Mint replaced: a clean migration playbook for 2026

Mint shut down on March 23, 2024. Intuit pushed users toward Credit Karma — which is not a personal-finance tool; it's a credit-product marketplace. Three million people had to find a new tool, and most of them haven't yet.

This post is for the cohort still using a half-broken Mint export, a half-built spreadsheet, or no tool at all. Here's what to look at, what to skip, and how to migrate without losing the years of category-cleaning work you put into Mint.

What you actually want from a Mint replacement

Mint did a few things very well: bank aggregation, automated categorization, simple budgets, alerts when something anomalous happened. It did a few things poorly: investments (basic at best), goal-tracking (disconnected from the rest of the app), forecasting (nonexistent).

Most "Mint replacements" replicate the things Mint did well and ignore the things it did poorly. That's a reasonable v1 but not a useful long-term tool. If you're going to migrate once, migrate to something that handles the parts Mint skipped, because in five years those will be the parts that matter.

The shortlist (and what each is for)

• Monarch Money. Built by ex-Mint engineers. Closest direct successor for US users. Excellent categorization. Investment tracking is decent. Pricing is $14.99/mo or $99/yr. Best fit if you live in the US, want one tool, and don't care about FIRE planning or expat situations.
• Copilot Money. iOS-first. Beautiful design. US-only and locked into Apple ecosystem. Great if those constraints fit your life.
• YNAB. Different tool, same audience. If your problem was "I'm overspending and need to budget harder," YNAB's zero-based approach is the right religion. Doesn't do investments.
• Empower (formerly Personal Capital). Free dashboard is genuinely good. The catch: every interaction is a sales funnel for their 0.89%-AUM advisor service. If you're going to ignore the upsell forever, it's a fine option. Most people don't manage to ignore it forever.
• k25x. Built for the segment Mint never served well: multi-currency expats, FIRE planners, Sharia-compliant savers. Subscription-only, no AUM, no ads. Free tier covers 60% of what most users do.
• Spreadsheet. Free. Total control. Worth considering if your situation is unusual enough that no off-the-shelf tool fits, or if you want to learn the underlying math by building it yourself once. We'll do a full post on the spreadsheet approach separately.

How to migrate without losing your data

The rough sequence for any migration:

1. Export from Mint while you still can. Intuit kept Mint's export tool live for ~12 months post-shutdown. If you missed it, see if a third-party backup tool ran against your account. If not, you'll rebuild from bank statements; that's six hours of work but tractable.
2. Pick your replacement. Use the shortlist above. Bias toward the tool that handles the next ten years of your life, not the next ten weeks.
3. Connect your banks first. Resist the urge to import historical data immediately. Get a clean current state working — this week's transactions, your real balances — before pulling in years of Mint history.
4. Then import history. Most tools accept a CSV. Map your Mint categories to the new tool's categories (we've published a Mint→k25x mapping spreadsheet — see the link below). Spend a Saturday morning doing this properly; the categorization is worth more than the raw transaction list.
5. Set up budgets and alerts last. Once you have clean data and known categories, the budget structure falls out naturally.

What you'll feel after migrating

Two specific things, in this order:

1. Relief. Mint had been dying for years before it was killed. Categorization broke. Bank connections broke. Alerts fired hours late. A new tool that actually works, by itself, is the first 80% of the value.
2. The reveal of what Mint was hiding. Mint treated investments as a column. A real net-worth tool treats them as a system. If you have any kind of investment portfolio, the first thing you'll notice in the new tool is that your "net worth" number was wrong in Mint — usually understated by 10-30%.

k25x accepts Mint CSV exports directly: sign up free, then Settings → Import → drop the CSV. Categories map automatically. The first run takes about 90 seconds.