Finances vs Mint

Updated 14 September 2026 · Mint prices as advertised in September 2026

Intuit shut Mint down in 2024 and pointed users to Credit Karma. If you are still looking for a Mint alternative, Finances is a Mac app that imports your old Mint CSV export, categorises it and keeps everything on your computer.

Download Finances free 30-day trial. macOS. No sign-up.

Finances vs Mint at a glance

Feature	Finances	Mint
Platform	✓ Native macOS desktop app	✗ Discontinued (was web, iOS, Android)
Where your data lives	✓ On your Mac, in an encrypted SQLite database	✗ Intuit's cloud
Price	✓ One-time 1.x licence, or a monthly subscription	✓ Was free
Free trial	✓ 30 days, no sign-up	✗ No longer available
Bank sync	✓ Australian banks via Redbark (CDR), Up Bank direct, US banks via Plaid, AMEX	✗ No longer available
File import	✓ CSV, OFX/QFX and JSON with auto-detected columns	✗ No
Views and charts	✓ List, bar, pie, Sankey, calendar, map, subscriptions	~ Trends and budgets
Subscription detection	✓ Automatic recurring-charge detection	✓ Bill tracking
Auto-categorisation	✓ Bundled merchant database, optional cloud categorisation	✓ Automatic
Custom rules	✓ Match on text, amount, date or merchant	✓ Rules
Encryption	✓ AES-256 at rest, Touch ID unlock, idle lock	~ Encrypted on their servers
Works offline	✓ Fully offline (sync and cloud categorisation are opt-in)	✗ No
Multi-currency	✓ Original amount and currency preserved	✗ USD and CAD
Receipts and attachments	✓ Attach receipts and files to transactions	✗ No
Budgeting	✗ Not yet	✓ Budgets
Investments and net worth	✗ No	✓ Net worth
Mobile app	✗ No	✓ Was iOS and Android
Shared / household access	✗ Single user	✗ Single login
Data export	✓ CSV export; the database is a standard SQLite file	✓ CSV export before shutdown
AI	✓ Open SQLite file your AI assistant can query	✗ No

✓ Yes ~ Partly or with caveats ✗ No

Where Mint wins

It was free and had budgets, bills and net worth in one place.

Where Finances wins

Still exists, and is not funded by selling you financial products.
Imports your Mint CSV export in one step.
Your data lives on your Mac, encrypted.
Rules, Sankey, calendar, map and subscription views.

Which should you choose?

Choose Mint if you cannot: Mint is gone. Credit Karma covers the basics for US users.

Choose Finances if you want a private, long-lived home for your transaction history on a Mac.

How Finances works

Finances is a native macOS app. Import CSV, OFX or JSON statements from any bank, or sync Australian accounts through Redbark (Consumer Data Right) and Up Bank directly. Transactions are categorised by a bundled merchant database and your own rules, then explored as a list, bar and pie charts, a Sankey diagram, a calendar, a map, or a subscriptions view. Everything is stored in an encrypted SQLite database on your computer, unlocked with Touch ID.

Frequently asked questions

How do I import Mint data into Finances?

Use the transactions CSV you downloaded from Mint before it closed. Finances detects the date, description, amount and category columns and imports the lot with duplicate protection.

Is Finances free like Mint was?

Finances has a 30-day free trial, then a one-time 1.x licence or a monthly subscription. There are no ads and no data resale.

Try Finances free for 30 days

No account, no card. Your data stays on your Mac.

Download for macOS

Other comparisons

Mint is a trademark of its respective owner and is not affiliated with The Finances App. Competitor details are based on public information as of September 2026 and may change; check the vendor's site for current pricing. Spotted a mistake? Let us know.