A Privacy-First Mint Alternative
Intuit shut Mint down, and a lot of people are still looking for a home for their money. If you want a free Mint replacement that respects your privacy, Money Talks is a calm, ad-free place to track spending, set budgets, and save toward goals.
| Feature | Money Talks | Mint |
|---|---|---|
| Available today | Yes | No, shut down in 2024 |
| Price | Free | Was free, ad-supported |
| Ads | None | Ad-supported |
| Bank connection | No, privacy-first | Required |
| Shared budgets | Yes, couples & family | No |
| Import your data | Yes, CSV | Export before shutdown |
| Platforms | iPhone, iPad, Mac | Was web, iOS, Android |
What happened to Mint?
Mint was a free, ad-supported personal finance app from Intuit that connected to your bank accounts to pull in transactions automatically. In early 2024 Intuit discontinued Mint and directed users to Credit Karma. The original app is no longer available, so millions of people have been searching for apps like Mint to replace it.
Why people choose Money Talks
Money Talks takes a different approach from Mint. There is no signup and no bank login. Instead of linking to your bank, you add transactions yourself or import a CSV. That is a deliberate privacy choice: your data is not pulled from your accounts, there are no ads, and nothing is sold to advertisers. You can start anonymously and the app works fully offline, so your finances stay with you.
The honest tradeoff
Worth being clear: because Money Talks does not connect to your bank, transactions do not appear automatically the way they did in Mint. You enter them as you spend, or import a CSV from your bank or your old Mint export. For many former Mint users that is a feature, not a bug. You get a private, ad-free ledger and a daily habit of seeing where your money goes, without handing over your bank credentials.
Everything you need to replace Mint
Money Talks covers the everyday basics that made Mint useful: budgets with category limits and overspend warnings, savings goals to plan ahead, and shared spaces so couples or families can track money together. It supports 19 currencies with real exchange rates, handles CSV import to bring your history over, and lets you export to CSV or PDF whenever you want. It runs on iPhone, iPad, and Mac with iOS 17 and later.
Is Money Talks the best Mint alternative for you?
If your priority is automatic bank syncing, Money Talks is not trying to be that. But if you want a free, privacy-first way to replace Mint, with no ads, no data selling, and no bank login, it is a friendly place to land. Import your CSV, set a budget, and pick up right where Mint left off.
Frequently asked questions
Is Mint still available?
No. Intuit discontinued Mint in early 2024 and pointed users toward Credit Karma. The original Mint app is no longer available, which is why many people are now looking for a replacement.
Does Money Talks connect to my bank like Mint did?
No, and that is on purpose. Mint linked directly to your bank accounts. Money Talks never asks for your bank login. You add transactions yourself or import a CSV, so your financial data stays private and lives on your device. The tradeoff is that nothing syncs automatically from your bank.
Can I import my old data?
Yes. If you exported a CSV from Mint, Credit Karma, or your bank, you can import it into Money Talks. You can also export your data anytime as CSV or PDF, so you are never locked in.
Is Money Talks free?
Yes. Money Talks is free, with no ads and no selling of your data. You can start anonymously without creating an account.