Looking for a Mint alternative?

Mint was free because it made money from ads and financial product referrals. For 15 years that model funded a product millions of people relied on. Then Intuit, which had acquired Mint in 2009, decided the economics no longer worked. In October 2023 they announced the shutdown. By March 2024, Mint was gone.

The lesson is straightforward: if you are not paying for the product, the product can disappear when the business model stops working. Endute charges a subscription because that is the only model where the product serves you instead of advertisers. It is also the only model where the company has a reason to keep improving the product rather than optimising ad placement.

When Mint shut down, Intuit directed users to Credit Karma. But Credit Karma dropped the features Mint users actually relied on. There is no budgeting. No custom categories (only 26 fixed ones). No transaction splitting. No savings goals. No subscription management. Transaction descriptions cannot even be edited.

What Credit Karma does offer is credit scores, loan recommendations, and credit card comparisons powered by your financial data. It is a financial product marketplace, not a budgeting tool. If what you wanted from Mint was help managing your money, Credit Karma is not it.

Endute replaces every core Mint feature: budgeting with custom categories, net worth tracking, bill and subscription monitoring, transaction categorisation, and spending analytics. But it also adds capabilities Mint never built.

Investment portfolio tracking with TWR, MWR, and benchmark comparisons. FIRE planning with Monte Carlo simulation and historical backtesting. Multi-currency support across 150+ currencies. A cash flow Sankey diagram showing exactly how money flows from income to expenses. Eleven report types including P&L and tax reporting. AI-powered financial insights generated overnight. These are the features Mint would have needed to build to stay relevant. Endute already has them.

Mint showed you ads for credit cards based on your spending patterns. Credit Karma does the same thing, more aggressively. Both models treat your financial data as inventory to sell against.

Endute has one revenue source: your subscription. We do not show ads, do not recommend financial products for commission, and do not license your data to third parties. We are hosted in the EU (Germany) with full-disk encryption. When you pay for the product, you are the customer. When the product is free, you are what is being sold.