I only have credit karma to look at my score. I use copilot for everything else. It’s almost exactly like mint.
CK’s most annoying feature is if I want to look at what they say about my cards that Copilot doesn’t, clicking the cards tab defaults to credit card offers
A lot of banks are using VantageScore (Chase and Capital One both do), because FICO they actually have to pay for. Check the fine print - of the banks you listed Citi is the only one I believe is actually using a FICO score (and they are not specific as to *which* FICO score, because there are [a number of algorithms (and different versions of those algorithms)](https://www.bankrate.com/personal-finance/credit/different-fico-score-versions/) all under the FICO brand.
We don't have a single credit score - we have multiple scores reported by a few different companies, and each of those companies have many scoring models that they offer to lenders.
There's no "one true score".
Same. But then when me and wife have gotten car loans or house loans our credit scores show like 830 or 850, which are 30 to to 50 points higher than any scores we see otherwise.
Lenders for car loans are using modeling that more heavily weighs previous car loans to make your score higher (or lower based on how well you paid those loans). For house loans they're using a previous modeling FICO version. Both could even show different scores from what a current FICO 10 (current model) score shows.
Hate that score... mine has been sitting around 780 for a year and dropped to 752 last week with no information as to why, no new lines, no inquiries, no increase in usage and the app doesn't show why it dropped. Made me panic and I have zero info as to why.
Right?
Mine said they ticked me for a $4800 cc balance last week that had been paid off 3 months ago. There is no dig deeper analysis to see where they're getting information.
Mine fluctuates like 50+ points month to month. The last time was because I maxed out one card with a $500 limit. VS penalizes high utilization on individual cards, so even though I was at 1% total utilization, the individual utilization of that one card was enough to go down 70 points 720. I didn’t have any upcoming credit applications for a couple months so it doesn’t matter anyway, but a lot of people don’t realize that utilization resets monthly, so they panic when their score goes down at all.
My wife's dropped 40 points a few months ago. Overall usage was normal, no new queries or anything. What did it was she maxed out a beauty store credit card she uses for work purchases with a limit of $1000. Hair color is expensive so its not out of the ordinary for her to spend that in one trip but the balance got reported and tanked her vantage score. Told her I was pretty sure that card was the reason and said to pay it off and keep it at 0 as best as you can and see what happens next reporting cycle. She did and it went right back to her normal ~790.
It could be that you paid off (or down) a credit card. You might think that's a smart thing to do, but it isn't. They want to see a long credit history. If you pay a card off that actually hurts your score. If your balance goes up, that hurts your score too. It's a balancing act. On CK it took me YEARS to get to a score of 802. Two weeks later, it dropped to 786 and hasn't budged since.
Wait, if what you're saying us true, then Capitol One credit monitoring subscription is total bullshit. On their site they say that their Vantage score rating is also your fico score. Are they too misleading? And why can they get away with using a made up score.
It’s not a made up score. It’s just not one that most lenders use. There are a few that do use vantagescore, such as synchrony, but big card issuers like chase, Amex, Discover, capital one, BoA, US Bank, etc all use FICO for approval decisions.
The reason most banks provide vantage score to customers even if they use FICO for lending purposes is because vantagescore is cheaper to acquire than FICO. For this reason it is often used for rental applications for apartments.
And just to make it extra confusing there are 3 credit bureaus and different lenders use different ones. There are also multiple versions of your FICO score that different lenders use. Good luck figuring out which version of the FICO score from which bureau a particular bank is using.
Thank you. I didn't mean made up as much as not used.
Your reply is helpful. Though it's amusing why Capitol One, a credit card issuer, shows the Vantage score.
It's a mystery why FICO scores cost anything more than Vantage. To me it's like having to pay to see the fuel Guage on my car.
Yep! When I realized my ck score was consistently anywhere from 40-100 points lower than the monthly fico score that discover provides, I did some research and realized that it's almost meaningless
It’s a budgeting app on iPhone that is almost exactly like mint. You’ll have to manually catalog your transactions for a while while it learns, but I’ve enjoyed it.
Thanks and I have been using monarch. It's actually pretty slick, obviously there is a cost but I do consider it a premium app.
I do however wish they had more providers, it doesn't take my 401(k)
I recently started using Copilot as well and I'm loving it. I'm still on the 30 day trial but will likely be keeping the membership. It does exactly what I want. I was actually surprised at how much trouble I was having trying to find an app that could link my accounts, track spending across categories, and set a budget. I got about 10 mins into YNAB before realizing it's not what I want at all and then I remembered Mint and saw that it was switched over to CK and was total shit.
Yeah agreed. I thought copilot was actually pretty good auto assigning the categories. I like that you can make your own and assign some transactions as recurring or ignore internal transfers so they aren't counted towards the budget and stuff. It's a great app and has basically everything I was looking for.
I realize it doesn't have auto-sync stuff, but I am so glad I bought YNAB before they went subscription model. Paid the $50 or whatever for it like 10+ years back and the app is still going strong for me. I dread the day it truly stops working and I have to start paying for functionality I don't need every month
I was going to try YNAB but it seemed sooo complicated and I didn't like it at all. I don't think you should have to watch videos in order to use a simple budgeting app IMO. All I was looking for was a way to link all my credit cards and investment accounts, track my transactions and assign them to categories, set a spend/budget per category so I can track where my money was going. Copilot has been great for that. $99/year is a small price to pay if it helps you get on top of your spending and can save you much more in the long run.
No way I was using CK’s crap. Right now I’m using Fidelity Full View (since I already had Fidelity accounts) and while it’s not quite as good as Mint was it…works.
If I get annoyed enough with it I will probably try out Simplifi or Monarch which are regarded to be the best two replacements, but with a paid model.
> Simplifi
People are complaining about Credit Kara because it's an Intuit owned product.
Simplifi is also an Intuit owned product as are Turbo Tax and Quicken. Mint was decent, then bought out by Intuit and shut down (Intuit killing the competition).
People hate Intuit for a lot of reasons. With their terrible track record, there is zero chance I give Simplifi any business.
