Intuit's Mint App Shutting Down...Replacement Recommendations?

[KarenC]

I'm not sure if this addresses your concerns, but Plaid and MX seem to use OAuth (so maybe they don't store the credentials?):

https://plaid.com/docs/link/oauth/
https://docs.mx.com/products/connectivi ... reference/

The thing about OAuth is both the aggregator AND the financial institution (FI) AND the customer-facing application (Min, YNAB, etc) need to support it.

The links above (thanks for sharing them btw, I hadn't seen them before) describe how Plaid and MX implement OAuth. But if your FI doesn't support it you're still in the old world of the aggregator storing your username and password.

[…]

On the Plaid page I linked it says:

OAuth support is required in all Plaid integrations that connect to financial institutions. Without OAuth support, your end users will not be able to connect accounts from institutions that require OAuth, which includes several of the largest banks in the US. OAuth setup can be skipped only if your Plaid integration is limited to products that do not connect to financial institutions (Enrich, Identity Verification, Monitor, and Document Income).

(I couldn't find anything as definitive on the MX page.)

So, given the above and what you've said, as long as the customer-facing application supports OAuth you're good to go WRT Plaid.

No, that's not correct.

That page you linked is a guide for applications that themselves want to connect to Plaid. It doesn't describe how Plaid itself connects to financial institutions.

What it's saying is that you as a application need to use OAuth to connect yourself to Plaid. This are the key sentences:
"OAuth support is required in all Plaid integrations that connect to financial institutions. Without OAuth support, your end users will not be able to connect accounts from institutions that require OAuth, which includes several of the largest banks in the US."

So if you as an application don't connect to Plaid using OAuth, you can't connect to FIs that themselves require OAuth, and regardless they won't let you connect to financial institutions at all.

Thank you for that information! I found a page on the Plaid website that seems to summarize things nicely; in particular it notes that:

There are many reasons for the non-OAuth connection type to exist, one of which might be because your financial institution is currently in the process of migrating to the OAuth experience.

("OAuth experience" gave me a chuckle.)

https://support-my.plaid.com/hc/en-us/a ... -accounts-

[JohnSlackII]

I'm not sure if this addresses your concerns, but Plaid and MX seem to use OAuth (so maybe they don't store the credentials?):

https://plaid.com/docs/link/oauth/
https://docs.mx.com/products/connectivi ... reference/

The thing about OAuth is both the aggregator AND the financial institution (FI) AND the customer-facing application (Min, YNAB, etc) need to support it.

The links above (thanks for sharing them btw, I hadn't seen them before) describe how Plaid and MX implement OAuth. But if your FI doesn't support it you're still in the old world of the aggregator storing your username and password.

[…]

On the Plaid page I linked it says:

OAuth support is required in all Plaid integrations that connect to financial institutions. Without OAuth support, your end users will not be able to connect accounts from institutions that require OAuth, which includes several of the largest banks in the US. OAuth setup can be skipped only if your Plaid integration is limited to products that do not connect to financial institutions (Enrich, Identity Verification, Monitor, and Document Income).

(I couldn't find anything as definitive on the MX page.)

So, given the above and what you've said, as long as the customer-facing application supports OAuth you're good to go WRT Plaid.

No, that's not correct.

That page you linked is a guide for applications that themselves want to connect to Plaid. It doesn't describe how Plaid itself connects to financial institutions.

What it's saying is that you as a application need to use OAuth to connect yourself to Plaid. This are the key sentences:
"OAuth support is required in all Plaid integrations that connect to financial institutions. Without OAuth support, your end users will not be able to connect accounts from institutions that require OAuth, which includes several of the largest banks in the US."

So if you as an application don't connect to Plaid using OAuth, you can't connect to FIs that themselves require OAuth, and regardless they won't let you connect to financial institutions at all.

Thank you for that information! I found a page on the Plaid website that seems to summarize things nicely; in particular it notes that:

There are many reasons for the non-OAuth connection type to exist, one of which might be because your financial institution is currently in the process of migrating to the OAuth experience.

