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 | 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 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) | $19 one-time blueprint, then optional $49 / $129 / $249 per month (Spark / Compass / Atlas) |
| Trial / money-back | Free product (was), no refund concept applied | 3-day money-back — email hello@moneysmith.agency |
Cells about Mint reflect Intuit's public sunset announcement (March 2024) and contemporaneous reporting. Mint is no longer live. Spot something stale? Email hello@moneysmith.agency.
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 $19 once and decide on a tier after you see the blueprint.
MoneySmith pricing
AI Wealth Coach
Your money coach. Available 24/7.
Money decisions happen every week. Your coach knows your blueprint and answers when it matters.
4.9avg rating·100+ blueprints delivered·3-day money-back
Spark
Start your wealth coaching journey
$43/month
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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Most Popular
Compass
Most popular — full guidance system
$114/month
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
$219/month
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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Compare plans
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 |
Spark$49/mo
- 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
Compass$129/mo
- 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
Atlas$249/mo
- 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
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 hello@moneysmith.agency 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.
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