Updated September 26, 2026.
An investor replacing Mint needs to decide whether the missing job is spending tracking, investment analysis or advice across the household. A net-worth total is useful, but it does not tell you whether several funds hold the same stocks or whether cash is already committed to a near-term goal.
Mint was discontinued, and Intuit directed users toward Credit Karma. That makes Mint a historical reference, not a currently available product to recommend alongside active alternatives. Credit Karma's announced experience includes cash-flow and net-worth features, so it should not be dismissed as only a credit-score tool. Intuit's transition announcement
This guide concentrates on the investment workflow. For a broader set of spending and household options, see five paths after Mint.
Three questions a net-worth total cannot answer alone
First, what is the portfolio actually exposed to? Owning several funds does not establish diversification if their underlying holdings overlap.
Second, what money is available for which purpose? A bank balance could contain an emergency reserve, tax money and a future down payment. The application needs your explanation to distinguish those uses.
Third, what action is appropriate? A concentration observation does not automatically justify selling. Taxes, restrictions, goals and other accounts can affect the decision. The value of a tool is partly in helping you identify those missing inputs.
A useful investor workflow moves from accurate balances to exposure, context and a decision process. It does not skip directly from a colorful chart to a trade.
What to preserve from the Mint habit
The old routine may have made spending visible, encouraged regular reviews or kept household accounts in one place. Keep those benefits. Investment analysis is not a reason to lose track of upcoming bills.
If you preserved old Mint exports, keep the original files. An archive can help explain earlier spending or categories even when the next application cannot import it. Do not assume historical Mint data can still be retrieved or reconstructed through a fresh institution connection.
For current investments, use institution statements and tax records as the durable reference. A general personal-finance export is not necessarily a complete record of tax lots or adjustments.
Mezzi: connected context for investment decisions
Mezzi groups supported accounts into Investments, Banking, Other Assets and Liabilities. That includes checking and savings, credit cards and manually entered assets such as real estate. This breadth matters when the investment question depends on obligations outside the brokerage account. Mezzi account groups
AI Personalization lets you add goals, preferences and rules. For example, identify that $30,000 of savings is reserved for a near-term project and that you prefer to avoid unnecessary taxable sales. These statements provide context for advice; they are not automatic trading instructions.
Exposure X-Ray helps investigate underlying exposure in supported funds. Confirm that the funds and accounts relevant to your question are covered, rather than assuming a connection exposes every underlying holding with no delay.
Mezzi Free includes aggregation and limited AI. Advisory is $399 annually and Concierge $999 annually. For someone accustomed to Mint's free service, that is a meaningful budget decision. Try the workflow against a specific recurring question before deciding that a paid plan belongs in your financial routine. Mezzi pricing
What other options may handle better for your purpose
Empower offers free investment and retirement tools as well as net-worth and cash-flow views. It is a relevant starting point if you want investment visibility without a new subscription. Its paid management business is separate from the free dashboard. Empower tools
Monarch offers household budgeting and financial tracking, with current Core and Plus tiers. Its higher tier includes additional investment analysis, so a comparison should examine that scope rather than describe it as budgeting alone. It may fit a household whose biggest need is a shared routine. Monarch pricing Plus features
Credit Karma is worth examining if you want the financial features offered in Intuit's successor experience. Evaluate the current functionality directly; a historic Mint relationship does not prove that every old category, report or workflow is replicated. Credit Karma's announced financial view
The right comparison is not whether one application has “more intelligence.” It is whether it handles the financial task you perform repeatedly, at a price and effort level you accept.
Build the investor view with one reconciled example
Consider $240,000 in an employer plan, $160,000 in a taxable brokerage account, $50,000 in savings and a $20,000 loan. Financial net worth is $430,000: $450,000 of assets minus $20,000 of debt. That total is not the same as an investment portfolio or available cash.
| Question | Relevant amount in this example |
|---|---|
| What investments need exposure analysis? | $400,000 across the employer plan and brokerage |
| What liquid bank cash exists? | $50,000 before identifying commitments |
| What if $25,000 is an emergency reserve and $15,000 is due for tuition? | $10,000 remains before considering other obligations |
| What does the loan change? | Net worth and future payments; it is not an investment holding |
An investor-oriented Mint replacement should preserve these distinctions. Enter or explain the tuition date and reserve preference rather than expecting a linked balance to reveal them. Reconcile the loan independently; a missing liability can make a net-worth chart look reassuring while overstating the household position.
Then ask an exposure question using the $400,000 investment denominator. If the tool instead uses all assets, its percentage answers a different question. This provides a concrete reason to try Mezzi: whether the connected information and saved context produce a clearer discussion of the next financial decision. It is also a fair test of another provider, rather than a promise that changing applications will improve returns.
A realistic first-week evaluation
Imagine a hypothetical investor with a workplace plan, an IRA, a taxable account and several bank accounts. They want to understand whether direct employer stock adds to exposure already held in funds.
- Make an account inventory, including accounts that cannot connect.
- Compare current balances and holding dates with the institutions.
- Identify which funds have usable underlying-exposure information.
- Add the purpose of major cash balances and any relevant restrictions.
- Ask the application to explain the exposure calculation and its missing data.
- Decide what requires further research before taking action.
A strong output might show a concentration and also identify incomplete coverage. A weak output might assert that the entire household is diversified without explaining the denominator or the missing account.
A scorecard for the replacement
| Test | Pass condition |
|---|---|
| Coverage | Important accounts are present or explicitly represented manually |
| Reconciliation | You can explain material differences from institution records |
| Context | Reserved cash, goals and liabilities affect the discussion |
| Exposure | The tool distinguishes direct holdings and supported fund exposure |
| Decision quality | It identifies assumptions and verification steps |
| Ongoing effort | You can maintain the information without abandoning the routine |
No application should pass merely because it displays a complete-looking dashboard. Missing data should remain visible in your decision process.
Keep the financial institutions unless there is a separate reason to move
Changing an analysis application does not require transferring your investments. Connection permission and custody are different relationships. If your current brokerage or bank meets your needs, evaluate the new view while leaving the underlying accounts in place.
A good post-Mint workflow preserves financial awareness and adds the analysis you actually need. For an investor, that can mean fewer unresolved decisions—not simply a larger number of accounts on a screen.
Frequently asked questions
Can I still use Mint as an investment tracker?
Mint was discontinued. Evaluate current products and preserve any historical exports you already have rather than treating Mint as an active alternative.
Is Mezzi a free Mint replacement?
Mezzi has a Free plan with aggregation and limited AI, plus paid advice plans. Compare the specific features you need; it does not automatically reproduce Mint history or budgeting workflows.
Do I have to move my investments?
No. Trying a supported connected analysis workflow is separate from transferring investment custody.
What matters most for an investor replacing Mint?
Account coverage, accurate balances, useful exposure analysis, goals and obligations, and a clear process for verifying decisions matter more than a net-worth total alone.
Rebuild the financial view you need, add your goals and investigate one investment question with supported account data.
Start with Mezzi FreePublished by Mezzi for educational purposes. This is not personalized investment, tax, or legal advice. Prices and features were checked September 26, 2026 and can change. Comparisons use official documentation, not a matched product trial. Examples are illustrative, not customer results. Investing involves risk, including loss of principal. Account information can be incomplete or delayed. SEC registration does not imply approval or a particular level of skill.