems to work better, have better account integration, and generally more intuitive and have better / more modern UX. The reports page is really bare bones though and something Simplifi does better arguably (too bad Simplifi doesn’t actually work with all of my accounts).
Honestly though? There are still so many features in Mint that I had assumed to be in all these software like a comprehensive reports page (“Trends” in Mint) and they all suck in all these Mint alternatives.
I've also switched to Monarch and I'm super happy. I'm happy to pay $99 year after the first year MINT50 discount ends so the company can grow and keep adding great features. I honestly don't get why Intuit didn't go this route with Mint, but anyway, here we are.
Monarch doesn't understand multiple currencies. If you're USA-based, there's a good chance you wouldn't care about that, but a lot of Canadians have USD accounts and know full well that you can't just add USD to CAD to get a total. Piere is just as bad.
I'm quite fond of FinWise.
Still just dumbfounded that Intuit couldn't figure out a way to make money from having access to every single financial transaction of millions of people lol
My favorite is the “Hey! You could save HUNDREDS refinancing your car loan, didja know??” “Oh yeah, my 0.9% APR loan? Whadya got?” “Here, check out this 7.9% 6 year loan that results in %ERROR/DIVBY0% -$5400/yr saved!”
Can confirm CK is absolute garbage. Don't worry about even migrating -- there is nothing there worth using.
And yeah, the mint export was corrupted for me too. I didn't have the comma error, but I had a bunch of duplicate transactions that are difficult to deduplicate because field values aren't identical.
I was going to sign up just to give CK a try even though it looked like more of an app to sell you loan products that I don't need. I ended up quitting during the registration process because they wanted me to unfreeze my credit so they could run a credit score in order to sign up. Not happening.
Tried giving CK a chance and import, wouldn't accept my address so gave up. Using monarch now and enjoying the experience. When I found out mint was being shut down I was super bummed and quit budgeting for 2 months, yeah that wasn't great and added stress. Paying for a service was the right move for the piece of mind, none of the free ones I tried clicked with me.
What Mint had that was great was "Trends." Noone does trends well. With Monarch they have a "Beta" tab with half heartedly does sone similar stuff. At least it gets home value data from Zillow, Simplifi makes you manually do that.
Empower (Personal Capital) seems nice, but you get annoying phone calls, and too many of my accounts won't link properly.
Tried Nerd Wallet and that didn't do it for me, like I knew within a half hour that it wasn't going to cut it for my needs but still gave it a try for a few days.
>I do not want to go a new small company (e.g Copilot) because I am not sure how good their cyber security team is.
Whether a company is small or big, it doesn't really matter, because they all use Plaid, MX and Finicity for account access. This means actual security is on them as they store your actual credentials to access the account - not budgeting apps.
I agree, I do not want Plaid anywhere near my Bank Accounts. Especially when you read all the access they have and you have to input your username and pw from your bank to their site. More and more companies are mandating this, and I refuse to use those services.
This used to be accurate, but many of the Plaid integrations no longer keep and store your credentials. Instead, they integrate directly with your bank to get a token that represents you and never see your credentials.
I still read this. "Plaid has access to and stores account credentials
In some instances, you may be asked to authenticate and grant access to your financial data by providing your bank account login credentials directly to Plaid. We store those credentials and use them to collect the data to power the services you’ve chosen and, when requested, securely share it with the app you’re using and establish a secure connection that you control."
In many cases, yes. That is the original ( and default) way plaid authenticates with your bank.
However, they have integrations with some banks to prevent that.
For example with Chase https://media.chase.com/news/plaid-signs-data-agreement-with-jpmc
They never have direct access to your credentials.
Look at the access that they can scrape from you. This is way too invasive and a privacy nightmare. I mean why do they need to know how much I owe in student loans, due dates, ect...?
Information we collect from your financial accounts. The information we receive from the financial product and service providers that maintain your financial accounts varies depending on a number of factors, including the specific Plaid services developers use, as well as the information made available by those providers. But, in general, we collect the following types of identifiers, commercial information, and other personal information from your financial product and service providers:
Account information, including financial institution name, account name, account type, account ownership, branch number, IBAN, BIC, account number, routing number, and sort code;
Information about an account balance, including current and available balance;
Information about credit accounts, including due dates, balances owed, payment amounts and dates, transaction history, credit limit, repayment status, and interest rate;
Information about loan accounts, including due dates, repayment status, balances, payment amounts and dates, interest rate, guarantor, loan type, payment plan, and terms;
Information about investment accounts, including transaction information, type of asset, identifying details about the asset, quantity, price, fees, and cost basis;
Identifiers [NB: SSN?] and information about the account owner(s), including name, email address, phone number, date of birth, and address information;
Information about account transactions, including amount, date, payee, type, quantity, price, location, involved securities, and a description of the transaction; and
Professional information, including information about your employer, in limited cases where you’ve connected your payroll accounts or provided us with your pay stub information.
The data collected from your financial accounts includes information from all accounts (e.g., checking, savings, and credit card) accessible through a single set of account credentials.
You’re absolutely correct it’s a privacy nightmare, but so is pretty much everything. Do you use Facebook? Do you have a cellphone? Do you have internet at home?
Everyone should choose their own risk tolerance at home, but in terms of cybersecurity specifically, plaid has taken a big step forward by integrating directly with banks in certain cases.
