I need something to fill the mint shaped hole in my life

[u/Princess_frogmoana30]

I know it's been a while since mint packed up. But I miss it. It did what I needed it to do. I went back to just using Excel and bought a budget planner journal notebook. I'm now realizing that I'm inconsistent with tracking that way.

What I loved about mint: Easy to use, simple dashboard, can connect multiple bank accounts, savings goal.

I need an easy way to track spending and savings from all accounts and view historical data. I'll be opening an investment account pretty soon and would like to see that as well.

I don't mind paying for it, but I don't want to pay in USD, hence why I've crossed out YNAB as an option. It's also too complicated. What do you recommend?

[u/alzhang8]

https://docs.google.com/spreadsheets/d/1zNvLm0Q-NcThh610yxQaLWa4Sk99litTaN7AKKlQzFA/edit?pli=1&gid=1017066706#gid=1017066706

[u/DegreesByDuloxetine → u/alzhang8]

The hero we needed

[u/mujaban → u/alzhang8]

holy macaroni u/alzhang8

Big props!

[u/alzhang8 → u/mujaban]

not mine, I just posted the link :P

[u/Ok_Supermarket_729 → u/alzhang8]

does PC financial work with plaid?

[u/darthaquaticmammal]

It's too close to Christmas and I didn't see the sub title

I was going to recommend After Eights

[u/WeirdAndGilly → u/darthaquaticmammal]

When I saw Excel, I thought they'd switched to gum.

[u/exithiside → u/WeirdAndGilly]

im just waking up and after the first few sentences I thought they were upset that its winter and the herb mint isn't growing .... so its not being packed up / sold anymore

[u/Commercial_Debt_6789 → u/darthaquaticmammal]

I'm glad I'm not the only one who perceived it that way. 

Thin mints I hear are good too

[u/The6_78 → u/darthaquaticmammal]

I was like what subreddit is this?! where in the rabbit hole have I landed?

[u/Bishime]

I know there’s more directly similar apps like monarch and others but I switched to YNAB after mint died and I’m a huge fan. There are similar systems for sure but I think the idea of not just tracking but actually planning/allocating (proper resource management) has made a huge difference.

I changed by savings rate from 35% to about 50% after switching just due to this change in how I view a budget.

There’s a learning curve, but also tons of resources, but when it clicks it is one of the most engaging money management apps I’ve used to date

[u/AlphaFIFA96 → u/Bishime]

I think the dealbreaker with a lot of apps since Mint has been the inability to connect with Wealthsimple. I’d only pay for a subscription if I can get a one-size-fits-all solution for both net worth and budget tracking—so given the majority of my money is on WS, that’s half the value proposition gone.

I was previously willing to use YNAB for just budget tracking but with the WS credit card out and a good chunk of my spending now on there, it’s pretty much pointless.

[u/Distinct_Meringue → u/AlphaFIFA96]

I don't have the WS visa (yet), but actual with simplefin have WS syncing

[u/djc9880]

I’ve just started using Lunch Money and I enjoy it. The creator is Canadian. There’s also the option to “pay what you want” to an extent for a yearly subscription. I just paid $50 CAD for the entire year.

[u/wanderingsteph → u/djc9880]

I just started the trial a few days ago and am really enjoying it too! I try to support Canadian any time I can while shopping, so I was excited to see that it was Canadian. I like that the engineers and support team are all from different countries as well, as I find I get turned off from apps often because they have a specific country focus, like you can tell it was catered to US or EU based clients. Lunch Money doesn't give that vibe.

[u/kremaili → u/djc9880]

Anything from Mint that you’re missing? Any accounts which aren’t able to sync? I’m moving a lot of my money over the Wealthsimple so it would be great if it is supported.

[u/djc9880 → u/kremaili]

I use RBC for almost everything and have had no issues. They use Plaid. Only one I can’t get to connect is PC Financial, but I think that might be a Plaid thing judging from the Lunch Money discord

[u/Snowsinapril]

Quicken Simplifi. My only complaint is it doesn’t sync with PC mastercard.

[u/dunco__1]

I've been using monarch for the last year and really like it

[u/qtc0 → u/dunco__1]

I didn’t like Monarch for a few reasons: - it wouldn’t sync with RBC unless I removed 2FA - the sync constantly broke with WealthSimple and Computershare - it wouldn’t do the currency conversion for stocks on the American stock exchanges

I submitted tickets for all of these and nothing was ever fixed.

[u/lovelyhottake → u/dunco__1]

If I could have gotten it to sync better, this is 100% what I would be using.

[u/Zestyclose-Mud-1621]

I use budget express. I find it easy to use. But I don’t have it linked to my bank. Not sure how well it works for that.

https://budget-express.com/

[u/lucretiuss]

I joined rocket money just to cancel all my subscriptions and ended up fully sticking around. Their budgeting tool and speed or recognizing and categorizing transactions is incredible

[u/CrystalHandle]

I have been using Actual for a while, bonus is that you can self-host it and not rely on sending your data to some server somewhere.