("OAuth experience" gave me a chuckle.)

https://support-my.plaid.com/hc/en-us/a ... -accounts-

Thanks for sharing!

This makes me laugh: "one of which might be because your financial institution is currently in the process of migrating to the OAuth experience"

What they aren't saying is "another reason is because your financial institution has no idea what OAuth is and can't be arsed to figure it out, and even if they do they certainly aren't going to pay Fiserv extra money for them to turn on their OAuth module."

[tyros]

If you want to own your data and be confident they won't pull a rug from under you, free and open source software is the only way. GnuCash may require some learning, but it's a proper double entry software, been using it for years now and haven't found anything better that would offer all the features I need.

I mostly want something for expense categorization. How is GnuCash at this?

It's great at that. You can create as many expense categories as you want (they're called accounts as GnuCash is using double-entry accounting terms) and it learns when you import so it will automatically assign the account the next time it sees a similar transaction. However, you're most likely not going to get the automated bank import to work (I couldn't), so you'll have to manually export QFX/OFX file from your bank and import into GnuCash. If that's a deal breaker to you, then GnuCash may not be for you.

[SC_LOWCO]

[Thread merged into here --admin LadyGeek]

What other apps are ppl using? I've used Mint as an aggregator and track big picture trends. We have a semi budget put together and are doing everything we need to according to our age and stage in life. I find Mint helpful as monitoring cashflows. I've used Quicken before but I recall it being way too detailed which I don't have time. Some have recommended "personal capital". Interesting to hear how the majority here track finances rather than logging in to 10-15 accounts randomly etc.

[LadyGeek]

Welcome! I moved your thread into the ongoing discussion.

[tj]

[Thread merged into here --admin LadyGeek]

What other apps are ppl using? I've used Mint as an aggregator and track big picture trends. We have a semi budget put together and are doing everything we need to according to our age and stage in life. I find Mint helpful as monitoring cashflows. I've used Quicken before but I recall it being way too detailed which I don't have time. Some have recommended "personal capital". Interesting to hear how the majority here track finances rather than logging in to 10-15 accounts randomly etc.

Fidelity Full View.

https://thefinancebuff.com/fidelity-ful ... folio.html

[JoeNJ28]

Anyone having any luck getting Monarch to import Aon Hewitt 401ks? With mint you had to add a numeric code after the user name so it know which 401k plan you were attaching to, but that code doesnt work with Monarch. Or atleast the format im entering it doesnt.

[MDfan]

[merged into existing topic - moderator prudent]

I have used Mint to track my everyday spending (debit cards, credit cards, etc.) and to be able to track monthly/yearly expenses. Lately, I have run into multiple issues and would like to switch to another app/program. What is the best place for simply tracking everyday expenses and seeing where spending is going? I am not an Excel guy so I'm looking for something else (maybe Quicken?).

[atdharris]

It looks like most of the features are going to just move to CK according to the preview released today. The only thing I don't see is the actual budget, which for me doesn't matter. I just want to still keep track of my spending and categories.

[tj]

It looks like most of the features are going to just move to CK according to the preview released today. The only thing I don't see is the actual budget, which for me doesn't matter. I just want to still keep track of my spending and categories.

Where is the preview? If so - they should have released this preview a long time ago before people started freaking out.

[atdharris]

It looks like most of the features are going to just move to CK according to the preview released today. The only thing I don't see is the actual budget, which for me doesn't matter. I just want to still keep track of my spending and categories.

Where is the preview? If so - they should have released this preview a long time ago before people started freaking out.

It was at the top of my Mint page when I logged in this morning.

https://www.creditkarma.com/lp/mint-to- ... -net-worth

[leland]

Started to play with Fullview as an alternative - failed at the first step of adding accounts w/ Firefox. Fullview helpfully gave me a message that it ran into a problem and a suggestion to check back later and use Chrome. Any other Firefox users out there using this successfully?

For an additional kick in the down belows Firefox was lovely with Mint for quite some time as it leveraged Windows Hello facial recognition for auth (unlike Fidelity). That broke on a new PC and I have no idea how to get it back, which is less of an issue now :sigh:

[liberty53]

Started to play with Fullview as an alternative - failed at the first step of adding accounts w/ Firefox. Fullview helpfully gave me a message that it ran into a problem and a suggestion to check back later and use Chrome. Any other Firefox users out there using this successfully?