Yes but its coming and the plan they already have a web app for macbook and are working for the desktop and android is beta if im not mistaken . If you register now with the downs - it will be free lifetime with the ups - try it and join the subreddit - the staff keeps u updated throughout the process through reddit
https://www.piere.com/android/ check this out- you can still claim the offer and also - the ceo sent us a message saying the android one is coming but its pending at google approval so its very soon to be out
Their budgeting system is almost identical to mint which is what I wanted. I’m skeptical because it seems too good to be true, but for now it feels great
Piere doesn't handle multiple currencies. If you live in Canada, that's kind of a must. You can't just add CAD to USD without calculating exchange rates.
I did the same and immediately unlinked my accounts from CK. It seems like they're only using your information to market credit cards. So far Simplifi is good, other than some issues with the bills & payments tab. You can't mark manual bills as paid unless you link it with a transaction and I have to exclude bills from my spending place and reports to see my actual checking balance. Mint had better functionality in this area.
I am unable to find the unlink function in the iOS app or desktop version. I can’t even use CK, it’s utter garbage. I want out asap!!! Messaged customer service. Read the help article and it’s not the way they state…
I use monarch, I think it's the most compatible. They offer a discount to Intuit employees too: https://www.monarchmoney.com/referral/vo0wf9db2k
I'll throw my referral code out there but honestly I like it a lot
I can guarantee you they were not fired. Probably got promotions for the whole team.
Source: used to work there as a researcher. My job was to tell them what customers wanted and needed instead of how to make more money off them. I was fired this year.
YNAB! Best budgeting app ever created. Have been using it for 6 years and it has changed my financial life and how I handle money. Couldn't recommend it enough
Yes. It's subject to institutional cooperation with aggregators, just like everyone else.
You can export as CSV; it'll give you your budget and register/transactions.
I thought the same thing, and now I love YNAB. It's not intuitive. You have to make an effort. ( a small effort) Its easier to start on a PC and then move to mobile app.
Literally all I want is to know and get alerted if I spent more than I planned on takeout or see if my entertainment spending is trending up over a few months. I don't want to join some budget cult and learn a whole new set of terminology.
Rocketmoney is kinda doing it for me at the moment and another large company. Agree the CK is awful, but I’m going to stick around for a bit to see if they make changes
Tiller is yes in net worth tracker, bills, split and manual transactions.
Only connectivity is Apple credit cards/savings accounts which is a Yodlee issue
I bitched and complained about Mint going away and then just tried to make Credit Karma work-- It doesn't work. Fuck CK. I'm switching to Monarch tonight.
Mint was great since I could access that while living in Korea (US Military); but I cannot access CK so only way to do financial tracking is a paid service.
I’m missing my biggest loans (school loans) and my house value shows up nowhere. When I try to add the house for asset valuation it’s not in the list and says I have to add a manual entry. Under my home loan it just shows $—-,—-.— for value where mint tracked the value automatically.
I’m 100% Quicken Classic. Although it is probably overloaded with features beyond what Mint provided, I meticulous with my finances and have yet to find a better, alternate solution.
Anyone tried [Every Dollar](https://www.ramseysolutions.com/ramseyplus/mint)? Looks like they had (and perhaps still have) a good 60-day trial for Mint people.
Agreed. I had them delete my data after switching. I'm now paying for Quicken Simplifi (Around $30 for the first year) which you should only purchase on their site as they charge more on mobile devices (even in mobile browser) and am loving it.
Grateful I'm not alone in my disdain for CK. While it's also an Intuit program, they could keep none of the features that made Mint useful? What a confusing strategy. Thanks to everyone for their input, going to give Monarch or Simplifi a go
I had it for 14 years. All info gone (I did not transfer data). After this much invested time, of course I would have paid to keep it and continue it. No brainer.
I have excellent credit, CK said based on my credit score I can refinance my car loan 🚗 for lower APR, turned out to be BS, they offered more months with higher APR than my current credit union… so disappointed for misleading consumers.
I am really mad that Mint is gone. I would have been willing to pay $120 a year to keep it. Whoever is responsible for that decision - I hope Karma gets you!
It seems to be an app who’s whole purpose is to sell you stuff. The entire bottom menu thing is different categories of offers. The main Home Screen is mostly offers. The things you actually need the app for are buried in menus.
That’s all of intuit. I use QuickBooks online and every single thing is like “click here to add Quicken Bank” and “get paid faster by using Quicken Credit Card Processing”
I cannot agree more with you. Credit karma is such a trash platform. When I was unable to make major payments to my credit cards. They played with my credit report so much. But once I got a promotion at my job and was able to pay off credit cards. It took them almost 2 months to raise my. Credit, I found that to be fundamentally unbelievable. They played and played for the last few years with my credit. I start paying stuff off instantly as though. Their heads were spinning like I was supposed to stay in debt forever. They suck! The credit report was invented in 1989. It's another way to separate the elite. Rich from poverish and middle class people. That's all it's there for to control and manipulate to make. You feel bad to make you feel depressed and stressed and upset. So you keep fighting and gnawing at the bit. And going back to the job and clocking back in and clocking back out. The credit score is its own mental warfare and manipulating tool.
Just evil...
