Mint Is Gone. Your Money Still Needs a Home.
Intuit shut Mint down and pointed everyone at Credit Karma. If what you wanted was a real budget — not just credit offers — here's what moving to Compound looks like, history and all.
The honest verdict
Mint was a free tracker paid for with ads and offers. Compound is the opposite trade: a paid app with no ads, no selling your attention, and a budget that actually pushes back — envelopes with rollover, AI categorization, subscription detection, and an optional human coach. Bring your Mint CSV export and your history comes with you.
Feature by Feature
| Feature | Make It Compound | Mint (2006–2024) |
|---|---|---|
| Status | Actively developed | Shut down by Intuit in 2024; users pointed to Credit Karma |
| Bank sync | Plaid bank sync with webhook-driven updates and connection-health alerts | Bank sync (while it lived) |
| Budgeting | Envelope budgeting with rollover — plus a choice of methods (zero-based, 50/30/20, envelope, pay-yourself-first, or a coach's custom plan) | Category budgets that mostly watched the past |
| Subscription detection | Automatic subscription detection with a dedicated review screen | Basic recurring detection |
| Bill reminders | Bill reminders a few days before each recurring charge | Bill reminders |
| Net worth | Net worth with manual property/vehicle assets, milestones, and investment holdings | Net worth tracking |
| Business model | You pay; nobody else does. No ads, no credit-card offers, no selling your data | Free — monetized with ads and financial-product offers |
| Human coach option | Optional human financial coach: directory, in-app messaging, and coach-guided budgets | None |
| Your Mint history | Import your Mint CSV export — transactions and history carry over | — |
| Price | $9.99/mo or $99/yr (Base) | Free (ad-supported) |
| Free trial | 14 days free — no card required | — |
Compound claims reflect the shipped product; competitor details are public information as of July 2026.
What Mint's shutdown actually taught us
Free money apps aren't free — Mint was an ad and offers business, and when that stopped penciling out, a decade of users lost their tool overnight. Compound's model is deliberately boring: members pay a subscription, so the product's only job is being worth it. No ads, no "pre-qualified offers," no incentive to sell your attention or your data.
Moving in: your history comes with you
If you saved a Mint export (or can still pull one from Credit Karma's Mint archive), Compound imports the CSV directly — transactions, categories, history. QFX/OFX files from your banks work too. Connect your accounts with Plaid for go-forward sync, import the past, and your net-worth timeline doesn't restart at zero.
From there you get what Mint never really had: a budget with teeth. Envelopes that roll over, a choice of real budgeting methods, AI that keeps categories honest, alerts before a category blows past its limit — and a human coach if you want one.
When Mint Is the Right Choice
- If you only want free credit-score monitoring and card recommendations, Credit Karma (Mint's designated successor) does that — it just isn't a budgeting app.
Common Questions
Can I import my old Mint data into Compound?
Yes. Import your Mint CSV export in Compound (Transactions → Import) and your transaction history carries over. QFX and OFX files from banks work too.
Why isn't Compound free like Mint was?
Mint was free because ads and financial-product offers paid for it — and when that business faded, Mint disappeared. Compound charges $9.99/mo (or $99/yr) so the only customer is you: no ads, no offers, no data resale, and no shutdown-by-pivot risk.
Does Compound have Mint's features?
The ones people actually used — bank sync, budgets, bill reminders, subscription detection, net worth — plus what Mint lacked: rollover envelopes, real budget methods, AI categorization, anomaly alerts, and an optional human coach.
Mint and Credit Karma are trademarks of Intuit Inc. Make It Compound is not affiliated with or endorsed by Intuit. Details reflect public information as of July 2026.
Decide with your own numbers
Try Compound Free for 14 Days
Connect your accounts, import your history, and run your real budget in it — no card required, cancel anytime.