Mint.com is one of the most popular personal finance sites on the internet. It’s been around since 2007. It’s owned by Intuit, which also makes TurboTax and QuickBooks. Mint is easy to learn and it automates nearly every aspect of making a budget and tracking your spending. Mint also offers Mint Bills, a free bill pay site, and a free credit score report.

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The Good

Free to use
Set up goals
Customize budget and alerts

Mint is free, and gets you up and running with your budget and account views within minutes thanks to their step-by-step tutorial when you sign up. After you set up your accounts, Mint imports the last 3 months of transactions. Mint's predefined categories are applied to each transaction and, based on these categories, it automatically creates a budget for you. You can add as many sub-categories as you like and Mint will remember these assignments going forward. Mint.com is one of the most popular personal finance sites on the internet. It automates nearly every aspect of making a budget and tracking your spending. Some of Mint's highlights include:

Free
Quick set up
Past transactions
Automatic budget creation
Customizable
Goal setting
Versatile home page
Free credit score
Triple layer security
Mobile access

Also, you're not stuck with the initial automatic budget; you can tinker with it to your own liking. In addition to budgeting, Mint also allows you to set up goals like paying off your credit card or saving up for a big purchase, and tracks your progress toward those goals. Since Mint can capture all of your accounts, the dashboard home page makes it simple to see your financial health at-a-glance, including:

Recent transactions
Spending by category
Budget tracking
Alerts
Advice and tips
Account balances
Net worth

Alerts can be customized based on your preferences. Mint will send notifications through email or text message informing you of a low balance, unusual spending, fees incurred or goals reached. The design is colorful and easy to read and you can customize it by adding or removing charts and widgets. Mint also supports mobile access, providing apps for:

iOS
Google Play
Windows Phone
Amazon

Mint is the only personal finance site to offer free credit score tracking, provided via Equifax - not even a credit card required. This feature is critical if you're saving for a big purchase like a home or a car. You can even opt to display your score on your home dashboard page so that you can keep constant tabs on it. To ensure high levels of security, Mint operates on a "triple layer security" system. Additional security authentication is required on mobile devices with a 4-digit pin for its mobile apps - or you can opt to use Touch ID fingerprint verification for iOS.

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The Bad

Manually add accounts
No demo
Too simplistic for some needs

While Mint gives you a detailed view of your financial past and present, it falls short on forecasting your future balances. You can't manually add accounts, which some people prefer instead of handing over their account information to automatically sync bank and credit card transactions. Mint also doesn't offer functionality to reconcile your bank statements (what we used to call "balancing your checkbook") either. Some common concerns regarding Mint include:

Advertising
Little pre-sign up info
Lacks forecasting
No reconciling
Few investment tools

Mint offers it's services for free, which means they have included advertising on the site. Although it's simple to get set up Mint with the tutorials provided after you register, there is little pre-signup information offered on the website. Some people may feel uncomfortable signing up for a product they can't demo or even see in a video ahead of time. If you're a high-end user of investment and wealth management tools, Mint will probably seem too simplistic for you. It also doesn't support many financial institutions outside of the U.S. In fact, there isn't even an option to purchase an upgrade to get this type of functionality.

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The Bottom Line

Mint.com is one of the most popular online personal finance sites - and for good reason. It excels in helping you create and stick to a budget and keeps you on track with your financial goals across a wide variety of devices. Mint's free credit score tracking is a killer app which is unique among its competitors and this feature alone would be a good reason for choosing Mint. Its security pedigree, hailing from its parent company, Intuit, is solid and trustworthy. Those that use Mint can expect the following from their service:

Free software
Quality financial management tools
Advertising on the app

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User Reviews

Star Rating

4.3

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104 Reviews

Review Breakdown

5 grade

53%

4 grade

30%

3 grade

10%

2 grade

1 grade

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Kate Dayton, OH

Mint has been a great finance app for me starting out as a young adult. With this new update, I am now completely obsessed. It is so easy and streamlined, showing me my finances, bills, budget and spending. I love how new and easy it is to use and keep track of my money. The budget wheel and aspect is wonderful, I Love being able to put in bills and mark them as paid, and the overarching view of my financial standing is very helpful at a glance. I would (and do) recommend the Mint app to anyone I know that I talk to about money and budgeting.

5 years ago

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Alyssa Rowlett, TX

My husband and I were introduced to Mint.com very early in our marriage and it was so easy to keep track of all of our finances, be on the same page, and get great data to know how we can improve on our monthly budget. It was a huge relief to me because before, finances and budgeting stressed me out. I shared it with all of my family members and many friends.

