Author Topic: Mint Closing Down. Alternatives?  (Read 4918 times)

ender

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Re: Mint Closing Down. Alternatives?
« Reply #50 on: November 12, 2023, 08:13:17 PM »
I've been happily using Simplifi for a while now.

It feels like what Mint would have been, if Mint wasn't built as an ads platform first and personal finance app second.


GilesMM

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Re: Mint Closing Down. Alternatives?
« Reply #51 on: November 12, 2023, 08:22:36 PM »
Mint will be moving all your transactions to KC. So, just stand by and all will be fine.

tj

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Re: Mint Closing Down. Alternatives?
« Reply #52 on: November 12, 2023, 08:41:19 PM »
Mint will be moving all your transactions to KC. So, just stand by and all will be fine.

There is no evidence that Credit Karma will retain Mint's functionality. In fact, they've stated that it will not. I submitted my request to delete my data at Intuit.

index

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Re: Mint Closing Down. Alternatives?
« Reply #53 on: November 13, 2023, 07:15:31 AM »
Seconded!

You all just need to pony up $79/yr for Tiller https://www.tillerhq.com/ and be done with it. You own all your data as it is in your own Google Sheet or Excel. You can set up your own autocategorization rules, split transactions, and break categories down however you want. There is also a large community of spreadsheet nerds producing open source sheets to look at your data in more ways than you can imagine. I've been with them for 2 years now after wasting 10 years on Mint and Personal Capital.

I also tried Simplifi which I really liked, but it will not (or did not at the time I used it) let you change account designation. I use a Fidelity CMA as my checking account and it was categorizing all my bill pay and income as investment transactions with no way to fix it. I've not tried it since it was brand new so they may have improved it.

I'm definitely intrigued--this looks like the perfect combination for me. I currently have Mint along with a very messy manually updated Excel sheet that tracks our various retirement/investment accounts. I mostly use Mint for tracking categories of spending against my budget, but I have to spend much more time than I like recategorizing transactions.

My system was exporting my transactions from Mint by a CSV file once a month into my custom spreadsheet and manipulating the data there. Tiller cuts out the middle step and the company is very responsive to fixing issues because you are paying for the service. My favorite thing about tiller though is the community project open source spreadsheets. Want your spreadsheet to function on 0 dollar budgeting like YNAB? There is a custom spreadsheet for that. Every dollar envelope system - There's a sheet. Cashflow analysis and retirement planner with estimated FI date - there's a sheet. Honey money calendar - its on Tiller. The community has copied/improved every budgeting software out there and the best part is they all function off the same set of base spreadsheets. If you want to try YNAB style budgeting for a few months, just copy in the sheet and it will update based on all your linked accounts and show passed transactions automatically. 

 

PMG

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Re: Mint Closing Down. Alternatives?
« Reply #54 on: November 13, 2023, 07:47:25 AM »
Iím not a hard budgeter, but I like to get a good snapshot a couple times a year and I know tracking spending leads me to spending less. I switch (almost) all our spending to 1 credit card that has a tracker available on their app. Itís not perfect, and it doesnít include utilities that come out of checking, but it does cover all our food and discretionary expenses so we can get a solid idea of where our money is going pretty easily.

charis

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Re: Mint Closing Down. Alternatives?
« Reply #55 on: November 13, 2023, 08:59:25 AM »
I have started adding accounts to my Fidelity Full View, and it's showing similar functionality to Mint with a couple of drawbacks (although homepage states that improvements are being made based on user feedback, so hopefully these will resolve): 

In transactions, you can manually edit and hide individual transactions, but not multiple (as far as I can tell), editing is more tedious if you want more discrete tracking; the category can be changed but you can't add new custom categories. 

Adding accounts seems to be similar to Mint, although I'm getting an error for Chase currently, which is our main credit card use.

Fuggled

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Re: Mint Closing Down. Alternatives?
« Reply #56 on: November 13, 2023, 03:24:01 PM »
In transactions, you can manually edit and hide individual transactions, but not multiple (as far as I can tell), editing is more tedious if you want more discrete tracking; the category can be changed but you can't add new custom categories. 