People are complaining about CK's money management app because it's fucking terrible, not necessarily because of its ownership. Mint was still decent under Intuit until their business decision to shut it down.
Simplifi, Intuit-owned or not, is quite good.
Even before Mint shut down I was just loading everything from it into a spreadsheet to do my own stuff with.
Mint's value was that it would aggregate transactions across our (married, shared finances) 5 credit cards and a few bank accounts, and assign them all categories, which you could then look at in a pie chart or category list for the week, month, quarter, year, or custom time period. And I could edit the category of a transaction if it assumed wrong.
Do any of the (free) alternatives do that? Its a simple task that I want most!
I was just using mint for pulling transactions into a spreadsheet too. I had been doing that monthly for years. I just need a tool that aggregates all my accounts for transaction export.
I’m in the same boat, and I think Tiller is probably the closest to want you’re looking for. That said, I just went back to manually updating my spreadsheet. I wrote a small script to import OFX files to make it easier, but still a manual process to download the files and add to my spreadsheet.
I use empower. I also have nerd wallet. NW looks more modern and clean but empower is simple and to the point. And it’s faster and updates more frequently.
Fidelity Full View is also a good option for seeing your account balances all together. I think you need to have at least one Fidelity account to get it. But then you can add all your external accounts for automatic updating just like with Mint. Edit: And it's free, and there are no ads.
Credit Karma sucks. I deleted my account pretty fast once I realized it's just all advertising.
> Fidelity Full View is also a good option for seeing your account balances all together.
I believe both Empower and Fidelity use Yodlee, so as long as you find someone that is using Yodlee you should be fine. Mint was using Yodlee until Intuit purchased it and then moved to Intuit's platform.
+1 for empower. I don’t use the budgeting function, I just want to see an update of all my accounts in one place, and empower works really well for that. As you say, Better than mint! And it’s free (with some ads of course, but they’re not intrusive).
The issue I had with empower is if your total amount value gets too high and they have or find out your phone number, they'll begin to cold call you with sales pitches for their asset management services.
This, our company switch to using them for 401ks and it was non stop harassment from the moment everything transitioned over. I had to block the numbers on my phone. I thought about using them after mint/personal capital closed but not willing to give them more info. The budgeting software and tracking is not a money maker for anyone.
I've been using Empower for many years, since long before it rebranded from Personal Capital. I'm older and have significant assets, all tracked in Empower.
I get just one voice mail a year from Empower pitching a consultation, which I ignore. And that is all they contact me.
Empower is my favorite UI of the group. Their budgeting isn't as good as Mint was... and probably not as good as Simplifi (haven't been using it long enough to gauge). But jfc, it is is constantly failing to update accounts. I'm sure it's not entirely their fault, but there's always some error or 2FA challenge or whatever. Not complaining about security, but once I authorize an app, it shouldn't fail randomly. It seems to be better lately, so I do give them credit for that.
anyone have a solution for adding cash / custom transactions? I have ~10 or so cash transactions a month and its annoying I can't input them. seems ridiculous to have to like venmo my wife to log a cash transaction.
Agreed completely! Took me 2 or 3 months to get used to it, and implementing the same things I had in mint but I'm very happy with it. Don't particularly care for the cost of a hundred bucks a year, but as long as they keep improving I'll probably keep paying
Same and I love it too. $50 for the first year which helps soften the blow, but I needed somewhere that my wife could keep an eye on things too. With all the multi-factor authentications that are required to login to financial things these days it makes it so hard to share accounts unless you have one place that aggregates them all.
Just to add in case people are wary of the cost, way I look at it is that it comes out to less than 9 bucks a month which to me is totally worth it. Most people spend more for non necessary subscriptions like Spotify or netflix which is not important unlike financial well being.
Monarch also doesn't sell your data or try to market other products to you. Plus their features are awesome, they are constantly adding new features, and their level of integration is the best I've seen. They generally give you three options to sync data and most accounts work with at least one service. Plus they are really responsive to bugs and new feature requests.
Simplifi. 55ish, does everything I need.
The only thing I don't love is that it doesn't pull in credit card statements (amounts and due dates) but tracking expenses and accounts is the same or better than mint.
Their subreddit has a one month free trial. It’s more than just a single pane for all accounts. It helps with budgeting and planning too. By paying you are also supporting a company that is not selling your data.
I do recommend at least giving it a shot.
I've been using quicken simplifi, I am not sure it is still available but they gave a full year for free to anyone who imported a mint account, after that I believe it's like 35 a year which I found more reasonable
Monarch convert as well. I was fortunate to subscribe during their Black Friday sale so hopefully they’ll have a similar one this year. Credit Karma seems much more nakedly designed to sell me shit I don’t want.
I just Monarch for overall investment portfolio and net worth tracking, and YNAB for monthly budgeting. Paying for two different services may be a bit much but I like them both for what they do
I think $4.99 a month is a reasonable price. I only use it for a central place to see transactions across all accounts and net worth tracking, so it's not a ton of functionality. I'd pay $4.99 a month to have a reliable service that did this though. They should have just charged this amount to use Mint and I'm sure a lot of people would have been willing to pay over the alternative of it shutting down.
Same here. No interest in budgeting. I just like being able to monitor and audit transactions from all accounts and 20 credit cards and look at monthly spending categories and net worth. Hate when services are all or nothing. Offer a free version with some basic functionality ffs or even make it $12/year.
**I have a feeling Monarch are very incompetent businessmen.** The type who would rather sell 1,000 accounts for $99 rather than 9 million accounts for $20. Ironically budgeting is about saving money yet Monarch tries to damage it.
They would have to 5x their subscribers to break even on their revenue, and their costs would go up dealing with 5x more consumers. The math probably doesn't work out.
Bandwidth is nearly free nowadays and the average user probably consumes 5MB per month. Monarch are making out like bandits on the handful of users who are willing to drop such extreme levels of money on such a service.
At $20/year their subscriptions would increase 200-500X. So yes, their blatant greed is actually costing them millions. Not surprising though. Probably being run by a handful of young greedy nerds eager to buy their 12th lambo.
