Mint Review (June 2024) – Pros, Cons, Features, & Pricing

Mint is no longer accepting new customers and will be closing its app. A great alternative that we recommend is Neo Financial. Sign up for the Neo Card or Neo Secured Card using this link to receive an exclusive $25 welcome offer. Plus get up to 5%+ cashback on your daily spending.

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Last Updated: Jun 05, 2024


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From tracking your credit score to saving up for vacations, offers a one-stop shop answer to all of your budgeting needs. A product of Intuit, Mint has more than 20 years of experience in budgeting and finance. There’s no shame in the tried and true faithful excel spreadsheet.

If you’re looking to level up your money management game then Mint is where you need to be. Mint boasts more than 15 million users.

The company has also recently jumped from the US into the Canadian market, has made its mark on the finance scene as a pretty stellar alternative to your trusty spreadsheet.

Depending on your financial goals and needs could be the answer to finally hitting your budgeting stride and reaching the credit score of your wildest dreams.

With budget suggestions based on your history it pays to use Mint as often as possible.

Is right for you?

If you’re looking for a simple and easy to use, no muss no fuss budgeting tool then look no further, is for you. Connecting to your bank and credit cards is a quick process. Enjoy  the freedom to create your own budget and personalize your experience. hits all the marks for any basic needs you could have. Email notifications update you on your budget and goals.

A summary is presented on your dashboard, tracking all your spending and saving which makes it easy to know where you stand financially.

Upon the initial creation of your account you will be directed to a feature tour and user tutorial. From there you can set up and connect all your accounts to Mint. Once there you can immediately begin managing your finances, it really is that quick.

Connecting your accounts is crucial as you can’t do very much with doing so. Keep that in mind if you’re uneasy about connecting a third party to your bank accounts.

Getting started

Mint makes getting started super easy so that you can get to achieving your goals as fast as possible. The first step is to go to the Mint website.

From there you will click “Sign up Free”. You will then be directed to a page where you will be asked for some information.

Once you enter your email address, phone number and password you will select “Create Account”. Your country and postal code are necessary to move on the final step of your account setup. The most important step is entering you financial information.

Namely connecting Mint to you bank account, bill providers, credit card companies and all the other, if any, financial institutions you are associated with.

Once Mint is done syncing up all your information, it will be time to categorize and import data. Mint will automatically take care of that for you.

Mint’s Reputation

Being a product of Intuit, Mint has been featured on CNBCs “Best Free Budgeting App for Tracking Your Money”, and was given a glowing Mint review. The app itself boasts a 4.9 star rating in the Apple app store.

Business Insider also endorsed Mint as “one of the best budgeting apps of 2021”. Not to mention being a Webby Award winner. The accolades and awards Mint has received are consistent with the service they provide.

It’s no mystery why the good Mint reviews keep rolling in, Mint has been helping its users budget since 2006.

That much time comes with the skills and tweaks necessary to provide the best service possible. As a user myself I can confidently say that there is merit to these Mint reviews.

Is Mint Safe to Use?

Mints parent company Intuit (creator of TurboTax and Quickbooks), has made sure that they provide all the safety features needed to give their customers peace of mind.

They do this by employing the latest security measures, ensuring all of your personal and financial information is safe.

Safety measures such as encryption on its servers as well as a multi-factor verification. The system is also given a good poke and prod by hackers every 3 to 4 months to make sure that security remains robust.

Mint will even send you a notification if there are suspicious transactions or suspiciously large purchases that don’t line up with your usual spending.

While Mint does not sell your information it does gather and sell data. They do anonymize and pool that data to ensure privacy.

There is also a minimum standard of transactions that must be met before the information is sold. Your bank, credit and personal information is never shared, sold or distributed.

The statistics and selling of these numbers is another way that Mint makes money and is one of the reasons they offer most of their services for free to their users. As the saying goes: if the service is free, you are the product being sold.

