After Mint: Rebuild Portfolio Tracking Without Losing the Record

Updated September 26, 2026.

Replacing Mint starts with two separate tasks: establishing a trustworthy current view and preserving any historical records you still have. Connecting an account to a new application does not guarantee that years of old transactions, categories, and balance history will appear. Choose the next tool around the work you need now, then verify the migration separately.

Empower's free financial dashboard remains a current option. Mezzi offers financial guidance using connected accounts and personal context. If importing an existing Mint archive is your priority, evaluate a product with documented import support, such as Monarch, before choosing based only on investment features.

Method: Mezzi publishes this guide. We reviewed official product documentation on September 26, 2026, alongside our Mezzi application review. We have not migrated a reader's archive or tested every institution's history coverage. This page focuses on rebuilding and reconciling the record; our Mint alternatives guide covers the broader product-selection question.

What Mint's closure means for today's decision

Intuit's Mint page now directs visitors toward Credit Karma, and its transition announcement describes that change. Mint should not be listed as a current standalone app someone can newly choose.

Old migration instructions can also be misleading when read years later. A historical article showing how to export from Mint does not establish that the same export route remains available today. Begin with records you actually possess and current support information from the provider.

If you saved files, preserve an untouched copy before preparing an import. If you did not, ask the relevant provider what is still available. Do not assume that a new tracking app can recover data from a discontinued service or reconstruct missing history without source records.

Separate the four records you may want to preserve

You may not need every record inside the new application. A preserved archive can remain useful even if the new tool starts from a more recent date. The important point is to know what transferred, what remains external, and what is missing.

Empower: a current free option, not a reason to assume you must leave

Empower's financial tools include a free dashboard, investment analysis, fee analysis, and retirement planning. Those are substantive capabilities. A decision to change tools should identify a gap in your own workflow rather than rely on an unsupported claim that the free product has become unusable or that every user has the same sales experience.

Evaluate the job it does today

If your main need is a current consolidated investment view, test the accounts and reports you actually use. Reconcile recent balances with institutional statements. Review any manual assets or liabilities separately so a successful brokerage connection does not conceal a missing part of the household record.

Then ask what is missing. Is it a historical transaction archive, a particular report, shared recordkeeping, or a different guidance experience? Those are distinct requirements and may lead to different choices. A paid subscription is not automatically a better answer to every one of them.

Separate the dashboard from paid management

The free dashboard and a paid wealth-management relationship are different offers. If you consider paid management, review its agreement and fee schedule directly. If you only want the dashboard, assess the dashboard on its own documented capabilities and the experience you actually have.

When keeping it can make sense

Keep Empower if its current tools solve your needs and the data is suitable. You can also retain a trusted record while evaluating another workflow. Running two systems briefly for reconciliation is different from permanently maintaining two inconsistent versions of your finances.

If you do move, avoid treating a new visual design as proof that the underlying records are more accurate. Make the new system earn your confidence through a small, explainable reconciliation.

Mezzi: rebuild context for the next financial decision

Mezzi connects investments, banking, other assets, and liabilities. AI Personalization lets you retain goals, rules, and preferences that should inform financial guidance. That is useful when your objective has moved beyond seeing a total and toward understanding what to do with the financial picture.

Start with a current question

Choose a decision that matters now, such as reviewing concentrated exposure or understanding how cash relates to an upcoming goal. Connect the relevant accounts, add important manual information, and describe the constraints. Exposure X-Ray can help investigate underlying exposure in supported funds.

Then check the inputs. If a question depends on tax lots, confirm what the connection provides; Mezzi's account update explains that availability varies. If it depends on an expense or asset not visible in the connection, supply and verify that context explicitly.

Do not confuse account setup with archive migration

This guide does not promise that Mezzi imports an old Mint transaction archive, recreates every category, or restores years of historical balances. Adding a current account or manual asset is a different operation from migrating a historical ledger.

If keeping a particular archive inside the new application is a requirement, verify that exact capability before choosing the tool. It is better to preserve an accurate external archive than to label an incomplete reconstruction as a complete migration.

