Mint.com is going away. Are there any alternatives that are as automatic and simple?
Mint is shutting down, and it’s pushing users toward Credit Karma
FOSS/self hosted preferred, but open to anything!
Fuck Intuit. I wish they never bought mint and I hope they go bankrupt
Wow, this is news to me. I found it so useful to be able to see all of my financial information in one place. I don't want to have to open up 4 or 5 sites all the time just to make sure my bills are getting paid and I don't have any fraudulent transactions.
For me, the killer feature of Mint is that it connected to my accounts and aggregated all my transactions automatically. I cannot and will not input transaction data manually, so things like YNAB are absolutely useless to me.
I've never heard of any other app, free or paid, that can do what Mint can do.
It looks like ynab does do this now. I remember when it was just software on your computer, but it's a full cloud app now (complete with $15/month price tag).
I'm on the hunt for a new solution, too. I may try it.
YNAB pulls in most transactions programmatically if you connect accounts. Some accounts don’t sync (eg Apple) and other accounts will only do an initial sync (most 401ks and loan accounts). I think the sync restrictions are a factor of the accounts themselves and not YNAB; I’d love to know if I’m wrong there.
YNAB does not categorize things for you. It’s a different approach where you define money buckets, assign funds to the buckets, and categorize transactions into those buckets. I moved over when Mint got acquired because fuck Intuit and I haven’t really put a ton of time into trying to understand the different paradigm, so I’m not sure I’m explaining it properly. I didn’t use YNAB before because the paradigm isn’t how I’m used to thinking about my spend.
Don’t start the trial unless you’ve got time to think about setting up your buckets and spending targets. Or, if you just want to test the import because you’ll make time later to set it up, it’s probably worth the trial. There is a “family” plan that allows an account owner to share things; I think that’s worth it if you’ve got some people you share financial info with who also budget and you want to keep costs down.
Agreed that's the best feature. I believe Monarch (paid service) pulls this in automatically.
Mint was useful to me for a while until it started forcibly recategorizing stuff with no way to fix it. Tech support was aggressively worthless to the point that I fully shut down every Intuit account I had (they have their tentacles in some surprising businesses). Fuck Intuit and their data hoarding and their anti-taxpayer lobbying and their cold-blooded murder of what was once the only half-decent money tracking app.
This is a good example of what was once a really good company that made really good products but was ruined by the business bros. Everything they touch turns into garbage.
My wife and I use Monarch Money. It's good, but not free.
$15 a month is steep. It took longer than it should've for me to find that price too, so I get sketchy vibes from this service
They also usually do a Black Friday deal for 50% off. Highly recommend!
How is it with connecting (and staying connected) to different services? My biggest complaint with Mint was how randomly some connections would fail due to not having a standard.
Some of them fail occasionally. The problem account I have (out of 20+) is my Mohela student loans, but I just reconnect it every few months since the balance doesn't change much.
Second this. YNAB is a glorified spreadsheet. Monarch is what Mint et al shouldve been
The thing I love most about Monarch is that they actively work to improve it. It's not perfect but they really listen to feedback and every one of my bug reports has been addressed quickly.
I've had exactly the opposite experience. They respond quickly to tell me that nothing will change and I need to live with it.
There is a thread on HN about this (https://news.ycombinator.com/item?id=38114512) which includes a link for https://ghostfol.io which I have not tried, but it is open source / self hostable.
That's for wealth management primarily, not budgeting
Actual Budget is very good. I'm self hosting but you can host with pikapods or other public services and be up and running very quickly.
It's YNAB -esque in implementation.
What's the general level of toil in keeping this software up-to-date? I'm hoping I can get a drop in replacement more or less.
Mine is deployed on home assistant.
I get an update once a month, I can ignore it. The update process is completely automatic and only takes a couple of minutes.
The UI includes a one button export of all your budget data so it's incredibly easy to back up your budget for peace of mind before an update.
The easy to deploy with pikapods seems tempting and really cheap. I may try it
I moved to doing it on my own on Google Sheets (with the envelope system and all) because as convenient as Actual Budget was at the time* I found it lacking in graphs and reports, which I find more important. My Google Sheet, though has more upkeep, I can query and make almost any kind of report or graph I need.
What's the reporting/graphs like now?
*I even paid for a few months to trial it and I think the mobile app as well... I think. I remember entering something on my phone with Actual Budget
They've simplified the use of it in a way. Effectively just a website but reactive so access on a phone is simplified.
On the graphs and reports. There's been a lot of work in the last two months, there was a limiting factor in the original choice in graphing library, but I've seen a Sankey graph, which seemed interesting. But more importantly there is a "custom reporting" which will probably not be as flexible as hand rolling your own Google sheet, but does give you a lot of control.
You can test out the demo budget :https://demo.actualbudget.org
And if you go into settings >advanced> experimental features, you can enable the in progress custom reports....
