Credit Karma vs Mint
Credit Karma vs Mint: Where Mint Went vs What Mint Did
This is not two rival apps so much as a before and after. When Intuit shut Mint down in 2024, it pushed Mint users into Credit Karma, which it also owns. The catch is that Mint was a budgeting and spend-tracking app, while Credit Karma is a credit-score and product-recommendation app — and the budgeting features did not make the trip. So the real question is not which is better, but whether where Mint went actually does what Mint did.
Credit Karma vs Mint: feature comparison
Feature comparison of Credit Karma, Mint and Auritrack
| Feature | Credit Karma | Mint | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | Categorizes synced transactions | No | Yes |
| Automatic bank sync | YesLinks bank and card accounts | YesHad automatic sync (now discontinued) | On the roadmap; statement import today |
| Bank-statement import (PDF/CSV/Excel) | No | No | YesPDF, CSV or Excel, read by AI |
| Budgeting | NoMint-style budgets were not carried over | Yes | Yes |
| Savings goals | No | Yes | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies with live conversion | NoUS-focused | NoUS-focused | YesLive exchange rates |
| Data export (PDF/CSV) | NoNo real transaction export | Limited | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | Net-worth view, no portfolio analysis | Partial | No |
| Shared / household accounts | No | No | Yes |
| Sells your data to advertisers | YesReferral and recommendation model | YesAd & recommendation model | No |
| Price | Free | Was free (discontinued) | Free tier + AI from $3/mo |
Which of the two should you pick?
Where Credit Karma wins
- Still live, and the official home Intuit moved Mint users to
- Free credit scores and ongoing credit monitoring
- Live bank and card aggregation with a net-worth snapshot
- A credit-card and loan comparison marketplace
Where Mint wins
- Actually did budgeting — Credit Karma did not carry those features over
- Category budgets and savings goals built in
- A simple, familiar spend-tracking experience millions used
- Note: shut down in 2024, so this is what it did while it existed
A third option: Auritrack
Credit Karma inherited Mint’s users but not its budgeting, which leaves ex-Mint users without the one feature they came for. Auritrack rebuilds that side: an AI logs and categorizes your spending from a chat message or an uploaded statement, then keeps you on budget. It runs on a free tier for manual tracking, with AI features from $3/month or pay-as-you-go Auricoins, and unlike Credit Karma it does not sell your data — though it has no live bank sync yet, so you share a statement.
The verdict
Credit Karma is worth keeping if you want free credit scores and a card or loan marketplace, and it is where your Mint login now points. But if you moved there expecting Mint-style budgeting, you will be disappointed — those tools did not carry over. For the budgeting Mint used to do, an AI tracker like Auritrack is a closer replacement than the app Intuit actually sent you to.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Credit Karma guide or the Mint guide, each an honest look at where that tool wins and where Auritrack fits.
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.