5 years ago

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David Stickles West Jordan, UT

Great tool for people who do not natural have a budget ticking in their head. Really let’s you see where your spending is going and the best areas you can improve. Makes planning a trip or big purchase less of a guessing game.

2 years ago

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Eddie Rios Ogden, UT

What a great financial tool to track and maintain your financial accounts. I used it and within weeks, it had a positive effect on my screwball finances. It all become manageable and easy to manipulate. I wish more things had this impact on your stuff. But at least bills and savings will be better handled with the help of Mint.com.

3 years ago

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Thomas Hullinger Pleasant Grove, UT

Mint has been very valuable to me, in helping me prepare a budget, keeping track of my expenses and categorizing everything so it is easy to find. I like their reminders of payments coming due and you just pay for what you need.

5 years ago

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Lindsey American Fork, UT

I use Mint now - I LOVE IT! Everything is in one spot, they are very user-friendly, and when I need to do my taxes on turbo tax, I can link up my Mint account to it. It is helpful if you want to pay off debts, make financial goals, etc. You don't have to pay for this service which is even better.

5 years ago

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Cassidy Gundersen Orem, UT

My husband and I used Mint for the first few years of marriage as it was the best tool we could find. The user interface drastically changed for the better during our time using it. It became more visual and easy to use. However, it often takes days to upload transactions and often has issues loading the app. It would pull old data and made budgeting difficult to do since it would often not upload properly. It is not very customizable, which is our biggest complaint. You are stuck using their templates and cannot change to fit your own needs. It also miscategorizes many transactions, which makes the entire budget system less effective.

5 years ago

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Anne Sainsbury Orem, UT

I started using the Mint App about 4 months ago. I had never used a financial management app before and I was amazed at how easy it was to set up with my bank account. Best part about it was that it was free! I loved being able to go in and itemize my spending so that I knew exactly where my money was going. It has helped me create a tighter budget and save money!

2 years ago

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austin pliler Layton, UT

Mint is amazing! If you have struggled to keep track of your spending and don’t like budgeting this is a great way to get started. They have so many cool features and it’s totally free. They make it really easy to connect to your financial institution so you can see exactly how much you have in savings and how much you’ve spent. I recommend it all the time to my friends and family.

2 years ago

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Caitlin Fayetteville, AR

Mint helps me keep all of my accounts in one place. It has been one of the most helpful apps on my phone for months now and it is the first place I go when I need to check any of my accounts. Not only does it keep track of your accounts, bills, and credit score, but it also helps you set saving goals that are kept track of in the app. I can not say enough good things! Everyone should give Mint a shot!

2 years ago

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Sam Anders Orem, UT

I really love using Mint for budgeting and I also use them (as one of many) to monitor my credit. I really like that I am able to sync up my bank and other account details with their site. It makes budgeting really simple and their bill payment reminders have definitely saved me a handful of times. I try to use the site over the mobile app as I find that there aren't as many features available on the app.

4 years ago

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Amber Saratoga Springs, UT

We use Mint for our budgeting. Its great to track your budget with because it gives you alerts by text or email if you are getting close to reaching your limit and an assigned budget. It also alerts you if there has been unusual spending in any category. That way I can go into my account and see why. Also its a great tool to have all your financial accounts all in one place so you don't have to sign in to each individual sight to keep track of things.

5 years ago

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Nyla C. Edison, NJ

Mint has helped me financially budget and build my credit score. Mint sends weekly summaries that helps me know how much I spent. It also helps with tracking paychecks and rent, which has helped me manage my time and money.

2 years ago

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Spencer Barclay Brigham City, UT

Mint is an excellent platform for anyone to get a holistic view of their personal finances. The user interface is great and easy to use. The vast library of integrations improve the budgeting and goal setting tools. I recommend Mint to everyone that asks me a personal finance question.

6 years ago

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Korinne C Riverton, UT

Mint is my favorite budget website and app. I've tried a bunch and have always come back to Mint. I love that the service is free, and that I can easily customize it how I want it. I also love that categorizing all my transactions is very simple.

1 year ago

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Shopman Herriman, UT

Mint has really helped my get my finances under control. It has helped me be accountable for my spending and my saving. Taking the time to look at it each month has helped me to motivated to spend less and save more. I have also been made aware of fees that I was paying to the bank, that I had never noticed before.

