Alternatives to MINT.com
Alternatives to MINT.com
what are good alternatives to MINT.com? I have been using MINT.com for a couple of years, however it keeps adding my vanguard account twice and is screwing up my net worth graph.
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Re: Alternatives to MINT.com
I'm a fan of Yodlee, but the old version. 9.X. The new version is terrible IMO.
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Re: Alternatives to MINT.com
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Last edited by MoneyMythsSolved on Thu Dec 04, 2014 3:40 pm, edited 1 time in total.
Re: Alternatives to MINT.com
I use mint and I have gone into the settings and made it such that all of my retirement accounts do not show up on budgets and trends. You can go one step further and just hide those selected accounts 'From Everywhere.' It helped me avoid having redundant transactions and skewing my trends/budgeting. Hope that helps; MINT is the best I've seen around.
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Re: Alternatives to MINT.com
We switched from Mint to You Need A Budget (YNAB) since we wanted something that was a bit more active. We have loved YNAB and think it definitely makes one more intentional. Just my $0.02, YMMV.
"One of the funny things about the stock market is that every time one person buys, another sells, and both think they are astute" - William Feather
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Re: Alternatives to MINT.com
I've been a huge fan of mint.com for years as well and as you alluded to, I've had to give up on its investment and net worth reporting functionality for those same reasons. Deleting and re-adding accounts completely throws off reports to the point that they become useless, so I developed a Google spreadsheet for investment and net worth tracking that fits my needs. Yes, I have to update it manually, but it does what I need it to do and does it flawlessly.rag_g wrote:what are good alternatives to MINT.com? I have been using MINT.com for a couple of years, however it keeps adding my vanguard account twice and is screwing up my net worth graph.
Where Mint really excels, in my opinion, is budgeting. All other functionality is just too buggy for me to consistently count on.
Re: Alternatives to MINT.com
I've switched from Mint to Personal Capital. If you have taxable investments, Personal Capital will try to make sales pitches for their investment "theories" (which aren't terrible, just not necessary of course), but since all I have is 401k's and IRA's so far, they haven't bothered me once.
Re: Alternatives to MINT.com
I use personal capital for my investment portfolio tracking. Beware though, if you have over $100k in your accounts they will try to get you to do a risk free financial analysis to tempt you into having them manage your money. I told them thanks but no thanks as I am happy with running my own low cost portfolio. One feature I like is the weekly email with overall portfolio performance, some bogleheads may not like those frequent of updates.
Edit: There are some good threads on here about personal capital. I remember seeing one about a month ago with the full slideshow they produced for one of the bogleheads...
Edit: There are some good threads on here about personal capital. I remember seeing one about a month ago with the full slideshow they produced for one of the bogleheads...
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Re: Alternatives to MINT.com
I use Yodlee for networth and YNAB for budgeting. I love YNAB, my only regret is that it took me two years to commit to buying/using it.
An elephant for a dime is only a good deal if you need an elephant and have a dime.
Re: Alternatives to MINT.com
I use Mint for budgeting and Personal Capital for all investments.
Re: Alternatives to MINT.com
If you delete the account on mint, all transactions and as a result trend graphs (net worth, etc) are way off. Instead, hide the duplicate account. Usually in a couple of days the duplicate account goes away.MoneyMythsSolved wrote:Anytime I've had a problem with Mint connecting to an account or double posting, I just delete the account entirely, then re-add it. That's solved the problem every time, though your results may be different.
If you still want another alternative, PersonalCapital.com is to investments what Mint.com is to budgeting.
cheers ... -Mark |
"Our life is frittered away with detail. Simplify. Simplify." -Henry David Thoreau |
[VTI, VXUS, BND, VTEB, SV fund]
- bogleblitz
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Re: Alternatives to MINT.com
I use both personalcapital for investments and mint for credit cards/banks/everything else.
Re: Alternatives to MINT.com
Thanks for all your responses. I have already deleted, hid accounts on MINT.com, but it reappeared. I don't like it as it screws up the net worth trend.
I have setup personal capital.
