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

[cascadian]

Intuit is closing personal finance app Mint at the end of 2023 - https://mint.intuit.com/blog/mint-app-n ... s-minters/.

Primarily used Mint to track my financial accounts & private assets, along with personal finance budgeting & spending analysis. Would greatly appreciate this group's input on recommendations for similar free/paid personal finance apps.

[Drew31]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

To each their own, but life for me got easier, not harder, once I built my own spreadsheets and left Quicken, YNAB, others behind.

[toddthebod]

Intuit is closing personal finance app Mint at the end of 2023 - https://mint.intuit.com/blog/mint-app-n ... s-minters/.

Primarily used Mint to track my financial accounts & private assets, along with personal finance budgeting & spending analysis. Would greatly appreciate this group's input on recommendations for similar free/paid personal finance apps.

If you trust your data to Mint, what issue do you have with migrating to Credit Karma which is what they are asking you to do? It sounds like they are just consolidating into a single personal finance app.
https://mint.intuit.com/blog/mint-app-n ... s-minters/

[Tom_T]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

To each their own, but life for me got easier, not harder, once I built my own spreadsheets and left Quicken, YNAB, others behind.

My daughter, 22, uses Mint to track her spending. She's not going to use spreadsheets, nor is anyone else her age. That's dinosaur talk in their eyes. (P.S. I love spreadsheets but I'm way older than she is.)

[JoeNJ28]

It’s more the credit kara app is lacking compared to mint.

[toddthebod]

It’s more the credit kara app is lacking compared to mint.

Maybe that's changing?

https://support.creditkarma.com/s/artic ... edit-Karma

Your favorite Mint features are moving to Credit Karma:

Continue to see your financial accounts in one place
Continue to view your transactions
Continue to track your spending
Continue to view your cash flow
Continue to track your net worth trend over time

[dual_citizen]

Every Dollar

[pizzy]

Why are people looking for alternatives before they use the migrated software?

Mint and Credit Karma are the same company.

[Tom_T]

It’s more the credit kara app is lacking compared to mint.

Maybe that's changing?

https://support.creditkarma.com/s/artic ... edit-Karma

Your favorite Mint features are moving to Credit Karma:

Continue to see your financial accounts in one place
Continue to view your transactions
Continue to track your spending
Continue to view your cash flow
Continue to track your net worth trend over time

Not excited by what I am reading:

While the new experience in Credit Karma does not offer the ability to set monthly and category budgets, it offers a simplified way for you to build awareness of your spending, and track your savings so you can feel more confident you're on the right path towards financial progress.

To save members time, Credit Karma pre-populates credit cards with the balances reported by those financial institutions on your credit report. Once in Credit Karma, you can match your connected financial account(s) to the account(s) on your credit report and you'll start seeing your latest reported balances.

This app seems like a giant FAIL waiting to happen.

[linuxizer]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

Yes but then you don’t get auto-updates.

I’ve been using Tiller for the past year and it’s pretty great. Comes with templates but it’s in a spreadsheet so you can add in categories and customize.

For instance, I have a PivotTable which pulls all work related expenses in and then compares them to reimbursements to make sure everything got submitted.

I’m convinced this approach is the best of both works for those not afraid to mess with a spreadsheet.

[pizzy]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

Yes but then you don’t get auto-updates.

I’ve been using Tiller for the past year and it’s pretty great. Comes with templates but it’s in a spreadsheet so you can add in categories and customize.

For instance, I have a PivotTable which pulls all work related expenses in and then compares them to reimbursements to make sure everything got submitted.

I’m convinced this approach is the best of both works for those not afraid to mess with a spreadsheet.

Any aggregation issues with Tiller?

[Lastrun]

I don’t use Mint, but my daughter does. I agree with the posters to take a wait and see approach and I have not seen it posted yet but Intuit also owns Turbotax which I suspect a fair amount of BH’s use for tax prep.

So the devil in the details is how they implement things and how much they pester you with marketing. Mint was always a “you are the product” solution. I suspect if they go to far on ads and creepy emails or texts related to personal transaction, one could move to Tiller or Simplifi as solutions.

[JohnSlackII]

Wow, this is big news. Mint has been around for almost 20 years. I can't believe they're retiring the brand... I feel like Mint is much better known than Credit Karma. Maybe I'm wrong.

