Mint vs Monarch Money
Mint vs Monarch: What Should Mint Users Do Now?
This is a comparison of a product and its would-be replacement. Mint was the free, ad-supported tracker Intuit shut down in March 2024, folding parts into Credit Karma. Monarch is a polished paid suite many ex-Mint users move to. Since Mint no longer exists as a live product, the honest question is what its old users should do now — and whether Monarch is worth paying for.
Mint vs Monarch Money: feature comparison
Feature comparison of Mint, Monarch Money and Auritrack
| Feature | Mint | Monarch Money | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | No | Auto-categorization rules | Yes |
| Automatic bank sync | YesHad automatic sync (now discontinued) | YesPlaid / MX connections | Premium; US, Canada, Nigeria, Ghana, Kenya and South Africa. Statement import everywhere |
| Bank-statement import (PDF/CSV/Excel) | No | CSV import | YesPDF, CSV or Excel, read by AI |
| Budgeting | Yes | YesFlexible category budgets | Yes |
| Savings goals | Yes | Yes | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies, kept separate | NoUS-focused | NoPrimarily USD | YesEach currency kept separate |
| Data export (PDF/CSV) | Limited | YesCSV | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | Partial | YesNet worth and holdings | No |
| Shared / household accounts | No | YesPartner included free | Yes |
| Sells your data to advertisers | YesAd & recommendation model | No | No |
| Price | Was free (discontinued) | $14.99/mo or $99/yr | Free app + web from $3/mo |
Which of the two should you pick?
Where Mint wins
- It was free, funded by ads and product recommendations
- Automatic bank sync pulled transactions in with no effort
- Simple budgets and clean categories anyone could pick up
- Note: shut down by Intuit in 2024 — no longer a live product
Where Monarch Money wins
- A polished, actively developed suite, unlike shut-down Mint
- Live bank sync via Plaid/MX with investment and net-worth tracking
- Household collaboration with a partner included free
- No ads and no data-selling, unlike Mint’s ad-supported model
A third option: Auritrack
If what you miss about Mint is that it was free and did the tracking for you, but you do not want to pay Monarch’s $14.99/mo, Auritrack sits in between. An AI logs and categorizes your spending from a chat message or an uploaded statement, then holds you to a budget, free on the mobile apps and Telegram (AI pay-as-you-go), or on the web from $3/month. On Premium it connects to banks in the US, Canada, Nigeria, Ghana, Kenya and South Africa; anywhere else you upload a statement.
The verdict
Mint is gone, so this is really about where to land. Choose Monarch if you want a polished, ad-free suite with live sync, investments and household sharing, and do not mind paying $14.99/mo or $99/yr. If what you actually miss is that Mint was free and automatic, an AI tracker like Auritrack gets you closer to that feeling, free on its mobile apps and Telegram.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Mint guide or the Monarch Money 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.