I was just playing around with this today and you actually can add custom categories if you go into Spending Settings.

charis

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Re: Mint Closing Down. Alternatives?
« Reply #57 on: November 13, 2023, 06:02:40 PM »
In transactions, you can manually edit and hide individual transactions, but not multiple (as far as I can tell), editing is more tedious if you want more discrete tracking; the category can be changed but you can't add new custom categories. 

I was just playing around with this today and you actually can add custom categories if you go into Spending Settings.

Awesome - thanks for sharing!

tj

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Re: Mint Closing Down. Alternatives?
« Reply #58 on: November 13, 2023, 07:52:47 PM »

bacchi

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Re: Mint Closing Down. Alternatives?
« Reply #59 on: November 20, 2023, 02:05:16 PM »
I was able to add 2 banks to Full View but it's having problems with Wells Fargo.

Re: Credit Karma: Does it actually do real-time monitoring of accounts? I'm logged in and there's no place to add a credit card account. It does list the accounts from the credit report but of course that's only reported monthly.

halfling

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Re: Mint Closing Down. Alternatives?
« Reply #60 on: November 21, 2023, 08:29:47 PM »
Empower / Personal Capital is the answer... I used to use Mint and switched to PC years ago. Both had some authentication issues over the years but lately no issues with Empower. It's extremely useful.

dmandley

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Re: Mint Closing Down. Alternatives?
« Reply #61 on: November 24, 2023, 10:02:05 AM »
I use Mint every day. This is big news for me!

That budget feature is being nixed doesn't surprise me-- it has been progressively neglected (or, to be frank, enshittified) since the Intuit purchase and has some real limitations.

Some of the original Mint team founded Monarch and they have a post about the shutdown:
https://www.monarchmoney.com/blog/mint-shutting-down

They actually make a pretty compelling case for using a paid service.

I would love to use YNAB but their fee is so high and they don't aggregate data at all.

Fantastic article! Thanks for sharing. I am now torn between Monarch and Everydollar. Does anyone know if you can import your Mint data to Everydollar?

Best,
Dillon

TheRagingLoon

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Re: Mint Closing Down. Alternatives?
« Reply #62 on: November 25, 2023, 05:46:00 PM »
It blows my mind how little Empower (Personal Capital) was mentioned here

To me itís the only answer


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JJ-

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Re: Mint Closing Down. Alternatives?
« Reply #63 on: November 26, 2023, 09:03:13 AM »
I recently signed up for rocket money before I found this thread. They are very similar to mint with a bit more added to it. They're a bit savvier on transactions, subscriptions, and opportunities to save money.

They have a free version and a premium version. The premium version lets you make rules about transactions and categories. $50/yr. Budget function seems intuitive but I'm just there for the cash to credit balance (generally).

They make money by splitting the savings they find for you when they negotiate lower costs on things like Internet.

Since I've already done the lift here, I'll probably stick with it and just the free version. I tried empower but I didn't like it. I'm intrigued by the fidelity offering but I have what I need here.

10dollarsatatime

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Re: Mint Closing Down. Alternatives?
« Reply #64 on: November 26, 2023, 12:18:50 PM »
I just signed up for simplifi.  It's fine, but doesn't sync with my state retirement account.  We'll see if it makes me crazy to update that manually.  Hopefully support for it will be added before too long.  I mostly like the budgeting features, although I will need to add a 'savings goal' so it doesn't just tell me that the unbudgeted money is available to spend.