Useful Features

Goal tracking is one of the many features offers. Saving for a car, putting money away for college or even planning your dream vacation can be tracked and is easily reflected in your month to month budget.

Tracking your credit score is another useful tool that offers, a must for anyone working towards financial stability.

You can also keep tabs on your investments such as a 401k or IRA and track them over a period of time to determine their growth.

The data that Mint provides is invaluable, tracking your spending habits and helping you identify areas that could use improvement.

One reason that Mint continues to outperform its competitors is its machine-learning technology. This creates constant and steady improvement and makes your Mint reviews count.

That might be why continues to win Editors Choice awards and has such a steady flow of clients.

Cost of Using Mint

Mint for the most part is completely free, but is anything really free? The basic features come at no cost to you, the user and you are able to access all their budgeting features.

If you want to level up and keep track of your credit scores or access other useful features there is an upcharge.

To upgrade to the premium version the cost is $16.99 a month. The free version does come with various advertisements because that is in fact how Mint makes a majority of their money.

Unfortunately there is no add free upgrade available at this time. If you are okay with the ads and don’t need the credit monitoring because you’re doing so elsewhere then the free option checks all the boxes.

Pros and Cons

While is an excellent tool, nothing is perfect and this website is no exception. Let’s start with the positives: It’s completely free!

That’s right Mint provides all these features at no cost to you, the user. Mint is accessible through their website as well as their app for budgeting on the go.

The website is remarkably user friendly and Mint has made setting up your account and getting started quick and painless. Bill alerts help you stay on top of your expenses and avoid late fees. 

Along with tax reporting, category customization and free credit score monitoring, that’s quite a bang for your buck. Or in this case, no bucks!

The cons of this free platform are the inability to pay bills from itself and not being able to delete a transaction if it’s faulty or incorrect. The targeted ads are pretty typical for free websites, but whether or not that is a dealbreaker is up to you.

Then there’s the fact that using a third party like Mint could very well void any fraud protection provided by your bank. The automatic assignment feature has also been known to be unreliable which isn’t a huge deal as you can go in and change it manually.

Nevertheless a flaw in the system overall that can create inconsistencies in the data that Mint reports. Tracking cash can also be a bit of pain, if ATM withdrawals are part of your regular routine.

Still not sure about Mint? Here are some alternatives

YNAB is a great alternative if you’re looking for strictly budgeting help. While YNAB does allow you to make goals the same way Mint does, YNAB is a more straightforward platform. Instead of creating your budget, YNAB has you zero out your earnings.

Allocating all of your funds and leaving no penny unused, a technique Dave Ramsey himself would be proud of. The cost of using this website is $7 monthly with a 34-day free trial.

Wealthica is the investors best friend, leveling up your game from simply saving to tracking investments. Also completely free, Wealthica bundles all your investments in one place making it easy to check in on your growing funds.

Wealthica syncs daily, making sure that all your account information is up to date and has the most accurate information available for you.

What is Mint’s customer service like?

Mint has an entire page dedicated to FAQ and customer support. There is also a 24/7 phone number that offers customer support for any and all questions you might have.

After reading a few Mint reviews about customer support, I have found that customer service agents are friendly and helpful.

If you have any concerns, questions or problems there are Mint representatives ready and willing to help. They offer prompt solutions and are very knowledgeable on their product.

There is also a live chat option if you are unable to speak over the phone or if you just prefer to chat online rather than a phone call.

Unlike the Mint customer service hotline the live chat is not available 24/7. Representatives at Mint are available to answer questions on live chat from 5:00 am to 9:00 pm PT 7 days a week. Both options are easy to navigate and available on the Mint customer service page.

The bottom line

As far as free budget trackers go, Mint is an excellent option with a user friendly platform. Tracking goals and keeping tabs on your credit score is all in one place.

While it’s true that the automatic synchronization sometimes misses the mark, manually changing the transaction is fairly simple.

