The Mint Alternative Built for Debt Freedom
Missing Mint? Spendify gives you everything Mint had plus powerful debt payoff planning — and no ads.
8
Extra features
$79.99/yr
Spendify /yr
Free (with ads) — Discontinued
Mint /yr
Spendify vs Mint
A side-by-side look at what each app brings to the table
Debt-Free Date Calculator
Spendify
See your exact payoff date based on real balances, APRs, and your chosen strategy
Mint
Never offered payoff timelines
Strategy Comparison
Spendify
Compare snowball, avalanche, and custom order side by side with interest savings
Mint
Never offered strategy tools
What-If Scenarios
Spendify
See how extra payments, windfalls, or changes affect your payoff timeline instantly
Mint
Never offered scenario modeling
No Ads
Spendify
Clean, ad-free experience — your data stays private
Mint
Ad-supported with targeted financial product ads throughout the app
AI Financial Assistant
Spendify
Ask questions about your spending, get insights, and analyze trends in natural language
Mint
Never offered AI features
Unlimited Workspaces
Spendify
Create as many workspaces as you want and invite collaborators with role-based access
Mint
Single personal account only
Transaction Rules Engine
Spendify
Auto-categorize with multi-condition rules — match by merchant, amount, date, and more
Mint
Basic auto-categorization that often miscategorized
Active Development
Spendify
Regular updates, new features, and responsive customer support
Mint
Discontinued in 2024 — no longer available
Transaction Tracking
Spendify
Full tracking with auto-categorization, search, filters, and receipt attachments
Mint
Full tracking with auto-categorization
Investment Tracking
Spendify
Portfolio balances and performance monitoring
Mint
Basic balance tracking for investment accounts
Net Worth Tracking
Spendify
Complete picture across all accounts and workspaces
Mint
Basic net worth overview
Budgeting
Spendify
Flexible budgets with category limits, rollovers, and spending insights
Mint
Basic monthly budgets by category
Better Value, More Features
Everything Mint offers — plus the debt planning tools it doesn't
Spendify
$79.99/yr billed annually
Mint
per year
The Best Mint Replacement
When Mint shut down in early 2024, millions of users lost their go-to budget tracker. Credit Karma absorbed some accounts, but it’s not the same — it’s a credit monitoring tool, not a financial planner.
Spendify picks up where Mint left off and goes further. You get the same automatic account syncing, transaction categorization, and budget tracking you loved about Mint. But you also get something Mint never had: a complete debt payoff planning engine with your exact debt-free date, strategy comparison, and what-if scenarios.
More Than Mint Ever Was
Beyond replacing Mint’s core features, Spendify adds capabilities Mint never offered. Create unlimited workspaces to organize different areas of your finances. Invite your partner with role-based access. Build custom rules to auto-categorize transactions exactly the way you want. And use the AI assistant to ask questions about your spending in natural language.
No Ads. No Selling Your Data.
Mint was free because you were the product. Ads cluttered the interface, and your financial data was used for targeting. Spendify takes a different approach — a straightforward subscription with no ads, no data selling, and real customer support from people who actually respond.
At $79.99/yr, you’re investing in a tool that’s built to help you, not monetize you.
Ready to See Your
Debt-Free Date?
Join thousands of people who stopped guessing and started planning. Your future self will thank you.
Coming Soon