Mint is going away in January

[fortnightlily]

It's getting folded into Credit Karma.
support.creditkarma.com/s/article/Intuit-Mint-and-Credit-Karma

I've been using Mint a long time, since it was the only game in town.

What else do folks use that they'd recommend? I don't really need budgeting, I just like to see all my accounts in one place and track trends in spending and income.

[mccallister84]

We use Empower Personal Dashboard. I have never used mint so don’t know how it compares but it has everything in one place and tracks overall net worth as well as every individual account - HSA, credit card, 401k, checking, savings, etc.

[k3am]

I’m annoyed. I use it for the same purposes as you and have over a decade of transaction history that I reference occasionally.

[hw77]

Wow! This is the first I'm hearing about it! I've used it for probably 15 years!!! I love looking back year over year

[aspentosh]

F**********CK. I use it every morning to track expenses and keep our budgets in check. And have been for like 15 years. UGH.

I also had Empower but didn't care for their interface so stopped earlier this year.

[dutchgirl678]

You can probably keep using it through Credit Karma? It says they will keep all your data, you just have to download a new app.

[chpmnk1015]

ive used quicken for years and love it

[SusanBAnthony]

www.monarchmoney.com/blog/mint-shutting-down

I read this and it resonated.

We don't use mint so this doesn't affect us but I know a lot of people who do and are upset about it.

I don't know anything about Monarch so no comment on the actual service, but I think the points about a paid service are valid.

[AdaraMarie]

Wow, this really sucks. The budgeting part is one of the main things I use it for.

[fortnightlily]

Nov 3, 2023 8:49:06 GMT -5 SusanBAnthony said:

www.monarchmoney.com/blog/mint-shutting-down

I read this and it resonated.

We don't use mint so this doesn't affect us but I know a lot of people who do and are upset about it.

I don't know anything about Monarch so no comment on the actual service, but I think the points about a paid service are valid.

Yeah, Monarch's been all over the Reddit threads about it trying to drum up business. I may give it a try.

[ny96]

I started using Quicken Simplifi recently and I really like it. It feels similar to Mint.

[gretchenindisguise]

Thank you for posting this. We tried Mint many years ago but we never quite got on board. I signed up for Monarch Money last night and thus far like it. I am moderately hopeful this will help me share the mental load with H a bit more in this area.

For anyone else wanting to try it - this code works for a 30 day free trial instead of a 7 day free trial: REFRESH30

[Susie]

It's a bummer, but I can't say I'm surprised.  I mostly used Mint to skim over recent transactions for all my accounts in one quick and easy place, to make sure there was nothing out of the ordinary that I couldn't identify.  I already have a Credit Karma account, but will miss that functionality from Mint.

I started a spreadsheet in August 2012 that I've updated roughly monthly since then to track net worth.  Without Mint, I'm really glad to have that back data.  Unfortunately you can't rely on a 3rd party to provide that service over the long haul.

[pumpkincat]

I just signed up for Monarch and love the interface so far. They have capability to import transactions from Mint, so I didn't lose any history.

[aspentosh]

Am trying out Monarch for now, but I *really* hate how forceful they are with their budgeting. I want to create my own budgets and not budget to $0 and I am finding it difficult to do. Trying to deactivate budgets that have a single transaction assigned to them (gas I bought back in January even though I no longer own a gas vehicle) is frustrating.

[shaynaatl]

We are trying Monarch and like it so far. I prefer their interface over Simplifi. It does stink having to pay $100/yr, but I imagine that means good customer service.

I haven't found any service that lists your upcoming credit card bills like Mint does.

[texasharleygirl]

We just had a "wellness" seminar on budgeting. The guy recommended Tiller Money. Which I looked at and think that it's going to fit what I need since it's actually excel based. It integrates with credit cards and banks via Plaid. (I think that someone said that PNC Bank doesn't use Plaid). I have trying to use Quicken, but it's just way too much for me. I think I am going to download the free trial in a week or so.

[k3am]

gretchenindisguise, pumpkincat, aspentosh... now that you've had some time on the platform, any other feedback about Monarch?

