Compare
My AI Fin App vs Mint
The free app people are still looking for
Mint closed in March 2024 and Intuit pointed everyone at Credit Karma, which is a credit-score product with loan offers attached. If what you liked about Mint was that it was free and showed you everything, here's how this compares — and where it doesn't.
Facts about Mint checked September 2026 from the sources below. If something is out of date, tell us.
Price
My AI Fin App
Free for everything you enter by hand. Pro is $5.99/mo or $49/yr for bank sync, and free during early access.
Mint
Mint was free, paid for by ads and offers. Shut down March 2024. Credit Karma, where Intuit sent Mint users, is free and paid for by the loans and cards it recommends.
Free tier
My AI Fin App
Yes. Unlimited, no ads, not a trial.
Mint
Mint was all free tier, with ads. Credit Karma is free, with loan and card offers.
Bank sync
My AI Fin App
Pro, through Plaid, refreshed nightly. Manual entry is a full path.
Mint
Mint synced banks through Intuit, free. Credit Karma links accounts for its net worth and spending views.
Debt payoff
My AI Fin App
The center of the app: snowball and avalanche side by side, extra payments that roll over, planning payments that actually shrink card balances, and a warning when a payment can't cover its own interest.
Mint
Mint had budgets and bill alerts, not a payoff plan. Credit Karma shows debt balances and offers refinancing and consolidation loans.
Investments
My AI Fin App
Holdings from synced brokerage and retirement accounts: shares, price, value and gain against cost. No performance or allocation analysis.
Mint
Mint showed investment balances and basic performance. Credit Karma shows balances from linked accounts.
Households
My AI Fin App
Free, with owner, member, and viewer roles. Every member's bank connections feed one picture.
Mint
Mint had no shared households; one login per person. Credit Karma is one person, one credit file.
Net worth
My AI Fin App
Recorded daily with milestones.
Mint
Mint tracked net worth over time. Credit Karma has a net worth view from linked accounts.
AI assistants
My AI Fin App
Connect Claude, ChatGPT or Cursor to your own data. The app does the math; the assistant explains it. Read-only, revoke any time.
Mint
Not applicable: Mint shut down before assistants were a thing.
Privacy
My AI Fin App
No ads, no data selling. Revenue is Pro subscriptions.
Mint
Both funded by showing you financial products. Credit Karma earns a fee when you take an offer.
Pick Mint if
- You want a credit score in the same app (Credit Karma does that; this doesn't).
- You want investment performance, not just balances.
- You want bill negotiation.
Pick My AI Fin App if
- The reason you're looking is debt, and you want a date.
- You want a free tier that isn't a trial and has no ads.
- You'd rather not be sold a loan.
How we make money
Pro. $5.99 a month, or $49 a year, for automatic bank sync and AI assistant access. That is the whole list. Everything you can type in by hand is free for as long as you use it, with no ads, no offers and no selling your data, ever.
- No ads
- No "recommended" offers
- No data sold
- No credit card to start
Bringing your data over from Mint
Not yet. There is no file importer today. If your accounts are with a bank Plaid supports, connecting it pulls in balances, transactions, and debts, which covers most of what an import would. If you need a CSV importer, tell us through the contact page. It helps us decide what to build next.
Sources
Other comparisons
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Fifteen minutes to the full picture.
Connect a bank or type in a few balances. Net worth, budget, spending, your debt-free date and alerts: free to start, with nothing to sell you.
No credit card. No ads. Your data is never sold. Pro is free during early access.