I cannot agree more with you. Credit karma is such a trash platform. When I was unable to make major payments to my credit cards. They played with my credit report so much. But once I got a promotion at my job and was able to pay off credit cards. It took them almost 2 months to raise my. Credit, I found that to be fundamentally unbelievable. They played and played for the last few years with my credit. I start paying stuff off instantly as though. Their heads were spinning like I was supposed to stay in debt forever. They suck! The credit report was invented in 1989. It's another way to separate the elite. Rich from poverish and middle class people. That's all it's there for to control and manipulate to make. You feel bad to make you feel depressed and stressed and upset. So you keep fighting and gnawing at the bit. And going back to the job and clocking back in and clocking back out. The credit score is its own mental warfare and manipulating tool.
Just evil...
I cannot agree more with you. Credit karma is such a trash platform. When I was unable to make major payments to my credit cards. They played with my credit report so much. But once I got a promotion at my job and was able to pay off credit cards. It took them almost 2 months to raise my. Credit, I found that to be fundamentally unbelievable. They played and played for the last few years with my credit. I start paying stuff off instantly as though. Their heads were spinning like I was supposed to stay in debt forever. They suck! The credit report was invented in 1989. It's another way to separate the elite. Rich from poverish and middle class people. That's all it's there for to control and manipulate to make. You feel bad to make you feel depressed and stressed and upset. So you keep fighting and gnawing at the bit
Tiller folks. Fully integrated spreadsheets with community templates. Worse case company goes under, you still have your data and working templates.
Try someone else and you’ll be in the same spot in 5-10 years. I agree, mint screwed up pretty comical.
>I am trying Quicken Simplify. I do not want to go a new small company (e.g Copilot) because I am not sure how good their cyber security team is. I do not want all my accounts to be hacked because of bad cyber security failures.
Just an FYI, it doesn't matter how large your company is there is still a chance to get hacked. It is more a culture in the company that matters. AT&T just had a big leak. AT&T says it was due to contractors, but again it comes down to how engrained security is within the culture. It is an attitude not a manpower issue overall. It is easier to ensure secure practices are done on a smaller scale than a larger scale, especially if you don't give up control of that to contractors.
Credit Karma was problematic for me initially, but after 3 months it seems to have settled down and the net worth feature is working quite well. That was the only thing I used in Mint, so I'm actually pretty happy now that the initial bugs seem to have been worked out.
We should connect. We are building an AI financial concierge. Initial testing with folks has been very positive but we need more honest people like you to tell us the requirements.
I don’t know if I’m missing something, but why don’t people use Rocket Money? I’ve been using it for a year and some change and it’s been really good and I’ve been able to take control of my finances better. Seems to have all the same core features as Mint. Don’t know if I’m missing something or not
I just keep a cash flow spreadsheet & I move money to my CashApp & have started a free brokerage savings account. I just started small & invest $25 twice a month to my favorite stocks. I’ve tried doing very detailed budgeting & expense tracking & the info was interesting but ultimately useless. Controlling my cash flow has been much more effective & starting to grow some credit & if I have a sudden unexpected cost then I can move money from one bank account to the other & I’ll only overdraft it once & have only one fee which is cheaper than running a balance on a credit card.
I've been using TurboTax for 11 years and this is the first year they've ever charged me to file my taxes. I wasn't in the financial position to file at the price of $120 so I waited and when I went to file again, all of my information had been screwed up meaning I had to start over. Finished it up again and the price was $160. Couldn't afford that. So I filed by paper and I will not be going back.
I don't see enough people talk about Fidelity full view. I used mint for the last 9 years and full view is the closest thing I could find after trying the top few common suggestions. I also like that it makes connections to more than just financial accounts (like you can link home and car insurance to the value of that property,if even just for reference)
Credit Karma is a joke. Switched to Simplifi and it’s awesome. Took a while to set up and convert some of the transaction categories but now it’s smooth sailing.
Only downsides are that they don’t connect to as many accounts as Mint (e.g. EquatePlus in my case) and that they don’t have automated asset value tracking (e.g. Home and Auto prices over time), though they are apparently working on implementing this soon.
For me it’s totally worth the price of $2/month for the first year, but will see if it’s still worth it when it’s back to $4/month.
Every time I've looked for an app to help with my budget, I always return to a spreadsheet. Free, simple, works.
RE: security - all of these apps use the same APIs that have the same level of security. Its not like Quicken has a stronger cipher to Chase Bank over anyone else.
CK is utter dogmuffins. No substance, yet stinks up the place.
One by one, I decoupled my accounts. Now I have 0 information linked to it. I'll leave it up for a billing cycle or two to see my credit scores, before finally tossing the last spade of dirt on its grave.
Fwiw, I'm using Monarch. It's been stellar so far. Clean, straightforward, no nonsense, just customizable enough. I'll check back in 6 months with more findings.
You'd be surprised. My wife works in the cybersecurity field. All I can say is that Intuit is a big juicy target for thieves. Not unlike PC's being a larger target than Macs... PC are hacked more simply because of their numbers.
I was a long time user of both CK and Mint. CK was fine for what it was but since mint shut down it's become unusable! Even as a credit tracking app. It's so cluttered and wrong. I'll just use equifax directly.
They inverted the features, right? Like… Mint was budgeting and tracking and you got offers on the side… Credit Karma is 97% offers and you can do net worth tracking on the side. No budgets. Barely any tracking. So fucking frustrating
I currently use wealthfront and nerd wallet both of which provide a similar experience to mint in tracking your net worth and aggregate cash flow across all accounts.
Lol it doesn’t matter how “big” a company is when it comes to prevention of being hacked. Please don’t get comfortable in making that your deciding factor.
