Intuit announced the shutdown in November 2023
Mint had roughly 3.6 million users at the time. Intuit's plan was to fold them into Credit Karma, another product it owns, rather than keep Mint running as its own app.
Free to start · no card required · manual or bank-connected
The backstory
What happened to Mint?
The app went dark in March 2024
Existing users were prompted to migrate their accounts to Credit Karma. Anyone who didn't move data before the cutoff simply lost access to their history.
The transition dropped what people actually used
Custom budgets, spending categories, and manual transaction control didn't survive the move. Credit Karma is oriented toward credit-score monitoring and product recommendations, not the hands-on budgeting Mint was known for.
Which left a specific gap
Whole-life budgeting apps stepped in for the budgeting crowd. But if you were using Mint mainly to keep an eye on several credit cards, nothing that replaced it was designed for that job.
If you used Mint to watch your credit cards, Credit Karma isn't a like-for-like replacement — it shows balances and your score, but the things that matter across several cards, like per-card utilization and when each 0% offer runs out, aren't the point of the product. That's the gap Cardinate fills.
| Feature | Cardinate | Credit Karma | Rocket Money | Monarch |
|---|---|---|---|---|
| Built around credit cards | Yes | No | Partial | No |
| 0% intro-APR deadline alerts | Yes | No | No | No |
| Per-card utilization tracking | Yes | Score only | No | Limited |
| Debt-payoff plan (avalanche/snowball) | Yes | No | Limited | Limited |
| Manual tracking, no bank link needed | Yes | No | No | Yes |
| Ad-free, no upsells | Yes | No | No | Yes |
| Free plan | Yes | Yes | Limited | Trial |
To be fair about it: Rocket Money and Monarch are good whole-life budgeters, and if you want one app for income, bills, subscriptions, and investments, either is a reasonable pick. But if your finances are mostly credit cards, a card-first tool wins — because the details that decide what you pay, like utilization per card and the date each 0% offer ends, are the main screen rather than a footnote.
Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.
Competitor details reflect public information at time of writing and may change — verify current features and pricing before relying on them. Not affiliated with Intuit, Mint, Credit Karma, Rocket Money, or Monarch; all names and Plaid are trademarks of their respective owners.
Why it matters
Why a card-first tracker wins.
Deadlines, not surprises
A 0% intro APR ends on a date nobody reminds you about, and the balance left over starts accruing at 24% or more. Being warned weeks ahead — with the payment needed to finish in time — is worth more than any budgeting chart.
Utilization at a glance
Your score reacts to how much of each card's limit you're using, not just the total across all of them. Seeing per-card and overall utilization together is how you spot the one card quietly dragging you down.
A real payoff plan
Avalanche, snowball, or clearing a promo balance before its deadline — each produces a different month-by-month schedule and a different debt-free date. Comparing them side by side beats guessing which to follow.
I got into credit cards for the rewards and ended up with more than I could track — balances, due dates, and especially those 0% deadlines I'd forget until the rate jumped. Every app I tried treated cards as one line in a budget. When Mint shut down, nothing that replaced it fixed that. So I built the tool I wanted: one screen that puts your cards first.
Keep exploring
Utilization tracker
Track how much of your available credit you're using, per card and overall.
0% APR tracker
Never get surprised by an expiring intro APR again.
Cardinate vs Undebt.it
How Cardinate compares to the manual all-debt planner.
Debt-payoff planner
Estimate how long it'll take to bring your balances to zero.
FAQ
Frequently asked questions
For the credit-card side of Mint, yes — and in some ways better, because it tracks 0% intro-APR deadlines and per-card utilization, which Mint never did. For full whole-budget tracking across income, bills, and every account, pair it with a general budgeter. Cardinate is deliberately card-first rather than trying to be everything Mint was.
You don't need an export file. Connect your cards through Plaid for automatic balance syncing — read-only, and your bank login is never stored — or add cards manually in a couple of minutes. Since Mint's export is long gone for most people, manual entry is often the fastest route anyway.
The free plan covers one credit card with manual tracking. Pro is $9.99/month and adds unlimited cards plus automatic bank sync. There are no ads and no product recommendations on either plan.
Card connections run through Plaid as read-only links, so nothing in Cardinate can move money. Data is encrypted at rest, and it is never sold or shared with advertisers.