What happened to Mint (and CA users)

Mint is gone.

Intuit shut down the personal-finance app on March 23, 2024, ending a service that many Canadians had used for years to bring bank accounts, credit cards, transactions, budgets, investments and net worth together in one place.

Intuit directed Mint users toward Credit Karma, another company it owns. But for Canadians, there was an important catch: Credit Karma Canada isn't a direct replacement for the Mint experience we had here.

That's a big reason Canadians are still searching for Mint alternatives more than two years later.

Here's what happened, what changed for Canadian users, and what you can do if you're still rebuilding the financial picture Mint used to provide.

The short version

• Intuit announced in 2023 that Mint was going away and that some of its functionality would move into Credit Karma.
• Mint remained available until March 23, 2024, when the service was shut down.
• Credit Karma inherited parts of the Mint story in the United States, including spending and net-worth features.
• Credit Karma Canada is currently focused on credit scores, credit reports and credit monitoring, not the full budgeting and financial-dashboard experience Mint provided.
• If you already exported your Mint history, keep it. If you didn't, you'll generally need to rebuild history using records from your banks, credit cards and investment institutions.
• There is no official Mint replacement for Canadians. Products including Finnomia, Monarch Money, Lunch Money, Waypoint and YNAB now approach different parts of the problem.

If you're mainly looking for a replacement rather than the history, see our comparison of the best Mint alternatives for Canadians.

What actually happened to Mint?

Mint's shutdown wasn't a sudden decision made in March 2024.

It was part of a longer shift in Intuit's personal-finance strategy toward Credit Karma.

Intuit had acquired Mint back in 2009 and launched Mint in Canada in 2010.

A decade later, Intuit acquired Credit Karma. By August 2022, Intuit had moved Mint's operating results from its Consumer business into the Credit Karma segment, describing the move in its financial reporting as part of an effort to better align its personal-finance strategy.

Then, on October 31, 2023, Intuit Credit Karma announced that it was “reimagining Mint” as part of Credit Karma.

The announcement was unambiguous about Mint itself:

“Mint is going away.”

Intuit said the transition would happen in phases and encouraged Mint users to move into Credit Karma, where some popular Mint functionality — including spending, transaction, cash-flow and net-worth tracking — would continue.

Mint's final shutdown date was March 23, 2024.

Today, the Mint homepage describes Mint as having been “reimagined on Credit Karma” and directs visitors into the Credit Karma ecosystem.

Mint's shutdown timeline

That history matters because Mint wasn't simply renamed.

Intuit consolidated its personal-finance strategy around Credit Karma, and the experience that emerged wasn't identical to the Mint product Canadian users had been using.

Why didn't Credit Karma simply replace Mint in Canada?

This is where the Canadian story diverges from Intuit's broader Mint messaging.

Intuit's U.S. materials describe Credit Karma features that cover some of the jobs Mint used to do, including:

• connected financial accounts
• transaction tracking
• spending
• cash flow
• net worth

But visit Credit Karma Canada today and the product is positioned quite differently.

Its Canadian offering is built primarily around:

• free credit scores
• credit reports
• credit monitoring
• credit education
• financial-product recommendations

That's useful functionality, but it isn't the same thing as opening Mint and seeing your chequing account, credit cards, transactions, budget and net worth together.

So when Intuit says Mint was “reimagined on Credit Karma,” Canadians should not interpret that as meaning Credit Karma Canada became a like-for-like Mint replacement.

It didn't.

What did Canadian Mint users actually lose?

For many people, the attraction of Mint wasn't any individual feature.

It was the fact that several jobs happened in the same place.

One place for accounts

Mint could bring multiple financial institutions together so you didn't have to sign into each bank or credit-card provider just to see the overall picture.

For a Canadian household, that might mean a chequing account at TD, a credit card at CIBC and investments somewhere else.

Automatic transaction tracking

Instead of entering every purchase manually, connected transactions appeared automatically and could be categorized into things such as groceries, restaurants, transportation and utilities.

Budgeting

Those transactions fed into monthly budgets, giving users a relatively simple way to see how actual spending compared with what they planned.

Spending trends

Mint made it easy to look backward and answer questions such as:

• How much did I spend on restaurants this month?
• Is grocery spending rising?
• Where did our money go?
• How does this month compare with last month?

Net worth

For people who connected enough of their financial life, Mint could also turn individual account balances into a larger picture of what they owned and owed.

That's the part of Mint that is easy to underestimate.

A budgeting app tells you what happened to this month's money.

A net-worth view connects that everyday activity to the bigger financial picture.

For a Canadian household, that picture may include chequing, savings, a TFSA, RRSP, FHSA, investment accounts, credit cards, a line of credit and a mortgage.

Under the standard definition:

Assets − liabilities = net worth

Unused TFSA or RRSP contribution room isn't an asset. The money and investments actually held inside those accounts can be.

We cover that distinction in more detail in registered accounts and net worth.

Can you still export your old Mint data?

If you exported your Mint data before the shutdown, keep the files.

They can be useful for rebuilding:

• transaction history
• category history
• spending trends
• account records
• a longer financial baseline

Depending on the replacement you choose, you may be able to import some of that history rather than starting completely from scratch.

But in 2026, Mint itself is no longer an app you can simply log back into and export from.

If you didn't save your history, don't assume you'll be able to recover everything Mint once held.

Instead, rebuild from the institutions that originally supplied the data.

Most banks, credit-card companies and brokerages allow customers to download some combination of:

• transaction history
• account statements
• CSV files
• investment statements
• tax documents

How much history is available varies by institution.