[pumpkincat]

Nov 20, 2023 11:33:37 GMT -5 k3am said:

gretchenindisguise , pumpkincat , aspentosh ... now that you've had some time on the platform, any other feedback about Monarch?

I'm still enjoying it! One thing I missed was downloading net worth balances from Mint before I closed that account and deleted the data. So I have cashflow/transaction history back for years, but not a Balance Sheet net worth look.  Which is fine, but I wish I'd done that first. 

I had never used the budgeting feature on Mint because I found it cumbersome. The Monarch version is much easier to use and I've enjoyed setting it up. In looking at their reddit community, sounds like they have a pretty robust roadmap for enhancements so we'll see how that goes.

[gretchenindisguise]

Nov 20, 2023 11:33:37 GMT -5 k3am said:

gretchenindisguise , pumpkincat , aspentosh ... now that you've had some time on the platform, any other feedback about Monarch?

I've still enjoyed it. I didn't come directly from Mint, so can't compare it to that.

They seem to have a great customer service team that seems really entuned and open to feedback/suggestions. They also published a 50% off for the first year MINT50 - for me that definitely makes it worth it to give it a try for that first year.

Things I like: both H and I have log ins and we're able to see things. I like that I was able to create my own line item budget for things and the app is easy for me to use.

Things I don't like: if I mark a transaction for H to review, it doesn't ping him until he logs into the app. I wish it sent him an email.

[k3am]

I bit the bullet. So far it's fine. I hate that there is no line in between transactions - I'm getting old and need some form of visual distinction. It won't let me add my 401k account, but mint was never able to consistently sync/updated the balance with it anyways. It won't connect with our auto loan, but neither did mint.

Beyond that, it seems fine. Some things will need some playing around.

When I'm in transaction history, it shows a ton of things as "Apple Pay" vs the actual merchant "Starbucks" or whatever. I can't figure out how to change that without doing it manually on all transactions.

[shaynaatl]

I'm about to finish my first month on Monarch. I am generally liking it, and plan to keep it.

My main wish is that they would show me upcoming credit card bill amounts. I loved this about Mint.

[ohgillian]

Literally all I did with Mint was aggregate transactions across multiple credit cards to download into Excel. I moved to Empower and it seems fine for this purpose. Maybe not quite as good but satisfactory so far.

[tealblue]

Am I too dumb for credit karma?

It figured out my vehicles and credit card/mortgage. I can’t figure out how to add bank accounts without giving them info for what looks like opening a bank acct with them? No idea where my investments go.

Also it said I couldn’t put in a value on my house and pulls from Zillow or something that’s hundreds of thousands of dollars off from my house value.

I didn’t use mint for budgeting but just for overall net worth/investment (401k’s, Roth, 529’s, etc) in one place. Can I do this in Credit Karma or do I need to find something else?

[aspentosh]

Nov 20, 2023 11:33:37 GMT -5 k3am said:

gretchenindisguise , pumpkincat , aspentosh ... now that you've had some time on the platform, any other feedback about Monarch?

I don't care for it and probably won't continue using it after my 30 days are up, even with the 50% off deal. 

-I *really* hate how they budget. We aren't in the budgeting to zero stage of our lives anymore and it's frustrating that they seem to be forcing that on me. 
-I much preferred how Mint would have "other" at the bottom of the budgets page because, again, we don't budget everything. We had quite a few budgets for known expenses and things like groceries or vet bills, but the other one off stuff I was ok with having down at the bottom. Monarch makes it so much more detailed and it's overkill for us. I don't need to track how much interest my bank pays me in my income, TYVM.

Basically, I've discovered I want to track our transactions (we've had issues with fraud), keep a loose eye on problem budgets (food, lol), and track our net worth. I will likely look for a wealth tracking app instead of a budgeting app. I think I may try pocketwise next. 

We actually had Empower/Personal Capital when we were paying for their investment services, but because I still had access to Mint I never game them a fair chance. Maybe I'll look back into them, too.

[fortnightlily]

Nov 30, 2023 10:39:25 GMT -5 aspentosh said:

Nov 20, 2023 11:33:37 GMT -5 k3am said:

gretchenindisguise , pumpkincat , aspentosh ... now that you've had some time on the platform, any other feedback about Monarch?