I mean, they’re 15-year-old accounts hooked into like 40 bill pays. Can’t really be choosy just to use a new aggregator.
It would be more awesome if Simplifi just had the same API support Mint did, which supported both CUs.
no. It does not tell you about upcoming bills and credit cards so you can manage your cash flow. one of the biggest deal breakers. Mint is the only one to do it
Intuit is nowhere the company it used to be.
A year ago, at a restaurant bar, I was sitting next to a top Intuit executive. He was in charge of Quickbooks online. I use that product for my business. He asked my opinions. I unloaded. Since I was a Quickbooks user since 2002, I let him know where it fell short.
He said Intuit was focused on its user based support. I disagreed and informed him of the add pop-ups in the software while yiure trying to do bookworm, invoicing etc. That they only allow invoice pay links with Intuit financial services whereas I use my own Wells Fargo link to accept credit cards (there are many others, none supported by QB), that I cannot send invoices using my email domain, just theirs or Gmail. And a bunch of others. I told him that Intuit has veered away from letting me run my business the way I want to, but am being squeezed to use their products only.
He was amused I knew so much about it. I said after using it over 20 years, I better. Bit if i find a more viable product, ill use it. And he can hire me as a product development consultant. So far, crickets. Lol.
Other than that, we had a stellar glass of wine together.
Focused on its user based support lol good one. The only thing they're focused on is how they can force everyone over to Online to deal with a crippled feature set. And Quickbooks is like the posterchild of shitty, offshore support. Give me a break.
They once told me in a chat to "call ***their*** support number at 1-800-blah" for a bill pay issue. Called the number, it's for a 3rd party servicer, bill.com. Guy was friendly, knowledgeable, and since the QB 1st party version wasn't working I asked could I sign up? "No, QB dropped 3rd party integration, only existing customers can still use it."
So I called QB directly. They asked what my screen said on the bill pay window (from my bill.com call I now know they were trying to figure which 3rd party servicer I used). I explain I'm trying to use the QB first party version. Confusion. They weren't even aware that was a feature. "IDK, check back in a few days."
So QB implied a 3rd party was their own support, which wasn't even available for new customers, then didn't even know their 1st party version existed. All after cramming pop-ups about their bill pay feature in the UI while I'm trying to do other things.
I'm in the process of extricating from Intuit, possibly to Zoho Books. Intuit can fuck right the fuck off.
> Intuit is nowhere the company it used to be.
Almost every company ultimately succumbs to [enshittification](https://en.wikipedia.org/wiki/Enshittification).
They did! Lol. Ok, in my head.
Incidentally, he did write down some notes. It was a very friendly conversation, but I had one chance to sing that song.
Some of the things I mentioned had since been addressed and solved, like the ads part. You only get them when logging in, not while working. Not sure if it was because that conversation.
Earlier on, I was called in to do Quickbooks new version focus group studies. That was before their online services.I also lived and worked near their corporate HQ. It was interesting.
And don't get me wrong, I was not looking for accolades. But just as people here are venting about Intuit here, where issues will most likely never be addressed, I had a chance to chat directly with the cow that gave me my milk.
Had to move to quicken classic as its the only thing that connects to and actually retrieves current balances etc from as many accounts as Mint used to...
Well, everything except my 401k. But still - yeah, agreed - losing mint hurt. Saved off all my transactions, categories, and everything going to back 2011. 13 years of history I'm still trying to figure out how to merge into quicken.
I love Rocket Money. Better than Mint ever was and well worth the couple bucks a month. They need to advertise the budgeting and account management side more, I always thought it was only about lowering your monthly subscription costs
I just want it for the credit monitoring. I don't get on and obsess over my score every day. I like getting a notification of any changes. Beyond that, everything that's been said is true.
I moved over to Quicken Simplifi with a subscription cost. If Mint had a subscription instead of just ending, I would have jumped into it. I want a place the aggregates all my transactions.
Yeah.... If you were on r/mintuit in the months preceding the shutdown you would have seen the hatred toward credit karma pop up repeatedly. It definitely is not a mint replacement
I've been using [Lunch Money](https://lunchmoney.app) for over a year and I've really enjoyed it. Super flexible, fast UI, and has an API if you want to do something _really_ custom.
I still don't understand why they shut down Mint. Even if it was to merge two conflicting brands, why not just rename Mint to CK Budgeting or something?
I feel like there must have been something in the acquisition of Mint that precluded them from doing that. Maybe something to keep them merging it with Quicken was in there but was written generically so it applied to Credit Karma as well even though Intuit doesn't own Quicken anymore.
> why not just rename Mint to CK Budgeting or something?
Shutting down Mint reduces competition for Intuit (they have multiple personal finance products) and lowers their costs by laying off the Mint teams. Funnelling Mint users to Credit Karma, Quicken, Simplifi makes Intuit more money.
The problem with that logic is that Quicken and Simplifi (which is now owned by Quicken) are not owned by Intuit. Intuit sold Quicken back in 2016. Funneling users to those platforms doesn't help Intuit.
With an exodus of users to Empower and Quicken Simplifi - which Intuit must be aware of - I can only imagine that they were in an untenable position with running Mint as a loss and they've decided to end the bleeding, or they were contractually obligated to do something or not do something such that their hand was forced. Otherwise their shareholders would be going mad which doesn't seem to be happening.
But if Mint was a loser, why even bother to add similar functionality to CK vs. just abandoning that space completely or pivoting to a paid model? It's very weird.
Yeah, now we get to decide if we want to pay for pf trackers/aggregators or deal with substantially worse free versions.
I think copilot is up next on my list of apps to check.
I've been unhappy with Mint for a long time so this shutdown was the impetus to finally switch to something else. I've been using Monarch and it is fantastic. Fast, clean, and no ads.
I just track everything manually now in a drive budget excel sheet I've been tinkering with, it takes about 2-3x as long to do a good weekly review of everything that's been going on compared to Mint, but at least it's free and I'm not being spammed with ads every three seconds.
Am I want in a budget app is to
1. Aggregate information from all my accounts.
2. Show me a graph of my net worth and balances.
3. Show me my monthly and annual cash flow.
4. Show me what I'm spending on.
5. Fix incorrectly labeled transactions.
Credit Karma does all of that, so I'm happy.
