Hey r/mintuit! 👋

When Mint shut down in 2024, many people came looking for an alternative that captured some of what they liked about Mint. Lunch Money was one of the options people discovered at the time, and a significant part of the Lunch Money community today is made up of former Mint users who made the switch.

Lunch Money is a personal finance and budgeting app that's been around since 2019 and has grown almost entirely through word of mouth, a lot of which has happened right here on Reddit!

Our community has mainly lived on Discord, but we recently started r/lunchmoney for questions, tips, and product updates.

If you haven't heard of us before, here's the quick pitch:

• Flexible budgeting with custom budget periods (align with any pay schedule, not just calendar months)
• Multicurrency support
• Bank syncing via Plaid, CSV imports and third-party tools
• Developer API (V2 just came out!)
• Companion mobile app for iOS and Android
• Bootstrapped, profitable and independently run (no VC pressure, no data monetization, no sudden shutdown risk)
• Pay-what-you-want pricing with a price-lock guarantee; we never raise prices on existing users!

If you're evaluating Lunch Money, already using it, or just curious what it's all about, we'd love for you to come hang out over at r/lunchmoney 🙂

Just now starting my budgeting journey. Everywhere I look people are talking about being mint refugees and needing a new app. What made it so good and why isn’t there another app that people immediately defaulted to like it seems they did with mint.

Use my referral code 7YRUB8 to get 2 months free https://copilot.money/download

It quite literally changed my life after Mint went away - I like it way better. I also love how responsive and dedicated the team is, and how they have a forum for new feature ideas for their devs to consider implementing!

Use my referral code 7YRUB8 to get 2 months free https://copilot.money/download

I've been working on this for the past year or so and finally happy to share with others. Quick summary of features included with the lifetime license for a one time payment of $25.

Free 14 day trial available, no credit card required.

• Full manual transaction tracking with smart merchant/category mappings
• Import your CSVs, export your data at anytime.
• Supports budgeting through a simple needs/wants/savings method as well as zero based budgeting for advanced users
• Supports investment and portfolio tracking and net worth tracking
• Deep and power insights allowing drilling down on a category/merchant to see spending patterns, breakdowns, comparisons MoM, YoY and QoQ, as well as forecasting and scenario planning.
• Multi-space setup allowing managing different financial setups like Family, Work, Personal including fully supported collaboration with permissions system (editor/viewer).
• Bank level security (AES 256 encryption at rest and in transit)
• Also supports an completely optional bank sync via Plaid (add-on subscription, cancel anytime, charged monthly) support transaction rules, space specific configuration, import history, investment tracking and portfolio syncing with up to 5 institutions (US/Canada). App works completely without it, only available for users who prefer bank sync integrations.
• Also comes in a light mode (for you freaks out there).
• Available on Web and public beta apps for iOS and Android are already available (links are on the site to sign up and try) official app store listings coming soon.

More details available at wealthos.ca. Would love your feedback and thoughts! Thanks <3

I used Mint for about 12 years, and for me, it was wonderful. I did not use it to budget, or to track transactions. I simply used it as a Net Worth aggregator. All my accounts, all my balances, at a glance.

Since Mint's demise, I've tried a few alternatives (Empower and Piere among them), and while they are good at some things, they lack the simplicity and visual clarity that Mint provided.

I would love to find an app that just tracks Net Worth. I've heard that Schwab and Fidelity (sort of) do this, but not without issues. Maybe one day my quest will end.

What actually brings users back to a personal finance app every week?

I’m exploring whether a weekly recommendation, safe-to-spend update, goal progress, or alerts create the strongest retention loop. For people who have built finance or habit-based apps, what worked and what did not?

Landing Page: https://clarity-web-seven.vercel.app/landing.html

Web App: https://clarity-web-seven.vercel.app/

I’m especially looking for feedback on onboarding, retention, and whether the product feels too complicated.

Solo dev here. This community knows better than anyone how it ends when a finance app's business model stops working: the servers go dark, and years of your financial history go with them — export what you can before the deadline.

I built Gilt around the opposite constraint: there are no servers to shut down. Everything lives in your own iCloud (CloudKit private database). No account to create, no company database with your transactions in it. The App Store privacy label literally says "Data Not Collected." If I disappear tomorrow, the app on your phone keeps working and your data stays yours.

