The Mint alternative US users actually wanted.
Intuit killed Mint in January 2024 and pushed 3.6 million users to Credit Karma — which has no budgets, no goals, no subscription tracking. PocketSpend rebuilds everything you loved about Mint, charges $7.99/month instead of selling your data, and adds Schedule C tracking that Mint never had.
PocketSpend
$7.99/mo
100% replacement
cheaper, every month
Mint
Shut down
Why people are leaving Mint
- 1.Intuit shut Mint down on January 1, 2024 and migrated users to Credit Karma, which is a credit-score app — not a budgeting app.
- 2.Credit Karma has no budgets, no spending pie chart, no subscription finder and no net worth view. Mint refugees lost everything that made Mint useful.
- 3.Mint was free because it monetized by recommending credit cards. We charge $7.99/month and never sell, share or rent your data.
- 4.Plaid bank sync (the same engine Mint used) connects 12,000+ US banks in 30 seconds. Chase, BofA, Wells, Capital One — all supported.
Feature-by-feature: PocketSpend vs Mint
| Feature | PocketSpend | Mint |
|---|---|---|
| Status | Live, growing | Discontinued Jan 2024 |
| Bank sync via Plaid Migrated users to Credit Karma without sync | ✓ | ✗ |
| Budgets | ✓ | ✗ |
| Subscription finder | ✓ | ✗ |
| Net worth tracking | ✓ | Partial |
| Bill reminders | ✓ | ✗ |
| Schedule C / freelance | ✓ | ✗ |
| Sells your data | Never | Yes (advertising) |
| Price | $7.99/mo or free tier | Was free, sold data |
What PocketSpend does that Mint can't
Schedule C tracker for freelancers
Mint never supported the IRS Schedule C. Tag deductible expenses as Auto, Home Office, Meals, Supplies and export an IRS-ready CSV for your accountant or TurboTax import.
AI subscription scanner
Our model scans 12 months of transactions and surfaces every recurring charge — not just the obvious ones. Mint relied on user labels. We use pattern detection across name, amount and cadence.
Quarterly tax reminders
Mint never warned you that 1099 income required quarterly estimated taxes. We do. Penalty-avoidance reminders for April 15, June 15, September 15, January 15.
Mileage auto-detector
For Schedule C filers — drives over 2 miles auto-tracked. Tag business vs personal. Export at $0.67/mile (2026 IRS rate). Adds up to thousands per year.
The verdict
Mint is gone and Credit Karma is not a replacement — it's a credit-score app. PocketSpend rebuilds Mint's bank sync, budgets, subscriptions and net worth, and adds freelance tax tools Mint never had. At $7.99/month with no data selling, it's the honest successor 3.6 million Mint users were waiting for.
Common questions
Did Mint really shut down?▼
Yes — Intuit officially discontinued Mint on January 1, 2024, sunsetting the iOS and Android apps and migrating accounts to Credit Karma. Budgeting features were not migrated.
Is Credit Karma a replacement for Mint?▼
No. Credit Karma is a credit-score and credit-card-recommendation product. It has no budgets, no monthly spending categories, no goals and no net worth dashboard. Mint users lost those features in the migration.
Why pay $7.99 when Mint was free?▼
Mint was free because Intuit sold ad placements for credit cards and loans. That business model collapsed when Intuit bought Credit Karma in 2020. We charge a small subscription so we never have to sell or recommend you anything.
How fast does bank sync work?▼
Plaid connects most banks in 30 seconds via OAuth. Chase, Bank of America, Wells Fargo, Capital One, Citi all support instant OAuth. Smaller credit unions may take 60 seconds.
Try PocketSpend free
Free plan forever. No credit card. Cancel anytime.