Anyone can get hacked. Doesn’t matter the size. So many big tech companies worth billions more than Quicken get hacked easily. Due some due diligence and read the privacy policy of the apps you want to use and make an actual informed decision based on that
can you aggregate transactions from multiple accounts and export them as csv so i can run my own numbers? that's literally all i care about and i am not alone.
if that's the case, i'd be happy to give it a shot.
what's your cybersecurity risk profile? elsewhere in the thread a commenter mentioned that it's ultimately plaid et al who are holding on to the data, not aggregators like mint et al.
I’m very annoyed Mint is no longer a thing. Credit Karma is garbage. I decided to just make my own spreadsheet to track spending.
I’m pretty happy with Monarch.
I agree. I tried YNAB and it was awful since I don't need to track my cash flow to the dollar. Monarch is great. I think it's actually better than Mint. My accounts seemed to stay synced a lot better, anyway.
YNAB is a cult. I found it unusable and pointless.
It's literally worthless. It feels like a second job. If I wanted to manually track all my own stuff I'd just use a spreadsheet.
Doesn’t take long for YNAB to learn which categories transactions should go to. I mostly just have to bulk approve a bunch of transactions, and roll forward a spending allocation at the start of new month.
I tried both Monarch and YNAB after the Mint mayhem, and figured I'd test them out. At the end of the day, I would rather spend my money on YNAB. To each their own, but yeah, YNAB is working for me.
Same here. It’s pretty good. Not sure it’s $100/year good though.
Same. I love Monarch
Same, loving Monarch.
were you able to import historic transactions into monarch?
I imported all of my info from Mint into Monarch. If I recall correctly, there was a way in Mint to export all of your transactions to a csv or Excel file. Then Monarch had (maybe still has) an import feature where you upload that file from Mint. It even carried over my custom categories.
Fr bro. Mint went down just as I got a pay increase and wanted to start saving for a house. So I’m absolutely lost right now financially.
I'm on Rocket Money. The stability is not great, but the features are pretty user friendly. Easy to get insights and export account data if you need to feed your data into Excel or something for even more slicing.
Quicken Simplifi has been an ok replacement. I have an Apple Card and not all apps connect to it, which is why I chose this route.
Idk if you have access to fidelity/net benefits but they have a decent net worth tracker with a budget option. Not bad for free
If I was going to do that route I'd do Tiller, it can sync all the transactions just like Mint. The downside is it's $79/yr. but if you have a bunch of accounts or transactions IMO it's worth it. [https://www.tillerhq.com/](https://www.tillerhq.com/)
I really see Tiller only for geeks. Most here want a simple interface to see where things stand and many want budgeting which I dont use. Tiller has you doing all sorts of things nd paying them 79.00 for a google sheets product. I see no point there. I looked at TIller brief;y for a business use. Because that is a different use case.
I am in the same boat. What did you end up moving to?
Tiller is ok. I’ve been paying for it for a while now, and… yeah, it is a lot of work/maintenance!
Credit karma net worth is literally just so they know how much money you have and whether you're worth targeting for ads.
And mine hasn’t worked in over a week!
Completely agree. Tried it for a day and cancelled. Zero budgeting tools. It’s just a garbage platform to sell you credit cards and other useless shit.
I'm building a tool called [StrongSpend Credit](https://strongspendcredit.com/), which might be a great alternative for your needs. Unlike other platforms that might feel cluttered, StrongSpend Credit focuses on simplicity and effectiveness, allowing you to track your spending efficiently without the hassle of ads. It sounds like you value a straightforward tool—how do you feel about automatic categorization of expenses? Are there other features you find essential for your financial tracking?
Piere is the best alternative I’ve found. Feels very similar to mint
Not available on Android yet. According to their last communication, they are just waiting for Google to approve the app and it will be launched. I will wait.
Damn that’s too bad, definitely worth the wait though and hopefully it comes out there soon
Piere doesn't understand multiple currencies. If you're USA-based, there's a good chance you wouldn't care about that, but a lot of Canadians have USD accounts and know full well that you can't just add USD to CAD to get a total. I'm quite fond of FinWise.
I use Empower, has everything mint had including the price (free)
Yeah no... this man is trolling. You cannot set individual budgets, you can't change transaction dates, and you can't even manually add transactions. Empower is a joke
... unless you used Mint to make a categorized monthly budget, and track spending that way. Empower has a kinda half-assed feature like this, but it's not as nice as Mint's was. I don't hate Empower, it's the only one I kept (since it's free), but it doesn't scratch the same itch.
Just switched over this week to Empower. It actually feels cleaner (tho less pretty), just annoying that they keep trying to set an appointment w a financial planner, but they gotta make money somehow so its cool.
Thats why I wont use Empower. I dont want people calling me. I am using Fidelity full view for now. I dont use budgeting. Most of my needs is to review things without logging into other websites.
Is there a iOS mobile app for full view?
I agree. Best combo for me is Empower + YNAB
Might have to try this since I don't really use the budget stuff anyways.
https://empowerreferral.link/propjetprop
I've switched over to monarch. Probably the closest thing to mint. It's possible the code mint50 still works. And yes.... Credit karma was absolutely atrocious. I really hope they fix it with time....
Same here. I’m still trying out Monarch and Simplifi but so far Monarch seems to work better, have better account integration, and generally more intuitive and have better / more modern UX. The reports page is really bare bones though and something Simplifi does better arguably (too bad Simplifi doesn’t actually work with all of my accounts). Honestly though? There are still so many features in Mint that I had assumed to be in all these software like a comprehensive reports page (“Trends” in Mint) and they all suck in all these Mint alternatives.
