Skip to main content
An honest comparison

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.

Planned: $14.99/mo or $99.99/yr. Human coaching from $49/mo.

Start my free trial

Free for 7 days, then $99.99/yr · Cancel anytime · See pricing

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

FeaturePlannedCredit Karma
Automatic transaction tracking
Net worth tracking
Monthly snapshots
Budgeting
Smart Budgets, drafted from your real spending
Custom spending categories
Month-over-month spending trends
Bill & subscription tracking
Credit score monitoring
Financial health score
Personalized financial plan
10-area plan with scored next steps
AI coach grounded in your accounts
Human advice available
Human coach messaging (Messaging plan) or 1:1 with a CFP® professional (Coach plan)
How it makes money
Your subscription
Financial product recommendations
Price
$14.99/mo or $99.99/yr
Free

Facts verified September 2026. Credit Karma's pricing and features change; check their site for current details.

Start my free trial

Free for 7 days, then $99.99/yr · Cancel anytime

Free had a price. You paid it when the app disappeared.

Mint was free because it earned money from ads and product referrals, and Intuit closed it in favor of Credit Karma. You pay for Planned, so it answers to you, with a CFP® professional on the Coach plan and nothing to sell you.

Direct messaging, Mon–Fri, under 24-hour responses
Monthly 30-minute video call
Your AI-built plan, reviewed by a human

What each one costs

Planned

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 Matt Schuberg, CFP®, 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

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.

Common questions

Start your financial journey today

See where you stand in under two minutes. No spreadsheets, no guesswork. Just clarity.

Start my free trial

Free for 7 days, then $99.99/yr · Cancel anytime

256-bit encryption · Read-only bank access · Never sold

Also available on iOS and Android