From that blog post it doesn't sound like it will be a seamless transition for customers. If I was Intuit I'd make it as painless as possible for users to move to Credit Karma. But if there isn't 1-1 feature parity between Mint and CK that's probably difficult. It's not clear from the blog post how this is supposed to work.

A baffling decision for Intuit plus questionable execution. Not a good look.
 
I bet other apps in the space are seeing a flood of new users this week.

[David_w]

I use empower but I don't do budgeting so not sure if it does that.
Also checkout New Retirement & Tiller

[toddthebod]

It’s more the credit kara app is lacking compared to mint.

Maybe that's changing?

https://support.creditkarma.com/s/artic ... edit-Karma

Your favorite Mint features are moving to Credit Karma:

Continue to see your financial accounts in one place
Continue to view your transactions
Continue to track your spending
Continue to view your cash flow
Continue to track your net worth trend over time

Not excited by what I am reading:

While the new experience in Credit Karma does not offer the ability to set monthly and category budgets, it offers a simplified way for you to build awareness of your spending, and track your savings so you can feel more confident you're on the right path towards financial progress.

To save members time, Credit Karma pre-populates credit cards with the balances reported by those financial institutions on your credit report. Once in Credit Karma, you can match your connected financial account(s) to the account(s) on your credit report and you'll start seeing your latest reported balances.

This app seems like a giant FAIL waiting to happen.

I don't use Mint's budget feature, and the second just sounds like they will use the credit report data until you connect the account, which sounds dumb but shouldn't matter. I am not optimistic, but I don't see why a long-term Mint user wouldn't give the new app a try before starting from scratch somewhere else.

[Tom_T]

Another app I'll ask my daughter to take a look at is Pocketguard. It seems like a basic track-your-spending app, which is all she is looking for.

[vnatale]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

To each their own, but life for me got easier, not harder, once I built my own spreadsheets and left Quicken, YNAB, others behind.

For me, in life, if anything has two columns and two rows it is a spreadsheet. Thus, of course, used them to keep track of personal finance items.

However, once I started using Quicken ceased using many of those spreadsheets. Quicken does things that would either be quite difficult to do via spreadsheets or take way too much time to create.

As with any software ... the choice of which one to use requires using judgement.

Now I use Excel to export reports from Quicken to Excel and to do further analysis on those reports.

[vnatale]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

To each their own, but life for me got easier, not harder, once I built my own spreadsheets and left Quicken, YNAB, others behind.

My daughter, 22, uses Mint to track her spending. She's not going to use spreadsheets, nor is anyone else her age. That's dinosaur talk in their eyes. (P.S. I love spreadsheets but I'm way older than she is.)

You meant for this particular purpose? Or, any purpose?

[vnatale]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

Yes but then you don’t get auto-updates.

I’ve been using Tiller for the past year and it’s pretty great. Comes with templates but it’s in a spreadsheet so you can add in categories and customize.

For instance, I have a PivotTable which pulls all work related expenses in and then compares them to reimbursements to make sure everything got submitted.

I’m convinced this approach is the best of both works for those not afraid to mess with a spreadsheet.

I am a near 40 year user of spreadsheet. Extensively. Every day of the year. But have never used a PivotTable. How often do you use one? For what purposes?

[countdrak]

https://www.monarchmoney.com/blog/mint-shutting-down

Anyone tried Monarch?

[JoeNJ28]

Someone who works for monarch posted in this thread but it’s gone now guess someone reported it. If that person could shoot me a PM it would be cool, have a few questions.

[junior]

I've been using Mint since 2009.

The Mint mobile apps have always been missing some basic features that the older web version had, so I'm not exactly confident that Intuit will be transitioning Mint users to a product that works as well as the product they purchased from the original Mint owners.

I just made a 30 day trial account with Monarch, a Mint alternative/ clone that costs 100 dollars a year, and, unfortunately, it seems Fidelity has chosen to not allow access by Plaid, which I think is the biggest aggregator that Mint alternatives use behind the scenes. Monarch has alternate aggregators, but it seems the one they are using that works with Fidelity doesn't work all that well as it isn't showing my individual transactions, just the account totals and what investments I have, which isn't good enough as I'm using Fidelity as a bank account with their cash management product so I need to see the bill payments coming out of the cash management account. (I'll update if it starts showing transactions later in the week. EDIT; Manually changing the account to "cash management" an waiting 24 hours seems to have cleared up the issue )

At any rate I made the account so I'll try it for 30 days, the 30 day trial link is on their reddit.