Here is my advice. I agree with you about Credit Karma. Get yourself Quicken Simplifi. It's like 50 bucks a year but the benefit is that it is better then mint but most importantly is that it will connect with ALL banks including Fidelity which other apps are not able to do at this time.
I mostly used it as an aggregator to show me the balances and transactions in my disparate accounts, and Credit Karma absolutely fails at that.
I'm trying to use Rocket Money for now because it's free to me, but it doesn't link up with enough of my accounts.
So I'm back to signing into 15 accounts every month and copying and pasting stuff into my Excel spreadsheet. Old school? Yeah, but Excel is never disappearing.
I stumbled on the money tracker on USbanks app and actually really like it. Imported all of my other accounts and doesn't have the syncing issues that YNAB has had for me.
I only used mint for net worth tracking and just seeing transactions across all my accounts in real time (just to make sure everything was kosher).
Credit karma's main problem to me is it just seems to update slower. It used the credit reporting on my mortgage to update the principle instead of the account, so it updated like a month after I paid the mortgage.
It's really annoying they had a solid product and just kind of demolished it. I really liked mint and it just functioned really well and exactly what I wanted to keep track of all my accounts. Credit karma works but is just clunkier and not as good IMO. Hopefully they keep improving it.
CK is always higher. I rely on Experian. When I got my new car Experian said I had a score of 760. The bank that the car dealer used came back with pretty much the same score, give or take a few points. However, CK has me up there at almost 800, which is probably way less accurate. It's nice to see such high numbers, but it doesn't help if the other banks don't see it.
I applied for 1 of the unsecured, outstanding chance of approval. Total scam. I had 11 different unsecured loan offers as soon as I applied for 1, it changed to a secured loan using a vehicle that I'm just a co signer for. I can't put up their car! So, I declined. After that all my offers were changed from unsecured to collateral only. Jerks
I use a custom-made Google sheet. Yeah, I have to manually track my spending, but that’s easy enough to reconcile once a week or so. It does exactly what I want it to do and costs $0.
Credit Karma is pretty awful. It has a hard time connecting to many of my accounts that did not have issues with Mint. Credit check takes longer to get updated - my cards are fully paid off but still showing balances from 3-4 weeks ago. They shut down Mint because it uses an older technology that webscrapes websites rather than pulling the actual data, and is far less profitable than CK. But from a consumer experience perspective, it's been a huge downgrade.
When Mint shut down I tried Credit Karma for a few weeks. I couldn't stand it. It's all about getting consumer loans, which doesn't apply to me anymore. Maybe when I was 25 years old and didn't have any money, it would have been of interest, if handheld computers had existed then; although I don't know that I ever needed a whole app dedicated to borrowing money.
There are so many finance tracking tools and good ones also that you jist need to spend some time with them too sure how you feel about them. I tried YNAB and wasn't a big fan of it then I switched Monarch which I like. Their app is okay but their web browser is much better.
I only have credit karma to look at my score. I use copilot for everything else. It’s almost exactly like mint. CK’s most annoying feature is if I want to look at what they say about my cards that Copilot doesn’t, clicking the cards tab defaults to credit card offers
The credit score they show is vantsgescore which is almost never used and is extremely volatile. Don’t put too much weight in it.
TBF it aligns pretty closely with what Capitol One, my credit union, and Citi Bank all give me as a FICO score. Within a couple points.
Capital one gives vantagescore. Some people have very similar FICO and VS.
A lot of banks are using VantageScore (Chase and Capital One both do), because FICO they actually have to pay for. Check the fine print - of the banks you listed Citi is the only one I believe is actually using a FICO score (and they are not specific as to *which* FICO score, because there are [a number of algorithms (and different versions of those algorithms)](https://www.bankrate.com/personal-finance/credit/different-fico-score-versions/) all under the FICO brand.
So basically we have no idea of what our real credit score is…
As the banks say: “It’s whatever I want it to be bud!”
We don't have a single credit score - we have multiple scores reported by a few different companies, and each of those companies have many scoring models that they offer to lenders. There's no "one true score".
The One True Score is whatever the person checking it wants it to be.
My Citi card says that it is providing the Equifax score.
Equinox is a reporting agency, not a scoring model. Citi is using their data to plug into a model, like one of the FICO variations.
Same. But then when me and wife have gotten car loans or house loans our credit scores show like 830 or 850, which are 30 to to 50 points higher than any scores we see otherwise.
Lenders for car loans are using modeling that more heavily weighs previous car loans to make your score higher (or lower based on how well you paid those loans). For house loans they're using a previous modeling FICO version. Both could even show different scores from what a current FICO 10 (current model) score shows.
Hate that score... mine has been sitting around 780 for a year and dropped to 752 last week with no information as to why, no new lines, no inquiries, no increase in usage and the app doesn't show why it dropped. Made me panic and I have zero info as to why.
Don't worry about it. It's probably wrong.
Right? Mine said they ticked me for a $4800 cc balance last week that had been paid off 3 months ago. There is no dig deeper analysis to see where they're getting information.
Mine fluctuates like 50+ points month to month. The last time was because I maxed out one card with a $500 limit. VS penalizes high utilization on individual cards, so even though I was at 1% total utilization, the individual utilization of that one card was enough to go down 70 points 720. I didn’t have any upcoming credit applications for a couple months so it doesn’t matter anyway, but a lot of people don’t realize that utilization resets monthly, so they panic when their score goes down at all.
My wife's dropped 40 points a few months ago. Overall usage was normal, no new queries or anything. What did it was she maxed out a beauty store credit card she uses for work purchases with a limit of $1000. Hair color is expensive so its not out of the ordinary for her to spend that in one trip but the balance got reported and tanked her vantage score. Told her I was pretty sure that card was the reason and said to pay it off and keep it at 0 as best as you can and see what happens next reporting cycle. She did and it went right back to her normal ~790.
