MoneyFlow vs Mint: What to Use Now That It's Shut Down
Mint shut down in March 2024, and Intuit pointed its users toward Credit Karma. But Credit Karma is a credit-monitoring and ad-driven offers platform first - it dropped Mint's category budgets and custom alerts, and only added back partial net worth and spending tracking since. Here's how MoneyFlow compares to what's actually available today.
Why this comparison is different
Mint doesn't exist anymore, so this isn't really "MoneyFlow vs Mint" - it's MoneyFlow vs Credit Karma, the app Intuit steered Mint's users toward. Credit Karma is fundamentally a free credit-monitoring service that makes money by showing you offers for credit cards and loans, not a purpose-built budgeting app.
It has added some Mint-like features back - net worth tracking, debt monitoring, spending categorization - but budgeting was never its core product, and features like Mint's custom alerts and category budgets are still gone.
The core difference: ad-supported vs. private
Credit Karma is free because its business model is matching you with financial products - credit cards, loans, insurance - based on your linked accounts and credit profile. You get budgeting-adjacent features, but the app's incentive is offers, not helping you spend less.
MoneyFlow doesn't show ads or sell your data. It doesn't link to your bank at all - you log income, spending, bills, and debts yourself, and MoneyFlow calculates your Safe-to-Spend number, net worth, and debt payoff dates from what you enter.
Pricing
Credit Karma is free, funded by ads and offers for financial products shown throughout the app.
MoneyFlow's core features (all 7 tracking categories, Safe-to-Spend, achievements, debt payoff dates) are also free - funded by an optional fixed-price Pro tier instead of ads, with no percentage-based fees or third-party offers.
Curious how bank-linking actually works? Read the full breakdown →
Feature comparison
| Feature | MoneyFlow | Credit Karma |
|---|---|---|
| Bank account linking required | No | Yes |
| Manual expense/income tracking | Yes | No (auto-imported only) |
| Ads / third-party offers | No | Yes (core business model) |
| Category budgets | Yes | Limited (spending categorization, no true budget limits) |
| Debt payoff date tracking | Yes, free | No (debt monitoring only) |
| Net worth tracking | Yes, free | Yes, free |
| Safe-to-Spend / real-time spendable number | Yes | No |
| Credit score monitoring | No | Yes |
| Offline / no account linking option | Yes | No |
| Pricing model | Fixed Free + Pro tiers, no ads | Free, ad-supported |
Who Credit Karma is a better fit for
If you mainly want free credit score monitoring alongside a rough view of spending and net worth, and you don't mind seeing offers for credit cards and loans based on your data, Credit Karma covers that.
Who MoneyFlow is a better fit for
If you were using Mint for budgeting - category budgets, debt tracking, a real spending plan - Credit Karma was never built to replace that. MoneyFlow is a purpose-built budgeting app, not a credit-monitoring app with budgeting features bolted on.
MoneyFlow is also a better fit if you don't want your financial data used to match you with ads and offers, or you want an exact debt payoff date instead of just a debt balance.
Frequently asked questions
What happened to Mint?
Mint shut down on March 23, 2024. Intuit, which owns both Mint and Credit Karma, discontinued it and encouraged users to migrate to Credit Karma instead.
Is Credit Karma a good Mint replacement?
Not really for budgeting. Credit Karma is built around free credit score monitoring and ad-supported financial product offers - it dropped Mint's category budgets and custom alerts, and only partially added back net worth and spending tracking.
Does MoneyFlow require linking my bank account like Credit Karma does?
No. MoneyFlow is offline-first - you enter your data manually, and it never leaves your device. Credit Karma requires linking your accounts to track spending, debt, and net worth.
Does MoneyFlow show ads like Credit Karma?
No. MoneyFlow doesn't show ads or sell your data to advertisers. Credit Karma's core business model is showing you offers for credit cards, loans, and other financial products based on your linked accounts.
See how MoneyFlow handles the rest of your money: Safe-to-Spend, debt payoff planner or net worth tracker.
Try MoneyFlow free
No bank linking, no ads, no offers based on your data - just your real numbers, always current.