Mint shut down on January 1, 2024. If you're still searching for a free, private replacement that doesn't push credit cards or harvest your data — Expensly is it.
When Intuit retired Mint, more than 3.6 million people lost the simple, free expense tracker they had relied on for over a decade. Users were migrated to Credit Karma — but Credit Karma is a credit-monitoring product, not a budgeting tool. Categories disappeared. Custom budgets disappeared. The clean, simple interface millions of people loved disappeared.
Most "Mint alternatives" you'll find today have the same problems: they ask you to connect your bank account through Plaid, they charge $9-15/month for basic features, or they replace ads with aggressive upsells. None of that is what Mint users actually wanted. They wanted free, simple, and personal.
Expensly is built for that exact gap. It's free. It's offline. It never asks for an email, a password, or a bank login. You open the app, you log an expense, you see where your money is going. That's it.
Mint: Free (until 2024 — discontinued)
Expensly: Free forever. No subscription. No premium tier.
Mint: Required Plaid bank credentials
Expensly: No bank link. No Plaid. No third party touches your accounts.
Mint: Email + password mandatory
Expensly: No account. No email. Open the app and start.
Mint: Credit-card and loan offers throughout
Expensly: Zero ads. Zero affiliate links.
Mint: Data sold to Intuit's marketing partners
Expensly: Data lives on your device. We can't see it.
Mint: Discontinued January 2024
Expensly: Live on the App Store, actively developed.
Expensly covers the four things Mint users actually used: logging expenses, categorizing them, setting monthly budgets, and seeing reports. Custom categories, recurring expenses, monthly summaries, and trend charts are all included. Nothing is paywalled.
The trade-off is honest: Expensly is manual. You enter expenses yourself instead of having them auto-imported from your bank. In exchange, you get total privacy, an app that never breaks because a bank changed its API, and a tracker that works even when you have no signal. For most people who liked Mint for its simplicity rather than its automation, that trade is a clear win.
Yes. Intuit officially shut down Mint on January 1, 2024 and pushed users to Credit Karma. The Mint app no longer functions as a budget tracker.
Not directly — Mint shut down its export tools. If you saved a CSV before the shutdown, you can use it as a reference while re-categorizing in Expensly. Going forward, manual entry takes only a few seconds per expense.
Yes — apps like Monarch, Copilot, and YNAB do bank syncing, but they all charge $8-15 per month and require accounts. Expensly is the free, private, no-login option for people who don't want either.
Yes. The Android version is in development. The iPhone version is live on the App Store today.
Free download. No sign-up. No bank login. No data ever leaves your phone.