For an additional kick in the down belows Firefox was lovely with Mint for quite some time as it leveraged Windows Hello facial recognition for auth (unlike Fidelity). That broke on a new PC and I have no idea how to get it back, which is less of an issue now :sigh:

One thing to keep in mind with Fullview from Fidelity is that all the Fidelity "advisors" and presumably other Fidelity sales type people have access to your data. I found this out when I went in for a consultation and they brought up my Fullview data. There might be a way to limit access, but I haven't looked into it yet.

[leland]

Started to play with Fullview as an alternative - failed at the first step of adding accounts w/ Firefox. Fullview helpfully gave me a message that it ran into a problem and a suggestion to check back later and use Chrome. Any other Firefox users out there using this successfully?

For an additional kick in the down belows Firefox was lovely with Mint for quite some time as it leveraged Windows Hello facial recognition for auth (unlike Fidelity). That broke on a new PC and I have no idea how to get it back, which is less of an issue now :sigh:

One thing to keep in mind with Fullview from Fidelity is that all the Fidelity "advisors" and presumably other Fidelity sales type people have access to your data. I found this out when I went in for a consultation and they brought up my Fullview data. There might be a way to limit access, but I haven't looked into it yet.

That was one of the FUD reasons I didn't use it previously. Not that I knew that for a fact, but good to have the confirmation now. I still may not care enough to limit that, although if they can see my duty free transactions and budget that I characterize as scotch that may not be data I wish to have in the open Maybe a few people can ask and poke at that aspect on the Fidelity subreddit - that seems pretty well-monitored.

[slalom]

I’ll probably try a trial of Monarch to see if it can connect everything but the cost really threw me.. $99/year is pretty hard to swallow coming from Free (Mint). 50% off the first year i might at least end up doing year 1.

[leland]

Responding to the privacy pieces above on fullview there is a privacy setting that may / should limit what an advisor can see. Look to the lowest of the menu bars of the emoney menu, it's the lower of the two "settings" options within emoney.

Privacy Settings
This page allows you to manage your privacy settings. Use the controls below to determine how much access each individual has to your financial information.

Spending Permissions
None | Cannot view any spending data.
Limited | Can view category spending and budgets.
Full | Can view all data, including transactions.

Screenshots are annoying here, but hopefully the text does the trick.

[tj]

Responding to the privacy pieces above on fullview there is a privacy setting that may / should limit what an advisor can see. Look to the lowest of the menu bars of the emoney menu, it's the lower of the two "settings" options within emoney.

Privacy Settings
This page allows you to manage your privacy settings. Use the controls below to determine how much access each individual has to your financial information.

Spending Permissions
None | Cannot view any spending data.
Limited | Can view category spending and budgets.
Full | Can view all data, including transactions.

Screenshots are annoying here, but hopefully the text does the trick.

It sounds like you can only limit them seeing your spending - but not your assets. I don't care. If Fidelity wants to give me big bucks to move my assets to them, have at it.

[uaeebs86]

Started to play with Fullview as an alternative - failed at the first step of adding accounts w/ Firefox. Fullview helpfully gave me a message that it ran into a problem and a suggestion to check back later and use Chrome. Any other Firefox users out there using this successfully?

For an additional kick in the down belows Firefox was lovely with Mint for quite some time as it leveraged Windows Hello facial recognition for auth (unlike Fidelity). That broke on a new PC and I have no idea how to get it back, which is less of an issue now :sigh:

I use Firefox with Full View. There are some quirks when I click into a Budget item and want to go back, but haven't seen any other issues.