Morning Glory

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Re: Mint Closing Down. Alternatives?
« Reply #65 on: November 27, 2023, 12:35:20 PM »
Fidelity did an update a few days ago and stripped most of the mint-like features from full view. No more investment tab, no more rule-setting for transactions (can still recategorize one by one, but it deleted rules i had previously set), no more reports, no more splitting transactions,  can't even view transactions by category. Disappointing given the timing as I would not have bothered to spend the time getting set up if I'd known the changes were coming.  Back to drawing board I guess.
« Last Edit: November 27, 2023, 12:37:01 PM by Morning Glory »

tj

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Re: Mint Closing Down. Alternatives?
« Reply #66 on: November 27, 2023, 12:43:09 PM »
Fidelity did an update a few days ago and stripped most of the mint-like features from full view. No more investment tab, no more rule-setting for transactions (can still recategorize one by one, but it deleted rules i had previously set), no more reports, no more splitting transactions,  can't even view transactions by category. Disappointing given the timing as I would not have bothered to spend the time getting set up if I'd known the changes were coming.  Back to drawing board I guess.

Same - you can still access the old version though.

https://digital.fidelity.com/ftgw/digital/emoney/home

Morning Glory

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Re: Mint Closing Down. Alternatives?
« Reply #67 on: November 27, 2023, 01:27:37 PM »
Fidelity did an update a few days ago and stripped most of the mint-like features from full view. No more investment tab, no more rule-setting for transactions (can still recategorize one by one, but it deleted rules i had previously set), no more reports, no more splitting transactions,  can't even view transactions by category. Disappointing given the timing as I would not have bothered to spend the time getting set up if I'd known the changes were coming.  Back to drawing board I guess.

Same - you can still access the old version though.

https://digital.fidelity.com/ftgw/digital/emoney/home

OOh thanks, it's all still there.  I bookmarked the link. Not going to count on it staying around, though I hope it goes past the end of the year.  I guess I will wait to see how credit karma is before trying empower or one of the paid options.

EOY is probably the worst time for mint to switch if you are a person who likes to retroactively see where the money is going.  I am trying to do better with categorizing (e.g. if I spend $300 at Costco and got some groceries and a bag of dog food and a gift for my kid's friend's birthday party and a new shirt I can split everything into the proper categories and it's not just a big black hole). I used to use a spreadsheet but that was more time consuming and has problems too e.g. if a receipt gets lost so I was constantly reconciling with mint.

kenner

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Re: Mint Closing Down. Alternatives?
« Reply #68 on: November 27, 2023, 06:26:02 PM »
It blows my mind how little Empower (Personal Capital) was mentioned here

To me itís the only answer


Have they stopped the constant harassment to invest with them/let them manage your investments?  I tried them and Mint out at the same time, and after maybe three months dropped them specifically because no matter how many times I told them I had no interest in their additional services they wouldn't back off.  If they've fixed that 'feature' I'd be willing to give them another try.

TheRagingLoon

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Re: Mint Closing Down. Alternatives?
« Reply #69 on: November 27, 2023, 06:40:31 PM »
It blows my mind how little Empower (Personal Capital) was mentioned here

To me itís the only answer


Have they stopped the constant harassment to invest with them/let them manage your investments?  I tried them and Mint out at the same time, and after maybe three months dropped them specifically because no matter how many times I told them I had no interest in their additional services they wouldn't back off.  If they've fixed that 'feature' I'd be willing to give them another try.
Iíve never been contacted by them.

I probably just jinxed myself.

mntnmn117

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Re: Mint Closing Down. Alternatives?
« Reply #70 on: November 28, 2023, 02:34:22 PM »
Mint will be moving all your transactions to KC. So, just stand by and all will be fine.

Mint's website currently says only 3 years of transaction data will move, I've been using mint since 2009 and would hate to lose the history.

I would love more feedback on Monarch as they seem to be basically paid Mint and are setup to import all your Mint transaction data.

mntnmn117

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Re: Mint Closing Down. Alternatives?
« Reply #71 on: November 28, 2023, 02:45:03 PM »
EOY is probably the worst time for mint to switch if you are a person who likes to retroactively see where the money is going.  I am trying to do better with categorizing (e.g. if I spend $300 at Costco and got some groceries and a bag of dog food and a gift for my kid's friend's birthday party and a new shirt I can split everything into the proper categories and it's not just a big black hole). I used to use a spreadsheet but that was more time consuming and has problems too e.g. if a receipt gets lost so I was constantly reconciling with mint.