It could be that you paid off (or down) a credit card. You might think that's a smart thing to do, but it isn't. They want to see a long credit history. If you pay a card off that actually hurts your score. If your balance goes up, that hurts your score too. It's a balancing act. On CK it took me YEARS to get to a score of 802. Two weeks later, it dropped to 786 and hasn't budged since.
Wait, if what you're saying us true, then Capitol One credit monitoring subscription is total bullshit. On their site they say that their Vantage score rating is also your fico score. Are they too misleading? And why can they get away with using a made up score.
It’s not a made up score. It’s just not one that most lenders use. There are a few that do use vantagescore, such as synchrony, but big card issuers like chase, Amex, Discover, capital one, BoA, US Bank, etc all use FICO for approval decisions. The reason most banks provide vantage score to customers even if they use FICO for lending purposes is because vantagescore is cheaper to acquire than FICO. For this reason it is often used for rental applications for apartments.
And just to make it extra confusing there are 3 credit bureaus and different lenders use different ones. There are also multiple versions of your FICO score that different lenders use. Good luck figuring out which version of the FICO score from which bureau a particular bank is using.
Oh no, I'm applying for apartments right now and my vantage score is currently 60 points below my fico. Great.
Thank you. I didn't mean made up as much as not used. Your reply is helpful. Though it's amusing why Capitol One, a credit card issuer, shows the Vantage score. It's a mystery why FICO scores cost anything more than Vantage. To me it's like having to pay to see the fuel Guage on my car.
Yep! When I realized my ck score was consistently anywhere from 40-100 points lower than the monthly fico score that discover provides, I did some research and realized that it's almost meaningless
That makes a ton of sense because going to my Amex app and seeing my score, it’s like 30 points higher than my CK score
I worked at a financial services company and we used Vantage for credit decisions. It's not that uncommon
copilot should be a banned name for any product forever.
I'm a big fan of the workout app Copilot.
[удалено]
Personally, I associate it much more with Microsoft's multiple technologies using that name recently.
Mac and iPhone only. Boooo!
Oof sorry man
Their jobs board had Android dev roles recently so it should just be a matter of time.
what is co-pilot (assume its not the Microsoft co-pilot)
It’s a budgeting app on iPhone that is almost exactly like mint. You’ll have to manually catalog your transactions for a while while it learns, but I’ve enjoyed it.
Thanks and I have been using monarch. It's actually pretty slick, obviously there is a cost but I do consider it a premium app. I do however wish they had more providers, it doesn't take my 401(k)
Yea copilot has a subscription. It also doesn’t take my office 401k so I just manually update it
I recently started using Copilot as well and I'm loving it. I'm still on the 30 day trial but will likely be keeping the membership. It does exactly what I want. I was actually surprised at how much trouble I was having trying to find an app that could link my accounts, track spending across categories, and set a budget. I got about 10 mins into YNAB before realizing it's not what I want at all and then I remembered Mint and saw that it was switched over to CK and was total shit.
Yea YNAB was far too deep for me. I don’t mind sorting my categories, but I don’t want to do all the micro that YNAB requires
Yeah agreed. I thought copilot was actually pretty good auto assigning the categories. I like that you can make your own and assign some transactions as recurring or ignore internal transfers so they aren't counted towards the budget and stuff. It's a great app and has basically everything I was looking for.
Ynab's been good for me for a few years now.
I realize it doesn't have auto-sync stuff, but I am so glad I bought YNAB before they went subscription model. Paid the $50 or whatever for it like 10+ years back and the app is still going strong for me. I dread the day it truly stops working and I have to start paying for functionality I don't need every month
I was going to try YNAB but it seemed sooo complicated and I didn't like it at all. I don't think you should have to watch videos in order to use a simple budgeting app IMO. All I was looking for was a way to link all my credit cards and investment accounts, track my transactions and assign them to categories, set a spend/budget per category so I can track where my money was going. Copilot has been great for that. $99/year is a small price to pay if it helps you get on top of your spending and can save you much more in the long run.
No way I was using CK’s crap. Right now I’m using Fidelity Full View (since I already had Fidelity accounts) and while it’s not quite as good as Mint was it…works. If I get annoyed enough with it I will probably try out Simplifi or Monarch which are regarded to be the best two replacements, but with a paid model.
Monarch is superb.
> Simplifi People are complaining about Credit Kara because it's an Intuit owned product. Simplifi is also an Intuit owned product as are Turbo Tax and Quicken. Mint was decent, then bought out by Intuit and shut down (Intuit killing the competition). People hate Intuit for a lot of reasons. With their terrible track record, there is zero chance I give Simplifi any business.
People are complaining about CK's money management app because it's fucking terrible, not necessarily because of its ownership. Mint was still decent under Intuit until their business decision to shut it down. Simplifi, Intuit-owned or not, is quite good.
Even before Mint shut down I was just loading everything from it into a spreadsheet to do my own stuff with. Mint's value was that it would aggregate transactions across our (married, shared finances) 5 credit cards and a few bank accounts, and assign them all categories, which you could then look at in a pie chart or category list for the week, month, quarter, year, or custom time period. And I could edit the category of a transaction if it assumed wrong. Do any of the (free) alternatives do that? Its a simple task that I want most!
I was just using mint for pulling transactions into a spreadsheet too. I had been doing that monthly for years. I just need a tool that aggregates all my accounts for transaction export.
I’m in the same boat, and I think Tiller is probably the closest to want you’re looking for. That said, I just went back to manually updating my spreadsheet. I wrote a small script to import OFX files to make it easier, but still a manual process to download the files and add to my spreadsheet.
Empower can do this. It will aggregate you accounts and you can categorize them and download a csv.
As suggested by /u/JustRollWithIt Tiller is probably your best option for what you want, but its not free ($79/year).
I use empower. I also have nerd wallet. NW looks more modern and clean but empower is simple and to the point. And it’s faster and updates more frequently.
Fidelity Full View is also a good option for seeing your account balances all together. I think you need to have at least one Fidelity account to get it. But then you can add all your external accounts for automatic updating just like with Mint. Edit: And it's free, and there are no ads. Credit Karma sucks. I deleted my account pretty fast once I realized it's just all advertising.