[rolandtorres]

Sounds like we aren't far from banks being forced to share customer data in a more reliable way than however Plaid, Yodlee may be forced to do today, thanks to the CFPB. The landscape for Mint successors could change dramatically when this kicks in

https://www.consumerfinance.gov/about-u ... n-banking/

[JohnSlackII]

Sounds like we aren't far from banks being forced to share customer data in a more reliable way than however Plaid, Yodlee may be forced to do today, thanks to the CFPB. The landscape for Mint successors could change dramatically when this kicks in

https://www.consumerfinance.gov/about-u ... n-banking/

Here's to hoping this goes through! This is something that everyone here on this thread should support. If it goes through connections between our finance tools and our banks should be MUCH more secure, and more reliable too.

[FrugalProfessor]

An interesting article in the WSJ this morning (paywall, of course) on the topic: https://www.wsj.com/personal-finance/th ... t-24558f8c. Talks about a few replacement options (YNAB, Fidelity Full View, etc). A few memorable quotes from the article, but the comment section is pretty entertaining too.

There is a hard truth about the business of personal finance: It’s pretty tough to make money helping people spend less money.

“Nobody wants to track an expense item for expense item tracking,” she said.

An app that scolds you to keep your wallet in your pants is never going to be as exciting as trading stocks, buying concert tickets or scrolling social media, said Patzer, Mint’s founder.

“It’s not the dopamine hit of Instagram and YouTube. It’s adult stuff. It’s responsibility.”

[JohnSlackII]

I’ll probably try a trial of Monarch to see if it can connect everything but the cost really threw me.. $99/year is pretty hard to swallow coming from Free (Mint). 50% off the first year i might at least end up doing year 1.

It’s $8.25 a month. For people that need it they’ll almost certainly save 10x that, 100x that, or more.

But if you don’t need it then it’s just overhead. And I get that even if you need it can be a hard pill to swallow.

If you need it, my advice is just bite the bullet. If you don’t, why bother.

[JohnSlackII]

An interesting article in the WSJ this morning (paywall, of course) on the topic: https://www.wsj.com/personal-finance/th ... t-24558f8c. Talks about a few replacement options (YNAB, Fidelity Full View, etc). A few memorable quotes from the article, but the comment section is pretty entertaining too.

There is a hard truth about the business of personal finance: It’s pretty tough to make money helping people spend less money.

“Nobody wants to track an expense item for expense item tracking,” she said.

An app that scolds you to keep your wallet in your pants is never going to be as exciting as trading stocks, buying concert tickets or scrolling social media, said Patzer, Mint’s founder.

“It’s not the dopamine hit of Instagram and YouTube. It’s adult stuff. It’s responsibility.”

Sure, it’s boring adult stuff that isn’t as sexy as Instagram.

But there’s plenty of profitable boring businesses that sell things that people want. And YNAB is proof you can build a thriving, successful business in this space.

Kind of weird take. It seems more like Mint went to market with a business model that ultimately proved unsuccessful. Doesn’t mean everyone is doomed to fail.

[jpelder]

This just in: If you're interested in trying Monarch Money as a Mint successor, they're running a month free trial and 50% off your first year. The code is Mint50 (not a personal referral link).

I was already in a monthlong free trial, and the promo code worked for me.

[oko]

I’ll probably try a trial of Monarch to see if it can connect everything but the cost really threw me.. $99/year is pretty hard to swallow coming from Free (Mint). 50% off the first year i might at least end up doing year 1.

It’s $8.25 a month. For people that need it they’ll almost certainly save 10x that, 100x that, or more.

But if you don’t need it then it’s just overhead. And I get that even if you need it can be a hard pill to swallow.

If you need it, my advice is just bite the bullet. If you don’t, why bother.

Like every other service, it is unlikely to stay at $8.25/month. I don't want to deal with the frustration of price increases every now and then and trying to find alternatives when it becomes $10/month, $12/month etc.

Look at Ebay. Their seller fees are increased frequently and are now around 15%, right? I wonder what they will do when they hit 100%, probably 40 years from now .

[oko]

I found Empower's (free) investment tracking much better than Mint's. So I will probably stay with them even after Mint is closed. I can mark Fidelity's checking account as "closed" so it won't be considered part of my portfolio.

