Mint is gone — where to track subscriptions

"I just made the mistake of doing the 'link'. It's not a link. It's a full-stop hard migration." That line, from an Intuit community forum after Mint's closure, captures the experience of millions of users who followed the official instructions and found their financial history gone, their budgets erased, and Credit Karma — a credit-score and loan-referral service — staring back at them.

Quick answer

The honest replacement for Mint depends on what you actually used it for. If you need automatic detection of forgotten charges, a bank-connected tool (Rocket Money's free tier, Monarch Money, or YNAB with CSV import) will catch more. If you're done sharing credentials with third-party aggregators, a manual tracker like Bobby (iOS/Mac only) or a web-based option does the job with less exposure — but you have to add every subscription yourself. Credit Karma is not a Mint replacement; it doesn't do budgets, bill reminders, or subscription tracking.

What Mint actually was — and what Credit Karma is not

Mint was a budgeting app that connected to your bank, auto-categorised transactions, and let you set spending budgets and bill reminders. Intuit announced its closure on October 31, 2023, with the service finally going dark on March 23, 2024. What didn't migrate to Credit Karma: transaction history, custom categories, budgets, goals, bill reminders, and recurring transaction labels. Intuit itself confirmed Credit Karma "does not offer the ability to set monthly and category budgets."

The consolidation made sense as a business move — Intuit acquired Credit Karma in 2020 for $8.1 billion and reportedly had 3.6 million monthly active Mint users as of 2021, versus an estimated 130 million Credit Karma users at the time of the merger decision. Mint's average revenue per user was estimated at $2–$3. Val Agostino, Monarch Money's CEO and Mint's own first product manager, said plainly: "A free personal finance app is simply not a viable business." I believe he's right, and it's worth sitting with that before picking any free-tier replacement.

The one-in-five problem hasn't gone away, either: a MarketWatch survey of 1,000 US subscription-paying consumers found that 19.9% couldn't say exactly how many subscriptions they were paying for. Mint was many people's answer to that question. Now the question is open again.

The privacy fork: bank-connected vs. manual entry

The central trade-off is uncomfortable, and I'd rather name it clearly than soften it. Bank-connected apps — Rocket Money, Copilot, Monarch Money, NerdWallet's Subscriptions feature, Quicken Simplifi — scan your transaction history via Plaid or similar aggregators and surface every recurring charge automatically. Manual-entry apps (Bobby, spreadsheets, or a subscription tracker that doesn't need your bank login) require you to add each subscription by hand and will miss charges you don't know about.

Neither path is perfect. Plaid's connection is read-only and encrypted, but it doesn't control what third-party apps do with your data downstream — and a breach at one node in shared financial infrastructure can expose users of multiple services at once (see the 2024 Evolve Bank breach). On the other side, even bank-connected apps aren't exhaustive: NerdWallet's own FAQ notes the scanning technology "may not detect all subscriptions."

The choice is really about your risk tolerance and your discipline. If a forgotten trial converting to a $14.99/month charge is more expensive than the effort of linking accounts, bank-connected tools are probably right. If you've had enough of credential-sharing and are willing to maintain a manual list, there are solid options — though "solid" means disciplined, not automatic.

Where each option lands

Rocket Money (free tier) requires bank connection even for the free plan, but it's the most Mint-like replacement in terms of automatic detection — it surfaces recurring charges you'd forgotten and lets you cancel them from within the app on Premium. The free tier's subscription tracking doesn't appear to have a hard cap. The model is the same as Mint's: referral revenue from financial products, which means the product is free because you're the audience, not the customer.

Monarch Money ($99.99/year or $14.99/month) was built by Mint's first product manager explicitly as a paid successor — it saw its biggest single user-acquisition day on November 1, 2023, the day after the Mint closure announcement. It requires bank syncing, covers iOS, Android, and web, and includes full budgeting. At $100/year it's the most direct Mint equivalent, but it's expensive if all you want is subscription tracking without the full budgeting apparatus.

YNAB ($109/year) is the most expensive option here, but also the most flexible on the credential question — bank connection is optional, and community tools like YNAMB were built specifically to convert Mint CSV exports into YNAB-compatible format. The trade-off is a steep learning curve: YNAB uses zero-based budgeting (assign every dollar before spending), which is a meaningfully different philosophy from Mint's retrospective tracking, and it rewards the committed while punishing the casual.

Bobby (free, one-time $1.99–$2.99 upgrade) is the cleanest manual tracker if you're on Apple hardware — 4.7 stars from 7,900+ App Store ratings, no bank connection, no subscription fee. The hard limitation: iOS, Mac, and Apple Vision only. No Android, no web app. If you left Mint for an Android phone, Bobby isn't an option.

Quicken Simplifi ($47.88–$71.88/year) requires bank connection and supports only USD or CAD — one currency at a time. For users with subscriptions billed in EUR or GBP, it simply can't track them accurately.

Copilot Money ($95/year) is Apple-ecosystem only (iPhone, iPad, Mac, limited web), requires bank connection through Plaid or Finicity, and has no Android app.

Spreadsheet — free, total control, zero automatic reminders by default. Google Sheets and Excel templates exist (Smartsheet has decent ones). Tiller Money ($79/year) adds bank-fed automation to a spreadsheet if you want the best of both.

For manual-entry tracking with email reminders across every platform, Subnesio offers a free tier (up to 10 subscriptions with dashboard visibility) and a Pro plan at $29.99/year — or a one-time Lifetime purchase for $59 — with customizable reminder windows from one day to one month before each renewal. It's honest about what it can't do: no bank connection means it won't catch charges you forgot to add.

What each option gets wrong

Rocket Money and NerdWallet's free subscription feature run on the same referral model that made Mint unsustainable — the product is your attention. Monarch Money is genuinely good but genuinely expensive if all you want is subscription tracking rather than full budgeting. YNAB rewards the committed and frustrates everyone else. Bobby is excellent inside the Apple world and doesn't exist outside it. Quicken Simplifi is US/Canada-centric in a way that hurts international users. And manual trackers — spreadsheets, Bobby, or anything else that requires manual entry — will miss the subscription you forgot you signed up for in 2022 and never cancelled.

The discipline gap is real. Without bank syncing, there's no safety net for quiet auto-renewals. A comparison of the free tier options is worth reading before committing to the privacy-first path — some "free" plans have meaningful limitations on reminder access that aren't obvious from the homepage.

The best tracker is the one you'll actually open every month. Pick accordingly.

P.S. If you exported your Mint data before March 23, 2024 — that CSV is now the only copy. YNAB and several community tools can ingest it; most dedicated subscription trackers cannot and expect manual re-entry.