Mint shut down in March 2024 and sent users to Credit Karma — which has no real budgeting tools. Waypoint Budget picks up where Mint left off, with a free tier, bank sync, and smart insights.
No credit card required · 2-minute setup · Free forever plan
A quick timeline for the uninitiated
March 2024 — Mint shuts down
Intuit officially killed Mint after 15+ years, directing millions of users to Credit Karma — an app focused on credit scores and financial product ads, not budgeting.
Users lost core budgeting tools
Budget categories with spending limits, goal tracking, and detailed spending trends — gone. Credit Karma shows transactions but doesn't let you set a budget or track savings goals.
Waypoint picks up where Mint left off
Everything you loved about Mint — free budgeting, bank sync, spending trends — plus modern features like smart coaching and receipt scanning, without the ads.
Waypoint restores what Credit Karma took away — and adds more
| Feature | Mint(shut down) | Credit Karma | Waypoint |
|---|---|---|---|
| Budget categories | |||
| Spending tracking | Basic | ||
| Bank sync | Plus/Pro | ||
| Bill reminders | |||
| Spending trends | Basic | ||
| Goal tracking | |||
| Free to use | |||
| Smart Money Coach | |||
| Receipt scanning | |||
| CSV/statement import | |||
| No ads | |||
| Privacy-focused | |||
| Net worth tracking | Pro | ||
| Retirement account tracking | Pro | ||
| Credit score tracking | |||
| Dark mode |
Waypoint is built for people who actually want to budget
Unlimited manual transactions, all budget categories, smart categorization — no credit card needed, ever.
Connect 12,000+ US and Canadian banks — Chase, Bank of America, Wells Fargo, Capital One, and more — via Plaid. Transactions sync automatically.
Get personalized spending insights and savings tips based on your actual financial data. Mint never had this.
Snap a photo of receipts or upload bank statements. Transactions are extracted and categorized automatically.
See where your money goes with clear charts and category breakdowns. Track spending patterns over time.
Mint made money from ads and financial product recommendations. Waypoint is funded by subscriptions — your data stays private.
Credit Karma is great for credit scores, but it's not a budgeting app
No real budget categories. Credit Karma shows your transactions but doesn't let you set spending limits or track against a budget.
No goal tracking. Want to save for a vacation or pay off debt? Credit Karma doesn't help you plan or track progress.
Ad-driven recommendations. Credit Karma's business model is selling you financial products — credit cards, loans, insurance. Your data fuels those recommendations.
Limited spending insights. Credit Karma shows basic category breakdowns, but the detailed trend charts, month-over-month comparisons, and visual reports that Mint users relied on aren't there.
Waypoint Budget was built to be the budgeting app that Mint should have become — with modern features like smart coaching, receipt scanning, and real privacy.
Start free. Upgrade only if you want bank sync.
$0/month
US$7.99/month
7-day free trial · Cancel anytime
Need more? See all plans including Pro with 5 bank connections, 401(k)/IRA tracking, net worth tracking, and household budgeting.
Mint may be gone, but real budgeting isn't. Start free today — no credit card, no ads, no data selling.
No credit card required · Free forever plan · 2-minute setup