What I am planning to do is:
1-Track investment accounts with Empower.
2-Track checking/saving and credit card accounts with Credit Carma (if good enough as Mint)

Two reasons for #2:
1-Fidelity's checking account is counted as investment account by Empower.
2-Empower (along with Fidelity and BoA mint alternatives) use the Evestnet (old Yodlee) infrastructure, which forces me to authenticate certain accounts by text message every day (like Bask Bank). This was the reason I left Yodlee in 2016.

[Uncle Morris]

Mint was a goofy product in some ways (it stopped remembering transaction rules a year or two ago), but it didn't mind connecting with all the accounts that I wanted it to.

I have to say that a product with 25 million users, if memory serves from somewhere up-thread, that can't figure out a way to make a little money is rather amazing.

[Radman]

I’m surprised they didn’t attempt a forced paid version of mint with the number of users they have. I’m still hoping they reverse the decision but it seems like they are committed.

Reading their release on the features transferring to credit karma I believe they said you can only transfer 3 years of transactions. Also, it said you couldn’t add manual accounts which I have to do for my mortgage and my cash balance pension. If so, it will function worse than Mint even for simple aggregation of my entire financial picture.

I am trying both Monarch Money and Empower, both have had more difficulty with certain accounts than Mint. Monarch will connect to a Fidelity Netbenefits account but shows the wrong balance which is pretty frustrating. My initial reach out to their customer service wasn’t super helpful. Also, Monarch wouldn’t connect with my 529 accounts using the aggregator username and password, but would with my actual. Monarch definitely has a more robust budgeting function.

Empower on the other hand will only connect with one of my 529 accounts, their system has some error when trying to connect the other. They also can’t connect to PenFed. Empower is more accurate than mint with some things. Empower recognized that my wife and I’s shared brokerage account at Vanguard (accessible by separate logins) is indeed only one account. Both Mint and Monarch I have to mark it as a duplicate and hide it. Also for our Costco card it recognizes that it’s one card not two (Costco gives a whole separate number to authorized users).

I think both Empower and Monarch are okay, I had higher hopes for Monarch given that it’s a paid product. Not sure if I’ll go past the 30 day free trial.

[Samosa22]

Just a few days ago I signed up for Simplifi (by Quicken). Its ok, automatic connections to banks and CC are good.
Compared to Mint, the biggest thing Simplifi is lacking (or at least I can't find) is that it doesn't connect with most State offered 529 accounts via "third party aggregator" sharing. I had connected the following with Mint, but cannot connect them with Simplifi.

- CA's Scholarshare
- Michigan's MESP
- Oklahoma 529
- Wisconsin's EDVEST

There was an option "Send a request to Simplifi", a few days ago I submitted request to add the above accounts, haven't received any response yet.

[JohnSlackII]

I’ll probably try a trial of Monarch to see if it can connect everything but the cost really threw me.. $99/year is pretty hard to swallow coming from Free (Mint). 50% off the first year i might at least end up doing year 1.

It’s $8.25 a month. For people that need it they’ll almost certainly save 10x that, 100x that, or more.

But if you don’t need it then it’s just overhead. And I get that even if you need it can be a hard pill to swallow.

If you need it, my advice is just bite the bullet. If you don’t, why bother.

Like every other service, it is unlikely to stay at $8.25/month. I don't want to deal with the frustration of price increases every now and then and trying to find alternatives when it becomes $10/month, $12/month etc.

Sure. You can say the same thing about anything you pay for regularly. Water bill, heating bill are ultimately services. You’re not gonna shut off the electricity because your electric rate goes up, I hope?

But even things like food and groceries. You’re not gonna stop eating because food keeps increasing in price. At least I hope not!

If you don’t want to deal with the frustration of price increases you’re gonna be frustrated until you move somewhere with a deflationary monetary policy, if you can find one.

[Zetorman]

Just a few days ago I signed up for Simplifi (by Quicken). Its ok, automatic connections to banks and CC are good.
Compared to Mint, the biggest thing Simplifi is lacking (or at least I can't find) is that it doesn't connect with most State offered 529 accounts via "third party aggregator" sharing. I had connected the following with Mint, but cannot connect them with Simplifi.