[mhalley]

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.

[iljets10]

Why are people looking for alternatives before they use the migrated software?

Mint and Credit Karma are the same company.

I just tried my Intuit user name and password that I have used for Mint and TurboTax and it did not work for Credit Karma. I’m sorry but I’m not going to re-enter all of my information and will be looking for the best alternative. If Intuit cared they would make this transition as smooth as possible.

[tj]

This is disappointing to say the least. I have like 8 years of data in Mint.

[cascadian]

I've been using Mint since 2009.

The Mint mobile apps have always been missing some basic features that the older web version had, so I'm not exactly confident that Intuit will be transitioning Mint users to a product that works as well as the product they purchased from the original Mint owners.

I just made a 30 day trial account with Monarch, a Mint alternative/ clone that costs 10 dollars a month, and, unfortunately, it seems Fidelity has chosen to not allow access by Plaid, which I think is the biggest aggregator that Mint alternatives use behind the scenes. Monarch has alternate aggregators, but it seems the one they are using that works with Fidelity doesn't work all that well as it isn't showing my individual transactions, just the account totals, which isn't good enough as I'm using Fidelity as a bank account with their cash management product. (I'll update if it starts showing transactions later in the week.)

At any rate I made the account so I'll try it for 30 days, the 30 day trial link is on their reddit.

Unreliable access to certain financial institutions is a big issue. Most of us on here seem to use Fidelity/Vanguard/etc. I wonder if Fidelity has limited access to drive more traffic to their own proprietary offering (Full View), which unfortunately is only available online with a limited feature set and no app.

I like spreadsheets, but looking for something easier. Has anyone tried accessing Plaid data as a consumer to create their own spreadsheet feed?

Great discussion so far & appreciate all the ideas.

[CrazyCatLady]

That sucks. I don’t use it as regularly as I used to, but I’ve been with Mint since its beta days. I’ll try credit karma, but I’m also not that excited.

[LeftCoastIV]

I’m guessing Intuit determined that Credit Karma is superior at monetizing users through financial product offers, and wants to expose a larger user base to these offers.

But you know what they say: If the product is free, you are the product.

[Dottie57]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

Yes but then you don’t get auto-updates.

I’ve been using Tiller for the past year and it’s pretty great. Comes with templates but it’s in a spreadsheet so you can add in categories and customize.

For instance, I have a PivotTable which pulls all work related expenses in and then compares them to reimbursements to make sure everything got submitted.

I’m convinced this approach is the best of both works for those not afraid to mess with a spreadsheet.

Any aggregation issues with Tiller?

QQ, does tiller pull credit card transactions down to see how you spend? My bank account is usually pretty simple - less than 10 transactions a month. The meat is in two credit cards.

[bogleblitz]

I feel like Mint is much better known than Credit Karma. Maybe I'm wrong.

It doesn't matter which is more well known. It's which product is making more money for Intuit. Mint is not making any money at all. While credit karma is making alot.

[runswithscissors]

Odd. I didn't get an email and after logging in there's no mention of the app going away anywhere including the notifications panel. I pay a small $1/mo fee to avoid ads. I have a spreadsheet I update quarterly but the app is amazing for quick glances of account balances. It tracks dozens of accounts for me. Major bummer they are going away. I don't want or need anything complex. The $12/year was a steal for what it does. Would have been happy to pay 5X that.

[mrb09]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

Yes but then you don’t get auto-updates.

I’ve been using Tiller for the past year and it’s pretty great. Comes with templates but it’s in a spreadsheet so you can add in categories and customize.

For instance, I have a PivotTable which pulls all work related expenses in and then compares them to reimbursements to make sure everything got submitted.

I’m convinced this approach is the best of both works for those not afraid to mess with a spreadsheet.

Any aggregation issues with Tiller?

QQ, does tiller pull credit card transactions down to see how you spend? My bank account is usually pretty simple - less than 10 transactions a month. The meat is in two credit cards.

Another happy tiller user. I have it linked to half a dozen credit cards (with differing point bonus spending) and a checking and savings account. It downloads transactions, and you manually update the categories. Also has a “auto categorization” table, kept in a spreadsheet, for common repeat transactions. Tiller is really for spreadsheet lovers. I’ve also extended it with my own sheets linked to theirs.