Seriously bad timing. We're in the middle of a year long trip to South America and the next month we're in a rough internet spot between southern Bolivia/northern Argentina.  I'm going to be in 2FA hell trying to download transactions and migrate to something else before Jan 1, 2024.

charis

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Re: Mint Closing Down. Alternatives?
« Reply #72 on: November 28, 2023, 02:57:09 PM »
Full View seems to be fine for my purposes.  It's a little frustrating because there are two accounts that are connected in Mint that are not communicating with Full View, but I don't think that's going to be a deal breaker. 

Mint will be moving all your transactions to KC. So, just stand by and all will be fine.

Mint's website currently says only 3 years of transaction data will move, I've been using mint since 2009 and would hate to lose the history.

I would love more feedback on Monarch as they seem to be basically paid Mint and are setup to import all your Mint transaction data.

Can't you download your data history from Mint before it closes?

mntnmn117

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Re: Mint Closing Down. Alternatives?
« Reply #73 on: November 28, 2023, 03:05:43 PM »
Full View seems to be fine for my purposes.  It's a little frustrating because there are two accounts that are connected in Mint that are not communicating with Full View, but I don't think that's going to be a deal breaker. 

Mint will be moving all your transactions to KC. So, just stand by and all will be fine.

Mint's website currently says only 3 years of transaction data will move, I've been using mint since 2009 and would hate to lose the history.

I would love more feedback on Monarch as they seem to be basically paid Mint and are setup to import all your Mint transaction data.

Can't you download your data history from Mint before it closes?

Yeah, its just annoying that it's forcing the change and the short timeline. Usually companies spend longer sunsetting things. It feel like I've been getting emails for years about saving my photobucket account.

tj

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Re: Mint Closing Down. Alternatives?
« Reply #74 on: November 28, 2023, 09:10:12 PM »
If Fidelity odes indeed nerf Full View,

I'm curious about both Money Dance and Ace Money

https://moneydance.com/

https://www.mechcad.net/product/acemoney-personal-finance-software-quicken-alternative/

At least these are both one time costs for the software rather than monthly or annual subscription, but I don't know if they'll auto categorize the transactions. It would be tedious to manually assign everything a category.

getsorted

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Re: Mint Closing Down. Alternatives?
« Reply #75 on: November 30, 2023, 11:41:20 AM »
I would love more feedback on Monarch as they seem to be basically paid Mint and are setup to import all your Mint transaction data.

I'm doing a free trial of Monarch and have been unable to sync my Fidelity accounts at all. Monarch has a fairly active subreddit with company presence and apparently this issue has been going on for over a YEAR. The sub is full of workarounds and people saying that they finally got the syncing to work after dozens of tries, but updating is still an issue.

That might be a dealbreaker for me. A year is a long time not to have been able to fix an issue with a major financial institution.

Also, "set up to import your Mint transaction data" is generous. It's downloading and uploading a CSV file, and apparently there are multiple issues with split transactions, custom categories, etc.
« Last Edit: November 30, 2023, 11:43:20 AM by getsorted »

Tass

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Re: Mint Closing Down. Alternatives?
« Reply #76 on: November 30, 2023, 01:09:45 PM »
Maybe this is coincidence, but YNAB is also currently having problems syncing with Fidelity, although it has worked on and off in the last year. The problem might be on Fidelity's end.

beege

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Re: Mint Closing Down. Alternatives?
« Reply #77 on: November 30, 2023, 05:50:30 PM »
I just tired Empower for the second time. I really want to like it. I actually tried it 10 years ago when it was Personal Capital. Unfortunately I was quickly reminded on why I settled on Mint over Personal Capital all those years ago.

1. You cannot manually enter transactions meaning any cash transactions (not linked to a card or account) cannot be tracked using the application. Sure you can have a manual "bank account" and track a balance manually but you will not get transactions from modifying the balance. Our household doesn't do a whole lot of cash spending, but it does do enough that lacking this feature is highly annoying.
2. It does not sync with my Penfed credit card. Probably not an issue for most. I put in the request to support it 10 years ago and they still haven't gotten around to it.

Looks like I'll be looking at the other alternatives.