- CA's Scholarshare
- Michigan's MESP
- Oklahoma 529
- Wisconsin's EDVEST

There was an option "Send a request to Simplifi", a few days ago I submitted request to add the above accounts, haven't received any response yet.

Been with Simplifi for a week or so now and my biggest problem is "pending" transactions clearing. I'm certainly aware of the usual lag, but yesterday I had to manually delete 7 "pending" transactions that had already cleared and posted the to main register. Mint would sometimes lag a bit as well, so I'm giving this thing another month. Overall, Simplifi seems to have what I need which is very little beyond aggregating transactions and reporting those categorized numbers. As of right now, I'm running Mint, Simplifi, and Fullview. Fullview is still in the process of rolling out their new version so it's hard to compare to either Mint or Simplifi.

[pizzy]

Just a few days ago I signed up for Simplifi (by Quicken). Its ok, automatic connections to banks and CC are good.
Compared to Mint, the biggest thing Simplifi is lacking (or at least I can't find) is that it doesn't connect with most State offered 529 accounts via "third party aggregator" sharing. I had connected the following with Mint, but cannot connect them with Simplifi.

- CA's Scholarshare
- Michigan's MESP
- Oklahoma 529
- Wisconsin's EDVEST

There was an option "Send a request to Simplifi", a few days ago I submitted request to add the above accounts, haven't received any response yet.

Why do you have such a diversified collection of state sponsored 529 plans?

[czaj]

I’ll probably just try the Credit Karma transition. I assume it’ll be similar enough to Mint. I just want to see transactions and current balances in one place. I have a lot of accounts so only need it for any transactions that slip through the cracks.

I have my own financial spreadsheet that has all of my historical data for net worth and any real financial planning.

[thedaybeforetoday]

Using Honeydue for a couple days.
Can’t figure out how to connect to Venmo, but other than that it’s quite good so far

[heywhoathere]

Has anyone been migrated to Credit Karma yet? If you have, how is it?

I don't necessarily need budgeting features as long as I can categorize transactions and see overall spending per category, so maybe Credit Karma will be good enough for that.

[yolointopants]

I use Simplifi by quicken, but it’s not free. On sale for $2.39/mo.
I heard a financial podcaster recommend monarch money, but not free, no personal experience. More expensive than Simplifi at $100/yr. But a no go for me if it doesn’t do Fido.

Tried Monarch. Doesn't seem to use Plaid to connect external accounts and my bank wasn't supported either. Cancelled the next day. Bummer too because it looks like a good product.

[DiamondBuck]

My current plan is to have Fidelity Full view track expenses so that I can do a deep dive when needed.

My month to month approach is to limit spending to half my paycheck and track cash flow on all accounts.

[tj]

I use Simplifi by quicken, but it’s not free. On sale for $2.39/mo.
I heard a financial podcaster recommend monarch money, but not free, no personal experience. More expensive than Simplifi at $100/yr. But a no go for me if it doesn’t do Fido.

Tried Monarch. Doesn't seem to use Plaid to connect external accounts and my bank wasn't supported either. Cancelled the next day. Bummer too because it looks like a good product.

It actually does use Plaid. Typically you can choose from Plaid, Finicity and one other.

[yolointopants]

I use Simplifi by quicken, but it’s not free. On sale for $2.39/mo.
I heard a financial podcaster recommend monarch money, but not free, no personal experience. More expensive than Simplifi at $100/yr. But a no go for me if it doesn’t do Fido.

Tried Monarch. Doesn't seem to use Plaid to connect external accounts and my bank wasn't supported either. Cancelled the next day. Bummer too because it looks like a good product.

It actually does use Plaid. Typically you can choose from Plaid, Finicity and one other.

Ok that's odd. I never saw any option to connect with that. Just didn't see my bank listed, but every time I've seen Plaid used my bank worked. I wonder if I did something wrong.

[leland]

My current plan is to have Fidelity Full view track expenses so that I can do a deep dive when needed.

My month to month approach is to limit spending to half my paycheck and track cash flow on all accounts.