I don't care for it and probably won't continue using it after my 30 days are up, even with the 50% off deal. 

-I *really* hate how they budget. We aren't in the budgeting to zero stage of our lives anymore and it's frustrating that they seem to be forcing that on me. 
-I much preferred how Mint would have "other" at the bottom of the budgets page because, again, we don't budget everything. We had quite a few budgets for known expenses and things like groceries or vet bills, but the other one off stuff I was ok with having down at the bottom. Monarch makes it so much more detailed and it's overkill for us. I don't need to track how much interest my bank pays me in my income, TYVM.

Basically, I've discovered I want to track our transactions (we've had issues with fraud), keep a loose eye on problem budgets (food, lol), and track our net worth. I will likely look for a wealth tracking app instead of a budgeting app. I think I may try pocketwise next. 

We actually had Empower/Personal Capital when we were paying for their investment services, but because I still had access to Mint I never game them a fair chance. Maybe I'll look back into them, too.

I think my goals are same as yours, so let me know if you find something you like!

[mainelyfoolish]

I’ve been trying Quicken Simplifi for the last month and I’m trying to decide if I want to cancel before my free trial ends tomorrow.

I used Mint primarily to consolidate all my transactions across bank accounts, investment accounts, and credit cards. I keep a paper record of my checking account & credit card transactions and I use the software to easily reconcile what I’ve spent. I categorized the transactions to see historical trends, such how much have we been spending on groceries, but I didn’t use the budgeting tools. Other than my fixed/regular expenses, I don’t care what I spend money on as long as I don’t spend more than my total allocated for variable expenses.

Overall, Simplifi seems pretty similar to Mint. It is able to download most of my accounts, the exceptions being a Vanguard Rollover IRA (for some reason it only recognizes my Vanguard Roth IRA) and my Kohl’s credit card. Neither of those are deal-breakers, but it’s annoying.

My other annoyances with Simplifi are that it doesn’t have an app that works on an iPad, which is how I usually used Mint. It’s a little clunky to use the browser version on my iPad. I also don’t like how it keeps asking me if I want to create rules when I categorize a transaction. Maybe there is a way to turn that off, but I haven’t had the time to devote to checking out all the settings. I buy a lot of different things from Amazon and Walmart; I do not want to create a rule to automatically categorize those transactions! Stop asking me!

[aspentosh]

fortnightlily, so far I am liking Pocketsmith better than Monarch. It's much less rigid in their budgeting and the interface is very clean. You can make multiple dashboards, though I haven't played around with it too much because you can see so much on just one dashboard, lol. Their widgets are customizable so I've discovered I can track my net worth or investment income the way I was hoping for. Tracking is also super easy- they have labels and ways to set budgets. I haven't found out a way to do rollover budgets yet... that's the only thing.

I was bummed that they didn't have a trial like Monarch so jumped right into paying, but when I signed in this morning they gave me a link for a free 30 day trial... so it's here if anyone wants to use it.

my.pocketsmith.com/friends/vkmgqm

[fortnightlily]

Dec 15, 2023 8:05:54 GMT -5 aspentosh said:

fortnightlily , so far I am liking Pocketsmith better than Monarch. It's much less rigid in their budgeting and the interface is very clean. You can make multiple dashboards, though I haven't played around with it too much because you can see so much on just one dashboard, lol. Their widgets are customizable so I've discovered I can track my net worth or investment income the way I was hoping for. Tracking is also super easy- they have labels and ways to set budgets. I haven't found out a way to do rollover budgets yet... that's the only thing.

I was bummed that they didn't have a trial like Monarch so jumped right into paying, but when I signed in this morning they gave me a link for a free 30 day trial... so it's here if anyone wants to use it.

my.pocketsmith.com/friends/vkmgqm

Oh nice, thanks!  Mint keeps prompting me to migrate to Credit Karma, but once you click it's irreversible so I've been holding off... My husband also prefers I stay off Mint this time of year to avoid getting spoiled by where he's shopping for gifts

[hw77]

Mint email i recv'd last night says I'm not ready to switch over i can keep using Mint until March! I was overly excited about this! As I really like to compare year over year and havent come up with a decent plan B