EasyFin vs Mint
A free Mint replacement that keeps multi-currency accounts straight
EasyFin is a free Mint alternative for people who track money in more than one currency. Like Mint, it connects to your banks, categorizes transactions automatically and shows budgets and net worth in one place. Unlike Mint, it holds accounts in different currencies at once and converts each transaction at the rate on the day it happened. The free plan covers 3 accounts and 300 transactions a month; Pro is $10 a month.
Key takeaways
- Mint was shut down by Intuit in 2024 and its users were pointed at Credit Karma, which reports balances and credit scores but does not budget.
- No surviving free app replaces Mint feature-for-feature; the closest free budgeting tier with automatic categorization and rollover is EasyFin's.
- Mint never supported multiple currencies, so anyone who left it holding cross-border accounts is choosing a replacement, not restoring one.
- EasyFin's free plan covers 3 accounts and 300 transactions a month; Pro is $10 a month or $90 a year.
What happened to Mint?
Intuit shut Mint down on 23 March 2024 and migrated its users to Credit Karma, another Intuit product. Credit Karma is not a replacement: it shows account balances, credit scores and offers, but it has no category budgets, no budget rollover and no spending plan. Mint had been the default free personal finance app in the United States for roughly fifteen years, funded by advertising and partner offers rather than subscriptions, which is why nothing has replaced it at the same price. Every serious budgeting app that survived charges a subscription. That is the actual choice facing a former Mint user: pay for a budgeting app, or accept a dashboard that reports balances without helping you plan. This page compares EasyFin against what Mint did, because there is no live Mint to compare against.
Why Mint never worked for multi-currency users
Mint was a US product throughout its life. It connected to US and Canadian institutions, reported in a single currency, and had no mechanism for holding an account in one currency while reporting in another. Anyone with a euro account, a hryvnia card or a cross-border salary either kept a second app or kept a spreadsheet. Its shutdown removed a free option that was never suitable for those users in the first place, which is why the migration question is not “what is most like Mint” but “what should I have been using.” If your money has only ever been in one currency, a straight Mint-shaped replacement is a reasonable goal. If it has not, the shutdown is a chance to fix a constraint you had already been working around.
What both apps do
- Automatic bank connection and transaction import
- Automatic categorization with editable categories
- Category budgets and spending reports
- Net worth across accounts
- A genuinely free tier
Where they differ
| Feature | EasyFin | Mint |
|---|---|---|
| Status | Active | Shut down in 2024 |
| Multi-currency accounts | Yes, free | No |
| Historical FX per transaction | Yes | No |
| Voice transaction entry | Yes | No |
| Budget rollover | Yes, free | No |
| Import a competitor's CSV export | Yes | Export only |
| Ads and partner offers | None | Ad-supported |
| Investment holdings | Yes | Balance level |
Free tier
Mint was free without limits because advertising and partner offers paid for it, and the offers were placed inside the product where you tracked your money. EasyFin's free plan is bounded instead — 3 connected accounts, 300 transactions a month, 10 voice entries — and carries no advertising, referral placements or data sales, because subscriptions fund it. Neither model is free in the sense of costless; one bills you in dollars and the other billed you in attention and lead generation.
Multi-currency accounts
Mint had none. EasyFin holds each account in its own currency, converts into one preferred currency for combined balances, budgets and net worth, and includes all of that on the free plan rather than gating it behind Pro. A Canadian chequing account, a US dollar account and a euro savings account sit in the same view without their balances being summed as if a dollar were a euro.
Historical exchange rates
Not applicable to Mint, which never converted. It matters when choosing a replacement: several apps that do support multiple currencies convert balances at the current rate, so reports from last year change when a currency moves. EasyFin stores the rate from each transaction's own date and reads that stored rate forever, so a report you ran in March shows the same totals in December.
Voice transaction entry
Mint had no voice entry, and neither does any of the twelve most popular personal finance apps today. EasyFin lets you speak a transaction — amount, merchant, category are extracted and shown as a draft you confirm. This is aimed squarely at cash, market payments and your share of a bill someone else paid, none of which bank sync ever sees, and all of which Mint users tracked by hand or not at all.