I have setup personal capital.
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Re: Alternatives to MINT.com
How do you (meaning anybody reading this) know you can trust these free services with the user name and passwords to your actual financial custodians? I'm concerned that someone could hack the free services and get my passwords. I realize the services keep passwords in encrypted files, but even encrypted files have been hacked before. I'm just curious how people decide they can trust the security of these services.
Re: Alternatives to MINT.com
Yodlee Moneycenter or Fidelity Fullview if you are customer of Fidelity (based on Yodlee engine too btw)
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Re: Alternatives to MINT.com
I gave up having Quicken, Mint, etc track investments as they always seem to have challenges reconciling with the fund’s records. I do use Mint; however, I use it only for tracking checking, savings, and credit card accounts. This way, I have two stop "shopping.” Mint to keep abreast of spending and Vanguard to track investments. It’s only slightly more work and I’m very satisfied with this setup. If your investments are spread amongst multiple institutions, this may not be viable for you.
Re: Alternatives to MINT.com
That's how I feel. I've been very tempted to try mint but then I think I must be nuts to give one website the passwords to every dollar I own. I don't think I'll ever be comfortable with the idea.terrabiped wrote:How do you (meaning anybody reading this) know you can trust these free services with the user name and passwords to your actual financial custodians? I'm concerned that someone could hack the free services and get my passwords. I realize the services keep passwords in encrypted files, but even encrypted files have been hacked before. I'm just curious how people decide they can trust the security of these services.
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Re: Alternatives to MINT.com
Had a problem with Quicken in terms of admiral share conversions. Designed a simple Excel spreadsheet that really works.jimday1982 wrote:I've been a huge fan of mint.com for years as well and as you alluded to, I've had to give up on its investment and net worth reporting functionality for those same reasons. Deleting and re-adding accounts completely throws off reports to the point that they become useless, so I developed a Google spreadsheet for investment and net worth tracking that fits my needs. Yes, I have to update it manually, but it does what I need it to do and does it flawlessly.rag_g wrote:what are good alternatives to MINT.com? I have been using MINT.com for a couple of years, however it keeps adding my vanguard account twice and is screwing up my net worth graph.
Where Mint really excels, in my opinion, is budgeting. All other functionality is just too buggy for me to consistently count on.
John C. Bogle: “Simplicity is the master key to financial success."
Re: Alternatives to MINT.com
Personal Capital. I long ago gave up on Mint. I also use NetworthIQ, though there really haven't been any enhancements there in a very long time.
Re: Alternatives to MINT.com
We used Quicken for the last fews years. This is the year we would need to repurchase in order for the bank auto update. I really don't like having to purchase the software every fews years. Then our computer crashed (everyone should back up their computers in the next few days if you don't regularly). While looking for the best alternative on here I found YNAB.
We are switching tonight! I think YNAB will be perfect for us and everything that we need. As we use index funds and hold for the long term, we don't really need the investment functionality of Quicken. From what I have read, YNAB is perfect for budgeting and monthly expenses etc, but not really for tracking investments.
We are switching tonight! I think YNAB will be perfect for us and everything that we need. As we use index funds and hold for the long term, we don't really need the investment functionality of Quicken. From what I have read, YNAB is perfect for budgeting and monthly expenses etc, but not really for tracking investments.
The most important work you will ever do will be within the walls of your home.
- bogleblitz
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Re: Alternatives to MINT.com
-- All these services are pretty secure, like bank accounts. I used to be afraid but actually not that afraid anymore.terrabiped wrote:How do you (meaning anybody reading this) know you can trust these free services with the user name and passwords to your actual financial custodians? I'm concerned that someone could hack the free services and get my passwords. I realize the services keep passwords in encrypted files, but even encrypted files have been hacked before. I'm just curious how people decide they can trust the security of these services.
-- If mint.com was hacked, They will make an announcement and we can change passwords to all our bank accounts.
-- If someone did get access to my vanguard or bank account. I think they won't be able to steal any money and transfer it to their own account. There are a few accounts that I don't link to mint.com because it contains alot more money.
