Mint shut down in 2024; the Credit Karma hand-off isn't a real budgeting tool.
Mint Alternative
The Mint alternative that respects your privacy.
Mint shut down in 2024 and pushed its users to Credit Karma—an ad-supported product that monetizes financial data instead of budgeting it. Simply Finance is the private, no-account, ad-free alternative: free to use, no bank sync, and your data encrypted on your own device.
- ✓Free to use
- ✓No ads, ever
- ✓No bank sync needed
- ✓End-to-end encrypted
One optional unlock. No subscription, no ads, no data sold.
Why "free" wasn't free
Mint cost nothing because you were the product: ads and credit-card offers paid the bill, and your transactions made the targeting work. Simply Finance can't do that—it can't even read your data.
Mint vs Simply Finance
Mint is gone, and its "replacement" is a credit-marketing product, not a budget. The difference that matters now is whether your money app shows you ads and mines your data—or can't see it at all.
| Simply Finance | Mint | |
|---|---|---|
| Status | Active | Discontinued 2024 |
| Price | Free / $4.99 extras | Free, ad-supported |
| Ads | None | Ad-supported |
| Bank connection | None | Required / third-party |
| Works offline | ||
| No signup | ||
| End-to-end encrypted | ||
| Data stays on device |
Mint was discontinued in 2024 and users were redirected to Credit Karma, which is not a like-for-like budgeting replacement. Details verified 2026 from official sources.
Why ex-Mint users switch to Simply Finance
Most people who land here loved having their budgets in one place—they just don't want the thing Mint became. The recurring reasons we hear:
- Mint is gone. The app they relied on shut down, and Credit Karma doesn't do real budgets.
- The "free" replacement mines your data. An ad-supported product built to market credit cards is not a private place for your finances.
- Bank sync broke. Relinking, duplicates, and miscategorized feeds were a chore in Mint long before it closed.
- Privacy. They would rather their transaction history never sit on someone else's server, readable and monetized.
What is different by design
Simply Finance is deliberately simpler and private. Manual entry is treated as a feature, not a limitation: you log a transaction in under three seconds, and because nothing is imported, there is nothing to reconcile or clean up—and no ad network riding along with the feed.
On top of the basics you get plain-language answers—how long your money would last and where your balance is heading, from your real income and spending—the answers that actually reduce money anxiety, and that an ad-supported dashboard never had a reason to show you.
Who Simply Finance is not for
We would rather you choose the right tool than churn. A bank-syncing app may fit better if:
A bank-syncing app may fit better if…
You must have automatic imports across many accounts, or you need shared household budgeting with separate logins. Simply Finance is single-owner, manual-first, and intentionally lean—it trades automation for privacy and speed.
How to switch in an afternoon
Install and add your accounts
Download free, then add checking, savings, cards, and cash with their current balances. No bank login required.
Set a few category budgets
Start with the three or four categories you actually watched in Mint. Refine later—there is nothing to configure first.
Log spending as it happens
Amount, category, done. Within a week the habit sticks and the app starts answering questions worth asking.
Leave Credit Karma behind
Delete your old Mint export once your balances match, and stop relying on the Credit Karma hand-off. Your data lives on your device now.
FAQ
Do you sell my data?
No—and it goes further than a promise. Mint was free because it was ad-supported and your data fueled credit-product marketing. Simply Finance has no ads and can’t sell what it can’t see: your data is end-to-end encrypted on your device, and the sync relay only ever holds scrambled ciphertext—no readable balances, merchants, or amounts. Nothing to sell, nothing for an employee to peek at, nothing legible to leak.
Is Simply Finance really free?
Yes. The app is free to use; a single optional $4.99 in-app purchase adds sync across your devices and detailed reports. There is no subscription, no renewal, and no ads. Once you unlock it, it is yours on that account forever.
Can I import my Mint data (CSV)?
Simply Finance is built for fresh, deliberate tracking rather than bulk import, but it does support text and CSV import, so if you exported your Mint transactions before it shut down you can bring over balances and history for a head start.
Is this like Mint's budgets?
It is the simple part of Mint you actually used. Simply Finance uses per-category monthly budgets that show spent, remaining, and over at a glance, without the ads, the credit-score upsells, or the cluttered dashboard.
Does it connect to my bank?
No, and that is intentional. There is no Plaid, no bank login, and no aggregator. Mint's broken feeds and duplicate imports were a big reason people gave up on it. You log spending manually in under three seconds instead.
Is my financial data private?
Yes. Your data lives on your device and is end-to-end encrypted before any sync. There is no signup and no account profile. Sync servers only ever see ciphertext they cannot read.
Does it work offline?
Yes. Simply Finance is local-first, so it works fully offline. Sync is optional and only moves encrypted data between your own devices.
Get your budget back—privately
Mint is gone, but budgeting doesn't have to cost your privacy. It is free, ad-free, and your money data stays on your own device. Make the switch today.