Honest Comparison

nint vs. Mint Replacement Guide

Mint is gone — here's how nint fills the gap (and where it doesn't)

Mint was one of the most popular free personal finance apps, offering automatic bank sync, budget tracking, bill reminders, and credit score monitoring — all at no cost. When Intuit shut down Mint in early 2024, millions of users were left looking for an alternative. nint is one option, but it takes a fundamentally different approach to personal finance.

This page is an honest look at what Mint offered, which of those features nint covers, and where nint falls short. Not every Mint user will find nint to be the right replacement.

What Mint offered

Mint was known for several key features that made it popular:

Free automatic bank sync: Mint connected to your bank accounts via Plaid at no cost, automatically importing and categorizing transactions.
Credit score monitoring: Mint provided free credit score tracking through TransUnion, with alerts for changes.
Bill reminders and tracking: Mint detected recurring bills and sent reminders before due dates.
Budget tracking: Simple budget categories with automatic tracking based on imported transactions.
Net worth tracking: A unified view of all accounts, assets, and liabilities.
Investment overview: Basic investment account tracking alongside your budget.

Where nint addresses Mint's needs

Budget tracking: nint offers comprehensive budget management with categories, goals, and detailed reports — matching and exceeding Mint's budgeting capabilities.
Transaction tracking: nint tracks all your transactions with smart categorization powered by on-device AI.
Recurring transaction management: nint handles recurring transactions and helps you stay on top of regular expenses.
Reports and spending insights: nint provides detailed spending analytics and AI-powered insights that go beyond what Mint offered.
Free tier available: Like Mint, nint offers core budgeting features at no cost. Unlike Mint, nint doesn't monetize your data.
Privacy-first: Your data stays on your device — a significant upgrade from Mint, which shared data with Intuit's advertising network.

Where nint does NOT replace Mint

No automatic bank sync: nint does not connect to your bank via Plaid. You'll need to enter transactions manually or import CSV/OFX files. This is a deliberate privacy choice, but it means more manual work.
No credit score monitoring: nint does not track your credit score. You'll need a separate service like Credit Karma for that.
No bill negotiation or reminders: nint does not detect bills from your bank feed or send payment reminders.
No investment tracking: nint focuses on budgeting and does not track investment accounts or net worth.
No net worth view: nint doesn't aggregate all your financial accounts into a single net worth dashboard.

nint is NOT for you if…

You relied on Mint's automatic bank sync and don't want to enter transactions manually.

You need credit score monitoring as part of your budgeting app.

You want a single dashboard showing all accounts, investments, and net worth.

You need automatic bill detection and payment reminders from your bank feed.

Feature Comparison

Feature	nint	Mint (discontinued)
Local-first data storage	✅	❌
End-to-end encrypted sync	✅	❌
No data selling	✅	❌
On-device AI coach	✅	❌
Free tier available	✅	✅ (was free)
Transaction tracking	✅	✅
Budget management	✅	✅
Goal tracking	✅	✅
Recurring transactions	✅	✅
Reports & analytics	✅	✅
Manual transaction entry	✅	❌
CSV/OFX import	✅	❌
Bank sync (Plaid)	❌	✅
Credit score monitoring	❌	✅
Bill reminders	❌	✅
Investment tracking	❌	✅
Net worth tracking	❌	✅
Smart categorization	✅	✅
Spending insights	✅	✅

Ready to try nint?

If privacy matters to you and you prefer keeping your financial data on your device, nint might be the right fit. Start with the free tier — no credit card required.

What Mint offered

Mint was known for several key features that made it popular:

Free automatic bank sync: Mint connected to your bank accounts via Plaid at no cost, automatically importing and categorizing transactions.
Credit score monitoring: Mint provided free credit score tracking through TransUnion, with alerts for changes.
Bill reminders and tracking: Mint detected recurring bills and sent reminders before due dates.
Budget tracking: Simple budget categories with automatic tracking based on imported transactions.
Net worth tracking: A unified view of all accounts, assets, and liabilities.
Investment overview: Basic investment account tracking alongside your budget.

Where nint addresses Mint's needs

Budget tracking: nint offers comprehensive budget management with categories, goals, and detailed reports — matching and exceeding Mint's budgeting capabilities.
Transaction tracking: nint tracks all your transactions with smart categorization powered by on-device AI.
Recurring transaction management: nint handles recurring transactions and helps you stay on top of regular expenses.
Reports and spending insights: nint provides detailed spending analytics and AI-powered insights that go beyond what Mint offered.
Free tier available: Like Mint, nint offers core budgeting features at no cost. Unlike Mint, nint doesn't monetize your data.
Privacy-first: Your data stays on your device — a significant upgrade from Mint, which shared data with Intuit's advertising network.

Where nint does NOT replace Mint

No automatic bank sync: nint does not connect to your bank via Plaid. You'll need to enter transactions manually or import CSV/OFX files. This is a deliberate privacy choice, but it means more manual work.
No credit score monitoring: nint does not track your credit score. You'll need a separate service like Credit Karma for that.
No bill negotiation or reminders: nint does not detect bills from your bank feed or send payment reminders.
No investment tracking: nint focuses on budgeting and does not track investment accounts or net worth.
No net worth view: nint doesn't aggregate all your financial accounts into a single net worth dashboard.

Feature Comparison

Feature	nint	Mint (discontinued)
Local-first data storage	✅	❌
End-to-end encrypted sync	✅	❌
No data selling	✅	❌
On-device AI coach	✅	❌
Free tier available	✅	✅ (was free)
Transaction tracking	✅	✅
Budget management	✅	✅
Goal tracking	✅	✅
Recurring transactions	✅	✅
Reports & analytics	✅	✅
Manual transaction entry	✅	❌
CSV/OFX import	✅	❌
Bank sync (Plaid)	❌	✅
Credit score monitoring	❌	✅
Bill reminders	❌	✅
Investment tracking	❌	✅
Net worth tracking	❌	✅
Smart categorization	✅	✅
Spending insights	✅	✅