Clarity vs Mint
Last updated: February 2026
Mint shut down in March 2024, leaving millions of users without a budgeting tool. Clarity picks up where Mint left off with modern bank connections, crypto support, and reliable syncing. If you're looking for a Mint replacement that actually works, Clarity is the closest match with significant upgrades.
Who Should Choose What
Choose Clarity if...
Users who want automated expense tracking with crypto and investment support in one place
- Hybrid investors with both traditional and crypto assets
- People who want automated categorization over manual budgeting
- Users who need a single net worth view across all accounts
- Crypto holders who need cost basis tracking for taxes
Choose Mint if...
No longer available — Mint was discontinued in March 2024
- Was best for casual budgeters who wanted free tracking
- Users who needed basic spending categories
Rubric Comparison
Each criterion scored 0-5 with evidence sources. Hover over badges for details.
| Criterion | Clarity | Mint |
|---|---|---|
Account Coverage Range of financial accounts and asset types supported. | 5/5 Banks, brokerages, crypto exchanges, and on-chain wallets in a single dashboard. Internal | 2/5 Mint supported bank and credit card connections but never added crypto or brokerage tracking. Docs |
Sync Reliability How consistently account data syncs without errors or manual intervention. | 4/5 Built on Plaid with automatic retry logic and connection health monitoring. Internal | 2/5 Mint was plagued by sync failures and broken connections in its final years. Docs |
Setup Time Time from sign-up to a fully connected, useful dashboard. | 4/5 Connect accounts in under 5 minutes. No manual categorization required to start. Internal | 3/5 Mint had a straightforward onboarding flow but required more manual budget setup. Docs |
Pricing Predictability How transparent and stable the pricing is over time. | 4/5 Simple flat-rate pricing with no hidden fees or upsells. Internal | 3/5 Mint was free but monetized through ads and financial product recommendations. Docs |
Data Freshness How quickly new transactions and price changes appear. | 4/5 Transactions sync multiple times per day with on-demand refresh available. Internal | 2/5 Mint often had multi-day delays and stale balances in its later years. Docs |
Historical Depth How far back transaction and portfolio history extends. | 3/5 Imports up to 24 months of transaction history depending on the institution. Internal | 3/5 Mint retained full history for the lifetime of the account. Docs |
Export & Reporting Ability to export data and generate financial reports. | 4/5 CSV export, spending breakdowns, and net worth charts available from the dashboard. Internal | 2/5 Mint offered basic CSV exports but limited reporting customization. Docs |
Privacy & Security Data protection practices, encryption, and privacy controls. | 4/5 End-to-end encryption, no ad-driven data model, and SOC 2-aligned practices. Internal | 2/5 Mint monetized user data through targeted financial product ads. Docs |
Developer Experience API access, webhooks, and extensibility for power users. | 3/5 No public API yet, but CSV exports enable integration with other tools. Internal | 1/5 Mint never offered a public API. Docs |
Detailed Breakdown
Account Coverage
Your net worth is only accurate if every account is included — banks, brokerages, crypto exchanges, and wallets.
Clarity connects to over 12,000 banks and credit unions through Plaid, plus major crypto exchanges via CCXT and on-chain wallets via Alchemy. This means your checking account, Coinbase portfolio, and Ethereum wallet all appear in a single dashboard.
Mint was limited to traditional bank and credit card accounts. It never expanded into crypto, brokerage tracking, or alternative assets, leaving users to juggle multiple apps.
Clarity covers significantly more ground, especially for users with any crypto or investment holdings.
Sync Reliability
Unreliable syncs mean stale data and manual workarounds — defeating the purpose of automation.
Clarity uses automatic retry logic with exponential backoff and monitors connection health to alert you before a sync breaks. Failed connections are flagged in the UI with clear remediation steps.
Mint's reliability deteriorated significantly in its final two years, with users regularly reporting broken connections that took weeks to resolve. Intuit's support was slow to respond.
Reliability was Mint's biggest pain point. Clarity was built specifically to avoid those same failure modes.
Data Freshness
Delayed data leads to budgeting mistakes and missed market movements.
Clarity syncs transactions multiple times per day automatically and supports manual refresh on demand. Crypto prices update in near real-time using market data feeds.
Mint often showed stale data, with balances sometimes days out of date. Users frequently had to manually trigger refreshes that would fail silently.
Fresh data is table stakes for financial tracking. Clarity delivers it consistently; Mint struggled with it.
Privacy & Security
Financial data is among the most sensitive personal information — security failures are catastrophic.
Clarity has no ad-supported revenue model. Your financial data is encrypted at rest and in transit, and is never sold or shared with advertisers or financial product partners.
Mint was free because it monetized user data through targeted financial product recommendations and advertising. Users were the product, not the customer.
If data privacy matters to you, Clarity's paid model means your data stays yours.
How to Switch
Switching from Mint
- 1Export your Mint data from Credit Karma (where Mint accounts were migrated)
- 2Create a Clarity account and connect your bank accounts via Plaid
- 3Your transaction history will import automatically from connected institutions
- 4Review your dashboard to confirm all accounts are syncing correctly
Frequently Asked Questions
Is Mint still available?
No. Intuit shut down Mint in March 2024 and migrated users to Credit Karma. Credit Karma does not offer the same budgeting and expense tracking features that Mint had.
Can I import my old Mint data into Clarity?
Clarity imports transaction history directly from your connected institutions, typically covering the last 24 months. You do not need to manually import Mint CSV files, though your oldest Mint history may not carry over.
Does Clarity have ads like Mint did?
No. Clarity is a paid product with no advertising. Your financial data is never used for ad targeting or sold to third parties.
Does Clarity support crypto tracking that Mint never had?
Yes. Clarity connects to major crypto exchanges like Coinbase, Kraken, and Binance, plus on-chain Ethereum and Solana wallets. Your crypto holdings appear alongside your bank accounts in a unified net worth view.
Ready to See the Full Picture?
14-day free trial. No credit card required. Banks + crypto in one place.
Need plan details? See pricing.