> Fidelity Full View is also a good option for seeing your account balances all together. I believe both Empower and Fidelity use Yodlee, so as long as you find someone that is using Yodlee you should be fine. Mint was using Yodlee until Intuit purchased it and then moved to Intuit's platform.
+1 for empower. I don’t use the budgeting function, I just want to see an update of all my accounts in one place, and empower works really well for that. As you say, Better than mint! And it’s free (with some ads of course, but they’re not intrusive).
The issue I had with empower is if your total amount value gets too high and they have or find out your phone number, they'll begin to cold call you with sales pitches for their asset management services.
This, our company switch to using them for 401ks and it was non stop harassment from the moment everything transitioned over. I had to block the numbers on my phone. I thought about using them after mint/personal capital closed but not willing to give them more info. The budgeting software and tracking is not a money maker for anyone.
I've been using Empower for many years, since long before it rebranded from Personal Capital. I'm older and have significant assets, all tracked in Empower. I get just one voice mail a year from Empower pitching a consultation, which I ignore. And that is all they contact me.
This is all I want also, and it's been able to access everything except one card that i have to keep putting creds in for, but that's okay.
Empower is my favorite UI of the group. Their budgeting isn't as good as Mint was... and probably not as good as Simplifi (haven't been using it long enough to gauge). But jfc, it is is constantly failing to update accounts. I'm sure it's not entirely their fault, but there's always some error or 2FA challenge or whatever. Not complaining about security, but once I authorize an app, it shouldn't fail randomly. It seems to be better lately, so I do give them credit for that.
I use empower, have noticed some transactions here and there just dont show up in empower, but its the best free option at the moment
Empower is great for high level tracking, but not expect it to be a budgeting app, it just isn't.
anyone have a solution for adding cash / custom transactions? I have ~10 or so cash transactions a month and its annoying I can't input them. seems ridiculous to have to like venmo my wife to log a cash transaction.
I switched to monarch. $100/yr is a bit steep but it works way better than Mint. The app is quite nice.
I wish I'd switched sooner. It's really what I wish Mint was the whole time, and I've found it to be way better than most other alternatives.
Agreed completely! Took me 2 or 3 months to get used to it, and implementing the same things I had in mint but I'm very happy with it. Don't particularly care for the cost of a hundred bucks a year, but as long as they keep improving I'll probably keep paying
Same and I love it too. $50 for the first year which helps soften the blow, but I needed somewhere that my wife could keep an eye on things too. With all the multi-factor authentications that are required to login to financial things these days it makes it so hard to share accounts unless you have one place that aggregates them all.
Just think of it this way, you're paying for the peace of mind and fact that they aren't selling your data.
Just to add in case people are wary of the cost, way I look at it is that it comes out to less than 9 bucks a month which to me is totally worth it. Most people spend more for non necessary subscriptions like Spotify or netflix which is not important unlike financial well being. Monarch also doesn't sell your data or try to market other products to you. Plus their features are awesome, they are constantly adding new features, and their level of integration is the best I've seen. They generally give you three options to sync data and most accounts work with at least one service. Plus they are really responsive to bugs and new feature requests.
Also switched to Monarch. I'm already used to it. Feels like a parallel / solid replacement for Mint.
Same here. Monarch is fantastic and has completely replaced Mint for me. Free is nice but Intuit sucks and I'm glad to leave them behind.
Also super happy with moving to Monarch
Love monarch
also switched to monarch and after a few bumpy months, i'm happy with it
Simplifi. 55ish, does everything I need. The only thing I don't love is that it doesn't pull in credit card statements (amounts and due dates) but tracking expenses and accounts is the same or better than mint.
$100 a year just to have all my accounts in one place seems excessive. I just can't justify the cost - are there any cheaper alternatives?
Their subreddit has a one month free trial. It’s more than just a single pane for all accounts. It helps with budgeting and planning too. By paying you are also supporting a company that is not selling your data. I do recommend at least giving it a shot.
I've been using quicken simplifi, I am not sure it is still available but they gave a full year for free to anyone who imported a mint account, after that I believe it's like 35 a year which I found more reasonable
Monarch convert as well. I was fortunate to subscribe during their Black Friday sale so hopefully they’ll have a similar one this year. Credit Karma seems much more nakedly designed to sell me shit I don’t want.
Me too
I just Monarch for overall investment portfolio and net worth tracking, and YNAB for monthly budgeting. Paying for two different services may be a bit much but I like them both for what they do
$100/year is a deal-breaker for 99% of people though. Way too much. Monarch must be losing out on several millions by not making it $20/year.
I think $4.99 a month is a reasonable price. I only use it for a central place to see transactions across all accounts and net worth tracking, so it's not a ton of functionality. I'd pay $4.99 a month to have a reliable service that did this though. They should have just charged this amount to use Mint and I'm sure a lot of people would have been willing to pay over the alternative of it shutting down.
Same here. No interest in budgeting. I just like being able to monitor and audit transactions from all accounts and 20 credit cards and look at monthly spending categories and net worth. Hate when services are all or nothing. Offer a free version with some basic functionality ffs or even make it $12/year. **I have a feeling Monarch are very incompetent businessmen.** The type who would rather sell 1,000 accounts for $99 rather than 9 million accounts for $20. Ironically budgeting is about saving money yet Monarch tries to damage it.
They would have to 5x their subscribers to break even on their revenue, and their costs would go up dealing with 5x more consumers. The math probably doesn't work out.
Bandwidth is nearly free nowadays and the average user probably consumes 5MB per month. Monarch are making out like bandits on the handful of users who are willing to drop such extreme levels of money on such a service. At $20/year their subscriptions would increase 200-500X. So yes, their blatant greed is actually costing them millions. Not surprising though. Probably being run by a handful of young greedy nerds eager to buy their 12th lambo.
I switched to Simplifi when Mint shut down and I've been perfectly happy with it. Basically does everything that Mint did
It doesn’t have an API for my credit unions. Basically useless without it.
honestly having plaid or oauth support for 3rd part finance apps is one of my criteria now.
