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 + Pro ($39.99/yr) | Was free, ad-supported |
| Ads | None | Ad-supported |
| Bank connection | Optional, read-only (Pro, monobank today) | Required |
| Shared budgets | Yes, couples & family (Pro) | 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 is required to get going: you add transactions yourself or import a CSV, and a bank connection stays an optional extra instead of the price of entry. That is a deliberate privacy choice. Nothing is pulled from your accounts unless you ask for it, 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: Money Talks is not an account-aggregation service the way Mint was. By default you enter transactions as you spend, or import a CSV from your bank or your old Mint export, and for many former Mint users that is a feature rather than a bug. If you want some of the automation back, Pro adds a read-only bank connection that brings up to 90 days of history you choose whether to import, and disconnecting it later keeps everything already imported. One bank is connectable today, monobank in Ukraine, and more are on the way. Either way you get a private, ad-free ledger and a daily habit of seeing where your money goes.
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 (part of Money Talks Pro) 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 you want a free, privacy-first way to replace Mint, with no ads, no data selling, and no obligation to hand over a bank login, this 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?
Not the way Mint did. Mint linked your accounts and that was the whole product. In Money Talks a bank connection is an optional Pro feature you can skip: it is read-only, so nothing can move money, and you approve it inside your bank's own flow, so we never see a login or a password. Everything else runs on transactions you add yourself or import from a CSV, which is why the app works offline and you can replace Mint without connecting anything.
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?
Money Talks is free to download and use for expense tracking, budgets, and goals, with no ads and no selling of your data, and you can start anonymously. Shared budgets, recurring transactions, and accounts are part of Money Talks Pro ($39.99/year, with a 30-day free trial).