Just FYI if you do use Empower and you don't want to be contacted you can exclude the accounts you don't want to be contacted about in the settings menu. Also IIRC back in 2013 they wouldn't contact you until your net worth exceeded 100K or so. If you don't track your investment accounts in it then they probably won't ever contact you.
« Last Edit: November 30, 2023, 06:08:13 PM by beege »

beege

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Re: Mint Closing Down. Alternatives?
« Reply #78 on: November 30, 2023, 08:37:20 PM »
I looked around at some alternatives and also found NerdWallet and Rocket Money. Both use something called "Plaid" to actually link the accounts (and apparently YNAB uses the same thing).

First I tried NerdWallet. I was unable to link to my Penfed card (due to an error) and it though it listed Fidelity it said it did not support connections between Plaid and NerdWallet. Like NerdWallet was blocked explicitly. Weird.

So then I tried Rocket Money. Rocket Money didn't list even Fidelity. It got farther along in Linking Penfed but also errored out in the end.

I understand not supporting Penfed (since it's a relatively small credit union) but straight up not supporting Fidelity is pretty bad. Maybe there's something else going on which is why the YNAB users are also having issues.

Update: I actually signed up with Plaid (as a developer) and you can see the status of the API for various institutions. Penfed lists a 0% success rate (not surprising from my testing above) and Fidelity Investments / Fidelity Rewards doesn't appear at all - so there must be something going down between Plaid and Fidelity right now which would explain the YNAB issues. For a control I also looked at the data for Capital One (98% success) and Chase (99%) success.

Also tried the Fidelity Full View. Ran into issues of it not allowing manual transactions and not actually pulling transaction data (just balances) from external accounts. Pretty useless.

Looking like I'll probably have to pay money to find an equivalent to mint.
« Last Edit: November 30, 2023, 10:11:27 PM by beege »

HTX91

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Re: Mint Closing Down. Alternatives?
« Reply #79 on: December 01, 2023, 03:47:56 AM »
I looked around at some alternatives and also found NerdWallet and Rocket Money. Both use something called "Plaid" to actually link the accounts (and apparently YNAB uses the same thing).

First I tried NerdWallet. I was unable to link to my Penfed card (due to an error) and it though it listed Fidelity it said it did not support connections between Plaid and NerdWallet. Like NerdWallet was blocked explicitly. Weird.

So then I tried Rocket Money. Rocket Money didn't list even Fidelity. It got farther along in Linking Penfed but also errored out in the end.

I understand not supporting Penfed (since it's a relatively small credit union) but straight up not supporting Fidelity is pretty bad. Maybe there's something else going on which is why the YNAB users are also having issues.

Update: I actually signed up with Plaid (as a developer) and you can see the status of the API for various institutions. Penfed lists a 0% success rate (not surprising from my testing above) and Fidelity Investments / Fidelity Rewards doesn't appear at all - so there must be something going down between Plaid and Fidelity right now which would explain the YNAB issues. For a control I also looked at the data for Capital One (98% success) and Chase (99%) success.

Also tried the Fidelity Full View. Ran into issues of it not allowing manual transactions and not actually pulling transaction data (just balances) from external accounts. Pretty useless.

Looking like I'll probably have to pay money to find an equivalent to mint.

Have you tried the Tiller route yet? I personally haven't, but after trying out EveryDollar (not impressed), Empower (meh), and YNAB (seems fairly good, but not sold on it yet). Curious of what a fellow Mint-user thought.

JJ-

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Re: Mint Closing Down. Alternatives?
« Reply #80 on: December 01, 2023, 07:16:35 AM »
I looked around at some alternatives and also found NerdWallet and Rocket Money. Both use something called "Plaid" to actually link the accounts (and apparently YNAB uses the same thing).

First I tried NerdWallet. I was unable to link to my Penfed card (due to an error) and it though it listed Fidelity it said it did not support connections between Plaid and NerdWallet. Like NerdWallet was blocked explicitly. Weird.

So then I tried Rocket Money. Rocket Money didn't list even Fidelity. It got farther along in Linking Penfed but also errored out in the end.

