MoneyPatrol vs Mint
Last reviewed August 2026 · Competitor details are taken from each company's public pricing and feature pages and may change.
If you are searching for the best Mint alternative in 2026, this page compares MoneyPatrol with Mint feature by feature — budgeting, bill and subscription tracking, credit score monitoring, investments and net worth — and explains what changed after Intuit retired Mint.
Short answer
Intuit shut Mint down and pushed users to Credit Karma, which dropped budgeting entirely. MoneyPatrol is a direct Mint replacement: all your accounts in one place, automatic categorisation, bill and subscription alerts, credit score monitoring and net worth — plus an AI Copilot Mint never had. From $49/year, ad-free.
- Closest Mint alternative for budgets, bills, credit score and net worth in one app
- No ads and no upsells — Mint monetised your data, MoneyPatrol charges a flat $49/year
- AI Copilot answers questions about your real transactions in plain English
- Plaid read-only connections to 15,000+ banks, cards, loans and brokerages
MoneyPatrol vs Mint: feature comparison
| Feature | MoneyPatrol | Mint |
|---|---|---|
| Still available | Discontinued (2024) | |
| Price | $49/year | Free, ad-supported |
| Ads & offer upsells | ||
| Automatic categorisation | ||
| Bill & subscription alerts | Limited | |
| Credit score monitoring | ||
| Investments + net worth | ||
| AI Copilot chat | ||
| Cash flow forecasting |
What happened to Mint?
Intuit announced in late 2023 that Mint would be retired and existing users would be moved to Credit Karma. Mint stopped operating as a budgeting app in early 2024. Credit Karma kept credit score monitoring and account balances, but it did not carry over Mint's budgets, category tracking or spending trends.
That left millions of people looking for a Mint replacement that still does the everyday work: pull in every account, categorise transactions automatically, warn about bills and recurring charges, and keep one running net-worth number.
What MoneyPatrol carries over from Mint — and what it adds
MoneyPatrol covers the Mint core: connected bank, card, loan and investment accounts, automatic categorisation, budgets, bill reminders and a net-worth view. Connections run read-only through Plaid, so your banking credentials are never stored by the app.
- Automatic transaction categorisation with editable rules
- Bill, low-balance and unusual-spend alerts
- Recurring charge and price-hike detection for subscriptions
- Credit score monitoring, like Mint had
- Investments, property and crypto rolled into a daily net-worth figure
- AI Copilot chat and cash-flow forecasting — features Mint never shipped
Free vs paid: why an ad-free app costs money
Mint was free because it was monetised through ads and partner offers for credit cards and loans. MoneyPatrol charges a flat subscription instead — from $49/year, with a 15-day free trial and a one-time lifetime plan — and shows no ads and sells no data.
How to switch from Mint to MoneyPatrol
There is no CSV migration to wrestle with. Create an account, connect each institution through Plaid, and MoneyPatrol imports the transaction history your bank makes available. Then set your budgets and turn on the alerts you care about.
Which one should you choose?
Choose MoneyPatrol if…
You want a like-for-like Mint replacement — budgets, bills, subscriptions, credit score and net worth in one ad-free app — with AI Copilot and forecasting on top.
Choose Mint if…
You only need a free credit-score view and basic balances; Credit Karma, where Mint users were moved, still offers that at no cost without budgeting tools.
Mint is gone, so the real question is what replaces it. MoneyPatrol is the closest match on features, adds automation Mint never had, and costs $49/year instead of showing you loan offers.
Which is the better fit for you? A quick checklist
Tick every statement that describes how you manage money. Each one explains which product it points to and why, so you can read the reasoning even without using the checklist.
Tick the statements that describe you and we will suggest whether MoneyPatrol or Mint is the better fit.
MoneyPatrol 0 · Mint 0
Why people switch to MoneyPatrol
MoneyPatrol is an AI-powered personal finance app that watches your accounts around the clock instead of waiting for you to open a spreadsheet. It links your banks, credit cards, loans, investments and property through read-only Plaid connections, categorises every transaction automatically, and surfaces what actually changed this week.
- AI Copilot you can ask in plain English — “where did my money go last month?”
- Real-time alerts for unusual spend, price hikes, ghost subscriptions and low balances
- Cash-flow forecasting so you see shortfalls before they hit
- Banks, cards, loans, investments, real estate and crypto in one live net-worth figure
- Credit score monitoring included on every plan
- Read-only Plaid connections, bank-level encryption, no ads and no data selling
Plans start at $49/year with a 15-day free trial, and a one-time lifetime option is available. See the full breakdown on pricing or features.
MoneyPatrol vs Mint: frequently asked questions
What is the best Mint alternative in 2026?
MoneyPatrol is the closest like-for-like replacement: it combines budgets, bills, subscription alerts, credit score monitoring and net worth in one app, adds AI Copilot and cash-flow forecasting, and shows no ads.
Why did Mint shut down?
Intuit retired Mint in early 2024 and migrated users to Credit Karma, which does not offer Mint's budgeting and category tracking features.
Is there a free Mint alternative?
Free apps generally monetise through ads or product offers. MoneyPatrol is ad-free at $49/year with a 15-day free trial and a one-time lifetime option.
Can I move my Mint data to MoneyPatrol?
You reconnect your accounts through Plaid at sign-up and MoneyPatrol pulls in your available transaction history automatically — no CSV wrangling required.
Try MoneyPatrol free for 15 days
Connect your accounts in minutes and let the AI Copilot find the leaks — subscriptions you forgot, fees you keep paying and bills that quietly went up. iOS, Android and web.
More comparisons
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