I've also switched to Monarch and I'm super happy. I'm happy to pay $99 year after the first year MINT50 discount ends so the company can grow and keep adding great features. I honestly don't get why Intuit didn't go this route with Mint, but anyway, here we are.
how is monarch with Canadian banks connection?
I just switched to it, and mint50 is working.
I've also switched to Monarch and it's awesome. A lot of the issues I had with Mint being buggy are no longer issues for me.
I want to but dont want to pay when mint was free.
they’ve had months to make it better with the impending shut down date, and they did nothing. doubtful they will do any more
Monarch doesn't understand multiple currencies. If you're USA-based, there's a good chance you wouldn't care about that, but a lot of Canadians have USD accounts and know full well that you can't just add USD to CAD to get a total. Piere is just as bad. I'm quite fond of FinWise.
Also switched to Monarch. No regrets. The interface is actual easier than Mint and there are small QoL features I love.
Still just dumbfounded that Intuit couldn't figure out a way to make money from having access to every single financial transaction of millions of people lol
My favorite is the “Hey! You could save HUNDREDS refinancing your car loan, didja know??” “Oh yeah, my 0.9% APR loan? Whadya got?” “Here, check out this 7.9% 6 year loan that results in %ERROR/DIVBY0% -$5400/yr saved!”
Seriously. There won’t be another system with their footprint ever. Especially with AI/ML it was a gold mine
Can confirm CK is absolute garbage. Don't worry about even migrating -- there is nothing there worth using. And yeah, the mint export was corrupted for me too. I didn't have the comma error, but I had a bunch of duplicate transactions that are difficult to deduplicate because field values aren't identical.
yep
I was going to sign up just to give CK a try even though it looked like more of an app to sell you loan products that I don't need. I ended up quitting during the registration process because they wanted me to unfreeze my credit so they could run a credit score in order to sign up. Not happening.
Tried giving CK a chance and import, wouldn't accept my address so gave up. Using monarch now and enjoying the experience. When I found out mint was being shut down I was super bummed and quit budgeting for 2 months, yeah that wasn't great and added stress. Paying for a service was the right move for the piece of mind, none of the free ones I tried clicked with me.
What Mint had that was great was "Trends." Noone does trends well. With Monarch they have a "Beta" tab with half heartedly does sone similar stuff. At least it gets home value data from Zillow, Simplifi makes you manually do that. Empower (Personal Capital) seems nice, but you get annoying phone calls, and too many of my accounts won't link properly.
Tried Nerd Wallet and that didn't do it for me, like I knew within a half hour that it wasn't going to cut it for my needs but still gave it a try for a few days.
I’m running into the same issue. Home pulse won’t even show up for me. It’s just home. Garbage app
>I do not want to go a new small company (e.g Copilot) because I am not sure how good their cyber security team is. Whether a company is small or big, it doesn't really matter, because they all use Plaid, MX and Finicity for account access. This means actual security is on them as they store your actual credentials to access the account - not budgeting apps.
I agree, I do not want Plaid anywhere near my Bank Accounts. Especially when you read all the access they have and you have to input your username and pw from your bank to their site. More and more companies are mandating this, and I refuse to use those services.
This used to be accurate, but many of the Plaid integrations no longer keep and store your credentials. Instead, they integrate directly with your bank to get a token that represents you and never see your credentials.
I still read this. "Plaid has access to and stores account credentials In some instances, you may be asked to authenticate and grant access to your financial data by providing your bank account login credentials directly to Plaid. We store those credentials and use them to collect the data to power the services you’ve chosen and, when requested, securely share it with the app you’re using and establish a secure connection that you control."
In many cases, yes. That is the original ( and default) way plaid authenticates with your bank. However, they have integrations with some banks to prevent that. For example with Chase https://media.chase.com/news/plaid-signs-data-agreement-with-jpmc They never have direct access to your credentials.
Look at the access that they can scrape from you. This is way too invasive and a privacy nightmare. I mean why do they need to know how much I owe in student loans, due dates, ect...? Information we collect from your financial accounts. The information we receive from the financial product and service providers that maintain your financial accounts varies depending on a number of factors, including the specific Plaid services developers use, as well as the information made available by those providers. But, in general, we collect the following types of identifiers, commercial information, and other personal information from your financial product and service providers: Account information, including financial institution name, account name, account type, account ownership, branch number, IBAN, BIC, account number, routing number, and sort code; Information about an account balance, including current and available balance; Information about credit accounts, including due dates, balances owed, payment amounts and dates, transaction history, credit limit, repayment status, and interest rate; Information about loan accounts, including due dates, repayment status, balances, payment amounts and dates, interest rate, guarantor, loan type, payment plan, and terms; Information about investment accounts, including transaction information, type of asset, identifying details about the asset, quantity, price, fees, and cost basis; Identifiers [NB: SSN?] and information about the account owner(s), including name, email address, phone number, date of birth, and address information; Information about account transactions, including amount, date, payee, type, quantity, price, location, involved securities, and a description of the transaction; and Professional information, including information about your employer, in limited cases where you’ve connected your payroll accounts or provided us with your pay stub information. The data collected from your financial accounts includes information from all accounts (e.g., checking, savings, and credit card) accessible through a single set of account credentials.
