vs · Mint (sunset 2024)

Mint shut down. MoneySmith picks up where it left off.

Mint had ~25 million users when Intuit retired it in March 2024. MoneySmith isn't a Mint-shape tracker — it's the strategic cousin Mint never shipped: a personalized blueprint in five minutes and an AI coach for the decisions categories can't answer.

At a glance

	Mint	MoneySmith
Core method	Bank-sync spend tracker with category budgets — ROI-blind	Personalized blueprint with ROI-prioritized actions
Personalized blueprint deliverable	No — in-app dashboards only, nothing to keep	Printable blueprint, yours forever
ROI-prioritized actions	Categorized transactions, not ranked moves	Each blueprint sorts moves by expected payoff
AI coach	No — static charts, alerts, and tips	On-demand AI coach grounded in your blueprint (Spark and Compass)
Quiz-based onboarding	No — onboarding was a Plaid bank-sync setup	Yes — every plan starts with the 60-second quiz
Time-to-first-value	Days — bank links + transaction history rebuild before insights surfaced	About 5 minutes from quiz to blueprint
Status	Sunset March 23, 2024. Existing users were migrated to Credit Karma; the Mint app and mint.com features are gone.	Live and shipping — see /whats-new for the latest changes
Bank sync	Was Plaid-style direct sync across many institutions (now retired)	Manual inputs via the quiz — no bank connection required
Pricing	Was free, ad-supported (now retired)	$99 one-time blueprint, then optional $49 / $129 per month (Spark / Compass)
Trial / money-back	Free product (was), no refund concept applied	3-day money-back — email support@qol.one

Cells about Mint reflect Intuit's public sunset announcement (March 2024) and contemporaneous reporting. Mint is no longer live. Spot something stale? Email support@qol.one.

When a Mint-shape tool wins

You want a daily spend tracker, not a blueprint.

You loved Mint for bank sync, category budgets, and the bills calendar. That job is what daily trackers are built for.
Look at Monarch, Copilot, or Rocket Money — they're the closest in shape.
Your job to be done is “keep me on my budget this month,” not “tell me which moves to make this quarter.”
Stack one of those with MoneySmith if you want both — they don't conflict.

When MoneySmith wins

You want a strategic blueprint, not a category dashboard.

You already know roughly where your money goes. You want to know which moves to make first.
You want an AI coach for ad-hoc decisions: raise asks, debt payoff order, side-income picks.
You don't want to log expenses every day or babysit categories — Mint always felt like work.
You'd rather pay $99 once and decide on a tier after you see the blueprint.

MoneySmith pricing

AI Money Coach

Your money coach. Available 24/7.

Money decisions happen every week. Your coach knows your blueprint and answers when it matters.

Cancel anytime·3-day money-back

Spark

Start your money-habits journey

$43/month

Billed every 3 months · $129/qtr

AI money coach chat, up to a daily limit
Foundation lessons and goal tracking in your dashboard
Cancel anytime

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Compass

More coach time, plus the full Signal Map

$113/month

Billed every 3 months · $339/qtr

Everything in Spark
4× Spark's daily coach chat limit
Two more lesson modules
Full Signal Map access — sample data while it is rebuilt
A new coach prompt on your dashboard each week

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3-day money-back guarantee. Cancel anytime, one click.

Education and budgeting tools. Not financial, investment, tax or legal advice. MoneySmith is not a registered investment adviser.

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Compare plans

Spark vs Compass

Every coaching feature, side by side. No fine print.

Feature	Spark	Compass
AI money coach chat
Daily chat limit	Standard	4× Spark
Lesson modules	1	3
New coach prompt on your dashboard each week
Full Signal Map access (sample data for now)

Spark$49/mo

AI money coach chat
Daily chat limitStandard
Lesson modules1
New coach prompt on your dashboard each week
Full Signal Map access (sample data for now)

Compass$129/mo

AI money coach chat
Daily chat limit4× Spark
Lesson modules3
New coach prompt on your dashboard each week
Full Signal Map access (sample data for now)

Common questions

Are you affiliated with Mint or Intuit?

No. MoneySmith is an independent product. This page is an honest comparison so an ex-Mint shopper can decide what to use next — not an endorsement, partnership, or attack. Every cell about Mint reflects public facts from Intuit's Mint sunset announcement (March 2024) and contemporaneous coverage; we hedge anything that's drifted.

Will I get a refund if I don't like MoneySmith?

Yes. Every paid MoneySmith plan is covered by a 3-day money-back guarantee. Email support@qol.one within 3 days of the charge and we refund in full. See /refund for the full policy.

Can I replace Mint with MoneySmith?

Honestly — not directly. Mint's daily job was bank-sync transaction categorization and category budgets. MoneySmith doesn't do that, on purpose. If you want a Mint-shape replacement, look at Monarch, Copilot, or Rocket Money for daily budgeting. Pair one of those with MoneySmith quarterly for the strategic blueprint and the AI coach for ad-hoc decisions. Different tools, different jobs — they stack cleanly.

Is MoneySmith a financial advisor?

No. MoneySmith is a planning aide. We're not licensed financial advisors and we don't give regulated financial advice. For decisions that need a fiduciary (retirement planning, complex tax, estate planning), see a CFP. The MoneySmith blueprint helps you get organized for those conversations.

What happened to Mint?

Intuit announced in late 2023 that Mint would shut down on March 23, 2024. Existing Mint users were migrated to Credit Karma (also Intuit). Mint's full budgeting feature set — category budgets, custom budgets, bills calendar — was not carried over to Credit Karma in full, which is why the ex-Mint user base scattered to Monarch, Copilot, Rocket Money, YNAB, and adjacent tools.

Start with the free money compass

Take the 60-second quiz.

The money compass is free. Your blueprint is a one-time purchase from $99, yours to keep, with a 3-day money-back guarantee. The coach tiers are optional.

Start the money compass →