Mint Is Gone. Here's What Comes Next.

Mint shut down on March 23, 2024. If you're reading this, you probably already know that. You might have used it for years. You might have loved it. A lot of people did.

Intuit moved everyone to Credit Karma, but Credit Karma isn't a budgeting app. It can show you spending broken down by category and compare it to last month, but it can't create a budget, set savings goals, or tell you what to do with what it finds. It's a monitoring tool. If you came from Mint expecting a replacement, you didn't get one.

So now you're looking for something new. This page is for you.

What Mint Actually Did Well

Mint deserves credit. It made budgeting accessible to millions of people who would never have opened a spreadsheet or read a personal finance book. It was free. It connected to your bank. It showed you where your money was going in clean, colour-coded charts. For a lot of people, Mint was the first time they ever saw their own spending laid out clearly.

That matters. Visibility is a real thing. Knowing you spent $400 on dining out last month is useful. Mint gave people that.

Where Mint Stopped

The thing Mint never did was tell you what to do about it.

You'd open the app, see your spending categories, maybe notice you went over budget on groceries again, and close the app. There was no system behind the numbers. No priority order. No "fix this first, then this." Just data.

That's not a knock on Mint. It was a tracker, and it was a good one. But tracking and fixing are different problems. Mint solved the first one. The second one was always on you.

What YourDigits Does Differently

YourDigits isn't a tracker. It's a diagnostic system built around the Leak Ladder, a priority-ordered framework of 9 financial leaks.

Here's how it works: you take an 11-question audit. The system detects which leaks you have. Things like not having an emergency fund, carrying high-interest debt, missing your employer's retirement match, or not saving for goals. Then it puts them in priority order and generates tasks for each pay cycle.

You don't just see where your money went. You see what's wrong and what to fix first.

The Practical Differences

	Mint (was)	YourDigits
Core function	Spending tracker	Leak detection + prioritised fixing
Philosophy	Show where money goes	Find what's leaking, fix in order
Input method	Bank import (Plaid)	Voice entry (on-device, 5 seconds)
Bank login	Required	Not required
Budgeting	Category-based spending limits	Pay-cycle tasks generated from your leaks
Health score	None	0-100 based on leaks plugged
Adaptive targets	No	Yes, adjusts based on your performance
Ads	Yes (ad-supported, free)	No ads
Data model	Your data funded the product	Your data stays on your device
Pay-cycle alignment	Monthly only	Weekly, fortnightly, monthly, irregular
Status	Shut down March 2024	Actively developed
Pricing	Free (ad-supported)	Free tier + $5.99/mo or $39.99/yr
Platform	Was web + iOS + Android	iOS

The Privacy Thing

This one's personal for me.

Mint was free because your financial data was the product. Intuit used it for targeted ads, credit card offers, loan recommendations. That was the deal. You got free budgeting. They got a detailed map of your spending habits.

I'm an accountant. I've seen what financial data looks like from the other side. When I built YourDigits, I didn't want any version of that deal. No bank login. No Plaid. No transaction data leaving your phone. Voice recognition runs on-device using your phone's processor. Your spending data lives in your phone's local storage and your iCloud backup. That's it.

It's not because bank-linked apps are evil. Plenty of good apps use Plaid. It's because I wanted to build something where the answer to "who has my financial data?" is just "me." If that matters to you too, it's worth knowing that's how this works.

What the Leak Ladder Actually Looks Like

If you used Mint, you're used to seeing categories: groceries, dining, transport, entertainment. The Leak Ladder thinks differently. Instead of "where did money go," it asks "what structural gaps exist in your finances."

The 9 leaks, in priority order:

1. No budget confirmed for your pay cycle
2. No starter emergency fund (even a small buffer)
3. Missing free retirement money (employer match you're not capturing, or super not tracked in AU)
4. High-interest debt (anything at 7% APR or above)
5. No full emergency fund (3-6 months of expenses)
6. Other debt (lower-interest, but still a drag)
7. No savings goals (nothing concrete you're working toward)
8. Not saving enough for retirement (beyond the match)
9. Not investing beyond retirement (building wealth long-term)

The audit figures out which of these you have. The system generates tasks for the ones that matter right now and pauses the ones that don't. If you have high-interest debt, for example, the retirement savings leak is paused with a message: "Clearing debt first." You don't have to figure out the order. The Leak Ladder handles it.

Mint would have told you that you spent $180 on debt payments last month. YourDigits tells you which debts to target, how much to pay this pay cycle, and when to move on to the next priority.

Switching from Mint (or Credit Karma)

If you still have your Mint data, good. If Credit Karma migrated your account balances and transaction history, that's useful context. But you don't need any of it to start with YourDigits.

The Know Your Digits quiz takes about 3 minutes. It asks 11 questions about your financial structure, not your transaction history. Do you have an emergency fund? Are you capturing your employer match? Do you have high-interest debt? The answers detect your leaks and generate your Health Score (0-100).

You're not importing old data. You're diagnosing where you are right now.

Who YourDigits Is Best For

YourDigits is a good fit if you:

• Used Mint for visibility but never changed your behaviour based on what you saw
• Want something that tells you what to do, not just what happened
• Don't want to share bank credentials with another app after the Mint shutdown
• Have tried budgeting apps before and quit (the Leak Ladder is built for people who've quit)
• Want your budget aligned to when you actually get paid, not calendar months
• Prefer speaking transactions over typing them or linking accounts
• Care about keeping your financial data on your device

It's not the right fit if you need Android or web access (YourDigits is iOS only for now), or if you want a comprehensive financial dashboard with investment tracking and net worth (that's more Monarch's territory).

What If You're Still on Credit Karma?

Credit Karma is fine for what it does. Credit score monitoring, spending visibility, tax filing. If that's all you need, it works.

But if you opened Credit Karma expecting Mint's budgeting features and felt like something was missing, that's because it is. Credit Karma doesn't create budgets, set savings goals, track subscriptions, or give you any system for improving your finances. It shows you data. That's the same gap Mint had, just with fewer features around it.

The Leak Ladder fills a different gap entirely. It's not trying to replace Mint's tracker. It's trying to do the thing Mint never did: tell you what to fix and in what order.

Find Out Where You Stand

Take the Know Your Digits quiz. It's free, takes 3 minutes, and shows you which financial leaks you have plus a Health Score from 0 to 100. No signup, no bank connection. Just honest answers and a prioritised list.

If the results click, download YourDigits free on the App Store. If you just want the score, keep it. The score alone is worth the 3 minutes.