Credit Karma alternative
The Credit Karma Alternative for People Who Actually Wanted to Budget
A lot of people landed in Credit Karma because Intuit pushed them there when it shut Mint down. Then they found the budgeting was gone. Credit Karma is a good place to check a credit score and get pitched credit cards, but it does not let you build a budget the way Mint did. If you came for the tracking and budgeting and left disappointed, Auritrack is the alternative that does that part, with an AI doing the logging and no product recommendations riding on your data.
- Pricing verified:
- Jul 2026
What Credit Karma is, and what it quietly stopped doing
Credit Karma is free because it earns referral fees when you sign up for the credit cards, loans and insurance it recommends. That funds a genuinely useful free credit score and monitoring service. But when Intuit moved millions of Mint users across, the budgeting did not come with them. You can link accounts and see a net-worth number, yet you cannot build the category budgets Mint was known for.
Auritrack is built around exactly that missing piece. You log spending in one line of chat, or upload a bank statement and the AI sorts every transaction, then it holds you to a budget. If you want to sketch it out first, the free budget planner and subscription tracker are a good start.
Auritrack vs Credit Karma, side by side
Feature comparison of Auritrack and Credit Karma
| Feature | Auritrack | Credit Karma |
|---|---|---|
| AI chat expense tracking | Yes | No |
| AI bookkeeping & categorization | Yes | Categorizes synced transactions |
| Automatic bank sync | On the roadmap; statement import today | YesLinks bank and card accounts |
| Bank-statement import (PDF/CSV/Excel) | YesPDF, CSV or Excel, read by AI | No |
| Budgeting | Yes | NoMint-style budgets were not carried over |
| Savings goals | Yes | No |
| Invoicing | Small-business records and reports | No |
| Receipt scanning | Yes | No |
| All currencies with live conversion | YesLive exchange rates | NoUS-focused |
| Data export (PDF/CSV) | YesPDF and CSV anytime | NoNo real transaction export |
| Telegram tracking | Yes@auritrack_bot | No |
| Investment tracking | No | Net-worth view, no portfolio analysis |
| Shared / household accounts | Yes | No |
| Sells your data to advertisers | No | YesReferral and recommendation model |
| Price | Free tier + AI from $3/mo | Free |
Credit Karma: honest strengths and limitations
Credit Karma: strengths
- free credit scores and monitoring
- credit-card and loan marketplace
- live account aggregation
- net-worth snapshot
Limitations
- no budgeting since the Mint move
- product-recommendation business model
- US-centric
- no data export
Budgeting, and who is paying for the free
The real gap is budgeting. Credit Karma will show you what you owe and what your score is, but it will not help you plan a month or tell you how much of your food budget is left on the 20th. Auritrack does that as its core job, and it works in any currency on the web, Android, iOS and Telegram.
There is also the question of who the product serves. Credit Karma’s business is recommending financial products, so the incentive is to route you toward whatever pays a referral. Auritrack does not sell your data and does not run a marketplace. You are the customer, not the lead. Run the numbers on your own footing with the financial health quiz.
Where Credit Karma is genuinely better, and who should keep it
Credit Karma still does things Auritrack does not. It shows free credit scores from two bureaus, monitors your credit report and alerts you to changes, and its card and loan marketplace is legitimately handy when you are shopping for one. Auritrack does not touch credit scores or credit monitoring at all.
So keep Credit Karma for what it is good at: watching your credit and comparing products. Add Auritrack for the budgeting and spending control it never really replaced after Mint. They do not overlap much once you see them clearly.
Set up the budgeting Credit Karma dropped
Copy this prompt, create a free account, and paste it into the Auritrack AI chat. It sets up the category budget you lost when Mint moved to Credit Karma, so you can pick up where it left off without the manual entry.
- 1
Copy the prompt
Grab the ready-made setup prompt below.
- 2
Create a free account
Sign up on the web app or mobile.
- 3
Paste into AI chat
Auritrack sets up your budget from it.
The honest verdict
Pick Credit Karma if what you want is a free credit score, credit monitoring and a place to compare cards and loans. Pick Auritrack if what you actually miss from Mint is the budgeting and spending tracking, and you would rather not have your data feeding product pitches. Plenty of people run both. Auritrack starts on a free tier, with AI features on plans from $3 a month or pay-as-you-go Auricoins that never expire.
Where Credit Karma still wins
- free credit scores and credit monitoring
- live bank and card account aggregation
- the credit-card and loan comparison marketplace
Frequently Asked Questions
Compare other alternatives
Mint alternative
The free, ad-supported budgeting and tracking app Intuit shut down in 2024 and folded into Credit Karma.
NerdWallet alternative
Free net-worth and credit-score app and product marketplace, funded by affiliate commissions.
Empower Personal Dashboard alternative
Free net-worth and investment dashboard (formerly Personal Capital) that upsells paid wealth management.
The budgeting Credit Karma dropped
Check your score there. Budget your money here.
Auritrack does the budgeting and spending tracking Credit Karma left behind, with an AI that does the logging and no data selling. Keep your credit score where it is and start Auritrack free.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice. Budgeting app.