The investing aspect leaves much to be desired and the nullification of fraud protection isn’t ideal. Consider this app a jumping off point for your financial health.

The basics are covered and if that is what you’re looking for then Mint is for you. The free aspect of course is great for those just looking to begin to get a handle of their finances.

The easy to use interface makes it easy to learn and get started quickly.Overall Mint is a solid website for basic budgeting and perhaps creating a jumping off point for those just beginning to budget their finances.

Personally, Mint has met all my needs as a consumer. I have found the customer service to be exceptional for any and all problems I have encountered.

Although I will say the user interface is so simple to use that I have hardly had any problems at all.

My initial setup with my bank was extremely easy and I was able to jump right into setting up goals and budgeting out my income.

Mint makes it fun, especially with the goal tracking feature, budgeting feels like a game. And one I can finally win!

My own finances do not include investments, the most complex thing I have going on financially are saving for three college funds and planning out vacations.

If you have more complex needs I am not sure if Mint would be the best option. If you budgeting is simple and pretty clear cut then I recommend Mint, absolutely.

Using a ‘plug and play’ style system, takes the guesswork out of budgeting.

The simple and streamline website combines user-friendly features with an intuitive setup that makes it easy and dare I say fun to keep track of your finances. It’s never been easier to achieve financial stability.

Mint Features

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Reach your goals with personalized insights, custom budgets, spend tracking, and subscription monitoring—all for free.5 minutes

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All your money in 1 app

See where all your money goes by easily adding your cash, credit cards, investments, and bills.

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Spend smarter, save more

Personalized Mintsights™ make your money go further. Automatically find savings you missed.

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Stay financially focused

Improve your spending habits with custom goals that keep you going. Save for a home, crush debt, and prepare for the future.

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No more late fees

Don’t pay more than you need to. Track bills to help make sure you never miss a due date. Plus, get overdraft protection alerts.

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FAQs about Mint

Is Mint closed?

Yes, Mint closed as of January 1, 2024. A great alternative that we recommend is Neo Financial. Sign up for the Neo Card or Neo Secured Card using this link to receive an exclusive $25 welcome offer. Plus get up to 5%+ cashback on your daily spending.

How do I check my monthly spending on Mint?

From the mobile app:

  1. Open the app and select Monthly from the bottom menu.
  2. Tap on your cash flow graph at the top of the screen.
  3. Scroll down to Spending and tap on the graph.
  4. Tap on the month you'd like to view the spending history of.
  5. To see all your spending transactions for that month, select Transactions at the bottom of the graph.

How do I add cryptocurrency to my Mint account?

If you have crypto as an investment, you can connect it to your Mint account in a few simple steps:

  1. Sign in to your Mint app and select Investments
  2. Tap the plus sign (+) to connect an investment account
  3. Search crypto or the vendor name for your investment account
  4. Choose the vendor and enter your credentials to connect your account

How to I add a new account in Mint?

From the Mint app:

  1. Open the Mint app and tap the plus sign in the top right corner.
  2. Select Add Account.
  3. In the search field, enter the financial institution you want to add and select it.
  4. Enter your credentials plus any other requested information. Use the same username and password you use on that financial institution’s website to add the account.
  5. Mint will add the account and download all transactions from the past 90 days.

How do I manage my bills in Mint?

From the mobile app:

  1. Open the app and select Monthly from the bottom menu.
  2. Scroll down and tap on Upcoming bills.
  3. Select the bill you’d like to view.
  4. From here you can view the details of your bill, including payment history and upcoming balance due.
  5. Want to make changes? Tap on the pencil icon or the three dots in the top corner.
  6. Select Edit.
  7. Make your changes and select Done.

How do I protect my Mint account?

It is recommended that you turn on two-step verification and to regularly change your passwords to protect your Mint account. Rest assured that privacy is highly protected and their security builds confidence for all account holders.

September 16, 2022
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