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Mint.com is going away. Are there any alternatives that are as automatic and simple?
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this post was submitted on 02 Nov 2023
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For me, the killer feature of Mint is that it connected to my accounts and aggregated all my transactions automatically. I cannot and will not input transaction data manually, so things like YNAB are absolutely useless to me.
I've never heard of any other app, free or paid, that can do what Mint can do.
It looks like ynab does do this now. I remember when it was just software on your computer, but it's a full cloud app now (complete with $15/month price tag).
I'm on the hunt for a new solution, too. I may try it.
YNAB pulls in most transactions programmatically if you connect accounts. Some accounts don’t sync (eg Apple) and other accounts will only do an initial sync (most 401ks and loan accounts). I think the sync restrictions are a factor of the accounts themselves and not YNAB; I’d love to know if I’m wrong there.
YNAB does not categorize things for you. It’s a different approach where you define money buckets, assign funds to the buckets, and categorize transactions into those buckets. I moved over when Mint got acquired because fuck Intuit and I haven’t really put a ton of time into trying to understand the different paradigm, so I’m not sure I’m explaining it properly. I didn’t use YNAB before because the paradigm isn’t how I’m used to thinking about my spend.
Don’t start the trial unless you’ve got time to think about setting up your buckets and spending targets. Or, if you just want to test the import because you’ll make time later to set it up, it’s probably worth the trial. There is a “family” plan that allows an account owner to share things; I think that’s worth it if you’ve got some people you share financial info with who also budget and you want to keep costs down.