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Personal Finance · head to head

Charles Schwab vs Mint

Charles Schwab logo

Charles Schwab

Personal Finance

Investing made simple

From
On request
Rated
-
Full reviewWebsite
Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Mint has a free tier, so it costs nothing to try first.
  • Each has a real cost: Charles Schwab broker-assisted trades cost $25 and automated phone trades cost $5 in addition to the standard $0 online commission, per the App Store listing for Schwab Mobile; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • They diverge on capability: Charles Schwab covers Commission-free trading, Mint covers Expense tracking.

Where they differ

Only the attributes on which Charles Schwab and Mint actually diverge.

Attributes where Charles Schwab and Mint differ
AttributeCharles SchwabMint
Starting priceOn requestFree
Pricing modeltransactionfree
Free tierNoYes
Founded19712006

Identical on both: platforms (Web, IOS, Android), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Charles Schwab

  • Commission-free trading
  • Retirement planning
  • Wealth management
  • Research tools
  • Bank accounts
  • Investment accounts
  • IOS support

Only in Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured

Both cover

  • Web support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Charles Schwab

  • Budget Managementnot Mint
  • Expense Trackingnot Mint
  • Investment Trackingnot Mint

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Charles Schwab
  • Users transitioning to Credit Karma for continued money management featuresnot Charles Schwab

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Charles Schwab

  • Broker-assisted trades cost $25 and automated phone trades cost $5 in addition to the standard $0 online commission, per the App Store listing for Schwab Mobile
  • Options trades carry a $0.65 per-contract fee on top of the $0 online commission, per the App Store listing for Schwab Mobile

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

Pricing, plan by plan

Charles Schwab

On request
  • Individual BrokerageFree
    • Commission-free trading
    • Research tools
  • Schwab Advisor Services$undefined/month
    • All Brokerage features
    • Wealth management
    • Personal advisors

Mint

Free

No published plan breakdown. See the Mint review.

Which should you pick?

Choose Charles Schwab if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Charles Schwab review

Choose Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint review

Questions people ask

Is Charles Schwab or Mint better?
Neither clearly leads. Charles Schwab starts at On request and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Charles Schwab or Mint?
Mint has a free tier; the other does not. Paid plans start at On request for Charles Schwab and Free for Mint.
Does Charles Schwab or Mint run on more platforms?
Charles Schwab runs on Web, IOS, Android. Mint runs on Web, iOS, Android.
Can I use Mint for free?
Yes. Mint has a free tier, so you can try it without paying. Charles Schwab starts at On request.
What is Charles Schwab best used for?
Charles Schwab is most often used for budget management, expense tracking, investment tracking. Of those, budget management and expense tracking are not what Mint is typically brought in for.
What can Charles Schwab do that Mint cannot?
Charles Schwab covers Commission-free trading, Retirement planning, Wealth management, Research tools. Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Both handle Web support, Android support.
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