[typical.investor]

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.

monarch money seems okish, but it doesn't import Apple Card automatically, nor does it seem to import broker dividends, interest so you can't really track income. Also, it didn't import Fidelity 529 but did a Fidelity HSA. Maybe I need spending tracking more than investment tracking.

Credit Karma is useless as of now, there is no spending tracking at all.

Fidelity Full View actually seems the best but it doesn't import Apple Card at all (but it's free). It's the closest to Mint I think. It'd doesn't count brokerage dividends as income either but you can see them.

I think I will use Fidelity Full View and just stop using the Apple Card. I'd be happy to pay $100/yr for Monarch Money but I don't like the interface as much. I retired early in a new locale and definitely want to track my spending...

[Tom_T]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

Yes but then you don’t get auto-updates.

I’ve been using Tiller for the past year and it’s pretty great. Comes with templates but it’s in a spreadsheet so you can add in categories and customize.

For instance, I have a PivotTable which pulls all work related expenses in and then compares them to reimbursements to make sure everything got submitted.

I’m convinced this approach is the best of both works for those not afraid to mess with a spreadsheet.

I am a near 40 year user of spreadsheet. Extensively. Every day of the year. But have never used a PivotTable. How often do you use one? For what purposes?

It allows you to summarize data from your detailed sheet, e.g. "summarize expenses by category across month."

[gtf8]

My daughter, 22, uses Mint to track her spending. She's not going to use spreadsheets, nor is anyone else her age. That's dinosaur talk in their eyes. (P.S. I love spreadsheets but I'm way older than she is.)

I'm someone else's 23 year old daughter. I've made and maintained my own spreadsheets since I started earning my own money. Don't discount us so quickly

That being said I switched to YNAB this year because of the automatic importing. I haven't opened mint since I set up my ynab account.

I use YNAB to track my spending. You guys may not like it as much because there's no automatic sync with investment accounts, but you can manually track investments.

[Tom_T]

My daughter, 22, uses Mint to track her spending. She's not going to use spreadsheets, nor is anyone else her age. That's dinosaur talk in their eyes. (P.S. I love spreadsheets but I'm way older than she is.)

I'm someone else's 23 year old daughter. I've made and maintained my own spreadsheets since I started earning my own money. Don't discount us so quickly

That being said I switched to YNAB this year because of the automatic importing. I haven't opened mint since I set up my ynab account.

I use YNAB to track my spending. You guys may not like it as much because there's no automatic sync with investment accounts, but you can manually track investments.

Ha, point taken... and glad to see more spreadsheet users!

[nisiprius]

So what, exactly, happens to the password information Mint had? Does it just get handed over to Credit Karma? I assume not but how much control do you have over the process, and what assurances do you have that they are doing whatever they say they are doing (does any third party audit their security practices and vouch that the information you gave it has been destroyed?)

No, don't have a Mint account but have wondered all along about the assumption that "it must be OK to give Mint your passwords because a) they say it is and b) so many people do it."

[Tarkus]

My daughter, 22, uses Mint to track her spending. She's not going to use spreadsheets, nor is anyone else her age. That's dinosaur talk in their eyes. (P.S. I love spreadsheets but I'm way older than she is.)

I'm someone else's 23 year old daughter. I've made and maintained my own spreadsheets since I started earning my own money. Don't discount us so quickly

That being said I switched to YNAB this year because of the automatic importing. I haven't opened mint since I set up my ynab account.

I use YNAB to track my spending. You guys may not like it as much because there's no automatic sync with investment accounts, but you can manually track investments.

I, too, use YNAB to track spending. I don't use the budgeting features at all. I prefer YNAB to just about everything else because

