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
TL;DR
Mint shut down in early 2024, leaving millions searching for a replacement. Spendify picks up where Mint left off with automatic account syncing, budgeting, and transaction tracking — then adds the debt payoff planning Mint never had.
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
Feature comparison accurate as of March 2026. Features and pricing may have changed since this page was last reviewed.
Better Value, More Features
Everything Mint offers — plus the debt planning tools it doesn't
Spendify
$79.99/yr billed annually
Mint
per year
Which App Is Right for You?
An honest look at who each app serves best
Choose Spendify if...
- Need a Mint replacement that covers all the core features you relied on
- Want debt payoff planning that Mint never offered
- Prefer an ad-free experience where your data stays private
- Need workspace collaboration for managing finances with family
Choose Mint if...
- Mint is discontinued — there's nothing to choose
- Credit Karma absorbed some Mint accounts, but it's a credit monitoring tool, not a budgeting app
The Best Mint Replacement
If you used Mint, you already know what happened: Intuit shut it down in early 2024 and pointed everyone toward Credit Karma. For millions of people who relied on Mint to track spending, manage budgets, and keep tabs on their accounts, the transition was jarring. Credit Karma monitors your credit score and recommends financial products — it doesn’t track your grocery spending or tell you if you’re over budget on dining out.
Spendify picks up where Mint left off. Automatic account syncing across 13,000+ institutions. Transaction categorization that you can customize with multi-condition rules (no more fighting Mint’s notoriously bad auto-categorizer). Budget tracking with category limits and rollovers. Net worth monitoring across all your accounts. Everything you relied on Mint for, rebuilt without the baggage.
What Mint Never Had
Mint tracked your debt balances but never helped you pay them off. Spendify does. The Debt-Free Date Calculator projects when you’ll be done based on your real balances and APRs. Strategy Comparison shows the actual dollar difference between snowball, avalanche, and custom payoff orders for your specific debts. What-If Scenarios let you test payment decisions — a raise, a windfall, a balance transfer — and see the impact on your timeline instantly.
These are the tools Mint users always asked for and never got. Mint would show you that you owed $18,000 across four cards. Spendify shows you that too, then tells you you’ll be debt-free in 22 months if you prioritize your highest-rate card, and that switching to snowball order would cost you $1,800 more in interest.
No Ads, No Product Pitches, No Ulterior Motives
Mint was free because you were the product. Banner ads for credit cards you didn’t need. “Recommendations” that were really paid placements. An interface cluttered with sponsored content that made it harder to find your own financial data.
Spendify charges $79.99/yr and that’s the entire business model. No ads in the app, no selling your financial data to advertisers, no “you might be interested in…” cards that are really affiliate revenue. Your financial data stays between you and your bank connections.
Bring Your Household Along
Mint was a single-user tool. If you and your partner both wanted to see the budget, you shared a login — with no way to control who could change what. Spendify lets you create unlimited workspaces and invite collaborators with role-based access. Your partner gets Admin access to the household workspace. Your college kid gets Viewer access to learn. Your financial advisor sees what they need without touching your settings. It’s collaboration designed for how families actually manage money.
Frequently Asked Questions
Common questions about switching from Mint to Spendify
What is the best replacement for Mint?
Spendify replaces Mint's core features — automatic bank syncing, transaction categorization, budgets, net worth tracking — and adds debt payoff planning, AI insights, and workspace collaboration that Mint never had. Unlike Credit Karma, which absorbed some Mint accounts, Spendify is a full financial planning app, not a credit score tool.
What happened to my Mint data?
When Mint shut down in early 2024, Intuit migrated some accounts to Credit Karma. However, Credit Karma is focused on credit monitoring and doesn't offer budgeting or transaction tracking. Spendify connects to 13,000+ banks via Plaid and Apple FinanceKit — your transactions sync automatically from your accounts, no Mint export needed.
Is Credit Karma a good Mint replacement?
Credit Karma is a credit monitoring tool, not a budgeting app. It shows your credit score and offers financial product recommendations, but it doesn't have budget tracking, spending categories, debt payoff planning, or the financial management features Mint users relied on. Spendify covers all of that.
Why should I pay for Spendify when Mint was free?
Mint was free because it made money from ads and by selling targeted financial product placements using your data. Spendify charges $79.99/yr for an ad-free experience with no data selling. You also get features Mint never offered: debt payoff strategies, AI financial assistant, unlimited workspaces, and a transaction rules engine that actually works.
What do Mint users get with Spendify that Mint didn't have?
Debt-Free Date Calculator with a projected payoff timeline, strategy comparison (snowball/avalanche/custom), what-if scenarios for testing payment decisions, AI financial assistant, unlimited workspaces with collaboration, advanced transaction rules, and Apple FinanceKit support. Plus no ads and no financial product solicitations.
Ready to See Your
Debt-Free Date?
Join thousands of people who stopped guessing and started planning. Your future self will thank you.
