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Subcut vs Mint
Life After the Shutdown
Mint is gone. If you're looking for subscription tracking without the bank connection, Subcut might be exactly what you need.
RIP Mint (2007-2024)
After 17 years, Intuit shut down Mint on March 23, 2024. Users were migrated to Credit Karma. This page is for those looking for Mint alternatives.
TL;DR - Post-Mint Life 🌿
What Mint did well: Free budgeting, subscription tracking, bill reminders — all in one place. But it needed bank access and Intuit eventually killed it.
What Subcut offers: Focused subscription tracking without bank connection. AI finds your subscriptions from email, beautiful calendar shows when everything renews. $1.99/month.
The honest truth: Subcut won't replace all of Mint. But for subscription tracking specifically? It's actually better.
Feature Comparison
| Feature | Subcut | Mint (was) |
|---|---|---|
| Privacy (No Bank) | ✓ Yes | ✗ Required |
| Subscription Tracking | ✓ AI-powered | ✓ Bank-based |
| Full Budgeting | — | ✓ Complete |
| Calendar View | ✓ Beautiful | ~ Basic |
| Bill Reminders | ✓ Smart | ✓ Had them |
| Credit Score | — | ✓ Free |
| Still Available | ✓ Yes! | ✗ Shut down |
| Price | $1.99/mo | Was free |
Why Mint Users Are Looking 👀
Mint was the OG of free budgeting apps. For 17 years, millions of people connected their bank accounts and got a bird's-eye view of their finances. Subscription tracking was part of that.
Then Intuit pulled the plug. Users were pushed to Credit Karma, which is... fine, but different. Many people are now looking for alternatives, especially for specific use cases like subscription tracking.
Here's the thing: Mint's bank-connected approach had trade-offs. You gave up privacy for convenience. Connection issues were constant. And when Intuit decided to shut it down, you had no control.
Subcut takes a different approach. We don't want your bank login. We scan your email for subscription receipts, show you what you're paying, and help you stay on top of renewals. Your data stays yours.
Switching from Mint? 🔄
What You Won't Get
- Full budget categories and tracking
- Automatic transaction categorization
- Free credit score monitoring
- Free (it costs $1.99/month)
What You'll Gain
- True privacy — No bank credentials needed
- Better subscription tracking — AI finds them all
- Beautiful calendar — Visual renewal timeline
- Actually available — Won't randomly shut down
Frequently Asked Questions
What happened to Mint?
Intuit shut down Mint on March 23, 2024, after 17 years of operation. Users were migrated to Credit Karma, another Intuit product.
Is Subcut a good Mint replacement?
For subscription tracking specifically, yes — it's actually better than Mint was. For full budgeting features, you'd need a more comprehensive app like YNAB or Monarch Money.
Does Subcut require bank connection like Mint did?
No! Unlike Mint, Subcut never needs your bank credentials. It uses AI to find subscriptions from your email receipts, giving you subscription tracking without the privacy concerns.
What's the best full Mint replacement?
For full budgeting, check out Monarch Money ($14.99/mo), YNAB ($14.99/mo), or Copilot ($14.99/mo). For subscription tracking only, Subcut is simpler and cheaper at $1.99/mo.
Life After Mint Looks Good
For subscription tracking, try the privacy-first approach. AI-powered detection from email, beautiful calendar views, no bank connection needed.
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