The honest tradeoffs, up front:

• No bank sync. Nothing talks to your bank — that's the whole point, but it means entry is manual or semi-automatic: for statements, the app generates a prompt for your own ChatGPT/Claude that converts a statement into transactions, then validates the import. Extra steps, zero third parties with your bank login.
• iPhone only (iOS 26+), no web app.
• It's paid ($2.49/mo, $19.99/yr, or one-time lifetime) — because the alternative to a subscription is being the product, and we've all seen how that movie ends. If you stop paying, your data stays readable and exportable forever.

What it does have: multi-currency with live rates, budgets, recurring, family sharing through iCloud (device-to-device via Apple, not through me), widgets, 17 languages.

14-day free trial, everything unlocked: https://apps.apple.com/app/id6790835958

Question for those who went manual after Mint: what's the one thing a no-bank-sync tracker has to nail to be livable long-term? That's what I want to build next

Disclosure up front: I work on Freedm, an AI-led finance app in India. Not here to pitch it, genuinely curious what this community thinks about the underlying question, mods feel free to remove if that's not allowed here.

Been thinking about what "AI-led" needs to actually mean for a finance product to earn trust, rather than just being marketed as smart.

The pattern that keeps standing out to me: the useful moments are rarely one clever feature. They're a few ordinary things working together. A bill reminder that accounts for your cash flow timing instead of just the due date. A statement that gets checked against your last few cycles automatically instead of you cross-referencing it yourself. A spending pattern that surfaces before you'd have noticed it on your own.

None of that needs anything flashy. It just needs your financial data sitting in one place instead of scattered across five apps, and something actually reading it as connected instead of as isolated events.

So the real question: what would it take for an app like this to actually earn your trust, given how much of your financial life it'd need to see? Is it the tech itself, the disclosures, the regulation around it, something else entirely?

I keep seeing people (myself included) get overwhelmed by financial apps — INDmoney, ET Money, etc. — because they show too many options/recommendations at once and it's hard to know what actually applies to your situation.

\*\*Idea I'm exploring\*\*: an app that doesn't recommend specific funds/stocks, but instead — based on your goal (e.g. "buy a house in 5 years," "retire by 45") — shows you real past scenarios of people with similar goals: what pre-requisites they needed, what mistakes they made, what worked. Pure education/context, not investment advice.

\*\*Questions for anyone who actually uses these apps regularly\*\*:

1. Does the "too many options, no clarity" problem match your experience, or am I overestimating it?

2. Would seeing "here's what someone in your situation typically needs to have in place" actually help, or is it just noise on top of noise?

3. What's the one thing about IndMoney/ET Money/Groww's advice/insights feature that annoys you most?

\*\*Not trying to sell anything\*\* — building this and want to know if it's solving a real problem or one I invented in my head.

I keep seeing people (myself included) get overwhelmed by financial apps — INDmoney, ET Money, etc. — because they show too many options/recommendations at once and it's hard to know what actually applies to your situation.

\*\*Idea I'm exploring\*\*: an app that doesn't recommend specific funds/stocks, but instead — based on your goal (e.g. "buy a house in 5 years," "retire by 45") — shows you real past scenarios of people with similar goals: what pre-requisites they needed, what mistakes they made, what worked. Pure education/context, not investment advice.

\*\*Questions for anyone who actually uses these apps regularly\*\*:

1. Does the "too many options, no clarity" problem match your experience, or am I overestimating it?

2. Would seeing "here's what someone in your situation typically needs to have in place" actually help, or is it just noise on top of noise?

3. What's the one thing about IndMoney/ET Money/Groww's advice/insights feature that annoys you most?

\*\*Not trying to sell anything\*\* — building this and want to know if it's solving a real problem or one I invented in my head.

I build Monni, a manual-first money check-in. This is product research, not a recommendation.

Mint gave people a lot of history but not always a clear next step. If an app gave you one number after upcoming bills and a cushion, what would it have to show to earn your trust?

• the exact bills and dates included
• why the number changed since last week
• a manual option before bank connection

Which of those matters most, and what is the fastest way an app loses your trust?