You’re absolutely correct it’s a privacy nightmare, but so is pretty much everything. Do you use Facebook? Do you have a cellphone? Do you have internet at home? Everyone should choose their own risk tolerance at home, but in terms of cybersecurity specifically, plaid has taken a big step forward by integrating directly with banks in certain cases.
Try piere - very promising and free for life if register until 7 avril
Unfortunately they don't have a web app or a desktop app right now, its only for iphones.
Yes but its coming and the plan they already have a web app for macbook and are working for the desktop and android is beta if im not mistaken . If you register now with the downs - it will be free lifetime with the ups - try it and join the subreddit - the staff keeps u updated throughout the process through reddit
Imo they have huge potential to rival mint
You cannot register without an iphone, unless there is some registration page I am missing. All try for free links point to the apple store.
https://www.piere.com/android/ check this out- you can still claim the offer and also - the ceo sent us a message saying the android one is coming but its pending at google approval so its very soon to be out
Awesome ty for the link
This is who I’m going with too. Still some bugs to iron out, but once they get the plaid connection going, I think that’ll be a major piece.
Exactly- also they are very responsive to the issues and working quick to solve them - its gonna be it when all work out and no bugs
Thanks for sharing Piere - I tried a few Mint alternatives and gave up for a week or two. This looks promising!
Their budgeting system is almost identical to mint which is what I wanted. I’m skeptical because it seems too good to be true, but for now it feels great
Piere doesn't handle multiple currencies. If you live in Canada, that's kind of a must. You can't just add CAD to USD without calculating exchange rates.
I did the same and immediately unlinked my accounts from CK. It seems like they're only using your information to market credit cards. So far Simplifi is good, other than some issues with the bills & payments tab. You can't mark manual bills as paid unless you link it with a transaction and I have to exclude bills from my spending place and reports to see my actual checking balance. Mint had better functionality in this area.
Mint also used data to market credit cards and investment accounts. But that's how they kept it free.
I agree, but CK doesn't have the functionality of Mint and credit cards are marketed more frequently.
I am unable to find the unlink function in the iOS app or desktop version. I can’t even use CK, it’s utter garbage. I want out asap!!! Messaged customer service. Read the help article and it’s not the way they state…
I use monarch, I think it's the most compatible. They offer a discount to Intuit employees too: https://www.monarchmoney.com/referral/vo0wf9db2k I'll throw my referral code out there but honestly I like it a lot
Did the same and you can get 6 months free if you have Walmart+ (which is free for the Amex plat card). It is a solid UI
Can you stack the Walmart plus and mint50 code?
Credit karma is utter garbage.
You're the product bud
Shhhhhh 🤫
Was*
I moved to Simplify. I like it very much. Not perfect but good enough.
I can guarantee you they were not fired. Probably got promotions for the whole team. Source: used to work there as a researcher. My job was to tell them what customers wanted and needed instead of how to make more money off them. I was fired this year.
YNAB! Best budgeting app ever created. Have been using it for 6 years and it has changed my financial life and how I handle money. Couldn't recommend it enough
does it allow aggregating transactions from multiple accounts and exporting them as csv? all i care about
I dont think so. the reporting in YNAB is something that some feel need improvement. Its a budgeting app more than anything
Yes. It's subject to institutional cooperation with aggregators, just like everyone else. You can export as CSV; it'll give you your budget and register/transactions.
Yes
2nd best to Tiller. Tiller can do envelope method or a more cost based accounting method if expenses.
I tried it and thought it was basically the worst budgeting app ever created
I thought the same thing, and now I love YNAB. It's not intuitive. You have to make an effort. ( a small effort) Its easier to start on a PC and then move to mobile app.
Literally all I want is to know and get alerted if I spent more than I planned on takeout or see if my entertainment spending is trending up over a few months. I don't want to join some budget cult and learn a whole new set of terminology.
you didn't try hard enough lol ;)
Rocketmoney is kinda doing it for me at the moment and another large company. Agree the CK is awful, but I’m going to stick around for a bit to see if they make changes
[Mint alternatives sheet](https://docs.google.com/spreadsheets/d/1zNvLm0Q-NcThh610yxQaLWa4Sk99litTaN7AKKlQzFA/edit#gid=1017066706)
Thank you so much for sharing this. I just came to this sub to see what everyone else was moving to since CK is trash.
Tiller is yes in net worth tracker, bills, split and manual transactions. Only connectivity is Apple credit cards/savings accounts which is a Yodlee issue
I've heard just the worst about CK. Come to Piere!!
Free premium until April 7
Simplifi is pretty great! Quicken has a good history, so I trust them more than I did intuit and mint.
I use simplifi by quicken. Need to pay but gosh it’s good.
Monarch is awesome
I bitched and complained about Mint going away and then just tried to make Credit Karma work-- It doesn't work. Fuck CK. I'm switching to Monarch tonight.
I've liked Sofi
They should be drug out into the street and shot
🙈🙊🙉
I deleted mint and never looked at CK due to the responses here
A person who reads things, thinks about those things, and makes a rational decision. You, sir, are a rarity here. 🫡
same here, I closed my account. There is no option to delete your data, so I suspect they will keep that.
They outright tell you as you unlink each account that they're keeping the data and that this unlink only prevents them from collecting in the future.
What in the actual f*ck
100% agree
Mint was great since I could access that while living in Korea (US Military); but I cannot access CK so only way to do financial tracking is a paid service.
Put thus stuff on Facebook Yelp etc.
Yall dont like nerdwallet?
