Honest comparison
PeakWorth vs Mint
Mint shut down on March 23, 2024. Here's the strategy-first successor.
The short version
Mint earned its hundred million sign-ups honestly: it made seeing all your money in one place effortless, for free, years before anyone else did it well. It answered “where did my money go?” better than anything of its era. What it never answered was “where is my money going?” PeakWorth picks up where Mint stopped: your accounts and spending feed a living financial model that projects your trajectory for the next 30 years — and shows what to change today to land where you want.
Mint is best for
Past users who valued automatic transaction categorization and a simple monthly budget view.
Discontinued. Intuit migrated users to Credit Karma.
PeakWorth is best for
Households who want a clear answer to “when can we retire?” and “what decision moves us closest?” — not just a record of last month's spending.
14-day free trial. Then $9.99/mo Navigator.
Here's the shift worth making as you pick Mint's successor: your transaction history isn't a report card — it's the raw material of a forecast. Mint captured it and stopped. PeakWorth captures it, models it, and projects it forward, so the same data that used to explain last month starts explaining your next 30 years.
Question by questionWhat each one can answer
| The question | PeakWorth | Mint |
|---|---|---|
Is it still available? | Active, growing | Shut down March 2024 |
Where did my money go last month? | Was its strength | |
Are all my accounts in one place? Banks, brokerage, retirement | Was via Plaid | |
Am I sticking to a budget? | ||
How are my current spending habits changing my future? | Limited | |
Can my budget plan expenses that start, end, or happen once? Daycare that ends, a roof, next year's tuition | ||
When can I retire — a dated year, not a guess? | ||
Can I afford the house / the career change / the baby? | Decision Hub | |
What happens to the plan when life changes? Raise, move, new kid — remodeled in minutes | ||
Am I the customer or the product? | Customer — no ads, no offers | Ads + product offers |
What does it cost? | $9.99/mo Navigator | Was free (ad-supported) |
Mint could always tell you where your money went. It never could tell you where you were going.
PeakWorth vs Mint vs Monarch — head to head
Mint shut down in March 2024; Monarch is the closest tracker replacement. PeakWorth adds the planning layer Mint never had. Confirm current terms on each provider's site.
| Feature | PeakWorth | Mint | Monarch Money |
|---|---|---|---|
| Annual fee | Flat $119.88/yr (~$9.99/mo); free Quick Start, no signup | Was free (ad-supported) — now discontinued | $99.99/yr or $14.99/mo |
| Account minimum | $0 — doesn't custody assets | $0 — aggregation only (while it existed) | $0 — doesn't custody assets |
| Automated portfolio management | No — it's the planning layer, not a custodian | No — aggregation & budgeting only | No — tracking & budgeting only |
| Status in 2026 | Active | Shut down Mar 2024 (migrated to Credit Karma) | Active |
| Account aggregation | Yes — Plaid bank linking, or manual summary numbers | Yes — bank/card/investment sync (while it existed) | Yes — best-in-class (Plaid + Finicity) |
| Retirement output type | Dated FI Age — plus a year-by-year projection to age 95 | None — aggregation and budgeting only | None — tracking, not projection |
| Decision modeling (buy-vs-rent, bonus, debt payoff) | Yes — the Decision Hub scores each decision's dollar-and-year impact | No | No |
| Dual-income household modeling | Yes — first-class (separate incomes, accounts, and goals) | Limited | Yes — true multi-user |
| Data export | Yes — CSV import/export of your data | Limited — export no longer available | Yes — CSV export |
The real reasonsWhy people switch
- Mint is gone. Credit Karma's replacement is built around credit cards and offers, not a financial plan.
- PeakWorth tells you when you can retire — not just what you spent on Starbucks.
- Every decision (job, home, baby, car) is modeled against your actual trajectory in real dollars and years.
- No ads, no offer placements, no selling your transaction data to advertisers.
You're not the person who signed up for Mint
Mint launched in 2007. If you used it for even a few of those years, the questions you had then aren't the questions you have now — and the replacement you pick should answer the new ones, not just re-create the old dashboard.
The questions Mint answered
- Where did my money go this month?
- How much did we spend on restaurants?
- What's in all my accounts, in one place?
- Did I blow the budget?
The questions you have now
- When can we actually retire?
- Can we afford the bigger house without wrecking the plan?
- What does one of us going part-time do to our future?
- Are today's habits building the future we want?
Your financial life changes over time. Your budget should too. A dashboard answers the first list; a living financial model — one that captures what's happening, models what could happen, and projects where you're heading — answers the second.
Imagine knowing this before making the decision
This is what changes when your day-to-day money data feeds a projection instead of a monthly report. Before you commit, you see the outcome:
“If we buy the $650k house instead of the $550k one, our FI age moves from 52 to 55.”
“Daycare ends August 2029 — redirecting that $1,800/mo to the brokerage brings retirement three years closer.”
“The lower-paying job with the stronger 401(k) match costs us almost nothing by 2040.”
“Trimming $400/mo of subscriptions and delivery moves our FI date up 14 months.”
Each of these is a real question the Decision Hub answers with your numbers — modeled as separate scenarios, each against your baseline.
Should you switch?
Stay with Mint if…
- You've settled into Credit Karma and credit-score monitoring is genuinely all you want.
- You only ever used Mint to glance at balances, and a free bank app covers that now.
- You have no major money decisions — home, career, kids, retirement timing — on the horizon.
Add PeakWorth if…
- You miss having one honest picture of your money — and want it pointed at the future this time.
- You still have your Mint CSV and want that history working inside a projection.
- You keep asking “are we going to be okay?” and nothing you've tried since Mint answers it.
Context
Intuit announced Mint's shutdown in October 2023 and turned it off on March 23, 2024. Users were migrated to Credit Karma, which Intuit also owns. Credit Karma's strength is credit-score monitoring and personal-loan / credit-card recommendations — not financial planning.
PeakWorth replaces the part of Mint that mattered for serious planners: a single picture of your money, plus the projection forward that Mint never had. You can connect your accounts via Plaid (same security model Mint used), and the app builds the long-horizon model Mint never built.
What would you do differently if you could see 2040?
Connect your accounts (same Plaid security model Mint used) or enter numbers by hand. In about ten minutes you'll have a dated FI age and a projection you can test decisions against.
See where you're actually headingFrequently asked
Is PeakWorth a Mint replacement?
It replaces the part of Mint that mattered for planning — the consolidated view across accounts and the spending categorization. It also adds what Mint never had: a year-by-year net worth projection, an FI age, and a decision engine that scores any major money move against your real trajectory.
Can I import my Mint data?
Yes. If you saved your final Mint CSV before March 23, 2024 — or if you've migrated to Credit Karma's Money tab and exported from there — upload it to /import and pick the Mint tile. We auto-detect the legacy Mint headers (Date, Description, Original Description, Amount, Category, Account Name) and the Credit Karma successor shape, so your categories come along as labels you can confirm in one pass.
Why not just use Credit Karma?
Credit Karma is a great free credit monitor. It is not a financial plan. PeakWorth is built for the question “am I going to be okay,” which neither product has been engineered to answer.
How much does PeakWorth cost?
Free 14-day trial on every plan, then 9.99/mo Navigator or 19.99/mo Peak. Cancel any time.
PeakWorth provides educational projections, not financial advice. We are not a registered investment advisor, broker-dealer, tax preparer, or attorney. Consult a licensed professional before making major financial decisions. Read full disclosures