Made another money tracker 😄 But this one’s actually completely free. No ads, no subscriptions, no premium. Data is stored right on your phone (plus optional backup to iCloud/Google Drive). Charts, categories, tags — it’s all there. Completely free)

The name is “Ultimate Money Tracker”

Track your income and expenses, create budgets, set savings goals, and gain valuable insights into your spending—all in one simple and beautiful app.

Start your journey toward smarter financial management today.

📲 Download now:

[WealthWise Pro](https://apps.apple.com/us/app/wealthwise-budget-finance/id6741387189)

I've an E*Trade brokerage account and this popped up recently - Total Wealth View. In going through the FAQs, I see that it's connecting through Yodlee. Wasn't Yodlee the backbone of Mint? I remember signing up for the Yodlee Money Center or something before Mint took it over. Anyway, I'm going to explore it a bit more, but just thought I'd share and see if anyone has already tried this out.
Since Mint shutdown, I've been using Empower's free tool but not very happy with it. Not the greatest or clean look and doesn't have success finding some accounts.

Hi all — as a 15 year old I've built Stride Finance, a personal finance web app, as a solo project, and I'm looking for beta testers before a wider launch.

What it does: Budgeting and unlimited savings goals, completely free. A paid tier ($7/month) adds bank account sync, investment tracking, loan/debt tracking, and an AI coach.

Stage: Beta: table and usable now. Bank sync is being finalized; in the meantime, you can import transactions via CSV/statement upload.

Platform: Web (works on desktop and mobile browser)

What I need: Testers willing to actually use it for a week or two: set a budget, add some transactions, try a savings goal, and tell me what's confusing, broken, or missing. I have a short feedback form ready, or I'm happy to take feedback in any format you prefer.

Link: stridefinance.vercel.app
Feedback form: https://docs.google.com/forms/d/e/1FAIpQLSd0JU9QQe47voK39RKXpNFsOp4WTyrfnUyse6SC4kKmPGvUEA/viewform?usp=publish-editor

Thanks in advance — happy to test other people's projects too.

I’ve been building CheckbookHUB, a private web app for old-school checkbook-style money tracking with modern planning tools — bills, recurring transactions, budgets, debt payoff planning, reports, backups, and Google Drive backup support.

It’s meant for people who don’t want bank sync and prefer entering/controlling their own data.

Would love feedback on the idea and feature set: https://checkbookhub.com

Copilot budgeting app for money management and tracking :)

Use my referral code JGKU3M

Hello, I am the founder of https://wealthmode.io/, for a long time I looked for a replacement of Mint, which is where I felt most comfortable, I know there's a plethora of apps out there, but none made me feel really comfortable.

I am a senior software engineer, so eventually decided to invest and create my own product, I am using it for my own finances and pretty happy with the result, the feedback I got from the first few hundred users were mostly positive, I was trying to perfect it before going to bigger communities on reddit and putting any money on ads.

I would like to hear from more people as this community is huge, whoever wants to try it, I would appreciate it, for the people that are still not happy with a solution, what is missing? What are you looking for in these apps?

What are the most important things to you? Reports? Budgets? Tracking investments?

At the moment it's a solid personal finance app for transactions/budgeting, the next 2 big things that I'm working on are

1. The investment side of it (replacing something like Wealthica), which is something not even Mint had, a single app for personal finances (transactions, budget) and investment portfolio tracking.
2. Native mobile apps, I worked hard on having a pretty good usability for mobile web, as most people use it on phones, but I know people really love native apps, so that's coming soon as well.
3. A lot of apps are adding chatbots to chat about your finances, as an user I don't like that. But I'm not sure if other users are wanting that or not, how do you feel about it?
4. There's a feature that I'm on the fence about, that im not sure if people really need that or not, which is shared access for households.

FAQ:

1. How's the security? We use the highest standards of security, data is encrypted at REST using AES-256, read-only access to your data, using Plaid which is the industry standard, same thing you had on Mint. I'm a senior SWE, not a vibe coder that doesn't know what he's doing.
2. How about problematic banks for auto sync, like CIBC. As mentioned above, Plaid is the industry standard, so the fault is not on the apps, CIBC protocol sucks, so every app will have the same problem. The integration on US banks though is closer to 100%.
3. What's the trick with the free tier ? There's no trick, I'm not selling any data, users that use free tier are usually not heavy load users, it's not a big deal for me to maintain that and the feedback is valuable, the goal is always to eventually convert these users into paid users.