Mint Review: What To Know About Intuit’s Free Budgeting App

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Our take: Mint is a free budgeting tool developed by American financial software giant Intuit. This personal finance manager promises to make budgeting and expense tracking much easier. It lets people monitor their credit scores and keep tabs on their money while helping them to better understand their spending habits and maintain their financial goals. It also offers valuable insights to help users spend smarter and make better financial decisions. Users can access Mint directly on their browsers or via the mobile app.
  • User Interface
  • Tools and Resources
  • Web App
  • User Customization
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  • Weekly account summaries
  • Automatic sync
  • Credit score tracking
  • Budgeting tools
  • Goal setting
  • Email and text alerts
  • Multifactor authentication


  • Synchronization issues
  • Few investment management features
  • No report generation
  • No statement reconciliation
  • No bill payment options

About Mint

Mint is a straightforward personal finance management tool. This web-based solution takes only a few seconds to set up, and — most importantly — it’s completely free. It allows users to monitor their bank accounts, credit cards and loans by seamlessly downloading all their financial data and presenting it all together in a slick dashboard that’s part of its intuitive, easy-to-use web app.

Make Your Money Work For You

Mint even has an investment tracking option that lets users compare their portfolios with market benchmarks and visualize their asset allocation all in one place.

Mint keeps your financial information updated by syncing with your financial accounts with every login. This service is helpful for:

  • Budgeting
  • Creating financial goals
  • Aggregating many accounts in one place
  • Reviewing personal finances at a glance

The Mint mobile app makes it easier to access financial information on the go. It’s compatible with iOS and Android devices, yet Apple users have the upper hand when it comes to additional features. They can use Touch ID — an iOS safety feature that reads the user’s fingerprint to unlock Apple devices — for additional security when accessing their dashboard.

Although Mint is useful, it isn’t perfect. It’s been available since 2006, but it’s still missing some handy features that its competitors have been offering for years — think bill payment tools, QFX and QIF file importing options, and retirement planning assistance.

Additionally, users have complained about bank synchronization issues and a lack of statement reconciliation tools.

Make Your Money Work For You

Mint Features

The Mint web app features come in quite handy for users who don’t need an extremely complex product to track their basic personal finances. Here’s a look at the most relevant ones.

Budgeting and Tracking

The main function of Mint is to help with budgeting and tracking expenses. The feature uses the synced transactions to create categories that will allow it to sort out future movements over time. It also has sliders to match every spent dollar with the user’s preestablished, percentage-based budget. This is incredibly handy for those trying to manage their purchasing habits.

However, it does take continuity. If the user doesn’t log in often (at least monthly), the budgeting tool can’t track movements.

Managing Goals

Mint also has an attractive feature for tracking and managing your goals. It lets users establish spending limits and set goals like paying off loans and credit card debt or saving for a car or home. These objectives are easy to set up in the app and reflect in the user’s monthly budgeting.

Make Your Money Work For You

Credit Score Tracking

Although the app’s credit score tracking option is fairly new, Mint reviews on Apple’s App Store show that it’s already one of users’ favorites. It makes it much easier to keep track of the user’s financial health by showing their:

  • Credit score
  • Payment history
  • Average age of credit accounts

Mint vs. Competitors

Before choosing Mint over other options, it’s worthwhile to explore what its competitors have to offer. Here’s how Mint performs against similar products.

Mint vs. You Need A Budget

Although both of these platforms have more or less the same features — budgeting, online synchronization, manual entries and more — YNAB sticks to budgeting, and it’s among the best options for this purpose. On the other hand, if you’re looking for additional features, Mint’s credit score tracking tools and other financial tracking features make it worth considering.

Mint vs. Personal Capital

While Mint emphasizes budgeting and monitoring where users spend their money, Personal Capital focuses more on saving for retirement. Mint provides an investment tracking feature, but Personal Capital is a better alternative in that department. For users who link $100,000 or more in investable assets, it even offers a free consultation so they can talk with an advisor who can help them decide where to put their money.

Make Your Money Work For You

Is Mint Secure?

Mint cares about user privacy and never sells individual personal data to third parties, according to its privacy statement. When it comes to account safety, Mint offers multifactor authentication to prevent unauthorized logins.

This finance management solution helps users keep an eye on their banking security by sending alerts whenever there’s a significant data change. Additionally, Mint allows you to delete your account information remotely should your device get lost or stolen.

Is Mint Worth It?

Mint is a great tool for creating budgets and tracking spending habits and goals — that is, of course, if a user isn’t looking for a more complex solution. Mint is not a dedicated investment platform. While its investment tracking tool is a good additional feature, it’s purely informative and won’t provide additional investing advice or allow users to buy stock from the app.

Mint users love most of the app’s features but sometimes complain about synchronization issues and the lack of a bill pay feature. The app used to have one but stopped offering it in 2018. This change made it impossible for Mint users to use this solution as nearly a one-stop shop to handle most of their finances.

For an entirely free app, however, Mint does a decent job and offers basic budgeting, goal management and credit score features, making it worth giving a try to find out if it’s a suitable tool for your needs.

About the Author

Daniela Rivera is a bilingual freelance content creator with an advertising and media background. She has a Communication Science degree and 10+ years of work experience as a copywriter. She specializes in generating engaging and creative concepts and texts for advertising, e-commerce, blogs, podcasts, and social media.

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