1 year ago

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Bradley Baer Philadelphia, PA

Mint is a great resource that I use on a daily basis. From credit scores to real-time spending, the interface provides an easy way of tracking my finances. The easy-to-use app also makes it easy to correctly categorize items to have better-tracked expenses.

1 year ago Edited January 5, 2022

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Cam Hall Palmyra, VA

I have multiple times tried to build my own budgeting and transaction tracking tools and methods, but I always come back to Mint. Mint helps me see what subscriptions I'm spending on (ugh streaming), how much I'm spending on helpful categories (as broad as groceries or as specific as...coffee (whoops)), and also helps me keep an eye on my credit utilization and net worth. Without Mint, I'd still be hoping I have money in my accounts at the end of the month and not understanding why I don't.

1 year ago Edited January 3, 2022

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Sirdriz77 Fairfield, CT

I set up an account with mint because I wanted to have a better picture of our overall finances. I love having everything in one place and several times I've received very handy notifications about unusual charges and fees on my accounts.

1 year ago

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Ashton Rogers Fayetteville, AR

I use Mint to keep track of my different accounts (checking, savings, Venmo) and it has been a great way to watch my monthly spending. I also use it to budget my spending and savings each month. I like that it's easy to use and I plan to use it to finance my student loan payments in the future.

2 years ago

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Shante Reeder Ogden, UT

Mint was the first budget tool I ever used! I signed up right after I got my first checking account to help me learn how to budget, and it has stuck with me! It's easy to use, and awesome to be able to see exactly where your money is going!

3 years ago

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David Martin San Diego, CA

Mint is my absolute favorite financial service EVER! I have yet to find a financial institution that they do not integrate with. You can even get your credit score right through Mint. It is awesome! And the best part of all, it is completely FREE!!!

3 years ago

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Zack Salt Lake City, UT

Mint is by far my favorite resource to help me manage my money. Its free and has very helpful resources to help you save money fast. I'm able to set budgets and goals inside the program, and I can carry it anywhere with the mobile app.

4 years ago

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Dee Farquharson Washington, DC

I had some issues with the link process with my PNC account. But once It finally let me sign in, i enjoyed the break down of my spending and what to look out for .It even informed me of "Foreign Transactions fees" that my bank didnt even tell me about and I may not have even caught it. It also links my credit cards so I get a full view of all of my debit AND credit cards in one location.

4 years ago

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Anna Hu Provo, UT

Mint has been so helpful with my budgeting and and changing my spending habits. It has really kept me on track with spending my money, and it is so helpful to see my trends in spending habits. It is so much easier to say no to unnecessary purchases while using Mint, and I definitely manage my money so much better now that I have this app.

5 years ago

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Sathvik Aithala Portland, OR

The best budgeting tool. Allows you to link all your accounts and see your net worth, credit score, bank balances, and credit card balances in one place.

1 year ago

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Luke Swierczynski Troy, MI

Mint is a great free service to get your finances in line. Easy to sync and manage all your accounts in one place. Gives you helpful insights as well.

1 year ago

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Thomas Hullinger Pleasant Grove, UT

Mint is a good way to get started on the road to budgeting and money management. They have a great record keeping system and I like that they give you reminders of upcoming bills.

5 years ago

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Alicia Holman Gilbert, AZ

When I used this product, my biggest complaint is that it's way too broad. It doesn't allow me to make changes to the site to make it more conducive to my needs. It is easy to use, but if I have questions, there isn't anyone to ask. I wish there was a better support system.

5 years ago

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Hayley Lambdin Orem, UT

Mint is a great resource to handle your budget and other expenses. My husband and I use it all the time. It can also be terrifying though....seeing what you spend your money on. That's what is great about it though!

5 years ago

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Breanna Jones Herriman, UT

I use Mint to track my finances and help me budget. I like the ability to link up all of my accounts so I can view them all in one place. It is an easy way to check my finances. I check it more than I do my credit card and bank statements.

6 years ago

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Steve mcmahan Rancho Cucamonga, CA

As banks change their access processes, Mint is chronically slow at implementing those changes, rendering your access useless. While that is true, Quicken, also produced by the same parent company, never seem to mss a beat when the same problem exists. I happen to use both and the weaknesses of Mint don't seem to exist in Quicken; you would think they would use the same financial institution access tools but they don't. Also, Mint Customer service and especially their engineering support team rate a zero if that score was possible. In the three years I've used both products, Mint engineering has Never fixed one access problem. I've always had to delete access and restart the history to fix it myself, after more that 6 months of waiting. If you want a tool to manage your finances, be smart and purchase the $30 version of Quicken and avoid the "free" Mint program.