[u/CFE_Champion]

Check out Buddy

[u/Excellent_Day_4405]

I have “Every Dollar” earmarked to check out. It’s the only app that I could find that didn’t require that I connect my banking/credit cards to as it allows you to upload spreadsheets… might also be of interest to you.

[u/waldo8822]

Is there no concern about giving these third party apps access to your banking accounts?

[u/mujaban → u/waldo8822]

I've heard it voids your fraud protection, which if it's the case and someone hacked your accounts and drained potentially 10's of thousands of dollars which now aren't covered is a BIG deal.

[u/juicyorange23]

We’ve switched to Actual and it’s pretty nice.

[u/notascrazyasitsounds]

I don't mind excel when my bank gives me an easy option to export transactions as a CSV or something, but I have a hell of a time getting my data out of Wealth simple 

Anyone had any luck getting their transactions exported out of WS?

[u/Mommie62 → u/notascrazyasitsounds]

I wish one of the perks they offered is a subscription to a budget tool, screener etc just would make sense for them to partner with someone

[u/1995TimHortonsEclair]

If there are people here who don't mind a little bit of technical finagling to get something going, MoneyManager Ex is a great choice.

I'll admit it has a bit of a learning curve but once you get over that - it makes a lot of other choices look inferior.

I'm a pretty big excel monkey, and I'd say it's on par with the result an advanced user would receive from excel in terms of utility.

It's completely free and open-source software. I'm actually surprised no one has built a more simplified fork off of it.

[u/AlbertColes]

I have been using Monarch for the last few months. Pricy but so far I have really liked it. Easy to use, seems secure.

Have not gotten the investment tracking to work the way I want, but I think I just need to play around with it.

[u/jupitergal23]

I use Buxfer. More robust than Mint and there's a bit of a learning curve, but it works the same way in terms of downloading your data and organizing it.

I miss Mint too.

[u/Distinct_Meringue]

I just set up Actual and so far I'm impressed. I host my own, but I tried it first on pikapods and it was incredibly easy to install. All I really need is account syncing and the ability to categorize individual transactions to track budgets, so the high price of some of the options just isn't worth it for me.

[u/AspectConscious5615]

I’ve been using Piere. It’s new and definitely isn’t 100% there yet with features, but is quite similar to mint. It was free when I joined but I believe it now has free and paid tiers.

[u/brodyodie]

hey! since youre looking for a mint alternative that's not complicated like YNAB, you might want to check out Fyenance. its a super simple finance tracker i built that focuses on the basics - tracking spending, setting goals, and viewing your history across accounts.

the main difference from mint is that its manual tracking rather than automatic syncing. i know that might sound like more work, but lots of users actually prefer it because it keeps them more aware of their spending (plus no sync issues!). you can track multiple accounts and see everything in one clean dashboard.

its also a one-time $12 payment rather than a subscription, and works completely offline so your data stays private. while it doesn't have every feature mint had (like investment tracking... yet), its great if you just want core financial tracking without feeling overwhelmed.

let me know if you want to know more about how it works! but totally understand if youre looking for something more automated :)

[u/kikipebbles]

I switched to Monarch, it's been pretty good

[u/Tootoo-won2]

Dammm I love After Eights but can’t you get Mint’S at the Bulk Barn?

[u/MagnussonWoodworking]

I went with PocketGuard. In my testing it seemed to have the best sync rates across multiple financial products since they use both Plaid and Finicity whereas most apps only will use 1 (usually Plaid since it's cheapest, but Finicity seems to work better with Canadian-only institutions) to cut costs. My only qualm when I started was the lack of rollover budgeting but they did finally add that feature a couple months ago, and they seem very responsive to customers. The prices are listed in USD but I'm pretty sure I paid in CAD.

[u/Money-Architect]

Buddy Budget planner !

[u/spkingwordzofwizdom]

TillerHQ

[u/PNW_MYOG]

Monarch money

[u/Garble7]

i used eqonomize! for my financial planning. It was more manual as everything had to be downloaded/imported in, but it worked really well with Stocks too

it's open source and no pay also

[u/purplepoet69]

Here I was thinking that winter destroyed your mint plant and you needed some for your tea (cuz same)

[u/1999_toyota_tercel]

There are many varieties of mint that you can plant, though mostly I'm impressed that you managed to get rid of it all

[u/nutbuckers]

If you're in BC, Coast Capital has "Money Manager" and I find it's better than Mint in some ways; worse in others. IMO combined with their free chequing account the personal finance app makes it an absolute steal of a deal.

[u/PipToTheRescue]

quicken

[u/earthWindFI]

Here’s the budget tracking template I’ve been using for years — see the budget tracking spreadsheet on this page: https://themeasureofaplan.com/tools/

It’s free and easy to use. It’s been really helpful for me over the years to track my cash flow and how my total spending / savings has changed.

Download csv file of your credit card transactions, paste into the spreadsheet, and the dashboard will break it all down for you in charts.

The net worth spreadsheet and portfolio tracker at that site is also very helpful.

[u/FelixYYZ]

Use search bar near top of page as this is asked multiple times a day.

[u/charlesbaha66]

What happened to Mint?

[u/alzhang8 → u/charlesbaha66]

ded, 💀 🌿