Mint is free, and gets you up and running with your budget and account views within minutes thanks to their step-by-step tutorial when you sign up. After you set up your accounts, Mint imports the last 3 months of transactions. Mint's predefined categories are applied to each transaction and, based on these categories, it automatically creates a budget for you. You can add as many sub-categories as you like and Mint will remember these assignments going forward. Mint.com is one of the most popular personal finance sites on the internet. It automates nearly every aspect of making a budget and tracking your spending. Some of Mint's highlights include:

Free
Quick set up
Past transactions
Automatic budget creation
Customizable
Goal setting
Versatile home page
Free credit score
Triple layer security
Mobile access

Also, you're not stuck with the initial automatic budget; you can tinker with it to your own liking. In addition to budgeting, Mint also allows you to set up goals like paying off your credit card or saving up for a big purchase, and tracks your progress toward those goals. Since Mint can capture all of your accounts, the dashboard home page makes it simple to see your financial health at-a-glance, including:

Recent transactions
Spending by category
Budget tracking
Alerts
Advice and tips
Account balances
Net worth

Alerts can be customized based on your preferences. Mint will send notifications through email or text message informing you of a low balance, unusual spending, fees incurred or goals reached. The design is colorful and easy to read and you can customize it by adding or removing charts and widgets. Mint also supports mobile access, providing apps for:

iOS
Google Play
Windows Phone
Amazon

Mint is the only personal finance site to offer free credit score tracking, provided via Equifax - not even a credit card required. This feature is critical if you're saving for a big purchase like a home or a car. You can even opt to display your score on your home dashboard page so that you can keep constant tabs on it. To ensure high levels of security, Mint operates on a "triple layer security" system. Additional security authentication is required on mobile devices with a 4-digit pin for its mobile apps - or you can opt to use Touch ID fingerprint verification for iOS.

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The Bad

Manually add accounts
No demo
Too simplistic for some needs

While Mint gives you a detailed view of your financial past and present, it falls short on forecasting your future balances. You can't manually add accounts, which some people prefer instead of handing over their account information to automatically sync bank and credit card transactions. Mint also doesn't offer functionality to reconcile your bank statements (what we used to call "balancing your checkbook") either. Some common concerns regarding Mint include:

Advertising
Little pre-sign up info
Lacks forecasting
No reconciling
Few investment tools

Mint offers it's services for free, which means they have included advertising on the site. Although it's simple to get set up Mint with the tutorials provided after you register, there is little pre-signup information offered on the website. Some people may feel uncomfortable signing up for a product they can't demo or even see in a video ahead of time. If you're a high-end user of investment and wealth management tools, Mint will probably seem too simplistic for you. It also doesn't support many financial institutions outside of the U.S. In fact, there isn't even an option to purchase an upgrade to get this type of functionality.

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The Bottom Line

Mint.com is one of the most popular online personal finance sites - and for good reason. It excels in helping you create and stick to a budget and keeps you on track with your financial goals across a wide variety of devices. Mint's free credit score tracking is a killer app which is unique among its competitors and this feature alone would be a good reason for choosing Mint. Its security pedigree, hailing from its parent company, Intuit, is solid and trustworthy. Those that use Mint can expect the following from their service:

Free software
Quality financial management tools
Advertising on the app

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User Reviews

Star Rating

4.3

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103 Reviews

Review Breakdown

5 grade

52%

4 grade

30%

3 grade

10%

2 grade

1 grade

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Kate Dayton, OH

Mint has been a great finance app for me starting out as a young adult. With this new update, I am now completely obsessed. It is so easy and streamlined, showing me my finances, bills, budget and spending. I love how new and easy it is to use and keep track of my money. The budget wheel and aspect is wonderful, I Love being able to put in bills and mark them as paid, and the overarching view of my financial standing is very helpful at a glance. I would (and do) recommend the Mint app to anyone I know that I talk to about money and budgeting.

8 years ago

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Alyssa Rowlett, TX

My husband and I were introduced to Mint.com very early in our marriage and it was so easy to keep track of all of our finances, be on the same page, and get great data to know how we can improve on our monthly budget. It was a huge relief to me because before, finances and budgeting stressed me out. I shared it with all of my family members and many friends.

8 years ago

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David Stickles West Jordan, UT

Great tool for people who do not natural have a budget ticking in their head. Really let’s you see where your spending is going and the best areas you can improve. Makes planning a trip or big purchase less of a guessing game.

5 years ago

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Eddie Rios Ogden, UT

What a great financial tool to track and maintain your financial accounts. I used it and within weeks, it had a positive effect on my screwball finances. It all become manageable and easy to manipulate. I wish more things had this impact on your stuff. But at least bills and savings will be better handled with the help of Mint.com.

