Review | Is It Worth It?

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Overall Rating


Bottom Line

Everyone should use Mint. With its intuitive and mobile-first user experience, Mint is a completely free and great way to track your finance and manage your money. You can easily link your bank and financial accounts, creating a dashboard to see your entire financial life on your desktop or phone and then drill down into each are for optimization opportunities.


  • Free
  • New Features Added Often
  • Exceptional user experience
  • Easy support
  • Backed by Intuit


  • While it works with most banks, it doesn't work with every bank
  • Limited retirement tracking
  • Re-adding accounts can be annoying





Mobile Experience






Mint is a budgeting app that helps you monitor your spending and keep track of your various financial account review

You can also use Mint to stay on top of your debts and your credit score.

Simply put, Mint aims to help you gain a better understanding of your full financial picture by giving you access to all of your data in one central location.

When I started my journey to financial independence, Mint was one of the first tools that I used. I have also recommended Mint to many of my family members and friends.

Keep reading to learn all about what Mint has to offer, so you can decide whether this budgeting app is right for you.

What is Mint?

In a relatively short time, Mint has grown into one of the world’s most popular financial planning and budgeting apps. Let’s take a look at how that happened.

The Backstory

Mint initially launched in 2007 and has grown rapidly since then. Two years after Mint opened shop, the company built an impressive customer base of over 1 million users. In fact, Mint’s advancement was so impressive that Intuit decided to acquire the company for a cool $170 million. Not too shabby!

Today, Mint is still operated and backed by Intuit and has over 20 million users. In the App Store, Mint has over 500,000 reviews and an average rating of 4.7 stars (out of 5), making it one of the highest-rated apps I’ve seen. Android users can download Mint on the Google Play store where the app has a 4.6-star rating (out of 5) and over 150,000 reviews.

How Mint Works

mint logoMint integrates with most financial institutions. Once you have a Mint account, simply connect it to your other accounts by entering login information for each of them.

After that, Mint will automatically pull relevant information from these accounts, which is then conveniently displayed on their platform.

For example, let’s say you have a checking account, a high-yield savings account, an employer-sponsored 401k, and a credit card account.

Mint would prompt you to log in to each of these accounts, and then it would pull that data right into the app.

You can then check your real-time account balances simply by pulling up the app. Suffice it to say it’s a lot more convenient to log in to one account versus logging in to four different ones to take a glance at your finances.

Mint Features

Next, let’s take a look at the various tools and features that Mint offers.

Bill Tracker

Mint’s Bill Tracker ensures that you’ll (hopefully) never make a  late bill payment again.

To use this feature, simply open the bill tracker in the app and input which bills are due and when.

For example, you can set the bill tracker to remind you that your gas bill is due on the first of the month, your cable bill is due on the 10th, and your credit cards are due on the 30th.

Once these rules are set, Mint automatically alerts you when the due date is approaching. And once you’ve paid your bills, you can mark them as paid right within the app.

mint bill tracker


Daily Budget Planner

Mint’s Daily Budget Planner automatically analyzes your daily spending and suggests a customized budget plan based on your spending habits. You can then modify these recommendations to reflect your personal goals.

The budget planner tool also helps you understand how you’re spending your hard-earned cash by breaking your spending down into categories.

For example, the app will show you how much you’re spending on restaurants, utilities, and transportation costs each month. Then, if you have a particular financial goal you’re trying to reach—for example, saving $3,000 for a vacation—the budget planner can help you make category-specific adjustments to your spending in order to save for your goal.

Practically speaking, the budget planner would help you realize that if you spent $150 less on restaurants and $100 less on groceries each month, you’d be able to achieve your $3,000 vacation goal in 12 months.

daily budget planner


Credit Score Monitoring

The Mint app also helps you keep track of your credit score with its Credit Score Monitoring service. There’s no cost to get your score.

All you need to do is confirm your identity, and you’ll have access to your score right within the app. You can also sign up to receive automated credit alerts.

mint credit score monitoring



If you really want to stay on top of your spending, account balances, and credit score, you’ll appreciate Mint’s Alerts feature.

For example, you can set alerts to notify you when you’ve been hit by an ATM fee or a late payment fee. You can also set alerts to warn you if your account balances are low.

What’s more, you can set alerts to notify you if you’ve spent too much on a particular monthly spending category.

mint alerts


Portfolio and Investment Tracking

Mint’s Portfolio and Investment Tracking tool helps you keep track of your 401k and investment fund balances.

It also keeps you informed of any fees you’re being charged and helps you see how your investments are being allocated.

mint portfolio tracking


Mint Credit Monitoring

As I mentioned earlier, Mint subscribers have access to free credit score monitoring within the Mint app. However, the free version only gives you access to your score from one credit bureau (TransUnion).

