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Looking for a Mint alternative?
In October 2023 Intuit announced that Mint was going away and invited users to move to Credit Karma, and Mint’s site now says it has been “reimagined on Credit Karma”. If what you miss is a free app for planning a monthly budget, BudgetByChat is built for that.
The short answer
Credit Karma is focused on credit scores and accounts. If you want a free, hands-on monthly budget with goals, net worth and debt planning, especially across currencies, BudgetByChat covers what most former Mint users relied on, without a subscription.
Side by side
| Feature | BudgetByChat | Mint |
|---|---|---|
| Status | Active and free | Mint is no longer available; its users were moved to Credit Karma |
| Price | Free (full web app) | — |
| Budgeting | Zero-based budgeting, monthly plan per category | — |
| Currencies | 30 currencies in one budget, converted at live rates | — |
| Bank connection | No bank connection needed: log by hand, import nothing, export CSV/PDF/Excel any time | — |
Mint details checked on 10 October 2026 on Mint’s own pages (see sources below). Prices can change; check before you buy.
When Mint is the better choice
- You mainly want to monitor your credit score and connected accounts in the US: Credit Karma is where Mint’s users were sent.
When BudgetByChat is the better choice
- You want a real monthly budget where you plan spending in advance, not only a record of what happened.
- You want savings goals, net worth and debt payoff in one free app.
- You manage money in more than one currency.
Switching takes a few minutes
- If you still have an old Mint export, keep it for your records.
- Create a free BudgetByChat account and pick your currency.
- Add your accounts and this month’s budget; it takes about two minutes with a template.
Questions
Sources
- Credit Karma: Intuit Credit Karma welcomes all Minters (Oct 31, 2023) · checked 10 October 2026
- mint.intuit.com · checked 10 October 2026
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