Mint is gone. Credit Karma isn't a budgeting app.
Intuit shut Mint down on March 23, 2024 and moved its users to Credit Karma. Account syncing and net worth came across. Budgets, custom categories, and month-over-month spending trends did not. If you have been making do ever since, that gap is why.
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Where Mint genuinely shone
Mint deserves the affection it still gets. It made automatic transaction categorization normal, it put every account on one screen years before that was ordinary, and it did all of it for free, which brought a whole generation into personal finance who would never have paid for a money app. Credit Karma inherited the better half of that: account syncing, net worth, and credit monitoring, still free, still genuinely useful if tracking is all you want. If you only ever opened Mint to see your balances and your score, Credit Karma covers you and you do not need to pay anyone anything.
Planned and Credit Karma, side by side
Facts verified September 2026. Credit Karma's pricing and features change; check their site for current details.
Free had a price. You paid it when the app disappeared.
Mint was free because you were not the customer. It ran on targeted ads and referral fees for credit cards and loans, and in November 2023 Intuit announced it was closing the app and moving its users into Credit Karma, which runs on the same referral model at a much larger scale. Intuit never published a full reason, so treat any single explanation as a guess. What is not a guess is the structure: an app funded by product referrals answers to the referrals. That is the trade every free money app makes: its incentive is to recommend products, not to tell you what you should actually do, and it survives only as long as that referral revenue holds. Planned is the other arrangement. You pay for it, so it answers to you: a 10-area financial plan, a health score that tells you where you stand, and an AI coach grounded in your real accounts. When you want a human judgment call on a house, a job change, or a debt payoff order, the Coach plan puts a CFP® professional on the other end who has no product to sell you.
What each one costs
AI plan: $14.99/mo or $99.99/yr with a 7-day free trial on annual. Messaging plan: $49/mo or $480/yr, adding a human financial coach over messaging with replies within 2 business days. Coach plan: $199/mo or $1,980/yr, working 1:1 with a CFP® professional through a monthly 30-minute video call and messaging with replies in under 24 hours Mon–Fri. Both coaching plans include a 30-day money-back guarantee.
Credit Karma is free. It makes money by recommending credit cards, loans, and other financial products, which is the same model that funded Mint until it stopped working.
If tracking and your credit score are all you need, Credit Karma is free and it is enough.
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