My "migration" plan is hoping CK isn't half bad plus getting Full View running - likely will use both side-by-side, and to download my full transaction history in case I change my mind. Three years of history is weak for an in-house migration. For FV am hoping the upgrade brings it into the modern age. The category matching for Full View is off on a whole lot of transactions, and not to mention the website is from the dark ages. I'd really love a mobile experience as updating categories is a nice thing to be able to do more often.

I don't really use the Mint budgeting too much, but I do like it on a soft basis to point out possible issues such as unusual spending in a category, cash flow and ensuring I have money in checking to pay the credit card bills.

[DiamondBuck]

My current plan is to have Fidelity Full view track expenses so that I can do a deep dive when needed.

My month to month approach is to limit spending to half my paycheck and track cash flow on all accounts.

My "migration" plan is hoping CK isn't half bad plus getting Full View running - likely will use both side-by-side, and to download my full transaction history in case I change my mind. Three years of history is weak for an in-house migration. For FV am hoping the upgrade brings it into the modern age. The category matching for Full View is off on a whole lot of transactions, and not to mention the website is from the dark ages. I'd really love a mobile experience as updating categories is a nice thing to be able to do more often.

I don't really use the Mint budgeting too much, but I do like it on a soft basis to point out possible issues such as unusual spending in a category, cash flow and ensuring I have money in checking to pay the credit card bills.

We are in pretty similar pages overall. FV is a pretty weak offering. That said, there is a banner when I log into FV that says it will be updated soon. I’m hopeful that it will materially improve.

As I have more money in my account, I get more worried about my accounts being compromised via a breach. I changed my username and password after deleting my third party budget apps. Not sure what the real risk is, but it does feel safer not linking to a third party app.

[Uncle Morris]

If I understand correctly, Full View* is offered by Fidelity but is actually a third-party product. If that's correct, does Fidelity stand behind the security of that product? On the one hand, it's accessed through the Fidelity login. On the other, you have to give it the logins to the outside accounts.

* Re the name, I'm reminded of one of the Le Carre novels, where a very similar phrase was used.

[tj]

If I understand correctly, Full View* is offered by Fidelity but is actually a third-party product. If that's correct, does Fidelity stand behind the security of that product? On the one hand, it's accessed through the Fidelity login. On the other, you have to give it the logins to the outside accounts.

* Re the name, I'm reminded of one of the Le Carre novels, where a very similar phrase was used.

It's not a third party product. Fidelity owns the software.

[pizzy]

If I understand correctly, Full View* is offered by Fidelity but is actually a third-party product. If that's correct, does Fidelity stand behind the security of that product? On the one hand, it's accessed through the Fidelity login. On the other, you have to give it the logins to the outside accounts.

* Re the name, I'm reminded of one of the Le Carre novels, where a very similar phrase was used.

It's not a third party product. Fidelity owns the software.

Yes, eMoney is a Fidelity subsidiary.

[lazydavid]

I had been using Mint less and less as it had more and more trouble with fetching and storing transactions. When I did the conversion to Monarch, I found there were only a handful of accounts that had any transactions more than 30 days old, despite allegedly having almost 4200 days of overall history for my Mint account. Oddly enough, most of these same accounts already had 2 years of history in Monarch from the initial sync.

So far the only thing that isn't working well in Monarch is there's no data for my Mortgage. it's aware of the account, but the balance is $0.00 (don't I wish) and there is no transaction history. I'll contact support at some point to try and get that resolved. Everything else seems good so far.

I've also been using Empower/Personal Capital for years, just for investment accounts, and I've added my bank/CC accounts to it now also.

Happy enough between those two that I put in a request to delete my Mint account this morning.

[watchnerd]

I'm just going to wait and see how many of the features get ported to Credit Karma.

[oko]

I’ll probably try a trial of Monarch to see if it can connect everything but the cost really threw me.. $99/year is pretty hard to swallow coming from Free (Mint). 50% off the first year i might at least end up doing year 1.

It’s $8.25 a month. For people that need it they’ll almost certainly save 10x that, 100x that, or more.

But if you don’t need it then it’s just overhead. And I get that even if you need it can be a hard pill to swallow.

