A Mint alternative built for AI and spreadsheets
Connect your bank, ask Claude or ChatGPT about your money, and keep Google Sheets or Excel current automatically.
Competitor details reviewed August 14, 2026 using Credit Karma's Mint transition page.
OpenBudget vs Mint, at a glance
Credit Karma inherited Mint's users but not its budgeting. Here is how OpenBudget compares to what Mint used to do.
What happened to Mint
- Intuit shut Mint down on March 23, 2024 and moved users to Credit Karma.
- Credit Karma tracks credit and net worth, but dropped Mint's custom budgets and bill tracking.
- So switching back to Mint is not an option. The real question is what replaces it.
Why OpenBudget is a real replacement
- Brings budgeting back: category tracking, notes, and rules your AI can set for you.
- Connects the same kind of bank data Mint used, through Plaid, read-only.
- Adds what Mint never had: ask Claude or ChatGPT about your spending, and auto-sync to Google Sheets or Excel.
- One flat price, no ads and no selling your data to lenders.
Built around what your AI can do.
Say it once, it's a rule.
Tell your assistant the right category once. New transactions get it automatically.
Split a charge by what's in it.
Your assistant reads what's in an order and splits the charge into separate parts.
Know exactly what you owe.
Every card and loan in one place, so your assistant can tell you where you stand.
What it costs
$5/mo billed annually ($60/yr), or $9.95 monthly. 7-day free trial. One plan, everything included.
Was free, funded by ads and lender referrals. Shut down in 2024. Credit Karma is free, but it is a credit tool, not a budgeting app.
Questions, answered.
- Is Mint really gone?
- Yes. Intuit shut Mint down on March 23, 2024 and moved users to Credit Karma, which it also owns.
- Is Credit Karma a good Mint replacement?
- Not for budgeting. Credit Karma focuses on credit scores and net worth. It dropped Mint's custom monthly budgets and bill tracking, which is why people still search for a real Mint alternative.
- Can OpenBudget import my old Mint data?
- There is no direct Mint import. You connect your bank through Plaid and your history syncs from there, typically up to about two years depending on the institution.
- Is it safe to connect my bank?
- Bank connections run through Plaid, the same infrastructure behind Venmo and Robinhood. Access is read-only, OpenBudget never stores your bank credentials, and it cannot move money.
- Does OpenBudget have a mobile app?
- You use OpenBudget through Claude and ChatGPT, which run on the web, on desktop, and on your phone, plus your Google Sheets or Excel.
- Do I need a subscription?
- Yes. One plan includes everything: $5/month billed annually, or $9.95 month-to-month, with a 7-day free trial.
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