What happened to everyone who used Mint?

The shutdown, briefly

Intuit announced in late 2023 that Mint was closing, and in March 2024 it did. Users were pointed at Credit Karma, which carried some account views but not the budgets, and the budgets were the point. Millions of people who had organized their money around one free app had a deadline and a decision.

Where everyone went

The diaspora spread out. The loudest landing spot was Monarch, which courted Mint refugees directly. Copilot and Simplifi each took a share. YNAB took the budgeters willing to change method entirely. And a large, quiet group went back to the tool that predates all of them: a spreadsheet, built by hand, owned outright.

Every one of those choices was reasonable. The app people picked the closest thing to what they had lost. The spreadsheet people decided they were done depending on anyone.

The pattern that followed

Then the pattern that closed Mint followed its refugees to the new apps, because it is structural, not a matter of any one company’s character. An app built on bank feeds pays for every connected account, every month, forever. Those costs follow each user, so as the costs rise, the price rises, or a tier appears, or the feature you thought you had bought moves behind one. And the feeds themselves still break, because they ride aggregator rails no app controls.

None of that is an accusation. It is the economics of the category, and it is why the second landing spot so often ends the way the first one did.

The third time

A twice-burned budgeter tends to want three things the third time: something they own rather than rent a connection to, nothing that depends on a feed staying alive, and a price that holds still.

That is the corner Marked Money deliberately occupies. Nothing links to your bank, by design, so there is no feed to break and no per-account data cost pushing the price around. You bring your records in, you confirm everything before it counts, and your books come back out as a spreadsheet any day you ask. It is free during the beta.

It asks more of you than Mint did. You confirm your own numbers instead of watching a feed guess at them. For the reader who has now watched two apps change underneath them, that trade, attention for trust, is usually the one they were already ready to make. And if where you landed was a spreadsheet, the case for moving just the ledger out of it is made at markedmoney.app/spreadsheets.