Intuit shut Mint down on March 23, 2024 and pointed its users to Credit Karma, which kept net worth and credit monitoring but dropped budgets. This page compares moniya with what Mint offered — and what its users still miss.
The best Mint replacement in 2026
Mint has been gone since March 2024, and Credit Karma never picked up budgets. moniya brings back the parts people actually miss — free budgets, net worth, and recurring bills — without a bank connection that can be switched off over your head.
moniya vs Mint, feature by feature
| Feature | moniya | Mint(discontinued) |
|---|---|---|
| AI receipt scanning | YesAny language or currency; line items extracted | No |
| Voice expense entry | YesSay it out loud — moniya drafts the transaction | No |
| Review before anything posts | YesNothing posts without your approval | NoSynced transactions posted automatically |
| Multi-currency | Yes18 currencies with a two-currency display toggle | NoUSD only |
| Exchange rates frozen at spend time | YesThe rate at spend time, forever — history never drifts | No |
| Net worth tracking | Yes | Yes |
| Asset tracking | Yes | PartialHome value via Zillow |
| Budgets | Yes | Yes |
| Saving goals | Yes | PartialThe Goals feature was removed years before the shutdown |
| Recurring bills | Yes | YesBill tracking and reminders |
| Automatic bank sync | NoAI capture instead — works in any country, any bank | YesUS and Canada — until March 2024 |
| CSV export | YesYour data is yours, anytime | YesThe export window closed with the shutdown |
| Free plan | YesFree forever, incl. 50 AI captures a month | YesAd-supported |
| Web app | Yes | Yes |
| iOS app | Yes | Yes |
| Android app | Yes | Yes |
| Desktop app (macOS / Windows) | YesmacOS and Windows | No |
Pricing
moniyaFree forever
Tracking costs nothing. Pro removes the AI ceiling.
$0to track everything
- Unlimited accounts and transactions
- Budgets, saving goals, and recurring bills
- Multi-currency with frozen at-the-time rates
- Reports, net worth, and CSV export
- 50 AI captures a month — scan or voice
Pro — unlimited AI
- Unlimited receipt scans and voice memos
- AI insights on your reports
No card required.
Mint
Has a free plan.
Mint (as it was)Free
- Ad-supported — offers and referrals paid for the app
- Shut down March 23, 2024
- Accounts and history deleted after the export window
- Intuit points former users to Credit Karma, which has no budgets
Mint can no longer be downloaded or used. Credit Karma keeps net worth and credit monitoring but dropped budgets and category tracking.
Why people switch
Free where it counts, again
Mint proved people want a serious free money app. moniya's core is free forever — unlimited accounts and transactions, budgets, goals, recurring bills, net worth, CSV export, and 50 AI captures a month on top.
No bank-sync dependency
Mint lived and died by its bank connections: when Intuit pulled the plug, the data went with it. moniya captures spending from receipts and voice memos instead — it works in any country, with any bank, and your ledger exports to CSV anytime.
Budgets and net worth in one place
Credit Karma kept the credit score and dropped the budgets. moniya tracks accounts, assets, budgets, and net worth together — the parts of Mint people actually used, not a slice of them.
The honest verdict
Mint isn't coming back, and Credit Karma is a credit product, not a budgeting one. If what you miss is the free, everything-in-one-place overview — budgets, recurring bills, net worth — moniya covers that on a free plan and adds AI capture Mint never had. What it deliberately doesn't bring back is bank sync: you approve every transaction instead. If automatic feeds from US banks are non-negotiable, a paid app like Monarch Money is the closer heir.
Frequently asked questions
What happened to Mint?
Intuit shut Mint down on March 23, 2024 and encouraged users to move to Credit Karma, which it also owns. Only logins migrated — budgets, custom categories, goals, and transaction history did not, and Credit Karma has no budgeting feature. Users had until the shutdown date to export their data as CSV.
Is moniya really free?
Yes — the ledger, budgets, saving goals, recurring bills, reports, net worth, and CSV export are free forever, and every month includes 50 AI captures (receipt scans or voice memos). Pro removes the AI ceiling with unlimited captures and AI insights on your reports.
Can moniya import my old Mint data?
There's no one-click Mint importer, and unless you exported a CSV before the March 2024 deadline, that history is gone from Intuit's servers. moniya doesn't need years of history to be useful — start with today's spending, and the budgets and net worth build from there.
Does moniya sync with my bank like Mint did?
No, by design. Instead of bank sync, moniya uses AI capture — scan the receipt or say the expense out loud, and the transaction is drafted in seconds. That means it works in any country with any bank, nothing posts without your approval, and no third party can switch your data off.
Who should stick with Credit Karma?
If all you used Mint for was a credit-score check and a net-worth glance, Credit Karma covers that for free and you don't need anything else. If you budgeted in Mint — categories, limits, recurring bills — Credit Karma doesn't do that, and you'll want a real replacement.
Related comparisons
Try a free tool
Switching is a 2-minute setup
Create a free account, snap your first receipt, and approve the draft — no import project, no card, no commitment.
No card required.