If you need it, my advice is just bite the bullet. If you don’t, why bother.

Like every other service, it is unlikely to stay at $8.25/month. I don't want to deal with the frustration of price increases every now and then and trying to find alternatives when it becomes $10/month, $12/month etc.

Sure. You can say the same thing about anything you pay for regularly. Water bill, heating bill are ultimately services. You’re not gonna shut off the electricity because your electric rate goes up, I hope?

But even things like food and groceries. You’re not gonna stop eating because food keeps increasing in price. At least I hope not!

If you don’t want to deal with the frustration of price increases you’re gonna be frustrated until you move somewhere with a deflationary monetary policy, if you can find one.

I will respectfully disagree with you. If Bing or yahoo search starts charging you $8.25/month, will you go with them? Most likely not, since you have free alternative (Google search as one example). Monarch has many free alternatives, and if you look at the posts above, or with a simple Google search, you'll see Monarch have its own issues also, just like the free alternatives.

If you had 5 electric providers, 4 of them "totally free electricity", while the other one not only charges $200/month, but have yearly increases, which one would you choose?

I was a very happy Lastpass customer, paying $12/year. The day they increased it to $24, I canceled the paid service. After that, they lost customer data multiple times and I am very glad I left them. Now I am very happy with free Chrome password service, which has Google behind it, totally free, with much more security than Lastpass.

[Thranduil]

[Thread merged into here --admin LadyGeek]

What other apps are ppl using? I've used Mint as an aggregator and track big picture trends. We have a semi budget put together and are doing everything we need to according to our age and stage in life. I find Mint helpful as monitoring cashflows. I've used Quicken before but I recall it being way too detailed which I don't have time. Some have recommended "personal capital". Interesting to hear how the majority here track finances rather than logging in to 10-15 accounts randomly etc.

Fidelity Full View.

https://thefinancebuff.com/fidelity-ful ... folio.html

My only beef with Full View is the lack of spousal features -- there is no way for my wife to have an identical view to what I see, without re-doing everything on her account. So, for example, if I add a real estate asset to my account on Full View, it does not automatically appear on her account on Full View. I have to go in and separately add it to her account. Not a huge deal for one or two items, but it gets complicated because things like budget amounts likewise have to be separately added.

So far, Monarch is the most "spouse friendly" app of those discussed in this thread, like Mint was. My wife has a separate Monarch login, and it shows her exactly what I see. Promotes spousal confidence in our financial management, if you get my drift.....which is easily worth the Monarch fee vs. free Full View.

[vrr106]

Just a few days ago I signed up for Simplifi (by Quicken). Its ok, automatic connections to banks and CC are good.
Compared to Mint, the biggest thing Simplifi is lacking (or at least I can't find) is that it doesn't connect with most State offered 529 accounts via "third party aggregator" sharing. I had connected the following with Mint, but cannot connect them with Simplifi.

- CA's Scholarshare
- Michigan's MESP
- Oklahoma 529
- Wisconsin's EDVEST

There was an option "Send a request to Simplifi", a few days ago I submitted request to add the above accounts, haven't received any response yet.

Been with Simplifi for a week or so now and my biggest problem is "pending" transactions clearing. I'm certainly aware of the usual lag, but yesterday I had to manually delete 7 "pending" transactions that had already cleared and posted the to main register. Mint would sometimes lag a bit as well, so I'm giving this thing another month. Overall, Simplifi seems to have what I need which is very little beyond aggregating transactions and reporting those categorized numbers. As of right now, I'm running Mint, Simplifi, and Fullview. Fullview is still in the process of rolling out their new version so it's hard to compare to either Mint or Simplifi.

I am really liking Simplifi, and while Monarch may be better, I don't think it's 3x as good (while it costs 3x). For the "pending" trxs - I believe they go away after a few days. I haven't paid close attention to them, but I do remember seeing pending trxs that were double counted in the main register. I didn't bother since they were small, but this week they're not showing pending anymore

[gdwoods]

FYI, Tiller is offering webinars for former Mint users:

https://www.tillerhq.com/welcome-to-til ... ar-with-qa