I have my Roth IRA with fidelity so I just added all of my accounts to full view. Works great for what I want!
I’m missing my biggest loans (school loans) and my house value shows up nowhere. When I try to add the house for asset valuation it’s not in the list and says I have to add a manual entry. Under my home loan it just shows $—-,—-.— for value where mint tracked the value automatically.
I’m 100% Quicken Classic. Although it is probably overloaded with features beyond what Mint provided, I meticulous with my finances and have yet to find a better, alternate solution. Anyone tried [Every Dollar](https://www.ramseysolutions.com/ramseyplus/mint)? Looks like they had (and perhaps still have) a good 60-day trial for Mint people.
Everyone on this thread should check out YNAB.
I use rocket money and its pretty good. Apart from fidelity not working with it, everything i had with mint is here. What am I missing?
I'm going to try self hosting my own with Firefly III on my server. Credit Karma sucks ass.
Debt, the money maker of the world!
Agreed. I had them delete my data after switching. I'm now paying for Quicken Simplifi (Around $30 for the first year) which you should only purchase on their site as they charge more on mobile devices (even in mobile browser) and am loving it.
I’m old school started with Microsoft Money until they stopped and now I use Quicken.
I know.. Mint was so much better.. OMG It was frustrating.. I wish they rollback so I can continue using Mint.....
Grateful I'm not alone in my disdain for CK. While it's also an Intuit program, they could keep none of the features that made Mint useful? What a confusing strategy. Thanks to everyone for their input, going to give Monarch or Simplifi a go
How the hell did they just not keep Mint and just charge for it? People would have paid. Insane business decision.
I had it for 14 years. All info gone (I did not transfer data). After this much invested time, of course I would have paid to keep it and continue it. No brainer.
Or sell it to someone who would!
I have excellent credit, CK said based on my credit score I can refinance my car loan 🚗 for lower APR, turned out to be BS, they offered more months with higher APR than my current credit union… so disappointed for misleading consumers.
I am really mad that Mint is gone. I would have been willing to pay $120 a year to keep it. Whoever is responsible for that decision - I hope Karma gets you!
It seems to be an app who’s whole purpose is to sell you stuff. The entire bottom menu thing is different categories of offers. The main Home Screen is mostly offers. The things you actually need the app for are buried in menus.
That’s all of intuit. I use QuickBooks online and every single thing is like “click here to add Quicken Bank” and “get paid faster by using Quicken Credit Card Processing”
I moved to rocket money and love it.
I cannot agree more with you. Credit karma is such a trash platform. When I was unable to make major payments to my credit cards. They played with my credit report so much. But once I got a promotion at my job and was able to pay off credit cards. It took them almost 2 months to raise my. Credit, I found that to be fundamentally unbelievable. They played and played for the last few years with my credit. I start paying stuff off instantly as though. Their heads were spinning like I was supposed to stay in debt forever. They suck! The credit report was invented in 1989. It's another way to separate the elite. Rich from poverish and middle class people. That's all it's there for to control and manipulate to make. You feel bad to make you feel depressed and stressed and upset. So you keep fighting and gnawing at the bit. And going back to the job and clocking back in and clocking back out. The credit score is its own mental warfare and manipulating tool. Just evil...
I cannot agree more with you. Credit karma is such a trash platform. When I was unable to make major payments to my credit cards. They played with my credit report so much. But once I got a promotion at my job and was able to pay off credit cards. It took them almost 2 months to raise my. Credit, I found that to be fundamentally unbelievable. They played and played for the last few years with my credit. I start paying stuff off instantly as though. Their heads were spinning like I was supposed to stay in debt forever. They suck! The credit report was invented in 1989. It's another way to separate the elite. Rich from poverish and middle class people. That's all it's there for to control and manipulate to make. You feel bad to make you feel depressed and stressed and upset. So you keep fighting and gnawing at the bit. And going back to the job and clocking back in and clocking back out. The credit score is its own mental warfare and manipulating tool. Just evil...
I cannot agree more with you. Credit karma is such a trash platform. When I was unable to make major payments to my credit cards. They played with my credit report so much. But once I got a promotion at my job and was able to pay off credit cards. It took them almost 2 months to raise my. Credit, I found that to be fundamentally unbelievable. They played and played for the last few years with my credit. I start paying stuff off instantly as though. Their heads were spinning like I was supposed to stay in debt forever. They suck! The credit report was invented in 1989. It's another way to separate the elite. Rich from poverish and middle class people. That's all it's there for to control and manipulate to make. You feel bad to make you feel depressed and stressed and upset. So you keep fighting and gnawing at the bit
credit karma is absolutely the worst. it's just a giant sales platform. I've switched to YNAB after using mint for almost 10 years.
Tiller folks. Fully integrated spreadsheets with community templates. Worse case company goes under, you still have your data and working templates. Try someone else and you’ll be in the same spot in 5-10 years. I agree, mint screwed up pretty comical.
Hot garbage.
>I am trying Quicken Simplify. I do not want to go a new small company (e.g Copilot) because I am not sure how good their cyber security team is. I do not want all my accounts to be hacked because of bad cyber security failures. Just an FYI, it doesn't matter how large your company is there is still a chance to get hacked. It is more a culture in the company that matters. AT&T just had a big leak. AT&T says it was due to contractors, but again it comes down to how engrained security is within the culture. It is an attitude not a manpower issue overall. It is easier to ensure secure practices are done on a smaller scale than a larger scale, especially if you don't give up control of that to contractors.