6 years ago

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Thomas Hullinger Pleasant Grove, UT

Mint has been very valuable to me, in helping me prepare a budget, keeping track of my expenses and categorizing everything so it is easy to find. I like their reminders of payments coming due and you just pay for what you need.

8 years ago

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Lindsey American Fork, UT

I use Mint now - I LOVE IT! Everything is in one spot, they are very user-friendly, and when I need to do my taxes on turbo tax, I can link up my Mint account to it. It is helpful if you want to pay off debts, make financial goals, etc. You don't have to pay for this service which is even better.

8 years ago

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Anne Sainsbury Orem, UT

I started using the Mint App about 4 months ago. I had never used a financial management app before and I was amazed at how easy it was to set up with my bank account. Best part about it was that it was free! I loved being able to go in and itemize my spending so that I knew exactly where my money was going. It has helped me create a tighter budget and save money!

5 years ago

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austin pliler Layton, UT

Mint is amazing! If you have struggled to keep track of your spending and don’t like budgeting this is a great way to get started. They have so many cool features and it’s totally free. They make it really easy to connect to your financial institution so you can see exactly how much you have in savings and how much you’ve spent. I recommend it all the time to my friends and family.

5 years ago

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Caitlin Fayetteville, AR

Mint helps me keep all of my accounts in one place. It has been one of the most helpful apps on my phone for months now and it is the first place I go when I need to check any of my accounts. Not only does it keep track of your accounts, bills, and credit score, but it also helps you set saving goals that are kept track of in the app. I can not say enough good things! Everyone should give Mint a shot!

5 years ago

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Sam Anders Orem, UT

I really love using Mint for budgeting and I also use them (as one of many) to monitor my credit. I really like that I am able to sync up my bank and other account details with their site. It makes budgeting really simple and their bill payment reminders have definitely saved me a handful of times. I try to use the site over the mobile app as I find that there aren't as many features available on the app.

7 years ago

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Amber Saratoga Springs, UT

We use Mint for our budgeting. Its great to track your budget with because it gives you alerts by text or email if you are getting close to reaching your limit and an assigned budget. It also alerts you if there has been unusual spending in any category. That way I can go into my account and see why. Also its a great tool to have all your financial accounts all in one place so you don't have to sign in to each individual sight to keep track of things.

8 years ago

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Nyla C. Edison, NJ

Mint has helped me financially budget and build my credit score. Mint sends weekly summaries that helps me know how much I spent. It also helps with tracking paychecks and rent, which has helped me manage my time and money.

5 years ago

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Korinne C Riverton, UT

Mint is my favorite budget website and app. I've tried a bunch and have always come back to Mint. I love that the service is free, and that I can easily customize it how I want it. I also love that categorizing all my transactions is very simple.

4 years ago

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Shopman Herriman, UT

Mint has really helped my get my finances under control. It has helped me be accountable for my spending and my saving. Taking the time to look at it each month has helped me to motivated to spend less and save more. I have also been made aware of fees that I was paying to the bank, that I had never noticed before.

4 years ago

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Bradley Baer Philadelphia, PA

Mint is a great resource that I use on a daily basis. From credit scores to real-time spending, the interface provides an easy way of tracking my finances. The easy-to-use app also makes it easy to correctly categorize items to have better-tracked expenses.

4 years ago Edited January 5, 2022

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Sirdriz77 Fairfield, CT

I set up an account with mint because I wanted to have a better picture of our overall finances. I love having everything in one place and several times I've received very handy notifications about unusual charges and fees on my accounts.

4 years ago

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Ashton Rogers Fayetteville, AR

I use Mint to keep track of my different accounts (checking, savings, Venmo) and it has been a great way to watch my monthly spending. I also use it to budget my spending and savings each month. I like that it's easy to use and I plan to use it to finance my student loan payments in the future.

5 years ago

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Shante Reeder Ogden, UT

Mint was the first budget tool I ever used! I signed up right after I got my first checking account to help me learn how to budget, and it has stuck with me! It's easy to use, and awesome to be able to see exactly where your money is going!

6 years ago

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David Martin San Diego, CA

Mint is my absolute favorite financial service EVER! I have yet to find a financial institution that they do not integrate with. You can even get your credit score right through Mint. It is awesome! And the best part of all, it is completely FREE!!!

6 years ago

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Zack Salt Lake City, UT

Mint is by far my favorite resource to help me manage my money. Its free and has very helpful resources to help you save money fast. I'm able to set budgets and goals inside the program, and I can carry it anywhere with the mobile app.

7 years ago

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Anna Hu Provo, UT

Mint has been so helpful with my budgeting and and changing my spending habits. It has really kept me on track with spending my money, and it is so helpful to see my trends in spending habits. It is so much easier to say no to unnecessary purchases while using Mint, and I definitely manage my money so much better now that I have this app.

