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Mint vs Moneydance

Mint logo

Mint

Software

All your money in one app

From
Free
Rated
-
Full reviewWebsite
Moneydance logo

Moneydance

Software

Cross-platform personal finance management

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Mint has a free tier, so it costs nothing to try first.
  • Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; Moneydance the free trial is limited to 100 manually entered transactions
  • They diverge on capability: Mint covers Expense tracking, Moneydance covers Investment monitoring.

Where they differ

Only the attributes on which Mint and Moneydance actually diverge.

Attributes where Mint and Moneydance differ
AttributeMintMoneydance
Starting priceFreeOn request
Pricing modelfreeone-time
Free tierYesNo
PlatformsWeb, iOS, AndroidWindows, Mac, Linux, IOS, Android
Founded20062001

Identical on both: user rating (Not yet rated), category (Unknown).

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 Mint

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

Only in Moneydance

  • Investment monitoring
  • Budget tracking
  • Financial forecasting
  • Bank accounts
  • Investment accounts
  • OFX import
  • Windows support
  • Mac support

Both cover

  • Bill tracking
  • Android support

What people use each for

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

Mint

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

Moneydance

  • Desktop personal finance management on macOS, Windows and Linuxnot Mint
  • Importing and reconciling bank and credit card transactions locallynot Mint
  • Tracking investments and budgets without a cloud-only servicenot Mint

Where each one falls short

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

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

Moneydance

  • The free trial is limited to 100 manually entered transactions
  • A one-time Buy Once purchase covers Moneydance 2024 plus one free upgrade to the next major release, not all future versions
  • Bank connection features are sold separately as the Moneydance Plus subscription rather than included in the one-time purchase
  • Business use requires one licence per computer, while the household licence covers personal use only

Pricing, plan by plan

Mint

Free

No published plan breakdown. See the Mint review.

Moneydance

On request
  • Perpetual License$59.99/month
    • Full feature set
    • Free updates

Which should you pick?

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

Choose Moneydance if

  • You need investment monitoring.
  • You work on Windows, Mac, Linux, IOS, Android.
  • You also want budget tracking.
Moneydance review

Questions people ask

Is Mint or Moneydance better?
Neither clearly leads. Mint starts at Free and Moneydance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mint or Moneydance?
Mint has a free tier; the other does not. Paid plans start at Free for Mint and On request for Moneydance.
Does Mint or Moneydance run on more platforms?
Mint runs on Web, iOS, Android. Moneydance runs on Windows, Mac, Linux, IOS, Android.
Can I use Mint for free?
Yes. Mint has a free tier, so you can try it without paying. Moneydance starts at On request.
What is Mint best used for?
Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Moneydance is typically brought in for.
What can Mint do that Moneydance cannot?
Mint covers Expense tracking, Budgets, Credit score monitoring, Financial insights. Moneydance covers Investment monitoring, Budget tracking, Financial forecasting, Bank accounts. Both handle Bill tracking, Android support.
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