Softwr

Personal Finance · head to head

Mint vs Razorpay

Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite
R

Razorpay

E-commerce

Accept, process and disburse payments with India's leading payments platform

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; Razorpay international card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee

Where they differ

Only the attributes on which Mint and Razorpay actually diverge.

Attributes where Mint and Razorpay differ
AttributeMintRazorpay
Starting priceFreeOn request
Pricing modelfreetransaction
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb
CategoryPersonal FinanceE-commerce
Founded2006Unknown

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

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

Only in Razorpay

Nothing recorded that Mint does not also cover.

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 Razorpay
  • Users transitioning to Credit Karma for continued money management featuresnot Razorpay

Razorpay

No use cases recorded yet. See the Razorpay review.

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

Razorpay

  • International card payments cost up to 3% per transaction versus 2% domestically, per razorpay.com/pricing (Aug 2026), and an 18% GST is added on top of the platform fee
  • Instant refunds cost between Rs. 7.99 and Rs. 14.99 per refund on top of the transaction fee, per Razorpay's own pricing page; standard refunds are free but instant ones are not

Pricing, plan by plan

Mint

Free

No published plan breakdown. See the Mint review.

Razorpay

On request

No published plan breakdown. See the Razorpay review.

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 Razorpay if

Nothing in the data separates Razorpay from Mint on the points above - pick on price and on how each one feels to use.

Razorpay review

Questions people ask

Is Mint or Razorpay better?
Neither clearly leads. Mint starts at Free and Razorpay at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mint or Razorpay?
Mint has a free tier; the other does not. Paid plans start at Free for Mint and On request for Razorpay.
Does Mint or Razorpay run on more platforms?
Mint runs on Web, iOS, Android. Razorpay runs on Web.
Can I use Mint for free?
Yes. Mint has a free tier, so you can try it without paying. Razorpay 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 Razorpay is typically brought in for.
What can Mint do that Razorpay cannot?
Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring.
ShareXLinkedInRedditWhatsAppEmail

Related pages

More on Mint

More on Razorpay

Keep looking

Other head to heads