I understand not supporting Penfed (since it's a relatively small credit union) but straight up not supporting Fidelity is pretty bad. Maybe there's something else going on which is why the YNAB users are also having issues.

Update: I actually signed up with Plaid (as a developer) and you can see the status of the API for various institutions. Penfed lists a 0% success rate (not surprising from my testing above) and Fidelity Investments / Fidelity Rewards doesn't appear at all - so there must be something going down between Plaid and Fidelity right now which would explain the YNAB issues. For a control I also looked at the data for Capital One (98% success) and Chase (99%) success.

Also tried the Fidelity Full View. Ran into issues of it not allowing manual transactions and not actually pulling transaction data (just balances) from external accounts. Pretty useless.

Looking like I'll probably have to pay money to find an equivalent to mint.

Fidelity doesn't work with plaid and other data aggregators due to data scraping issues. They have been at the forefront of protecting client data. Read more here.

getsorted

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Re: Mint Closing Down. Alternatives?
« Reply #81 on: December 01, 2023, 08:50:16 AM »
I looked around at some alternatives and also found NerdWallet and Rocket Money. Both use something called "Plaid" to actually link the accounts (and apparently YNAB uses the same thing).
 

Monarch uses multiple data aggregators - Plaid, Fincity, MX, and I think others-- to try to get every institution possible. None of them are working reliably with Fidelity, who use their own, Akoya. I don't know why Monarch isn't adding Akoya; its whole schtick is that they link more accounts than anyone else.

NorCal

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Re: Mint Closing Down. Alternatives?
« Reply #82 on: December 01, 2023, 08:52:57 AM »
https://www.tillerhq.com/

I'm a fan of Tiller for the spreadsheet inclined.  It pulls in all of your transactions and balances into a spreadsheet to do what you want with.

PVD_Kev

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Re: Mint Closing Down. Alternatives?
« Reply #83 on: December 05, 2023, 06:37:17 AM »
I would love more feedback on Monarch as they seem to be basically paid Mint and are setup to import all your Mint transaction data.

I'm doing a free trial of Monarch and have been unable to sync my Fidelity accounts at all. Monarch has a fairly active subreddit with company presence and apparently this issue has been going on for over a YEAR. The sub is full of workarounds and people saying that they finally got the syncing to work after dozens of tries, but updating is still an issue.

That might be a dealbreaker for me. A year is a long time not to have been able to fix an issue with a major financial institution.

Also, "set up to import your Mint transaction data" is generous. It's downloading and uploading a CSV file, and apparently there are multiple issues with split transactions, custom categories, etc.

Ugh, I wish I would have seen this before I dropped $50 for a year's subscription with Monarch! Oh well, I will post some updates as I migrate from Mint to Monarch in the next several weeks. 

It seems that, like real estate, there is no perfect property to move to. I had beef with Mint's crappy investment interface, dumb AI on transactions, and lack of multi-year planning tools, but I managed to work around them the last 10 years. I suppose I will do the same with Monarch.

PVD_Kev

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Re: Mint Closing Down. Alternatives?
« Reply #84 on: December 05, 2023, 06:41:16 AM »
Seconded!

You all just need to pony up $79/yr for Tiller https://www.tillerhq.com/ and be done with it. You own all your data as it is in your own Google Sheet or Excel. You can set up your own autocategorization rules, split transactions, and break categories down however you want. There is also a large community of spreadsheet nerds producing open source sheets to look at your data in more ways than you can imagine. I've been with them for 2 years now after wasting 10 years on Mint and Personal Capital.

I also tried Simplifi which I really liked, but it will not (or did not at the time I used it) let you change account designation. I use a Fidelity CMA as my checking account and it was categorizing all my bill pay and income as investment transactions with no way to fix it. I've not tried it since it was brand new so they may have improved it.

I'm definitely intrigued--this looks like the perfect combination for me. I currently have Mint along with a very messy manually updated Excel sheet that tracks our various retirement/investment accounts. I mostly use Mint for tracking categories of spending against my budget, but I have to spend much more time than I like recategorizing transactions.