--Vangaurd or bank accounts send me email whenever there is any transactions. I setup 2 factor authentication on my gmail so hopefully both my bank accounts and gmail won't be hacked at the same time.
Re: Alternatives to MINT.com
terrabiped wrote:How do you (meaning anybody reading this) know you can trust these free services with the user name and passwords to your actual financial custodians? I'm concerned that someone could hack the free services and get my passwords. I realize the services keep passwords in encrypted files, but even encrypted files have been hacked before. I'm just curious how people decide they can trust the security of these services.
Mint doesn't really save any username or passwords, they just ask you to login once to create a "connection" with your financial institution. If they are ever hacked, sure your financial data could be vulnerable but not your logins. It's in their FAQ.
To the OP, try mint.com support or their forums. Don't give up on it just for a single problem or you would be forever looking for the perfect solution.
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Re: Alternatives to MINT.com
While hearing many good things about the utility of Mint.com, I too haven't signed-up for concern about breaches. Not at all concerned about my "financial data" leaking--if by that is meant what the balances are in my accounts. Very concerned about having account balances drained illicitly--but then I've probably seen this dramatized once too often in action films or on TV.Puzz_1 wrote:terrabiped wrote:How do you (meaning anybody reading this) know you can trust these free services with the user name and passwords to your actual financial custodians? I'm concerned that someone could hack the free services and get my passwords. I realize the services keep passwords in encrypted files, but even encrypted files have been hacked before. I'm just curious how people decide they can trust the security of these services.
Mint doesn't really save any username or passwords, they just ask you to login once to create a "connection" with your financial institution. If they are ever hacked, sure your financial data could be vulnerable but not your logins. It's in their FAQ.
To the OP, try mint.com support or their forums. Don't give up on it just for a single problem or you would be forever looking for the perfect solution.
Would like to hear more about what the Real Potential Risk of using Mint.com might be / more details. Do you mean to say, when you refer to Logins, that no credentials are stored with Mint, whether with password hashing or not?
I will +1 on the thought that I wouldn't be too concerned about Vanguard accounts. Seemed like to took a near Act of Congress to get a house down payment out of my Vanguard Money Market Account. Frustrating then. But comforting in hindsight.
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Re: Alternatives to MINT.com
I used to manage both banking and investment accounts with Mint. However, there were always
a lot of issues with investment accounts (incorrect cost basis, counting unvested ESPP/RSUs, etc).
My net worth was grossly inflated, and it was great showing off to the wife.
I switched to spreadsheets for a while, but it became too cumbersome (401k dollar-cost averaging,
employer matching, etc).
Just last month, I deleted all my investment accounts in Mint and moved them to SigFig and Personal Capital.
Both are easy to use, and do a fairly good job of showing net worth/allocation/holdings. Both handle employee
stock plans well and have mobile apps with pretty graphs.
+1 to SigFig, like their new website design too. So far no promotional calls/emails from them.
I got a few marketing calls/emails from Personal Capital. I spoke to an investment adviser and was
asked how I found them and I replied "Bogleheads.org". No more follow-up calls ever since .
a lot of issues with investment accounts (incorrect cost basis, counting unvested ESPP/RSUs, etc).
My net worth was grossly inflated, and it was great showing off to the wife.
I switched to spreadsheets for a while, but it became too cumbersome (401k dollar-cost averaging,
employer matching, etc).
Just last month, I deleted all my investment accounts in Mint and moved them to SigFig and Personal Capital.
Both are easy to use, and do a fairly good job of showing net worth/allocation/holdings. Both handle employee
stock plans well and have mobile apps with pretty graphs.
+1 to SigFig, like their new website design too. So far no promotional calls/emails from them.
I got a few marketing calls/emails from Personal Capital. I spoke to an investment adviser and was
asked how I found them and I replied "Bogleheads.org". No more follow-up calls ever since .
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Re: Alternatives to MINT.com
How are they able to update the information is this something they set up with the custodians?Puzz_1 wrote:Mint doesn't really save any username or passwords, they just ask you to login once to create a "connection" with your financial institution.
