Intuit closed Mint in March 2024 and pointed users at Credit Karma, which tracks net worth but does not do the budgeting people actually used Mint for. Two years on, the gap is still open — and outside the US it always was.
In short
Mint shut down on 23 March 2024 and Intuit directed users to Credit Karma, which offers account syncing and net worth tracking but not Mint's budgeting and subscription management. For former Mint users the practical replacements split into two groups: paid bank-linked apps that recreate the automation, and free apps that get transactions in another way. NetWorth+ is in the second group — a free Android app that tracks net worth, budgets, credit cards, loans and shared expenses without connecting to a bank, reading bank alert SMS on the device instead. That approach works in the UAE, Saudi Arabia, the wider GCC and India, where bank alerts are universal; it is a poor fit in the US, where they are not.
Mint closed
23 March 2024
Successor
Credit Karma, without budgeting
This app
Free, Android, no bank login
Best fit
GCC and India
What happened
Mint was free, comprehensive and ad-supported. Replacing it turned out to require choosing which of those three to give up.
Credit Karma, the destination Intuit chose, syncs accounts and shows a net worth figure. What it does not do is budgeting by category or subscription management, which for a large share of Mint's users was the entire reason to open it. The transition moved the account and left the use case behind.
The wider market answered with subscriptions. Most of the credible Mint-replacement apps now cost somewhere between fifty and a hundred and fifty dollars a year, because bank aggregation has a per-user cost that someone has to pay. Free-and-comprehensive was always subsidised by advertising, and fewer companies are willing to make that trade now.
Feature by feature
| Mint feature | Credit Karma | NetWorth+ |
|---|---|---|
| Automatic transaction import | Yes, via bank sync | Via bank SMS alerts, on device |
| Budgets by category | No | Yes |
| Net worth tracking | Yes | Yes |
| Bills and subscription tracking | No | Yes, as scheduled payments |
| Credit card balances and due dates | Partly | Yes, per card with cycles |
| Loan and EMI schedules | No | Yes |
| Multi-currency | No | Yes, rate kept per entry |
| Shared expenses between people | No | Yes, counted in net worth |
| Credit score monitoring | Yes | No |
| Advertisements | Yes, offers are the model | None |
| Cost | Free | Free |
Credit Karma's feature set as described publicly in August 2026. Neither NetWorth+ nor its publisher is affiliated with Intuit, Mint or Credit Karma.
Be clear about fit
The SMS route depends on banks sending transaction alerts by message, which is standard in the Gulf and India and uncommon in North America and most of Europe. Without it you would be entering transactions manually, and there are better-suited apps for that.
Mint showed one and Credit Karma is built around it. NetWorth+ does not, has no relationship with any credit bureau, and does not intend to.
Android only at present. The planned iOS version will not include SMS capture, because iOS gives no app access to the message inbox.
Years of financial history vanished because it lived somewhere that could be switched off. Whatever you move to, check that you can export everything, in a format you can read, without asking anyone. NetWorth+ exports to CSV from inside the app at any time, and the account and its data can be deleted from inside the app too. That is the minimum bar, and it is worth applying to every candidate.
Where this applies
Most of the people this page is written for are in the Gulf or in India, where the SMS approach works and where Mint never operated properly in the first place. If you moved from the US to Dubai, Abu Dhabi, Riyadh or Doha, you are in the group for whom neither Mint nor its replacements ever quite fitted.
NetWorth+ also covers India, Singapore, Malaysia, the Philippines, Thailand, Vietnam, the United Kingdom and the United States. Currency handling is not limited to the list above — three-decimal dinars and zero-decimal currencies are treated correctly rather than being forced into two decimal places.
Questions
Keep reading
The category in full, and what refusing to connect actually costs.
Read moreThe other direction most Mint users went, and what it costs.
Read moreThe Mint feature people actually miss, and how it works here.
Read moreAssets, liabilities and one figure.
Read moreIf you have moved to the Gulf since Mint closed.
Read moreRupee alerts, lakh and crore grouping.
Read moreBudgets, net worth, cards and loans — with no subscription, no advertisements and no bank credentials.
Android. No bank login. No ads. Message reading is optional and off until you switch it on.