Cash Compass vs Mint — the iPhone replacement after Mint shut down

Intuit retired Mint on March 23, 2024, after acquiring Credit Karma in 2020 and deciding to fold consumer-finance features into that brand instead of maintaining two free apps. Mint had a hard time turning a profit because its revenue depended on credit-card and loan recommendations rather than direct user payments. The official guidance was to migrate to Credit Karma, but Credit Karma is closer to a credit-score app than a true budget tracker, which is why most former Mint users went looking for something else. If you still have data inside Credit Karma's Mint successor, you can export it as CSV from the web app before they remove the option.

Yes, if you still have a CSV. While Mint was active, you could download a full transaction CSV from the bottom of the transactions page. Many former Mint users grabbed that file before the shutdown. Cash Compass doesn't auto-import Mint files yet, but you can categorize a year of past spending by hand in roughly an evening using the manual entry screen, or simply start fresh from the current month. Most people who switch find the manual on-ramp helps them notice patterns they ignored when Mint was auto-categorizing everything for them. If you only want totals by category, importing the last 3 months is enough to seed your dashboard.

Different threat model, lower attack surface. Mint stored your bank logins on Intuit's servers and pulled transactions through Plaid. That meant a Mint breach or a Plaid breach could expose your bank credentials. Cash Compass never asks for a bank login. Your transactions live in your private iCloud database, encrypted by Apple, not on our servers. We can't see your data. The trade-off is honest: no auto-import. You log expenses by voice, receipt, or tap. Most users find that voice plus receipt scanning takes about three seconds per transaction, which is faster than the old Mint habit of reviewing miscategorized entries every weekend.

No. Cash Compass is a spending and budget app, not a credit-monitoring service. If credit-score tracking is what you used Mint for, Credit Karma's free service still covers that, and so does NerdWallet. We chose not to add credit monitoring because it requires the same bank and credit-bureau integrations that made Mint fragile. If you want both, most former Mint users run Cash Compass for daily budgeting and check a free credit-score app once a month. That separation is also better for privacy: the budget app doesn't need to know your credit file, and the credit app doesn't need to know your groceries.