Mint alternative
The Best Free Mint Alternative for 2026
Mint shut down in March 2024 and left 30M users stranded. Dinero Claro picks up where Mint left off — free budgeting, expense tracking, AI money coach and debt payoff planner — without forcing a bank connection.
What actually happened to Mint
Mint launched in 2006 and was acquired by Intuit in 2009 for $170 million. Its pitch was simple and, at the time, unheard of: connect every bank, card and loan account, and see one consolidated picture of your money for free. It worked because Intuit did not need Mint to be profitable — the product existed to feed credit-card and loan referrals, and to keep users inside the TurboTax orbit. That business model is exactly why Mint could stay free for 30 million people, and also why it never got serious product investment after roughly 2015.
On November 2, 2023 Intuit announced Mint would shut down, and the app went dark on March 23, 2024. Users were pushed toward Credit Karma, which Intuit had bought in 2020 — but Credit Karma is a credit-monitoring and offers product, not a budgeting tool. It has no envelope budgeting, no category-level monthly limits, and no way to reconstruct Mint's historical budget data. The export Intuit offered was a flat CSV of transactions with no budgets, goals or rules attached, so most people effectively lost a decade of financial history.
Mint was genuinely good for one kind of person: someone with stable W-2 income, several US bank accounts, and a tolerance for messy auto-categorization in exchange for zero manual effort. It was bad for freelancers and cash-heavy households, it was English-only, its ad units were placed inside the budgeting screens themselves, and its Plaid-style connections broke constantly. If you left Mint before the shutdown, that is usually why. If the shutdown made the decision for you, the honest question now is whether you want to hand your bank credentials to another aggregator at all — Dinero Claro is built so you do not have to.
Why switch from Mint to Dinero Claro
- Mint was discontinued by Intuit in March 2024. There is no way to recover your data or get new features.
- Dinero Claro never sells data or shows third-party ads inside core budgeting tools.
- Built-in bilingual AI money coach gives you specific savings tips Mint never offered.
- 4 Pillars budgeting method is more flexible than Mint's rigid categories for variable income.
- Free plan covers budgeting, expense tracking, savings goals and achievements — features that used to cost in Mint.
Frequently asked questions
Is Dinero Claro really free?
Yes. The free plan covers budgeting, expense tracking, savings goals, the AI money coach and achievements. Premium ($7.99/month) unlocks the debt planner, investments and credit tracking.
Can I import my Mint data?
Mint data export was discontinued. You can start fresh in Dinero Claro in under 5 minutes — manual entry or CSV upload from your bank.
Do I need to connect my bank?
No. Dinero Claro is built around manual and CSV-based tracking by design, for privacy. Bank connections are optional and never required.
Is Dinero Claro available in Spanish?
Yes. Fully bilingual EN/ES with no machine translation. Set the language in Settings or use /es and /en routes.
Does Dinero Claro track investments and net worth?
Yes. Net worth tracking is free. The investment tracker (stocks, ETFs, crypto, dividends with live market data) is a Premium feature.
Ready to leave Mint?
Free plan available. No bank connection. Bilingual EN/ES.