Start with the accounts that matter today rather than trying to perfectly reconstruct every coffee purchase from 2018.

A practical way to rebuild after Mint

If you're still piecing things together after the shutdown, I'd rebuild in this order.

1. List your active accounts

Start with what you actually use now:

• chequing
• savings
• credit cards
• lines of credit
• loans
• mortgage
• TFSA
• RRSP
• FHSA
• RESP
• LIRA
• non-registered investments

Don't worry about transaction categories yet.

First establish where your money is and what you owe.

2. Establish your current net worth

Record the current balance of each asset and liability.

That gives you a clean starting point even if your historical Mint net-worth chart is gone.

The Financial Consumer Agency of Canada's financial-planning material uses the same basic idea: net worth is what you own minus what you owe.

3. Bring in recent transaction history

You probably don't need ten years of purchases to create a useful budget.

FCAC's budgeting guidance recommends reviewing your income and expenses to understand where your money is going.

A couple of representative months can give you a useful starting point for categories such as:

• housing
• groceries
• transportation
• utilities
• dining
• subscriptions
• debt payments
• savings

If you have an old Mint export, you can decide later whether the extra history is worth importing.

4. Be careful with transfers

One of the easiest ways to distort a reconstructed budget is to count transfers as spending.

Moving $500 from chequing into your TFSA isn't the same thing as spending $500 at a store.

Paying a credit-card bill is also generally a transfer of money to settle purchases you've already recorded — not another round of spending.

Whatever replacement you choose should give you enough control to correct those classifications.

5. Rebuild the financial picture before obsessing over categories

You don't need a perfect taxonomy of 75 categories before the system becomes useful.

Get the important pieces right first:

Accounts → balances → transactions → transfers → broad categories → budget → net worth

Then refine it.

The Canadian replacement problem is different

Former Mint users in Canada have another complication: much of the personal-finance software market is built primarily for Americans.

Being able to select CAD is useful, but it doesn't automatically make an application Canadian.

Canadian financial life includes concepts such as:

• TFSA
• RRSP
• FHSA
• RESP
• LIRA
• CPP
• OAS
• Interac e-Transfer
• Canadian banks and credit unions
• Canadian investment institutions
• Canadian privacy requirements

A U.S.-built application can still be an excellent choice — Monarch and YNAB are good examples — but it's worth distinguishing between a product that supports Canadian users and one designed around Canadian financial life.

We explore that issue separately in Canadian money apps vs. U.S. budget apps.

What about bank connections in Canada?

Automatic financial connections are still one of the hardest parts of replacing Mint.

Canada's formal consumer-driven banking framework is moving forward, but it is not yet a fully operational replacement for the connection methods personal-finance apps have historically relied on.

In June 2026, the federal government pre-published proposed Consumer-Driven Banking Regulations. The government said implementation would occur in stages after final publication of the regulations.

In the meantime, connectivity varies by financial institution and by the data provider an app uses.

That means one important question when evaluating a Mint replacement isn't merely:

“Does it support Canada?”

It's:

“Does it work well with the particular banks, credit cards, credit unions and investment accounts I use?”

Some financial apps are also moving toward multiple connection providers rather than relying on only one, which can provide more options when a particular institution is difficult to connect.

For a deeper look at account connections and privacy, see our Canadian bank-sync and PIPEDA checklist.

So what replaced Mint in Canada?

There isn't one answer.

Different products have taken different pieces of the job Mint used to do.

Monarch Money is a strong choice for people who want a mature all-in-one financial dashboard.

YNAB is particularly good for people who want a structured budgeting methodology.

Lunch Money offers flexible budgeting, transaction management and strong multi-currency capabilities.

Waypoint is a newer Canadian-focused option centred on budgeting and household money management.

And Finnomia is the Canadian personal-finance platform we're building around the broader financial picture: accounts, transactions, budgets, bills, goals, debt, investments, net worth, forecasting, retirement planning and household finances in one place.

Rather than repeat the full comparison here, we've put those products side by side in Best Mint alternatives for Canadians in 2026.

Where Finnomia fits

Full disclosure: this article is published by Finnomia.

Mint's shutdown is also part of why Finnomia exists.

We wanted the simplicity of opening one place and understanding where the money went and how the larger financial picture was changing — but with more support for the financial decisions Canadians actually make.

Finnomia now brings together:

• connected bank and credit-card accounts
• transaction management and budgeting
• bills and subscriptions
• savings and debt goals
• a Debt Freedom Planner
• Canadian investment accounts and holdings
• TFSA, RRSP, FHSA, RESP and LIRA tracking
• net-worth history
• cash-flow forecasting
• CPP/OAS-aware retirement planning
• shared household finances

Finnomia currently connects Canadian financial institutions through Plaid, with Flinks being added as a second connectivity provider to improve support and reliability across Canadian institutions.

Connections are read-only. Finnomia cannot move money and doesn't store your banking password.

Finnomia exits Open Beta on September 1, 2026. The functionality above is already live.

If you're still looking for the financial home that disappeared with Mint, you can start a 30-day free trial.

Or start by comparing your options in Best Mint alternatives for Canadians.

Mint isn't coming back. But the useful idea behind it — being able to understand your financial life without opening half a dozen different apps — is very much alive.

This article was reviewed in August 2026. Product features and government programs can change. Finnomia is not affiliated with or endorsed by Intuit, Mint or Credit Karma. This article provides general information, not financial advice.