Mint is gone.
Here's your new home.
Mint gave many people one place to review everyday finances. After its January 2024 shutdown, Warm offers a paid, ad-free dashboard for organizing accounts, spending, bills, budgets, cash flow, and net worth without requiring a prescribed budgeting method.
Quick take
Warm compared with Mint
Mint was discontinued. Warm Plus includes bank sync, budgeting, and a cash flow tools. CSV and OFX import let you get started immediately.
Mint Pain Points
- Mint shut down with little warning
- Credit Karma migration lost budgeting features
- A move to a different product can change the workflow you relied on
- You may want a current, paid dashboard rather than an advertising-supported finance product
How Warm Helps
- Warm is funded through paid subscriptions rather than advertising
- Whole-picture organization across spending, bills, budgets, cash flow, goals, and net worth
- No advertising inside the product
- Clean, calming interface designed for clarity
Why Choose Warm Over Mint
Key advantages that make the difference
CSV and OFX import let you get started immediately
Bank sync available on Plus ($8.25/mo equivalent (Billed $99 yearly))
A low-attention check-in for reviewing where you stand
A focused product for organizing your financial picture
What Makes Warm Different
A calmer approach to personal finance
CSV/OFX import for supported CSV and OFX exports on both paid plans
Financial health score included on all plans (0-100 wellness metric)
Bank connections, API access, and local MCP access are read-only on every paid plan
No ads, financial-product marketplace, or sale of personal data
Warm is Best For People Who...
Honest assessment: is Warm right for you?
People who want a calm, ad-free budgeting experience
Those who want an organized financial picture without following a budgeting method
Users who want manual imports alongside a paid plan
Anyone frustrated by Credit Karma losing Mint features
Feature Comparison
Warm plan availability is sourced from our current feature reference.
Competitor details are based on publicly available product and pricing information and may change over time.
| Feature | Warm Plus plan | Mint Discontinued |
|---|---|---|
| Pricing & Value | ||
| Lower-friction starting point
Unique
| | |
| Flexible path into the product | | |
| No account limits | | |
| Transparent pricing | | |
| Platform Availability | ||
| iOS app | | |
| Android app | | |
| Web app | | |
| Account Management | ||
| Bank sync via Plaid | | |
| CSV & OFX import | | |
| Manual transactions | | |
| Auto-categorization | | |
| Smart transaction tags | | |
| Budgeting | ||
| Category budgets | | |
| Merchant-level budgets
Unique
| | |
| Savings goals | | |
| Goal account linking | | |
| Bills & Subscriptions | ||
| Recurring detection | | |
| Bill calendar | | |
| Bill reminders | | |
| Cancel link library
Unique
| | |
| Wealth & Assets | ||
| Net worth tracking | | |
| Investment tracking | | |
| Crypto tracking | | |
| Manual asset tracking | | |
| Analytics & Insights | ||
| Spending by category | | |
| Spending by merchant | | |
| Cash flow analysis | | |
| Financial health score
Unique
| | |
| Low cash runway alert
Unique
| | |
| Advanced Features | ||
| Transaction search | | |
| Cash flow forecasting | | |
| Reports & export | | |
| MCP access | | |
Verdict: Warm leads in 12+ features with a calming interface designed for clarity over complexity.
Common Questions
Is Warm a good replacement for Mint?
Yes. Warm offers account organization, budgeting, spending tracking, bank connections, CSV import, manual transactions, and a financial health score. Plus ($8.25/mo equivalent (Billed $99 yearly)) supports up to 5 synced accounts.
How can I start with Warm after Mint?
Choose Plus or Pro, then import supported CSV or OFX files or connect accounts through Plaid. Both paid plans include manual transactions, a financial health score, and read-only API and MCP access; account capacity differs by plan.
Can I import my Mint data into Warm?
Yes. You can export your transaction history from Credit Karma (where Mint data migrated) as a CSV file and import it directly into Warm. Our import handles duplicate detection automatically.
How is Warm different from Credit Karma?
Warm is a paid budgeting and tracking product. It does not run ads, sell financial products, or sell personal data.
Does Warm support the same banks as Mint?
Warm uses Plaid for US bank connections. Plaid advertises a network of more than 12,000 institutions, but availability varies by institution and account type. Search during setup or use a supported CSV/OFX import when a direct connection is unavailable.
Next step
Ready to feel calm about money?
Join Mint users looking for a new home.