Stowe
Mint
Published: July 17, 2026
The verdict: Mint shut down on March 23, 2024, and Intuit pointed its millions of users to Credit Karma, which doesn't do budgets or subscription tracking. What made Mint beloved was that it asked almost nothing of you: connect your accounts and see everything. Stowe is built on the same belief, then goes further. It doesn't just show your household's money; it watches bills, subscriptions, and spending, and tells you where money is quietly slipping away.
Mint showed you your money. Stowe finds you savings.
Who this comparison is for: former Mint users, and anyone still parked in Credit Karma, who loved effortless visibility and never wanted a budgeting method.
Stowe vs what Mint was, side by side
Mint set the standard for effortless. Here's the honest breakdown.
The honest case for Mint
Free and effortless was a great deal while it lasted
Mint proved that millions of people want visibility without homework: connect your accounts, see your budgets, bills, and net worth, pay nothing. No app since has matched that price. Its trade-offs were the business model, recommendations were ads, not advice, and it was built for one login, not a household. But as a free window into your money, it was genuinely good, and it's why so many people never switched until they had to.
Effortless, automatic, and free set the bar for every app since
Proof that most people want awareness, not a budgeting method
Why you can't stay
Mint is gone, and Credit Karma isn't a replacement
Mint's accounts and transaction histories were deleted from Intuit's servers after March 23, 2024. Credit Karma, where Intuit sent Mint users, syncs accounts and tracks credit scores but has no budgets and no subscription management, and it monetizes the same way Mint did: by showing you financial product offers. Former Mint users looking for the real thing have to choose a successor.
Budgets, custom categories, and transaction history didn't migrate anywhere
Credit Karma is an affiliate offers engine with account syncing, not a money app
The honest case for Stowe
Stowe keeps Mint's effortlessness and adds the part Mint never did
You're probably overpaying right now. Not because you're careless, but because nobody has time to audit their own bills. Prices creep up, promos expire, and subscriptions count on being forgotten. Stowe connects to your household's accounts, reviews bills, subscriptions, spending, and financial products, and surfaces personalized opportunities to save and then makes the next step easier.
It's built around the household: couples and families see a shared financial picture while choosing which accounts and transactions stay private. No need to merge every account or give up financial independence. And when you have a question- why did last month cost more? can we afford this? - Stowe's AI money advisor answers from your household's real financial picture, not generic tips.
Proactive savings detection: recurring, practical savings without the homework
A shared view for households, with privacy controls YNAB doesn't offer
By the numbers
Who should choose what?
Which app is right for you?
Stowe vs Mint: Questions people ask
What happened to Mint?
Intuit shut Mint down on March 23, 2024 and directed users to Credit Karma, which it also owns. Mint data that wasn't exported by users before the shutdown was deleted.
Is Credit Karma a good Mint replacement?
For credit score monitoring, yes. As a Mint replacement, no: it has no budgets and no subscription tracking, and its recommendations are paid offers.
Is Stowe free like Mint was?
No, and that's deliberate. Mint was free because advertisers were the customer. Stowe is $99 USD/yr ($1 for the first year with code JOINSTOWE), and it's designed to surface savings, forgotten subscriptions, creeping bills, better-fitting cards and phone plans, that can more than cover the cost.
Do I have to budget in Stowe?
No. Like Mint, Stowe works from your connected accounts automatically. Unlike Mint, it doesn't stop at showing you charts: it flags where you're overpaying and helps with the next step.
Can couples use Stowe together?
Yes, and this is somewhere Stowe goes past Mint entirely. Couples see a shared picture of bills, spending, savings, and upcoming expenses, while each person controls which accounts and transactions stay private.
Does Stowe work in the United States and Canada?
Yes, Stowe is available for iPhone in the United States and Canada. YNAB is priced in USD regardless of where you live, and supports one currency per plan.