My system was exporting my transactions from Mint by a CSV file once a month into my custom spreadsheet and manipulating the data there. Tiller cuts out the middle step and the company is very responsive to fixing issues because you are paying for the service. My favorite thing about tiller though is the community project open source spreadsheets. Want your spreadsheet to function on 0 dollar budgeting like YNAB? There is a custom spreadsheet for that. Every dollar envelope system - There's a sheet. Cashflow analysis and retirement planner with estimated FI date - there's a sheet. Honey money calendar - its on Tiller. The community has copied/improved every budgeting software out there and the best part is they all function off the same set of base spreadsheets. If you want to try YNAB style budgeting for a few months, just copy in the sheet and it will update based on all your linked accounts and show passed transactions automatically.

Thank you for this.  I am comfortable managing spreadsheets already so this may be what I end up using. It just won't be accessible for my partner, who is not spreadsheet savvy.

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Re: Mint Closing Down. Alternatives?
« Reply #85 on: December 05, 2023, 09:50:35 AM »
Thank you for this.  I am comfortable managing spreadsheets already so this may be what I end up using. It just won't be accessible for my partner, who is not spreadsheet savvy.

I created a fund management tab for my partner who doesn't like spreadsheets either. They can easily see how much money is available and where our CC balance and net worth stands. Some of the built-in spreadsheets have nice simple graphics to explain spending and savings as well.

My favorite part of using a spreadsheet over pre-built software is the customization. We have a vacation home/AirBnB and I can break out the expenses and see how much we spend where on the vacation home versus our permanent residence. It also helps when it is time to do the taxes!

tj

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Re: Mint Closing Down. Alternatives?
« Reply #86 on: December 05, 2023, 09:51:56 AM »
Thank you for this.  I am comfortable managing spreadsheets already so this may be what I end up using. It just won't be accessible for my partner, who is not spreadsheet savvy.

I created a fund management tab for my partner who doesn't like spreadsheets either. They can easily see how much money is available and where our CC balance and net worth stands. Some of the built-in spreadsheets have nice simple graphics to explain spending and savings as well.

My favorite part of using a spreadsheet over pre-built software is the customization. We have a vacation home/AirBnB and I can break out the expenses and see how much we spend where on the vacation home versus our permanent residence. It also helps when it is time to do the taxes!

This is neat! Do you manually enter each transaction or do you import it somehow?

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Re: Mint Closing Down. Alternatives?
« Reply #87 on: December 05, 2023, 10:04:57 AM »
Thank you for this.  I am comfortable managing spreadsheets already so this may be what I end up using. It just won't be accessible for my partner, who is not spreadsheet savvy.

I created a fund management tab for my partner who doesn't like spreadsheets either. They can easily see how much money is available and where our CC balance and net worth stands. Some of the built-in spreadsheets have nice simple graphics to explain spending and savings as well.

My favorite part of using a spreadsheet over pre-built software is the customization. We have a vacation home/AirBnB and I can break out the expenses and see how much we spend where on the vacation home versus our permanent residence. It also helps when it is time to do the taxes!

This is neat! Do you manually enter each transaction or do you import it somehow?

Tiller automatically populates transactions in one tab and account balances in another tab using Yodlee (Mint and Personal Capital used Yodlee at one time; I believe YNAB uses Yodlee). All the other tabs for analysis and budgeting reference the auto populated tabs. My spreadsheet folio is made up almost entirely of community sourced sheets that all reference the base tiller template. It makes it easy to bring in someone else's spreadsheet for say 0 dollar budgeting or a waterfall graph of income/expenses and auto populate it with your data.

tj

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Re: Mint Closing Down. Alternatives?
« Reply #88 on: December 05, 2023, 10:52:39 AM »
Thank you for this.  I am comfortable managing spreadsheets already so this may be what I end up using. It just won't be accessible for my partner, who is not spreadsheet savvy.

