// vs · Mint (sunset 2024)
Mint shut down. MoneySmith picks up where it left off.
Mint had something like 25 million users when Intuit retired it in March 2024. It was free, bank-sync-first, and beloved as a spend-tracker. MoneySmith is not a Mint replacement in that shape — Credit Karma, Monarch, and Copilot fill the daily-tracker job. MoneySmith is the strategic-blueprint cousin Mint never shipped: a personalized PDF in 5 minutes and an AI coach for the decisions categories alone won'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 PDF deliverable | No — in-app dashboards only, nothing to keep | Printable blueprint PDF, 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 | Always-on AI coach grounded in your blueprint (Compass / Atlas) |
| 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 PDF |
| 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) | $19 one-time blueprint, then optional $49 / $129 / $249 per month (Spark / Compass / Atlas) |
| Trial / money-back | Free product (was), no refund concept applied | 7-day money-back, no questions — email support@moneysmith.one |
Cells about Mint reflect Intuit's public sunset announcement (March 2024) and contemporaneous reporting. Mint is no longer a live product. If you spot something stale on this page, email support@moneysmith.one.
// when a Mint-shape tool is what you actually need
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 is the better choice
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 to you.
- You'd rather pay $19 once for a personalized blueprint and decide whether the coach is worth a tier after you see it.
// MoneySmith pricing
Your money coach. Available 24/7.
One-time blueprints work. But money decisions happen every week. Your AI coach knows your blueprint, holds you accountable, and answers questions when they matter.
Spark
Start your wealth coaching journey
Billed every 3 months · $129/qtr
- Money Compass blueprint PDF
- AI wealth coach chat (24/7)
- Monthly mindset check-in email
- Cancel anytime
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Compass
Most popular — full guidance system
Billed every 3 months · $342/qtr
- Everything in Spark
- Full Signal Map access ($99 value)
- Weekly accountability check-ins
- Spending pattern reviews
- Priority chat response
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Atlas
Premium — for people who want a real coach
Billed every 3 months · $657/qtr
- Everything in Compass
- Monthly 1-on-1 Loom feedback from Graham
- Custom asset allocation review
- Direct text/email access
- Quarterly wealth strategy session
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7-day money-back guarantee on your first month. No contracts, no auto-bumps, cancel from your dashboard with one click.
Want to see what the blueprint PDF looks like first? See a sample blueprint →
Spark vs Compass vs Atlas
Every coaching feature, side by side. No fine print.
| Feature | Spark | Compass | Atlas |
|---|---|---|---|
| Money Compass blueprint PDF | |||
| AI wealth coach chat (24/7) | |||
| Mindset check-ins | Monthly | Weekly | Weekly + 1:1 |
| Full Signal Map access | $99 value | $99 value | |
| Spending pattern reviews | |||
| Priority chat response | |||
| Monthly 1-on-1 Loom from Graham | |||
| Custom asset allocation review | |||
| Direct text/email access | |||
| Quarterly wealth strategy session |
- Money Compass blueprint PDF
- AI wealth coach chat (24/7)
- Mindset check-insMonthly
- Full Signal Map access
- Spending pattern reviews
- Priority chat response
- Monthly 1-on-1 Loom from Graham
- Custom asset allocation review
- Direct text/email access
- Quarterly wealth strategy session
- Money Compass blueprint PDF
- AI wealth coach chat (24/7)
- Mindset check-insWeekly
- Full Signal Map access$99 value
- Spending pattern reviews
- Priority chat response
- Monthly 1-on-1 Loom from Graham
- Custom asset allocation review
- Direct text/email access
- Quarterly wealth strategy session
- Money Compass blueprint PDF
- AI wealth coach chat (24/7)
- Mindset check-insWeekly + 1:1
- Full Signal Map access$99 value
- Spending pattern reviews
- Priority chat response
- Monthly 1-on-1 Loom from Graham
- Custom asset allocation review
- Direct text/email access
- Quarterly wealth strategy session
// questions an ex-Mint user asks
Are you affiliated with Mint or Intuit?
Will I get a refund if I don't like MoneySmith?
Can I replace Mint with MoneySmith?
Is MoneySmith a financial advisor?
What happened to Mint?
// try the blueprint first
Take the 60-second quiz.
See your blueprint free. Decide on a paid tier after — or never. The PDF is yours either way.
See my blueprint →