• It's proper double-entry accounting. I have a business background and I simply do not trust systems like Mint, Tiller and Fidelity Full View that simply present a list of unlinked transactions. Not everyone appreciates double-entry accounting systems, but for me they are an absolute requirement.
• Automatic, seamless import of all accounts. Except Fidelity, which cut off Plaid (and thus YNAB) on October 1. (This is the one big black mark against YNAB, but I blame Fidelity.)
• Categorization automation. The first time YNAB sees a transaction, you need to categorize it. But YNAB remembers the vendor and auto-sets the category the next time it sees that vendor.
• Transaction "approval" workflow. When new transactions appear, you have to approve them before they officially enter your ledger. This happens automatically if you set a category, or with a mouse click. The process is fast and efficient, and I'm never taken by surprise by anything.
• Easy transaction searching. I can find anything in an instant.
• Simple account reconciliation. It's a very easy process. Each transaction has three possible states -- "uncleared", "cleared" and "reconciled". If you enter a transaction yourself, it defaults to "uncleared". If the transaction came in from an automatic import or an OFX/QFX file import, it is "cleared". From time-to-time, you run the reconciliation process. YNAB prompts you for the current account balance from your financial institution. If it matches, it marks all cleared transactions as "reconciled". I've been using it for about a year, and I haven't experienced any gnarly or complicated reconciliations yet. No, you can't go back to an arbitrary date (such as the date of a statement) and reconcile to that date. You can only reconcile to "today".
• Transaction matching. If you manually enter a transaction, then later import the same transaction, YNAB will recognize it and match the two transactions. You can easily reject the match if it matched incorrectly.
• Future transactions. I enter transactions with a date in the future for upcoming credit card payments, pending checks, etc. I use the running balance in the YNAB ledger to manage my cash flow.
• Your data is your data. You can export everything.
• There are four basic reports you can generate: a pie chart of your categorized spending, a bar graph of your categorized spending trends, a net worth bar chart, and a more detailed P&L report. If you need anything more (I never have), then you can easily do a CSV export of your transaction details or the reports.
• Investments exist outside of YNAB. Sort of. I list them as "tracking" accounts, which don't sync or appear in any spending reports. They do affect the "net worth" report. I just update the balances quarterly.

[gavinsiu]

So what's the Credit Karma app like and are they going to migrate the history over. I feel that if they don't do the history, and the app isn't better than mint, people will most likely bail.

[Halicar]

This will never be a popular answer, but I still contend building your own spreadsheets is the best way.

Yes but then you don’t get auto-updates.

I’ve been using Tiller for the past year and it’s pretty great. Comes with templates but it’s in a spreadsheet so you can add in categories and customize.

For instance, I have a PivotTable which pulls all work related expenses in and then compares them to reimbursements to make sure everything got submitted.

I’m convinced this approach is the best of both works for those not afraid to mess with a spreadsheet.

I am a near 40 year user of spreadsheet. Extensively. Every day of the year. But have never used a PivotTable. How often do you use one? For what purposes?

I use it to summarize transactions. I can easily see how much I spend on groceries (for example) every month, even though they were purchased at different stores using different payment methods.

[toddthebod]

So what, exactly, happens to the password information Mint had? Does it just get handed over to Credit Karma? I assume not but how much control do you have over the process, and what assurances do you have that they are doing whatever they say they are doing (does any third party audit their security practices and vouch that the information you gave it has been destroyed?)

No, don't have a Mint account but have wondered all along about the assumption that "it must be OK to give Mint your passwords because a) they say it is and b) so many people do it."

Some banks have developed an API to allow aggregators to access your data in a read-only form. Schwab, for example, says:

In 2020, Schwab has communicated, via press release, the successful signing of Data Access Agreements (DAA) with 3 prominent financial technology companies: Envestnet Yodlee, Intuit, and eMoney Advisor.

https://www.schwab.com/legal/public-security-tips-popup

If you are concerned about security, you should use a bank/broker and an aggregator that use a separate API, so they don't have to save your password, and then you should turn 2FA on.

I am less concerned about a hacker gaining access to my student loan website.

[JohnSlackII]

So what, exactly, happens to the password information Mint had? Does it just get handed over to Credit Karma? I assume not but how much control do you have over the process, and what assurances do you have that they are doing whatever they say they are doing (does any third party audit their security practices and vouch that the information you gave it has been destroyed?)

No, don't have a Mint account but have wondered all along about the assumption that "it must be OK to give Mint your passwords because a) they say it is and b) so many people do it."

Yes, how they are handling password and other personal information is certainly a concern here (and in all changes like this).

That said, if this is something you or anyone else is worried about, you can just change your passwords. I know it's a hassle. But until the industry as a whole moves to using OAuth for authentication with third party services, this is an easy (though time consuming) way to reduce or eliminate password concerns.

[JohnSlackII]

monarch money seems okish, but it doesn't import Apple Card automatically

Fidelity Full View actually seems the best but it doesn't import Apple Card at all

The only service that imported Apple Card transaction data was Mint. Apparently that's because Apple gave Mint - and ONLY Mint - access to a special API to let them access that data.

