What happened to Mint
Intuit shut Mint down on March 23, 2024. The end was first announced for January 1, 2024, then pushed back a few months — but the destination never changed: Mint users were directed to Credit Karma, another Intuit product. Credit Karma imported account balances and net worth for users who migrated, and that was roughly where the continuity ended.
What didn’t make the trip: budgets, custom categories, spending trends over time, and the general sense of one place where your whole financial life added up. Credit Karma is built around credit scores and financial product offers, not around the budget-and-net-worth dashboard that made Mint what it was. For a lot of people the migration felt less like moving house and more like being handed a different product with their name already on it.
What Mint users actually lost
Strip away the features list and Mint did one thing that mattered: it put your net worth and your budget in the same place. Your accounts, your spending, your debts, one login. The category totals were sometimes wrong and the bank connections broke more often than anyone liked, but the promise — open one app and see where you stand — was real, and it was free.
That is the gap a replacement has to fill. Not “a budgeting app” or “a net worth app” in isolation, but the combined picture: what you own, what you owe, what you spend, and whether the trend is going the right way. If you haven’t computed the number in a while, our free net worth calculator is the place to start.
The usual suspects — and where they fit
The commonly recommended Mint replacements are genuinely good at what they do, and it is worth being clear about what that is. Monarchis the most direct Mint successor: bank sync, budgets, net worth and investment tracking behind one subscription, built by a team that includes Mint’s first product manager. YNAB is less a tracker than a method — zero-based budgeting where you give every dollar a job — and it genuinely changes behavior if you commit to it. Copilot is the design-forward option with strong AI categorization, currently focused on Apple platforms.
All three share one assumption: that your financial life flows through US banks that an aggregator can connect to. If that describes you and automatic sync is the feature you care about most, any of them is a reasonable choice. But it is exactly where a lot of former Mint users — expats, immigrants, anyone with accounts in two countries, anyone burned by one broken connection too many — fall through the cracks.
How Guaca approaches it differently
Guaca is net-worth-first. Instead of starting from a feed of bank transactions and deriving your position from it, Guaca starts from everything you own and owe: bank accounts and cash, investments in stocks, funds and crypto, precious metals with their actual purity, real estate, vehicles, even domain names — and the debts pulling the other way. Budgets, spending reports and income-versus-expenses views sit on top of that foundation, along with a retirement planner that runs Monte Carlo simulations on your real numbers instead of a guess.
It is also multi-currency native. Every asset keeps its own currency — full ISO support, not a curated shortlist — and totals convert into whatever display currency you choose. If your salary is in one currency, your brokerage in another and your apartment in a third, Guaca is built for exactly that. This is where aggregator-based apps, designed around the US banking system, have always struggled.
And here is the honest part: Guaca does not auto-sync US bank accounts. There is no Plaid connection, which means no sharing your bank credentials with a third-party aggregator and no connections that silently break — but it also means that if zero-touch US bank sync is your must-have feature, Guaca is not that app; Monarch or Copilot will serve you better. What Guaca does instead is make manual capture fast: photograph a receipt and AI reads it, import a PDF bank statement and AI extracts the transactions from every page, punch in a quick entry on the keypad, and let category rules do the filing. You can even reconcile against your statements, the way accountants keep books honest. It works with any bank, in any country, and the data is never stale because a connector went down.
Guaca runs on iPhone, iPad, Mac, Android and the web, and it is offline-first: your data syncs across devices but the app works without a connection.
Who Guaca fits best
- People with money in more than one country. Multiple currencies, banks aggregators have never heard of, assets on two continents — Guaca treats this as the normal case, not an edge case.
- The privacy-minded. If handing your online-banking password to an aggregator never sat right with you, Guaca simply never asks for it.
- Ex-Mint users tired of broken connections. The recurring Mint ritual of re-authenticating a bank that dropped off is structurally impossible here — there is nothing to break.
- Anyone outside the US.Mint never worked internationally and most of its successors still don’t. Guaca’s capture methods — statements, receipts, keypad — work wherever you bank.
- Net worth watchers. If the number you actually opened Mint for was the big one at the top, an app built around that number will fit better than one built around transaction feeds.
How to switch
You don’t need to reconstruct years of Mint history to get value on day one. Start with the balance sheet: add your accounts, investments, property, vehicles and debts with their current balances. That alone gives you back the net worth number, and it takes an evening, not a weekend.
Then backfill as much history as you want with PDF statement import — download a few months of statements from your bank, import them, and AI extracts the transactions so your spending reports and budgets have something to chew on. From there it is maintenance mode: a statement a month per account, receipt photos for cash, category rules for the rest. If part of your Mint habit was long-term planning, the compound interest calculator and the FIRE calculator are free places to sanity-check where your savings rate is taking you.
Frequently asked questions
Is Mint really gone?
Yes. Intuit shut Mint down on March 23, 2024 — the shutdown was first announced for January 1, 2024 and then extended a few months — and pointed users to Credit Karma, which Intuit also owns. Credit Karma imported account balances and net worth for migrating users, but it did not carry over Mint's budgets, custom categories or month-over-month spending trends. The mint.com product no longer exists, so every former Mint user has had to pick a replacement.
Does Guaca sync with my bank automatically?
No — and that is a deliberate choice, not a missing feature. Guaca does not use Plaid or any bank-credential aggregator, so it never asks for your online-banking username or password and there are no connections that silently break. Instead, capture is manual-first but fast: snap a photo of a receipt and AI reads it, import a PDF bank statement and AI extracts the transactions page by page, or use the quick keypad for one-off entries. Category rules then categorize recurring transactions automatically. If automatic US bank sync is a hard requirement for you, an aggregator-based app like Monarch or Copilot is a better fit.
Is manual tracking actually sustainable?
It is when the tools do most of the work. In Guaca a month of transactions usually means importing one PDF statement per account — AI extracts every transaction — plus receipt photos for cash spending, with category rules filing things where they belong. What it costs you is a few minutes per month; what it buys you is data that is never stale because a connection quietly failed, and it works identically in any country with any bank. If you want zero-touch aggregation and you bank in the US, be honest with yourself and pick an aggregator app instead.
Is my data safe and private?
Guaca never has your bank credentials, because it never asks for them — there is no aggregator sitting between you and your bank. Your data is stored offline-first on your device and syncs encrypted across your devices, so the app keeps working even without a connection. Your financial data exists to show you your money, not to be sold or used for advertising.
What does Guaca cost?
Guaca is free to start: you can create an account, add your assets and debts, track your net worth and use budgets without paying. A Pro subscription unlocks automatic price feeds for stocks, crypto and precious metals, plus the AI features like receipt scanning and PDF statement import at higher volumes. There is no charge to get your full financial picture in one place.
