Ask HN: Alternative to Mint.com?

#1

Post by SMAAART » Tue, Feb 06, 2024, 3:27 PM UTC

I confess: I was addicted to mint.com, and not that it's gone CreditKarma just doesn't do it.

What are the inexpensive/Free solutions out there? I need something that will sync automatically all of my and wife's accounts including retirement accounts. SaaS or McOs software will do.

A while back there was a tread in here where someone had an inexpensive one-time license mac software, but I cannot find it.

Thanks in advance.

Re: Ask HN: Alternative to Mint.com?

#2

Post by embeng4096 » Tue, Feb 06, 2024, 3:44 PM UTC

In past Ask HN threads I've seen recommendations for Lunch Money (https://lunchmoney.app/) and You Need A Budget (https://www.ynab.com/). I can't personally speak to them as I use GnuCash, but I don't recommend it for you because it does not do automatic sync as you requested.

Re: Ask HN: Alternative to Mint.com?

#3

Post by corethree » Tue, Feb 06, 2024, 3:54 PM UTC

Personal capital, now empower. I don't think there's a better one that's free as well.

Re: Ask HN: Alternative to Mint.com?

#4

Post by k8svet » Tue, Feb 06, 2024, 3:55 PM UTC

LunchMoney is now the sole closed source application that I (1) love, (2) use daily, (3) blows away OSS alternatives. Jen is brilliant, the product is great. It just gets steadily better over the last 4 years, while remaining the same core product, visual identity. It's web, not-mobile, first, and I love that, too.

Re: Ask HN: Alternative to Mint.com?

#5

Post by qrush » Tue, Feb 06, 2024, 3:56 PM UTC

YNAB has turned my financial life around. I wish I had started using it 10 years ago. They also have built an importer from Mint. Some highlights I love:

* One window to every account I have, which mostly automatically updates/syncs

* Envelope budgeting has forced me to look at every penny and figure out what it's for

* API to work with other tools (for me, Splitwise - https://github.com/vascopinho/split2ynab/)

And here's my referral code for a free month: https://ynab.com/referral/?ref=ASH303nViLPCKyr-

Re: Ask HN: Alternative to Mint.com?

#6

Post by Jtsummers » Tue, Feb 06, 2024, 3:57 PM UTC

YNAB isn't too expensive though I don't like that they went to an annual subscription. It does sync with most accounts (I don't use that feature but it seems to work well for others, pretty sure the same syncing backend as Mint and others use).

GnuCash can sync with some banks but I only had luck with one of mine, and never tried with other account types like investment and retirement accounts. If you're willing to do a bit of work, your banks will provide CSV or other export options and you can download that and import it into GnuCash. Doing that, I had to tidy things up a bit but it wasn't awful if I did this somewhat regularly so the number of transactions to examine wasn't high (like once every week or two, versus once every few months).

Re: Ask HN: Alternative to Mint.com?

#7

Post by elektor » Tue, Feb 06, 2024, 3:57 PM UTC

I've switched to a paid annual plan with Monarch Money. The app is sleek and it works fine, but I'm open to switching over to something open-sourced and/or free.

Re: Ask HN: Alternative to Mint.com?

#8

Post by RankingMember » Tue, Feb 06, 2024, 3:57 PM UTC

Thanks for asking this question- I'm in the same boat. I keep meaning to see if Yodlee is still a viable option (they used to be what Mint was based on).

Re: Ask HN: Alternative to Mint.com?

#9

Post by animal_spirits » Tue, Feb 06, 2024, 3:57 PM UTC

I've been using Simplifi by Quicken and it's been very nice. It's around $50/year, I can track all of my transactions and bank accounts.

Re: Ask HN: Alternative to Mint.com?

#10

Post by kilroy123 » Tue, Feb 06, 2024, 3:58 PM UTC

I tried lunchmoney and I really wanted to like it but just couldn't make it work for me.

I ended up using YNAB.