I created a fund management tab for my partner who doesn't like spreadsheets either. They can easily see how much money is available and where our CC balance and net worth stands. Some of the built-in spreadsheets have nice simple graphics to explain spending and savings as well.

My favorite part of using a spreadsheet over pre-built software is the customization. We have a vacation home/AirBnB and I can break out the expenses and see how much we spend where on the vacation home versus our permanent residence. It also helps when it is time to do the taxes!

This is neat! Do you manually enter each transaction or do you import it somehow?

Tiller automatically populates transactions in one tab and account balances in another tab using Yodlee (Mint and Personal Capital used Yodlee at one time; I believe YNAB uses Yodlee). All the other tabs for analysis and budgeting reference the auto populated tabs. My spreadsheet folio is made up almost entirely of community sourced sheets that all reference the base tiller template. It makes it easy to bring in someone else's spreadsheet for say 0 dollar budgeting or a waterfall graph of income/expenses and auto populate it with your data.

Does it auto-categorize transactions?

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Re: Mint Closing Down. Alternatives?
« Reply #89 on: December 05, 2023, 11:16:08 AM »
Thank you for this.  I am comfortable managing spreadsheets already so this may be what I end up using. It just won't be accessible for my partner, who is not spreadsheet savvy.

I created a fund management tab for my partner who doesn't like spreadsheets either. They can easily see how much money is available and where our CC balance and net worth stands. Some of the built-in spreadsheets have nice simple graphics to explain spending and savings as well.

My favorite part of using a spreadsheet over pre-built software is the customization. We have a vacation home/AirBnB and I can break out the expenses and see how much we spend where on the vacation home versus our permanent residence. It also helps when it is time to do the taxes!

This is neat! Do you manually enter each transaction or do you import it somehow?

Tiller automatically populates transactions in one tab and account balances in another tab using Yodlee (Mint and Personal Capital used Yodlee at one time; I believe YNAB uses Yodlee). All the other tabs for analysis and budgeting reference the auto populated tabs. My spreadsheet folio is made up almost entirely of community sourced sheets that all reference the base tiller template. It makes it easy to bring in someone else's spreadsheet for say 0 dollar budgeting or a waterfall graph of income/expenses and auto populate it with your data.

Does it auto-categorize transactions?

It has a auto-categorize tab built in, so you set your own rules for auto-categorization. You can auto-categorize based on any combination description, account, institution, and amount. I have about 50 rules on my autocat tab and it categorizes about 90% of my spending automatically. Any miss-categorizations can be handles in the future by tweaking the autocat tab.

getsorted

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Re: Mint Closing Down. Alternatives?
« Reply #90 on: December 05, 2023, 02:59:45 PM »
I would love more feedback on Monarch as they seem to be basically paid Mint and are setup to import all your Mint transaction data.

I'm doing a free trial of Monarch and have been unable to sync my Fidelity accounts at all. Monarch has a fairly active subreddit with company presence and apparently this issue has been going on for over a YEAR. The sub is full of workarounds and people saying that they finally got the syncing to work after dozens of tries, but updating is still an issue.

That might be a dealbreaker for me. A year is a long time not to have been able to fix an issue with a major financial institution.

Also, "set up to import your Mint transaction data" is generous. It's downloading and uploading a CSV file, and apparently there are multiple issues with split transactions, custom categories, etc.

Ugh, I wish I would have seen this before I dropped $50 for a year's subscription with Monarch! Oh well, I will post some updates as I migrate from Mint to Monarch in the next several weeks. 

It seems that, like real estate, there is no perfect property to move to. I had beef with Mint's crappy investment interface, dumb AI on transactions, and lack of multi-year planning tools, but I managed to work around them the last 10 years. I suppose I will do the same with Monarch.


If it helps, my YNAB trial isn't going any better. Curious how you got a $50 price? They quoted me $80!

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Re: Mint Closing Down. Alternatives?
« Reply #91 on: Today at 07:31:16 AM »

If it helps, my YNAB trial isn't going any better. Curious how you got a $50 price? They quoted me $80!

By using the "MINT50" discount code. :)

 

Wow, a phone plan for fifteen bucks!