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Clarity vs Mint: pricing, features, and fit
Mint shut down in March 2024. Clarity is the modern replacement — banks, brokerages, 130+ crypto exchanges, 40+ chains, life-event planning, and tax-form exports Mint never offered.
MintDiscontinued (2024)Clarity Pro$19/mo or $179/yr
30-day money-back guarantee. Read-only — Clarity never moves your money.
Best fit for Clarity
Banks + brokerages + 130+ crypto exchanges + 40+ chains. One read-only workspace.
Best fit for Mint
Mint is no longer accepting new users — Credit Karma absorbed credit-score features but not the budgeting tool.
Score at a glance
Average across 7 criteria — every cell dated and sourced below.
- Clarity4.3
- Mint1.4
Where Clarity goes further
Life-event planner with mutable budget state
Mint: Never had a scenario planner — and the product was discontinued in March 2024.
Model a job change, baby, or home purchase — forecast cash flow against real accounts.
Merchant-level analytics
Mint: Category-level only — and the product is discontinued.
Amazon, DoorDash, Spotify normalized and rolled up across years — beyond category averages.
Lot-level cost basis + Form 8949
Mint: Never offered any investment cost-basis or tax-form workflow.
FIFO/HIFO/LIFO across exchanges and wallets; wash-sale flags; tax-ready exports.
130+ crypto exchanges + 40+ chains
Mint: Never supported crypto in any form — banks and credit cards only.
Coinbase, Binance, Kraken, MetaMask, Phantom, Ledger — direct APIs and on-chain reads.
No advertising data trail
Mint: Ad-supported throughout its life — in-app credit-card and loan offers were the business model.
No ad business model, no analytics-for-ads cookies, no de-identified data sharing.
AI grounded in your real transactions
Mint: No AI assistant in the product, and the product was discontinued in 2024.
Every answer cites the underlying transaction; nothing fabricated.
Clarity AI in action
Four questions Clarity can answer that Mint never could
Mint stopped at banks and cards. Clarity covers the same accounts plus brokerages, 130+ crypto exchanges, on-chain wallets across 40+ chains, and lot-level cost basis — and cites the transactions behind every answer.
Subscription audit
You: Show me subscriptions I haven't used in 60 days.
7 subs · $189/mo · $2,268/yr.
Notion $16 (last login 87d) · DoorDash DashPass $10 (last order 142d) · Audible $15 · Calm $15 · Disney+ $13 · NYT $17 · Headspace $13. Each tied to the recurring merchant transaction it came from.
Cross-asset concentration
You: What's my real tech exposure including target-date funds and crypto?
42.1% — higher than your stock-screen number.
Direct $184k (AAPL, MSFT, NVDA) + lookthrough $94k (VTSAX 28% tech + 401(k) TDF 23% tech) + RSU $62k + $38k ETH+SOL on-chain. Above your 30% concentration target.
Cost basis across venues
You: What's my cost basis on AAPL after the Schwab transfer?
$182.40 average (FIFO) across 312 shares.
218 shares from Schwab (transferred basis preserved) + 94 shares purchased at Fidelity. Lot table linked. Wash-sale check clean.
On-chain risk
You: Is my Aave loan close to liquidation?
Health factor 1.42 — 28% buffer to liquidation.
3.2 ETH supplied (Base) · $4,200 USDC borrowed. Liquidation price $1,640 vs spot $2,278. Refreshed 4 min ago. Alert threshold set at 1.20.
Every answer cites the underlying transactions, lots, or positions. Read-only — Clarity never moves money, never trades, never trains on your data.
Feature comparison
| Feature | Clarity | Mint |
|---|---|---|
| Account Coverage Range of financial accounts and asset types supported. | Leads, score 5 out of 5 Banks · brokerages · 130+ crypto exchanges · 40+ chains · manual assets. May 2026 | Behind, score 1 out of 5 Banks · credit cards only. Discontinued March 2024 — no longer syncs. May 2026 ↗ |
| Sync Reliability How consistently account data syncs without errors or manual intervention. | Leads, score 4 out of 5 Automatic retry · connection-health monitoring · explicit error states. May 2026 | Behind, score 1 out of 5 Product shut down by Intuit on March 23, 2024 — no active syncing. May 2026 ↗ |
| Pricing Predictability How transparent and stable the pricing is over time. | Leads, score 5 out of 5 Pro $19/mo · $179/yr · 30-day money-back · no AUM %. May 2026 | Behind, score 2 out of 5 Was free, ad-supported · in-app credit-card and loan referrals · no longer available. May 2026 ↗ |
| Data Freshness How quickly new transactions and price changes appear. | Leads, score 4 out of 5 Multi-sync daily · on-demand refresh · real-time crypto prices. May 2026 | Behind, score 1 out of 5 No active syncing — product discontinued. May 2026 ↗ |
| Historical Depth How far back transaction and portfolio history extends. | Leads, score 3 out of 5 ~24 months from Plaid. Daily net-worth snapshots after sign-up. May 2026 | Behind, score 2 out of 5 Multi-year history existed but is now locked inside Credit Karma migration path. May 2026 ↗ |
| Export & Reporting Ability to export data and generate financial reports. | Leads, score 4 out of 5 CSV · net-worth · portfolio performance · Form 8949–ready crypto exports. May 2026 | Behind, score 2 out of 5 Basic CSV export was available pre-shutdown · no tax-form workflow. May 2026 ↗ |
| Privacy & Security Data protection practices, encryption, and privacy controls. | Leads, score 5 out of 5 Read-only · encrypted at rest · no ad model · no ad cookies · deletion ≤30 days. May 2026 | Behind, score 1 out of 5 Ad- and referral-driven business model · users migrated into Credit Karma on shutdown. May 2026 ↗ |
Where Mint genuinely won
Mint taught a generation of Americans that they could see their accounts in one place. The model couldn't survive because the cost was their data — but the original insight was right.
What we verified
- Mint was shut down on March 23, 2024
- Intuit retired the Mint product and stopped account syncing on that date. Intuit / Mint announcement ↗
- Users were migrated to Credit Karma
- Intuit redirected Mint users into Credit Karma rather than a successor budgeting tool. Credit Karma — Mint ↗
- Credit Karma kept credit, dropped budgeting
- The migration preserved credit-score and account-monitoring features but not Mint's budgets, categories, or net-worth workflow. Credit Karma — Mint ↗
Deeper, if you want it
How to get started with Clarity
easy·10 minutes
- 01If you still have a Mint export from before shutdown (or pulled one through Credit Karma's Mint migration), keep the CSV for reference — it won't import directly but is useful for sanity-checking history.
- 02Sign up for Clarity and re-link your bank and credit-card accounts via Plaid — the same institutions Mint used will appear immediately.
- 03Add the brokerages, crypto exchanges, and on-chain wallets Mint never supported (Coinbase API key, MetaMask address, etc.).
- 04Review your dashboard — ~24 months of transaction history imports automatically; net worth and merchant rollups appear within minutes.
Frequently asked questions
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The Mint replacement built around your money.
Banks, brokerages, crypto, and DeFi together. 30-day money-back guarantee — a full refund if Clarity isn't for you.
Sources
Trademarks belong to their owners. Clarity is independent and not affiliated with Mint. Comparison reflects publicly available info as of 2026-05-18; verify current pricing on each vendor's site.