6 years ago

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Brian Cowley Riverton, UT

We use mint.com for our budgeting. I like that you can connect accounts and track several different cards/accounts all together. I wish it was easier to remove accounts though. Only downfall.

1 year ago

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Jec Canby, OR

I only used mint for 3 or 4 months. It was handy and is a great idea. It just felt like too much repetitive work to me. Maybe it would have gotten easier over time or if I was willing to pay more or use other options, but I never got to that point.

1 year ago

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Kara Turkson Tallahassee, FL

Mint is a good app for budgeting. You can connect your cards/bank account and it has some sort of automatic detection to organize your purchases, but you can change this or split the charge if it's wrong. The only downside is making it takes a while but it's so helpful to see what you spend the most money on.

1 year ago

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erika clayton Lehi, UT

I really like the monthly budget page that shows me where I’m at each month. But I don’t like if I’m looking at a budget from a different month and want to see the individual budgets for my categories in that month to compare things, it automatically goes back to the current month

2 years ago

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Eban Beltran Arlington, TX

I used to use Mint but had a lot of problems with bank accounts staying connected to their service. I understand that’s not their fault and I hope the issue has been resolved but fair warning to users about how these personal finance services work aggregating info.

2 years ago

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Steve Ashby Portland, OR

I like the idea of Mint but I can't give it a 5 because it is just too hard to use. I wish it was just easier to manage. I like the consolidation of all my accounts in one place and I can see how the bill pay would be beneficial but I don't use that feature; almost all my bills are paid online automatically.

2 years ago

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Elizabeth Black East Hampton, CT

This is a great way to keep track of your income, expenses, and current net worth. It may take a little bit of time to set up your accounts, but it's worth it to be able to see all your financial accounts in one place.

2 years ago

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David Anderson Providence, UT

Mint is an awesome free tool to help you budget, save money, and put all your accounts into one aggregated place. I love that I can see everything together and not have any financial surprises.

2 years ago

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Ryan Harpenau Fayetteville, AR

I just recently got this app and look at it often to help me budget. It gives detailed breakdowns of where your money is going each month and is definitely helpful in seeing how much money you spend and what you spend it on. It also provides free credit score checks, though I haven't used that service.

2 years ago

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Tim Berrett American Fork, UT

Have used mint for years for personal finance and budgeting. The tool is easy to use. It is simple to add accounts, create finance goals, track a budget, setup motifications, etc. The amount of advertisements and services that mint pushes is annoying and it would be nice if that was dialed back.

4 years ago

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Ryan H American Fork, UT

Mint was recommended to me from someone else. I tinkered with it here and there but didn't feel that all the set up was worth my time. It didn't have immediate access to business bank that I use, which I was a little bummed about.

4 years ago

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Shayla Hankins Lehi, UT

Mint is my one and only app for finances that I trust besides my bank app. They allow me to easily make budgets for as many categories as my life needs or has. And their customer service is the best.

4 years ago

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Abigail scoville American Fork, UT

So easy to use and understand! I love using mint because it allows me to budget on my phone in a super easy fast way. It notifies me when I am close to my budget and it shows how much I really spend in specific areas

4 years ago

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Sarah Fairfax, VA

A nice way to track your spending all in one place! You can tailor it to a certain extent but you can't delete categories which can be frustrating. Overall it has been a helpful too!

5 years ago

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Hannah Cummins Gilbert, AZ

Mint is a great way to track expenses, especially for those people who struggle with being financially responsible or sticking to a budget. You don't have to be great at math or great at making a budget because Mint helps you do it all.

5 years ago

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Adam Crawley Pleasant Grove, UT

I've had this app for a few years now and I've been satisfied with it. I love how it syncs with my bank account and automatically updates; however, it can be difficult to use sometimes. In addition, occasionally I find some of my purchases not categorized correctly, which is really annoying.

5 years ago

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RJ Provo, UT

Mint is great in helping me keep a budget. Although I understand why they need confidential bank information and that they do their best to protect it, I would like to see if there is a way to use their services in a limited fashion without that information.

5 years ago

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Erin Rhoton Pleasant Grove, UT

I absolutely love using Mint for my expense tracking! It is really easy to create a budget and it links to my credit cards and bank accounts so it is easy to monitor my spending.

5 years ago

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