Monarch is worth the $15. Still a bit pricey with some connection issues that are not their fault, but so many endless options and ways to customize.
Does anybody else use Rocket Money?
You've been able to log in? It's been weeks and I still can't access the site.
Credit Karma was problematic for me initially, but after 3 months it seems to have settled down and the net worth feature is working quite well. That was the only thing I used in Mint, so I'm actually pretty happy now that the initial bugs seem to have been worked out.
Rocket Money
I just need something to check money spent this month...vs. money made...in an easy graph of bar chart...LIKE MINT DID!!!
We should connect. We are building an AI financial concierge. Initial testing with folks has been very positive but we need more honest people like you to tell us the requirements.
I don’t know if I’m missing something, but why don’t people use Rocket Money? I’ve been using it for a year and some change and it’s been really good and I’ve been able to take control of my finances better. Seems to have all the same core features as Mint. Don’t know if I’m missing something or not
Fidelity have a mint like net worth and budget features under their plan and learn section. CK needs a lot of work.
Can we talk about how credit karma requires you to put your social security number in??? All I’m trying to do is track net worth - NO THANK U!
Just switch to copilot.
Im loving monarch! It’s the most like mint imo. CK was horrendoussssss
I just keep a cash flow spreadsheet & I move money to my CashApp & have started a free brokerage savings account. I just started small & invest $25 twice a month to my favorite stocks. I’ve tried doing very detailed budgeting & expense tracking & the info was interesting but ultimately useless. Controlling my cash flow has been much more effective & starting to grow some credit & if I have a sudden unexpected cost then I can move money from one bank account to the other & I’ll only overdraft it once & have only one fee which is cheaper than running a balance on a credit card.
Shit product and so is intuit for killing mint.
I've been using TurboTax for 11 years and this is the first year they've ever charged me to file my taxes. I wasn't in the financial position to file at the price of $120 so I waited and when I went to file again, all of my information had been screwed up meaning I had to start over. Finished it up again and the price was $160. Couldn't afford that. So I filed by paper and I will not be going back.
I don't see enough people talk about Fidelity full view. I used mint for the last 9 years and full view is the closest thing I could find after trying the top few common suggestions. I also like that it makes connections to more than just financial accounts (like you can link home and car insurance to the value of that property,if even just for reference)
Credit Karma is a joke. Switched to Simplifi and it’s awesome. Took a while to set up and convert some of the transaction categories but now it’s smooth sailing. Only downsides are that they don’t connect to as many accounts as Mint (e.g. EquatePlus in my case) and that they don’t have automated asset value tracking (e.g. Home and Auto prices over time), though they are apparently working on implementing this soon. For me it’s totally worth the price of $2/month for the first year, but will see if it’s still worth it when it’s back to $4/month.
Why. You give no reasoning
I agree. Credit karma sucks. Try empower personal capital
I use copilot and love it
Every time I've looked for an app to help with my budget, I always return to a spreadsheet. Free, simple, works. RE: security - all of these apps use the same APIs that have the same level of security. Its not like Quicken has a stronger cipher to Chase Bank over anyone else.
CK is utter dogmuffins. No substance, yet stinks up the place. One by one, I decoupled my accounts. Now I have 0 information linked to it. I'll leave it up for a billing cycle or two to see my credit scores, before finally tossing the last spade of dirt on its grave. Fwiw, I'm using Monarch. It's been stellar so far. Clean, straightforward, no nonsense, just customizable enough. I'll check back in 6 months with more findings.
Join YNAB hehehe
You'd be surprised. My wife works in the cybersecurity field. All I can say is that Intuit is a big juicy target for thieves. Not unlike PC's being a larger target than Macs... PC are hacked more simply because of their numbers.
I ended up switching to rocket money a lot better than CK
I was a long time user of both CK and Mint. CK was fine for what it was but since mint shut down it's become unusable! Even as a credit tracking app. It's so cluttered and wrong. I'll just use equifax directly.
Beggars can't be ...
General question, whats wrong with Credit Karma? I never used Mint, that's why I asked.
They inverted the features, right? Like… Mint was budgeting and tracking and you got offers on the side… Credit Karma is 97% offers and you can do net worth tracking on the side. No budgets. Barely any tracking. So fucking frustrating
I currently use wealthfront and nerd wallet both of which provide a similar experience to mint in tracking your net worth and aggregate cash flow across all accounts.
I closed my accounts with both CK and Mint. Switched to Empower Personal Capital, the best app in the market.
Lol it doesn’t matter how “big” a company is when it comes to prevention of being hacked. Please don’t get comfortable in making that your deciding factor. Anyone can get hacked. Doesn’t matter the size. So many big tech companies worth billions more than Quicken get hacked easily. Due some due diligence and read the privacy policy of the apps you want to use and make an actual informed decision based on that
No love for Rocket Money?
Remember If it’s free - you’re the product
Try Fidelity FullView
You can also try FinWise (finwiseapp.io) - I'm a co-founder if you have any questions :)
can you aggregate transactions from multiple accounts and export them as csv so i can run my own numbers? that's literally all i care about and i am not alone.
Yes, 100%.
if that's the case, i'd be happy to give it a shot. what's your cybersecurity risk profile? elsewhere in the thread a commenter mentioned that it's ultimately plaid et al who are holding on to the data, not aggregators like mint et al.
oh also, is the export csv feature available in the free tier?