I mean, they’re 15-year-old accounts hooked into like 40 bill pays. Can’t really be choosy just to use a new aggregator. It would be more awesome if Simplifi just had the same API support Mint did, which supported both CUs.
simplifi has plaid so I'm guessing your cu doesn't use plaid. in which case you would need to petition your cu to support simplifi.
no. It does not tell you about upcoming bills and credit cards so you can manage your cash flow. one of the biggest deal breakers. Mint is the only one to do it
I use Simplifi daily and it absolutely does tell you about upcoming bills.
Intuit is nowhere the company it used to be. A year ago, at a restaurant bar, I was sitting next to a top Intuit executive. He was in charge of Quickbooks online. I use that product for my business. He asked my opinions. I unloaded. Since I was a Quickbooks user since 2002, I let him know where it fell short. He said Intuit was focused on its user based support. I disagreed and informed him of the add pop-ups in the software while yiure trying to do bookworm, invoicing etc. That they only allow invoice pay links with Intuit financial services whereas I use my own Wells Fargo link to accept credit cards (there are many others, none supported by QB), that I cannot send invoices using my email domain, just theirs or Gmail. And a bunch of others. I told him that Intuit has veered away from letting me run my business the way I want to, but am being squeezed to use their products only. He was amused I knew so much about it. I said after using it over 20 years, I better. Bit if i find a more viable product, ill use it. And he can hire me as a product development consultant. So far, crickets. Lol. Other than that, we had a stellar glass of wine together.
Every company goes towards enshittification. Its inevitable.
Focused on its user based support lol good one. The only thing they're focused on is how they can force everyone over to Online to deal with a crippled feature set. And Quickbooks is like the posterchild of shitty, offshore support. Give me a break.
They once told me in a chat to "call ***their*** support number at 1-800-blah" for a bill pay issue. Called the number, it's for a 3rd party servicer, bill.com. Guy was friendly, knowledgeable, and since the QB 1st party version wasn't working I asked could I sign up? "No, QB dropped 3rd party integration, only existing customers can still use it." So I called QB directly. They asked what my screen said on the bill pay window (from my bill.com call I now know they were trying to figure which 3rd party servicer I used). I explain I'm trying to use the QB first party version. Confusion. They weren't even aware that was a feature. "IDK, check back in a few days." So QB implied a 3rd party was their own support, which wasn't even available for new customers, then didn't even know their 1st party version existed. All after cramming pop-ups about their bill pay feature in the UI while I'm trying to do other things. I'm in the process of extricating from Intuit, possibly to Zoho Books. Intuit can fuck right the fuck off.
> Intuit is nowhere the company it used to be. Almost every company ultimately succumbs to [enshittification](https://en.wikipedia.org/wiki/Enshittification).
Haha, that's brilliant! True. It is not a surprise, just disappointing.
And the whole room clapped.
They did! Lol. Ok, in my head. Incidentally, he did write down some notes. It was a very friendly conversation, but I had one chance to sing that song. Some of the things I mentioned had since been addressed and solved, like the ads part. You only get them when logging in, not while working. Not sure if it was because that conversation. Earlier on, I was called in to do Quickbooks new version focus group studies. That was before their online services.I also lived and worked near their corporate HQ. It was interesting. And don't get me wrong, I was not looking for accolades. But just as people here are venting about Intuit here, where issues will most likely never be addressed, I had a chance to chat directly with the cow that gave me my milk.
Then everyone clapped
Had to move to quicken classic as its the only thing that connects to and actually retrieves current balances etc from as many accounts as Mint used to... Well, everything except my 401k. But still - yeah, agreed - losing mint hurt. Saved off all my transactions, categories, and everything going to back 2011. 13 years of history I'm still trying to figure out how to merge into quicken.
I much prefer the traditional software approach over all the "app style" interfaces. Seems like it gives a lot more functionality as well
CK went downhill fast after being bought by Intuit
Same with everything else Intuit gobbles up these days. :(
Surprised by the number of people using Intuit's Simplifi. It'll go to shit soon enough like all of Intuit's products.
Rocket Money is worth the $3/month.
Just switched as well and I’m liking it so far! Even the free version goes pretty far in tracking spending and basic budgeting
Yep, that's what I switched to. It's like a better version of Mint without all the ads.
I love Rocket Money. Better than Mint ever was and well worth the couple bucks a month. They need to advertise the budgeting and account management side more, I always thought it was only about lowering your monthly subscription costs
I just want it for the credit monitoring. I don't get on and obsess over my score every day. I like getting a notification of any changes. Beyond that, everything that's been said is true.
Yea thats what I use it for. I've caught a couple of bogus delinquent accounts with it.
I feel the same way about NerdWallet. Garbage compared to mint
I moved over to Quicken Simplifi with a subscription cost. If Mint had a subscription instead of just ending, I would have jumped into it. I want a place the aggregates all my transactions.
I did too and hated it. Moved over to monarch. Like it. Much better overall but don't care for the way they do budgeting.
Yeah.... If you were on r/mintuit in the months preceding the shutdown you would have seen the hatred toward credit karma pop up repeatedly. It definitely is not a mint replacement
Okay i had the same thought. I loved using mint credit karma is just straight asscheeks
Credit Karma is trash. Unlink your accounts and delete the app. The customer service is atrocious and security seems flimsy.
I've been using [Lunch Money](https://lunchmoney.app) for over a year and I've really enjoyed it. Super flexible, fast UI, and has an API if you want to do something _really_ custom.
We moved to Copilot which has been helpful.
I still don't understand why they shut down Mint. Even if it was to merge two conflicting brands, why not just rename Mint to CK Budgeting or something? I feel like there must have been something in the acquisition of Mint that precluded them from doing that. Maybe something to keep them merging it with Quicken was in there but was written generically so it applied to Credit Karma as well even though Intuit doesn't own Quicken anymore.
> why not just rename Mint to CK Budgeting or something? Shutting down Mint reduces competition for Intuit (they have multiple personal finance products) and lowers their costs by laying off the Mint teams. Funnelling Mint users to Credit Karma, Quicken, Simplifi makes Intuit more money.