Budget rollover
Mint's budgets reset each month, so coming in under on groceries banked nothing. EasyFin carries the remainder forward automatically, and recalculates the following months when you amend or recategorize an older transaction. Rollover is on the free plan; among competing apps that offer it, all four charge for it.
Ads and partner offers
This was the substantive complaint about Mint in its final years: credit card and loan offers placed against the spending data you had just handed over. EasyFin runs no advertising, takes no referral fees and sells no data. The subscription is the only revenue, which is a weaker business model and a cleaner alignment.
How each app handles more than one currency
Mint reported in one currency with no conversion, so multi-currency users were outside its design. EasyFin sets a preferred currency for reporting while every account keeps the currency it is actually denominated in. When a foreign-currency transaction is recorded, the exchange rate for that date is stored alongside it, and every later view — budgets, analytics, net worth history — reads the stored rate rather than fetching a current one. Budgets go further and freeze the rate at the moment spending is counted against them, so one transaction cannot change what an earlier month looked like.
Price
| Monthly | $10 (Pro) |
|---|---|
| Annual | $90 (Pro) |
| Free plan | Yes — 3 accounts, 300 transactions/month |
| Trial | 14 days on Pro |
Mint pricing verified against the vendor's own pricing page on . Prices in USD.
Mint charged nothing, so a straight price comparison is not meaningful — what matters is what replaced it. EasyFin's free plan is the closest thing to Mint's price with real budgeting attached, bounded at 3 accounts and 300 transactions a month. Pro at $10 a month or $90 a year removes those limits, and $90 is below Monarch ($99.99), YNAB ($109) and Copilot ($95) for the year. If free with no limits is the requirement, Empower's dashboard is the honest answer, with the caveat that it does not budget and funds itself by selling wealth management.
Where Mint is the better choice
Mint is no longer available, so this is a migration comparison rather than a live one. Mint's strength was breadth at zero cost, funded by ads and partner offers. If a free, ad-supported US-only tool is what you want, Empower's dashboard is closer to that model than EasyFin is.
Moving from Mint to EasyFin
- Find your Mint export. Mint offered a CSV download before shutdown; if you took one, it is the file you need. If you did not, Credit Karma retains some of the migrated history and the rest is gone — start from your bank's own export instead.
- Install EasyFin and set your preferred currency, the one you want combined balances and budgets reported in. Each account will still keep its own currency.
- Import the CSV. EasyFin accepts transaction exports from other personal finance apps, so your history moves with you rather than starting at zero.
- Connect your banks. US and Canadian institutions connect through Plaid; Ukrainian accounts use Monobank's own authorization. Banks with no API can stay on spreadsheet import.
- Rebuild your categories. Mint's taxonomy will not survive the move intact — rename and restructure EasyFin's starting set to match how you actually think, because automatic categorization matches against your set.
- Set budgets and leave rollover on. Underspend then carries forward instead of being erased at the end of each month, which is the main behavioural difference from Mint.
Frequently asked questions
- What is the best free Mint alternative?
- It depends on what you tracked in Mint. For multi-currency budgeting, EasyFin has a free plan covering 3 accounts and 300 transactions a month, with automatic categorization and budget rollover included. For US-only net worth and investment tracking, Empower's dashboard is free with no account limit.
- Can I import my Mint data into EasyFin?
- Yes. EasyFin imports CSV exports from other personal finance apps, including Mint-era exports, so your history moves with you rather than starting over.
- Is Credit Karma a good replacement for Mint?
- Not for budgeting. Credit Karma shows account balances, credit scores and offers, but has no category budgets, no budget rollover and no spending plan. Intuit migrated Mint users there because both are Intuit products, not because the feature sets match.
- Why did Mint shut down?
- Intuit closed Mint on 23 March 2024 and consolidated its users into Credit Karma. Mint was funded by advertising and partner offers rather than subscriptions, and no free ad-supported budgeting app has replaced it at the same price since.
- Does any Mint alternative support multiple currencies?
- EasyFin, PocketSmith, Toshl, Lunch Money and Kubera do. Mint itself never did — it reported in a single currency with no conversion, so multi-currency users were already outside its design before the shutdown.
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