Cost and responsibility

Mezzi's plans include Free, Advisory at $399 annually, and Concierge at $999 annually. Concierge includes published support benefits such as setup assistance and quarterly coaching. The subscription is for its stated guidance and support scope, not a guarantee that every historical data problem can be resolved.

Mezzi does not execute trades or move money. Connecting accounts for guidance also does not transfer the investments themselves. You remain responsible for implementation and for verifying important facts the application cannot establish from the available data.

Monarch: evaluate documented import support when history is central

Monarch has published CSV import documentation and Mint migration guidance. That makes it worth evaluating when you already have an exported archive and want to bring historical records into a current money-management workflow.

What to test before importing everything

Use a copy of a small file and inspect the current importer requirements. Confirm account mapping, date format, amounts, and categories. If a connected account already contains recent transactions, determine how the import handles overlapping dates before loading the full history.

Historical documentation establishes that an import workflow exists; it does not prove every old file will import without preparation. Check the current product instructions for the file you have and the record type you want to preserve.

Keep categories and balances distinct

A category mapping can change how spending is summarized without changing the underlying transaction amount. A balance-history import answers a different question from a transaction import. Verify each relevant record type rather than concluding the entire migration succeeded because one chart looks plausible.

Cost and fit

Monarch pricing lists Core at $99.99 annually and Plus at $199.99 annually at review. Compare the plan and current import scope needed for your task, and check promotional versus renewal terms.

Choose it for a documented workflow that fits your records and household routine. Do not select a higher tier solely because the archive is old or large; identify the actual feature required.

A practical reconciliation before switching

Inventory the source material. List the exports, statements, and other records you have, including their date ranges. Mark missing periods rather than filling them with assumptions.

Map accounts deliberately. Distinguish closed accounts, renamed accounts, and separate accounts at the same institution. A familiar institution name is not enough to establish that two records belong together.

Choose a test period. Compare a small set of transactions and balances for the same account and dates. Include an ordinary purchase, a transfer, and an investment event if relevant. Investigate differences before expanding the import.

Review overlaps. A transaction imported from a file may also arrive through the new connection. Duplicate records can distort spending and cash flow even when the current balance is correct.

Document the result. Record the first reliable date in the new system, the history retained externally, and any unresolved gaps. This is more useful than an unqualified statement that everything moved.

A small example: why a matching balance is not enough

Suppose an account's current balance correctly shows $8,000 in both systems. The new system could still contain two copies of a $500 transfer from an overlapping import. The current balance may come directly from the bank while the transaction report uses the imported records.

That means a correct balance does not prove a correct spending report. Conversely, a missing historical market value may prevent an accurate old net-worth chart even if recent transactions are complete. Verify the record used for the decision you intend to make.

The example is about data quality, not a claim that any named provider makes this specific error. It explains why reconciliation needs more than one headline number.

Decide when the transition is complete

The transition is complete when the current records you need are reconciled, the historical coverage is understood, and you know who maintains manual entries. It does not require every old chart to be recreated inside a single app.

For broader product comparisons, see Mint alternatives for investors and net-worth trackers for complex portfolios. If the central question is whether to retain a paid advisory service, review advisor fees and service value separately from a tracking-app migration.

Frequently asked questions

Can I still choose Mint as a new standalone tracker?

Mint is no longer a current standalone option. Intuit's Mint pages describe the transition toward Credit Karma. Evaluate current products and current support information rather than old signup or export instructions.

Will connecting an account restore all my Mint history?

Not necessarily. Current connections, transaction history, historical balances, and personal categories are different records. Confirm which date ranges and record types the new workflow supports.

Does Mezzi promise a complete Mint archive import?

No such promise is made in this guide. Mezzi can help establish financial context for guidance, but a historical archive migration needs its own verified support and reconciliation.

Do I need to leave Empower because I used Mint before?

No. Evaluate Empower's current free tools against your needs. Change or add a service when it solves a specific gap, rather than because a comparison assumes every user should switch.