Re: Alternatives to MINT.com
Excel 2013.
Contrary to the belief of many, profit is not a four letter word!
Re: Alternatives to MINT.com
I tried to use Personal Capital to try it out but I can't add Aon Hewitt to it since I have a weird login route through my HR site. I asked for help but they never responded.
I use Mint and my only complaints were regarding investment accounts. I use it for nothing more than just looking at totals so I just hide from budgets and trends and it does fine. I'm mostly interested in it from a cash flow perspective.
I use a self made excel sheet to track my AA over time.
For those that use You Need a Budget...you're really going to have to sell me on that. $60 for a manual budgeting app? I just don't see the value-add over Mint which does the work for you. If you're just looking for an envelope budgeting system for your mobile there are plenty of other ones out there on the cheap. Not to mention that YNAB still uses Drop Box to cloud sync which is buggy most of the time. My wife and I could not get it to work using the Ivelopes app on iOS.
I use Mint and my only complaints were regarding investment accounts. I use it for nothing more than just looking at totals so I just hide from budgets and trends and it does fine. I'm mostly interested in it from a cash flow perspective.
I use a self made excel sheet to track my AA over time.
For those that use You Need a Budget...you're really going to have to sell me on that. $60 for a manual budgeting app? I just don't see the value-add over Mint which does the work for you. If you're just looking for an envelope budgeting system for your mobile there are plenty of other ones out there on the cheap. Not to mention that YNAB still uses Drop Box to cloud sync which is buggy most of the time. My wife and I could not get it to work using the Ivelopes app on iOS.
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Re: Alternatives to MINT.com
After 10 years of Quicken and other personal financial software programs, we finally gave it up 5 years ago and have never gone back. We built a simple spreadsheet that works so much better for us. Over the last 5 years we have saved a lot of money and time from not having to purchase upgrades or enter transactions.
John C. Bogle: “Simplicity is the master key to financial success."
Re: Alternatives to MINT.com
Use Mint for budgets, but it does have problems with investment accounts. It tracks them just fine for me in the overview, but if I click on the investments tab it shows double everything and says my returns are 0%. It also screws up my HSA. It shows the amount in the cash account, but nothing regarding the investment accounts. The Vanguard site actually does the same thing on the overview page but then it corrects it once I go into balance & holdings/portfolio analysis/performance/etc. The Vanguard app on the other hand doesn't have that problem... odd.
So i just use the vanguard site for investments & the HSA. I've plugged in outside accounts and it tracks them just fine minus the slight problem with the HSA.
I also have a google doc spreadsheet, but I only use it for tracking net worth and emergency fund. I go in and update it on the first of every month and it takes 5 minutes so not a lot of work. When I update it I just pull up mint and vanguard and copy all the important information into the spreadsheet. I prefer this because Mint loses old information when you close accounts.... a nightmare if you ever switch banks.
So i just use the vanguard site for investments & the HSA. I've plugged in outside accounts and it tracks them just fine minus the slight problem with the HSA.
I also have a google doc spreadsheet, but I only use it for tracking net worth and emergency fund. I go in and update it on the first of every month and it takes 5 minutes so not a lot of work. When I update it I just pull up mint and vanguard and copy all the important information into the spreadsheet. I prefer this because Mint loses old information when you close accounts.... a nightmare if you ever switch banks.
Mint is free and does all the tracking for you.abuss368 wrote:After 10 years of Quicken and other personal financial software programs, we finally gave it up 5 years ago and have never gone back. We built a simple spreadsheet that works so much better for us. Over the last 5 years we have saved a lot of money and time from not having to purchase upgrades or enter transactions.
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Re: Alternatives to MINT.com
I heard that using MINT (or something comparable) contravenes the TOS to which you agree when signing up for online services. And may impact restitution if somehow your online service was compromised. True or not?
I also wonder what is the advantage over using these services over a simple spreadsheet?
I also wonder what is the advantage over using these services over a simple spreadsheet?