8 years ago

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Luke Swierczynski Troy, MI

Mint is a great free service to get your finances in line. Easy to sync and manage all your accounts in one place. Gives you helpful insights as well.

4 years ago

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Brian Cowley Riverton, UT

We use mint.com for our budgeting. I like that you can connect accounts and track several different cards/accounts all together. I wish it was easier to remove accounts though. Only downfall.

4 years ago

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Elizabeth Black East Hampton, CT

This is a great way to keep track of your income, expenses, and current net worth. It may take a little bit of time to set up your accounts, but it's worth it to be able to see all your financial accounts in one place.

5 years ago

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David Anderson Providence, UT

Mint is an awesome free tool to help you budget, save money, and put all your accounts into one aggregated place. I love that I can see everything together and not have any financial surprises.

5 years ago

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Shayla Hankins Lehi, UT

Mint is my one and only app for finances that I trust besides my bank app. They allow me to easily make budgets for as many categories as my life needs or has. And their customer service is the best.

7 years ago

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Abigail scoville American Fork, UT

So easy to use and understand! I love using mint because it allows me to budget on my phone in a super easy fast way. It notifies me when I am close to my budget and it shows how much I really spend in specific areas

7 years ago

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Sarah Fairfax, VA

A nice way to track your spending all in one place! You can tailor it to a certain extent but you can't delete categories which can be frustrating. Overall it has been a helpful too!

8 years ago

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Erin Rhoton Pleasant Grove, UT

I absolutely love using Mint for my expense tracking! It is really easy to create a budget and it links to my credit cards and bank accounts so it is easy to monitor my spending.

8 years ago

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Carolee AhPing Heber, UT

I love Mint. I have been using them for years. It's easy to use, free, and it has kept me on top of my finances. I have all of my accounts hooked up to it so it's easy to see where my money goes and to keep track of it.

8 years ago

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Jacinda E Sandy, UT

Great app to get on the same page with spending and saving with a spouse. Great tool for any couple to use for a budget and stay accountable

8 years ago

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Jenetta E Provo, UT

Has a lot of different tools to help you create a flexible budget that can change from month to month just like how your expenses might vary from month to month.

5 years ago

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Anna Gratalo Salt Lake City, UT

Mint is great for me as a young person just getting into finance. There's a lot of niche things when it comes to financing and Mint helps me understand them.

5 years ago Edited September 14, 2021

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jaci finch Corpus Christi, TX

MINT IS AMAZING! I am a college student who hates thinking about money, and Mint makes it so easy. They track everything and honestly have helped me save so much money.

5 years ago

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Christian Parry Logan, UT

I’ve used Mint to budget for years. I love how easy it is to set goals and see how close I am to achieving them. It’s a great platform to budget with

5 years ago

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Ann Bailey Lehi, UT

I love the Mint app on my phone. I can check my credit in a second, and I love the it links all of my purchases and accounts to keep my budget on track.

7 years ago

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Hayley Lambdin Orem, UT

Mint is great at tracking your expenses and helps you understand where you may be over or under budget!

8 years ago

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Amber Handy Salt Lake City, UT

I have used this for years and love it. It’s an excellent way to track your finances and budgets and is so user friendly.

4 years ago

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Rocio Diaz Tallahassee, FL

Mint is easy to use and is like having a personal accountant on demand. Great way to keep track of expenses and make a personal financial plan.

4 years ago

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Kyle Provo, UT

Five star great budgeting app. I don't need to save receipts from most places because the app saves and organizes my transactions

5 years ago

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Trent Provo, UT

Great site. I like how easy it is to connect all of my accounts in one place. It helps to use budgeting tools like this, and it's free!

8 years ago

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Matt Clark Provo, UT

Mint makes budgeting and tracking your money easy! I love how you can get your credit score with them too!

4 years ago

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Brin Stevens Provo, UT

Best way to keep a budget. Let’s me know if I spend too much, or if there might be fraudulent activity on my account.

5 years ago

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Jaron Thorley Orem, UT

I have been a user of Mint for over 5 years, and have loved being able to categorize my spending and compare over time.

5 years ago

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Dave_ Layton, UT

I like the ability to integrate Mint with your bank to auto download transaction history and help with budgeting.

6 years ago

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Maggie Queen Creek, AZ

Love this app! We use it to track our monthly budget, it’s been very helpful to track our expenses

8 years ago

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JRosa Lehi, UT

I love mint, it has made my finances so much more manageable. Plus it’s free! Definitely worth a try.

8 years ago

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Frances Harmatuk Baltimore, MD

I use Mint to consolidate all my expenses and to see where my money goes every month.

5 years ago

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Tagg Ogden, UT

Mint.com is great at keeping track of my finances and see where I am spending money.

6 years ago

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Spencer Scoville American Fork, UT

So simple to use and so handy when you want to know how much you are spending at certain places.

7 years ago