Mint is gone.
Here's your new home.
Mint was the go-to budgeting app for millions. When it shut down in January 2024, users were left scrambling. Warm was built for exactly this moment - a calm, simple alternative that focuses on what matters.
Mint Pain Points
- Mint shut down with little warning
- Credit Karma migration lost budgeting features
- Ads and credit card upsells everywhere
- Interface became cluttered over time
How Warm Helps
- Warm is here for the long haul - sustainable business model
- Full budgeting, goals, and insights from day one
- No ads, no upsells - just your finances
- 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 plan ($5.99/mo)
No overwhelming dashboards - just what you need
Built by a small team that cares about your experience
What Makes Warm Different
A calmer approach to personal finance
CSV/OFX import for any bank, even before you choose Plus or Pro
Financial health score included on all plans (0-100 wellness metric)
Spending anomaly alerts catch unusual charges automatically
No ads, no credit card upsells, no data selling
Warm is Best For People Who...
Honest assessment: is Warm right for you?
People who want a calm, ad-free budgeting experience
Those who value simplicity over feature overload
Users who want manual imports before they add bank sync
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 from $0 | 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
| | |
| Spending anomaly alerts
Unique
| | |
| Advanced Features | ||
| Transaction enrichment | | |
| Cash flow forecasting | | |
| Household sharing | | |
| Reports & export | | |
| AI financial assistant | | |
Common Questions
Is Warm a good replacement for Mint?
Yes. Warm offers the core features Mint users loved - budgeting, spending tracking, and bank connections - without the ads and upsells. CSV import, manual transactions, and spending alerts help you get started, and Plus ($5.99/mo) adds bank sync for up to 3 accounts.
How can I start with Warm after Mint?
You can start by importing CSV or OFX files from any bank, using manual transactions, spending anomaly alerts, and a financial health score. When you want automatic bank sync, choose Plus ($5.99/mo) or Pro ($24.99/mo).
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?
Unlike Credit Karma, Warm doesn't sell financial products. We're purely a budgeting and tracking tool with no ads, no credit card offers, and no upselling. We make money from subscriptions, not your data.
Does Warm support the same banks as Mint?
Warm uses Plaid for bank connections, supporting over 12,000 financial institutions in the US and Canada - the same infrastructure used by Venmo, Robinhood, and Coinbase. If Mint supported your bank, Warm likely does too.
Ready to feel calm about money?
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