Re: Alternatives to MINT.com
I haven't read the TOS but the banks know Mint is accessing the data. If it was against the TOS I would presume they would block it. Mint is owned by Intuit which is a big player, so again if there was an issue it probably would have been out there already and I haven't seen one.
Second, I guess it is personal preference but why manually input all your transactions into a simple spreadsheet when you can get Mint to do it for you. If I had to manually input everything, it wouldn't get done.
Second, I guess it is personal preference but why manually input all your transactions into a simple spreadsheet when you can get Mint to do it for you. If I had to manually input everything, it wouldn't get done.
Re: Alternatives to MINT.com
It really depends on your use case. I use it to monitor cash flow and monitor all my credit/checking/saving/loan accounts in one place rather than going to each site regularly. It remembers how I categorize things so it makes budgeting for discretionary spending pretty easy since most of mine comes from the bowling alley or eating out.bewildering wrote:I also wonder what is the advantage over using these services over a simple spreadsheet?
When it comes to investments, Mint is pretty poor. It will give you totals and it tries to do things like buys and sells but sometimes it only captures one or the other so I just use the 'Hide from budgets and trends' option for all of my investment accounts (on the site, not app) and it does exactly what I want.
It's not perfect, the connections need to be fixed once in a while but it's a free so I can't complain.
Re: Alternatives to MINT.com
I am surprised by the good comments of Personal Capitol here, I find they have some serious flaws - eg when you have dividend paying funds, the graph selection only goes by the fund price a day and does NOT take into account total value of reinvested money.
Meaning, any divident paying fund will have strange bumps in November time frame and look worse over years thn a non-div paying fund - I reported to PC but saw no action; thats a major flaw to me and makes the thing close to useless for investing purposes
But I have not found anything better either.
Meaning, any divident paying fund will have strange bumps in November time frame and look worse over years thn a non-div paying fund - I reported to PC but saw no action; thats a major flaw to me and makes the thing close to useless for investing purposes
But I have not found anything better either.
Everything you read in this post is my personal opinion. If you disagree with this disclaimer, please un-read the text immediately and destroy any copy or remembrance of it.
Re: Alternatives to MINT.com
I might add that Mint is pretty good with expenses and day to day stuff - invaluable to keep a close eye on your credit cards as well in case you have multiple accounts - I just love the overview function and having everything on one side - makes planning so much easier.
I also find the Vanguard account site quite useful for tracking and graphing assets - obviously only for assets you have with them...
I also find the Vanguard account site quite useful for tracking and graphing assets - obviously only for assets you have with them...
Everything you read in this post is my personal opinion. If you disagree with this disclaimer, please un-read the text immediately and destroy any copy or remembrance of it.
Re: Alternatives to MINT.com
I have been using mint for over 6 years now. I have found it to be probably the best tool to keep track of your budget and day-to-day expenses. I briefly used yodlee but its not on par with mint in terms of features, ease of use (both website and mobile app) and support. I agree with others that its not the ideal tool to keep track of your investments and personal capital might be a good alternativeyou’re your investments’ tracking (just created an account to see how it is and will give it a try for a few months before deciding).
I wish mint would implement 2 factor security. I would like to hear from others about mint experience and their security concerns.
Thanks.
I wish mint would implement 2 factor security. I would like to hear from others about mint experience and their security concerns.
Thanks.
- SmileyFace
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Re: Alternatives to MINT.com
Quicken. I know folks would rather go with a free option and don't like forced upgrades but for as much as I use it I feel it is money well spent.
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Re: Alternatives to MINT.com
I don't and would never use any of them. If you look at your brokerage terms you may not have any recourse if your account is cracked and money is removed from your account. As I understand it, I shouldn't share my password with anyone ... not even my spouse.terrabiped wrote:How do you (meaning anybody reading this) know you can trust these free services with the user name and passwords to your actual financial custodians?
I use StockMarketEye to track my investments and MoneyDance to track my other finances. They both have mac and window versions. They both can handle most data formats that you download from your financial institutions.