Mint alternatives, honestly

The trade: two minutes a quarter, no credentials

Mint's core promise was that you never had to type anything. That convenience had two prices, and Mint's own ending made both visible. The first is fragility — aggregated connections break constantly, and a tracker that quietly stops updating is worse than no tracker, because you trust a number that's stale. The second is that your complete financial picture lives on a company's servers, subject to whatever that company later decides to do — including switching it off.

Fuego takes the opposite trade. You type six or eight balances once a quarter. It takes a couple of minutes, it never breaks, no institution ever gets asked for your password, and your numbers stay in your browser unless you deliberately turn on sync. The manual step also does something automation can't: once a quarter you actually look at your money, on purpose.

Side by side

Two of those rows go to Mint, and they're the two most people cared about. If automatic spending tracking is what you want, take the budgeting recommendations above — they'll serve you better than we will.

Common questions

What happened to Mint?

Intuit shut Mint down in early 2024 and pointed its users toward Credit Karma, which is also owned by Intuit. Credit Karma covers credit scores and some account balances, but it never reproduced Mint's budgeting and categorisation, which is why so many people went looking for something else entirely.

Is Fuego a direct Mint replacement?

No, and it's worth being clear about that. Mint was primarily a budgeting and transaction-tracking app: it pulled in every purchase and sorted it into categories. Fuego does none of that. It tracks net worth — what you own and owe — as a quarterly snapshot, plus the financial-independence maths built on top. If the part of Mint you miss is the spending breakdown, a budgeting app is the honest answer and there are good ones listed on this page.

Why manual entry instead of connecting my accounts?

Because connections are the part that breaks and the part that costs you privacy. Aggregators need credentials for every institution, those links silently fail and need re-authorising, and your entire financial picture ends up on someone else's server. Typing six or eight balances once a quarter takes a couple of minutes, never breaks, and means nothing about you has to leave your browser.

Is it free, and what's the catch?

It's free, with no paid tier and no ads. The honest catch is that it's built and hosted by one person, so it moves at the pace of one person — and it deliberately does less than a venture-funded app. There's no data being sold and no upsell waiting; the trade is scope, not privacy.