A Mint alternative for household budgeting and cash flow
Intuit shut Mint down in 2024 and moved its users to Credit Karma. Credit Karma is free and shows spending and net worth, but Mint’s monthly budgets didn’t come with it. If you want those back, with a checking forecast beside them, here is what Casharchy offers.
What happened to Mint
- On October 31, 2023 Intuit announced that Mint would close and invited its users to Credit Karma (source). Mint stopped working on January 1, 2024 in the US, and in Canada on March 23, 2024.
- Moving a Mint account into Credit Karma, with its linked accounts and history, stopped being an option on May 3, 2024 (source).
- Credit Karma shows this month’s spending by category against your average and against last month, and a free net worth from connected accounts (source). It doesn’t have Mint’s monthly category budgets (source).
What Casharchy offers former Mint users
| Feature | Casharchy | Credit Karma today |
|---|---|---|
| Monthly budgets | Monthly category budgets in Spending. Bills you have forecast count as Projected, so the month’s total is complete before it ends. | Spending by category against your average; no category budgets (source) |
| Checking balance forecast | A day-by-day checking ledger: rows after today are your forecast, and the running balance shows what you expect to have on every future date. | Upcoming-bill reminders; no balance projection found (source) |
| Investments | Holdings across every brokerage, retirement and HSA account, combined by position and category and measured against targets you set. | Connected investment balances count toward net worth (source) |
| Net worth | A balance sheet of every account, asset and debt, with saved snapshots over time. | Yes, free, from connected accounts (source) |
| Debt payoff | A payoff schedule for each mortgage, loan and card from your payment and any extra principal. | Balances only; no payoff planner found |
| Price | Free by hand. $8 a month or $80 a year (2 months free) adds bank connections and the AI tools. | Free (source) |
Credit Karma and Mint facts checked October 19, 2026 on Intuit’s own pages, linked in each row.
Bringing your Mint history
If you downloaded your Mint transactions before it closed, that CSV imports directly: Mint’s positive amounts with a debit or credit Transaction Type are read as money out and money in.
- In Casharchy, open Spending and press Add Transaction, then choose Paste CSV (bulk import).
- Paste the file’s contents or choose the file. Dates, descriptions, amounts, categories and account names are read from the header row.
- Check the preview: money out shows as negative. Rows that match a transaction you already have (same amount within two days) are skipped, and any category Casharchy doesn’t know gets a picker.
- Press Import. The whole file is saved at once as one step you can Undo.
Intuit’s instructions for requesting a Mint data download (sign in at accounts.intuit.com, then Data & Privacy) were last updated in 2024; whether they still work is for Intuit to say (source).
What Casharchy costs
Free when you enter figures by hand. Bank connections through Plaid and the AI tools are $8 a month, or $80 a year (2 months free). You can also compare YNAB, Monarch and Simplifi.
Mint and Credit Karma are trademarks of Intuit, named here only to identify the products. Casharchy is not affiliated with Intuit.
Try it with your own numbers
Free when you enter figures by hand. Bank connections through Plaid and the AI tools are $8 a month, or $80 a year (2 months free). No card needed to start.