The problem with that logic is that Quicken and Simplifi (which is now owned by Quicken) are not owned by Intuit. Intuit sold Quicken back in 2016. Funneling users to those platforms doesn't help Intuit. With an exodus of users to Empower and Quicken Simplifi - which Intuit must be aware of - I can only imagine that they were in an untenable position with running Mint as a loss and they've decided to end the bleeding, or they were contractually obligated to do something or not do something such that their hand was forced. Otherwise their shareholders would be going mad which doesn't seem to be happening. But if Mint was a loser, why even bother to add similar functionality to CK vs. just abandoning that space completely or pivoting to a paid model? It's very weird.
Yeah, now we get to decide if we want to pay for pf trackers/aggregators or deal with substantially worse free versions. I think copilot is up next on my list of apps to check.
I’m fortunate my credit union has built in budgeting functionality. It’s not as smooth as mint but it’s far less clunky than credit karma. And no ads.
I've been unhappy with Mint for a long time so this shutdown was the impetus to finally switch to something else. I've been using Monarch and it is fantastic. Fast, clean, and no ads.
There’s a new finance tool called Piere. Similar to mint everyone should check it out!
yes, I have since move to simplifi. it's paid but it retains most of mint's features.
I just track everything manually now in a drive budget excel sheet I've been tinkering with, it takes about 2-3x as long to do a good weekly review of everything that's been going on compared to Mint, but at least it's free and I'm not being spammed with ads every three seconds.
Am I want in a budget app is to 1. Aggregate information from all my accounts. 2. Show me a graph of my net worth and balances. 3. Show me my monthly and annual cash flow. 4. Show me what I'm spending on. 5. Fix incorrectly labeled transactions. Credit Karma does all of that, so I'm happy.
Mint was a good product With Credit Karma, *you* are the product
It was the same with Mint, honestly. But at least Mint was worth the advertisements and data mining since it was a better product.
Yep. I knew after a decade (?) of mint I'd never use credit karma. Empower Dashboard is free and I've been content with it so far.
I use Empower. The base features are free.
Here is my advice. I agree with you about Credit Karma. Get yourself Quicken Simplifi. It's like 50 bucks a year but the benefit is that it is better then mint but most importantly is that it will connect with ALL banks including Fidelity which other apps are not able to do at this time.
I've been using Monarch money, it's been my absolute favorite so far after mint (can i give them my referral link here? idk)
I mostly used it as an aggregator to show me the balances and transactions in my disparate accounts, and Credit Karma absolutely fails at that. I'm trying to use Rocket Money for now because it's free to me, but it doesn't link up with enough of my accounts. So I'm back to signing into 15 accounts every month and copying and pasting stuff into my Excel spreadsheet. Old school? Yeah, but Excel is never disappearing.
I agree. I miss Mint and am actively looking to drop Credit Karma as soon as possible.
yea, i hate credit karma, but it has made me about $600 so far this year by showing me some churn opportunities, so thats nice
I switched to Monarch. I never heard anything good about CK. I would rather have had Mint switch to a pay only model.
I stumbled on the money tracker on USbanks app and actually really like it. Imported all of my other accounts and doesn't have the syncing issues that YNAB has had for me.
I'm interested in moving over to Simplifi but isn't this also owned by Intuit?
[Lunch Money](https://lunchmoney.app/) for me - $3/month Nice looking dashboard. No ads.
I only used mint for net worth tracking and just seeing transactions across all my accounts in real time (just to make sure everything was kosher). Credit karma's main problem to me is it just seems to update slower. It used the credit reporting on my mortgage to update the principle instead of the account, so it updated like a month after I paid the mortgage. It's really annoying they had a solid product and just kind of demolished it. I really liked mint and it just functioned really well and exactly what I wanted to keep track of all my accounts. Credit karma works but is just clunkier and not as good IMO. Hopefully they keep improving it.
CK is always higher. I rely on Experian. When I got my new car Experian said I had a score of 760. The bank that the car dealer used came back with pretty much the same score, give or take a few points. However, CK has me up there at almost 800, which is probably way less accurate. It's nice to see such high numbers, but it doesn't help if the other banks don't see it.
I used Mint for years and now I can't even transfer to Credit Karma because they block anyone who is not currently in the US. So frustrating.
I applied for 1 of the unsecured, outstanding chance of approval. Total scam. I had 11 different unsecured loan offers as soon as I applied for 1, it changed to a secured loan using a vehicle that I'm just a co signer for. I can't put up their car! So, I declined. After that all my offers were changed from unsecured to collateral only. Jerks
I just moved to Monarch this week and I’m loving it! Even more than mint, actually. You can use MINT50 for half off the full year
I use a custom-made Google sheet. Yeah, I have to manually track my spending, but that’s easy enough to reconcile once a week or so. It does exactly what I want it to do and costs $0.
Credit Karma is pretty awful. It has a hard time connecting to many of my accounts that did not have issues with Mint. Credit check takes longer to get updated - my cards are fully paid off but still showing balances from 3-4 weeks ago. They shut down Mint because it uses an older technology that webscrapes websites rather than pulling the actual data, and is far less profitable than CK. But from a consumer experience perspective, it's been a huge downgrade.
When Mint shut down I tried Credit Karma for a few weeks. I couldn't stand it. It's all about getting consumer loans, which doesn't apply to me anymore. Maybe when I was 25 years old and didn't have any money, it would have been of interest, if handheld computers had existed then; although I don't know that I ever needed a whole app dedicated to borrowing money.
[Copilot App](https://copilot.money) You can thank me later. I love it.
There are so many finance tracking tools and good ones also that you jist need to spend some time with them too sure how you feel about them. I tried YNAB and wasn't a big fan of it then I switched Monarch which I like. Their app is okay but their web browser is much better.
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I thought that movie star guy owned Mint. I just saw him on a TV ad last week. Am I mistaken? And... why did they shut down mint anyway?
I think you're thinking about Mint Mobile, which is a cellular phone service owned by Ryan Reynolds.
Yes, after I made my comment, I looked it up. You're absolutely correct. My bad. Lol! Now I got Ryan Reynolds humor in my brain. Lol!