I use YNAB (you need a budget) it's not free but it's GREAT for setting savings goals, paying back debt, etc.
It's also flexible if you need to break your budget for some reason. You can pull from another bucket easily (gas bill is high, pull from emergency savings or cut from gaming), or just overspend and it goes on a report to keep track and plan better.
The best part is peace of mind on big bills - when it comes time to pay taxes or pay for my 6mo car insurance I've already been saving 1/12 or 1/6 of that total every month leading up to it. I can put everything in auto pay and never have to worry about the money being there.
I tried it for some time but couldn't get past the onerous need to reconcile and categorize every single transaction that it detects. It finally made me shut down my account because it caused me such great anxiety.
It auto categorizes now but it's still a little tedious, sometime recently they added batch categorizing so I can grab all the restaurants and add that to my Eating Out category but it also forces me to look at my finances every couple days which is a good habit imo.
Man I used YNAB a ton as a freelancer starting out as a sort of bubblegum and paper clip solution for tracking my expenditures/purchases. It’s a surprisingly, flexible program and was definitely worth the money. Really glad I had it. Not saying that’s how people should use it, but the point is it’s just really good for tracking money in/money out.
I'll third YNAB. I've been using it for years. Being able to see how the money in your checking account already has a purpose and isn't sitting there waiting to be spent on some bullshit is huge. My SO and I argue about stuff, but our financial stress, a huge problem in many relationships, is nonexistent.
Yeah I used be like wow I have $5000 time to buy some bullshit. But really $3-4000 of that is upcoming expenses so I really only have $1000 and I should use that to pay down a CC or student loans.
Seems like a stupid move to destroy such a popular platform, and highlights the risk of relying on cloud services.
It really does. I've been migrating away from cloud services this past year, wasn't planning on losing Mint but there's no time like the present, I suppose.
Oh good. Glad I signed up 2 hours ago. Fucking A.
Wow fuck Intuit. I'll make sure I never give them another dollar in my life.
Doesn’t matter. They have a massive lobbying arm that keeps the US government from making taxes automatic. Unless that lobbying goes away (or politicians start caring about constituents which is much less likely), Intuit will continue making money hand-over-fist from tax software that it can use to fund other dumb shit like acquiring then closing Mint.
Ugh. I shared this with my wife and she is really saddened by the news. We have over a decade of historical data on Mint and she really values the insights it has been able to give to her in planning for a family.
Hopefully, the community can suggest some viable alternatives :|
Be sure to export your data. I wouldn't be surprised if alternatives made a feature to upload old data, and at the very least you could pop it into a spreadsheet so it's not completely lost.
Almost every financial app I’ve ever interacted with allows you to export a .CSV file. Hopefully they allow that.
I use rocket money. Its free, automatically integrates with all your banks/cards and has great budgeting features. Its not FOSS or self hosted though
Premium: We allow members to choose your own price for Premium. You can choose on a sliding scale between $3-$12/month. The $3 - $5 options are billed annually.
In case anyone ask how much it cost
I use it without paying and get everything i need.
Nice! What credit union is this?
Mint never worked well for me, would regularly fail to load the data from my bank and sometimes it would even create duplicates.
I just use a spreadsheet now. Pretty much all banks have an export feature, i setup a column with category dropdowns
I went from Mint to Money in Excel to Tiller. Tiller has been the best for me. Very stable and highly customizable if you know Excel or Google Docs.
Downside is that it’s $79/year
Upside is that it works really well, has a deep user community and they aren’t selling your data (which Mint definitely did).
I use Rocket Money. The free features seem fine. I'm certain it's not open source.
A little late here - but I adore YNAB. I'll talk about it all day but at it's base it functions off of a digitized envelope system rather than trying to match projected inputs to projected outputs every month.
YNAB has the automatic uploads of transactions (and does try to guess a category for you but you do have to review and approve).
It is fairly expensive. Although the family plan works if you have anyone you're open about finances with (or simply trust the family "owner" not to peek - like my younger sister decided to trust me not to look.)
This is the best summary I could come up with:
Intuit first acquired Mint in 2009, an app that has offered a free way for users to track their budgets, manage expenses, negotiate bills, and keep tabs on subscriptions.
On a support page on Credit Karma’s website, Intuit says “the new experience in Credit Karma does not offer the ability to set monthly and category budgets,” adding that the app instead “offers a simplified way for you to build awareness of your spending, and track your savings.” Intuit says it still plans on adding ways to view transactions, track spending, and aggregate financial accounts.
The Verge reached out to Intuit for more information about the features coming to Credit Karma but didn’t immediately hear back.
Earlier this year, Credit Karma added one of Mint’s key features: the ability for users to track their net worth.
Users can also download and delete their Mint data if they don’t want to move to Credit Karma.
This change seems to have been in the works for quite some time now, as Mint users across Reddit have seen prompts to migrate to Credit Karma over the past few weeks.
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