If you prefer a more detailed level of credit monitoring, including access to your credit scores across all three bureaus:

  1. TransUnion
  2. Experian
  3. Equifax

…you might consider upgrading to Mint’s Credit Monitoring service.

This is a separate service from the free Mint app that’s offered by Intuit for a monthly fee of $16.99. Truth be told, you can probably find comparable credit monitoring services that don’t cost this much money—or are even free.

Mint Pricing

The Mint app is 100% free to sign up for, download, and use. The company generally earns revenue by matching you with related services from third-party advertisers.

For example, if Mint detects that you have an outstanding credit score, you might receive an email advertisement that encourages you to sign up for a top-tier credit card, mortgage loan, or brokerage firm.

If you sign up for one of those services, Mint earns a commission. As the saying goes, nothing is free, right? Mint also offers some premium services that cost money, too.

For example, Mint’s credit monitoring service will set you back $16.99 each month.

Signing Up and Getting Started

To sign up for a Mint account, click the orange Sign Up button in the top right-hand corner of your web browser.

Next, you’ll have to create an Intuit account by entering your basic personal information. You’ll then be asked to link your external financial accounts by logging into them from the Mint portal.

If you download the app, you’ll go through a similar registration process on your mobile device. mobile app Security

Mint and its parent company Intuit take security seriously. Mint uses the security scanning tool Verisign and often requires multi-factor authentication for account access.

You can also set a pin code or activate TouchID to prevent unauthorized users from accessing your data in the event that you lose your phone.

Customer Service and Support

Mint offers self-service customer support and live chat. According to their customer care contact page, chat support is available seven days a week from 5 a.m. until 9 p.m. Pacific Time.

Unfortunately, there is no number for phone support. If you have questions about Mint Credit Monitoring, however, you can give them a call at 1-800-499-4466.

Live chat and email support are both also available. Here is a link to the contact us page for more information about that service.

Pros and Cons of Mint


  • It’s free! Enough said
  • Super easy to use for tracking spending and setting budget goals
  • Robust security features give you peace of mind when disclosing financial data
  • This app is a huge time-saver
  • Free credit score monitoring (even if it’s just one bureau)


  • Getting marketed to with external products can be annoying
  • Limited customer support options
  • No real investment or savings functionality. You cannot move your money; only track it.

Mint FAQs

Is Quicken Better Than Mint?

Quicken and Mint are two different services. Mint offers a free-spending tracking and budget planning app. Quicken is a more complex personal finance software that enables you to pay bills and manage business taxes and expenses.

If you’re looking for a simple and easy-to-use budget and spending tracking app, Mint is probably what you want.

If you’re looking for more complex financial planning software, you might consider paying for Quicken.

Is Mint Any Good?

Yes. Mint is one of the best and most popular personal finance apps on the market. As mentioned earlier, it has a 4.7-star rating (out of 5) in the App Store.

Is the Mint App Safe?

Yes. Mint is safe to use. The app uses several advanced security features, including multi-factor authentication and TouchID for account access.

What’s more, Mint is backed by the financial services firm Intuit, which has thousands of employees and many dedicated security personnel.

How Does Mint Make Money?

Mint earns money by marketing external products and services to its subscribers. As I briefly mentioned earlier, you might, for example, get an email from Mint with information about signing up for a credit card, car loan, or life insurance. If you sign up through their affiliate links, Mint gets paid a commission.

Mint also monetizes its customers’ aggregate financial data, meaning that they sell your anonymized data to third-party companies who then use that data to better target their products and services to you. (Like it or not, tons of online companies do this nowadays.)

Alternatives to Mint

There are several alternatives to Mint. Here are some of the more popular ones (in no particular order):

Keep in mind that Mint was the original player in the spend tracking game.

Learn more, read our Personal Capital vs. Mint Review.

So, Is Mint Right for Me?

In this day and age, it can be pretty annoying to keep up with all of the different financial accounts and logins that you might have.

For example, it’s not uncommon to have two different bank accounts, several credit cards, a car loan, a student loan, a retirement savings account, and a mortgage. Off the top of my head, that’s like ten different logins that you’ll have to remember and keep track of.

If you want to make this situation easier to manage, Mint might just be the free app that helps you do so. With Mint, you can easily access all of your financial data from the same place while tracking your spending habits at the same time.

On the other hand, if you’re the type of person that doesn’t like disclosing your financial details to other companies—and if you don’t like being marketed to any more than you usually are—you might not want to sign up for Mint because that’s how they make money.

Ultimately, it’s up to you to decide which financial tools make the most sense for your situation.

If you would like to read my tips about how to make a budget, or learn about some of the best money tools aside from Mint, click either link.

Thanks for reading, and good luck on your journey toward financial independence.

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