Now that Mint is going away it remains to be seen whether Apple will open up API access more broadly.

As a die-hard YNAB user, lack of transaction importing is a severe downside of the Apple Card.

[JohnSlackII]

I, too, use YNAB to track spending. I don't use the budgeting features at all. I prefer YNAB to just about everything else because

Edit

[*]Your data is your data. You can export everything.

This is a huge positive for me. Every 6 months I export all data and archive it as a backup. That way I know I will never lose or not have access to my data.

[*]There are four basic reports you can generate: a pie chart of your categorized spending, a bar graph of your categorized spending trends, a net worth bar chart, and a more detailed P&L report. If you need anything more (I never have), then you can easily do a CSV export of your transaction details or the reports.

The bar graph of your categorized spending trends is very, very powerful, and is the report I use the most.

I've used CSV export to figure out things like medical expenses for taxes. I just export my relevant category, import into a spreadsheet, and manually remove the transactions that won't count for tax purposes. Fast and powerful. 

[*]Investments exist outside of YNAB. Sort of. I list them as "tracking" accounts, which don't sync or appear in any spending reports. They do affect the "net worth" report. I just update the balances quarterly.[/list]

I don't use YNAB for anything investment-related, none of my investment accounts are connected. I actually appreciate that investment tracking is a sideshow to the extent that you don't lose anything if you don't track your investments in YNAB.

One of the cofounders of Monarch Money actually posted in this thread but it was removed by an admin I assume. I had never heard of Monarch Money before then. Seems like similar to Personal Capital as they do both budgeting and investment tracking, and the budgeting feature looks pretty strong.

Monarch Money seems to have some interesting budgeting features that YNAB doesn't, and they also seem to roll out new features pretty frequently. This to me is one of YNAB's very few weaknesses, they are very conservative and rarely add new features. Now that can also be a huge strength - it just depends on how you look at it.

Just bringing up Monarch because I found that contrast to YNAB interesting.

[bloom2708]

I tried Mint and then used Personal Capital (Empower now) for 5-6 years. I stopped using PC at the end of 2022.

I created a Net Worth spreadsheet that is pretty simple and I update it on the 1st of each month now.

I do think it is valuable to track spending, but at some point you graduate beyond the need to track every dollar.

[gtf8]

I, too, use YNAB to track spending. I don't use the budgeting features at all. I prefer YNAB to just about everything else because

• ...
• Your data is your data. You can export everything.
• There are four basic reports you can generate: a pie chart of your categorized spending, a bar graph of your categorized spending trends, a net worth bar chart, and a more detailed P&L report. If you need anything more (I never have), then you can easily do a CSV export of your transaction details or the reports.
  
  ...

Also...

• You can customize category names! This was one of my biggest frustrations with Mint.

YNAB's privacy policy is also EXTREMELY stringent, they absolutely don't sell your data to anyone. Whereas with all these other softwares, who knows where your information is going; they've written up their privacy policy with so many loopholes for themselves.

I'll agree with everything in your list except for the 2nd to last point. You can use the YNAB toolkit (a browser extension) that gives you pretty much any reporting you want.
The toolkit is open sourced and popular. The dev encourages community support, and therefore it doesn't actually send data to some homing server - it all stays within your browser and YNAB. (https://www.reddit.com/r/ynab/comments/ ... b_toolkit/)

[chris conte]

Would someone who uses excel/google sheets mind uploading screenshots of the template they use? I'm trying to find some inspiration for mine.

[ichee_marone]

I agree with some others that it would be smart to try Credit Karma once Mint shuts down. I will do that and if insufficient, will move to using Empower to track expenses.

[alpenglow]

I have data in Mint back to 2010. At this point, our budget is very much under control, so the site isn't nearly as important to me as it used to be. Nonetheless, sometimes it is nice to check spending in certain categories. For example, I spent too much money on wine during Covid.

I think I'm going to go in and delete all my data and the account.

Thanks for posting about the change @cascadian!

[b42]

Another vote for YNAB for the tracking spending side of things. Been using for a few years and has made it really easy and convenient for the day-to-day expenses.

As for the investing side...I created a small spreadsheet that I manually update every few months. Not the easiest method, but it works for me.