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Personal Finance · head to head

Mint vs RazorpayX

Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite
RazorpayX logo

RazorpayX

Accounting

Indian all-in-one business banking suite for payouts, current accounts and payroll

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; RazorpayX pricing is not shown as a single table; the vendor states subscription fees vary by product and usage type and directs buyers to check each product page individually rather than one price list

Where they differ

Only the attributes on which Mint and RazorpayX actually diverge.

Attributes where Mint and RazorpayX differ
AttributeMintRazorpayX
Starting priceFreeOn request
Pricing modelfreeusage-based
Free tierYesNo
PlatformsWeb, iOS, AndroidWeb
CategoryPersonal FinanceAccounting
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 RazorpayX

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

RazorpayX

  • Auto-filing payroll taxes across 28 states with ESIC integrationnot Mint
  • Processing bulk vendor payments with integrated approval workflowsnot Mint
  • Issuing corporate cards for employee expense managementnot Mint
  • Disbursing loans in 10 seconds for lending platformsnot Mint
  • Reducing COD refund processing from days to under 2 hoursnot 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

RazorpayX

  • Pricing is not shown as a single table; the vendor states subscription fees vary by product and usage type and directs buyers to check each product page individually rather than one price list
  • Only basic features are free; usage-based subscription fees apply on top for the payouts, payroll and card products, without a headline figure on the main page

Pricing, plan by plan

Mint

Free

No published plan breakdown. See the Mint review.

RazorpayX

On request

No published plan breakdown. See the RazorpayX 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 RazorpayX if

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

RazorpayX review

Questions people ask

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

Answered from the vendors’ own pages

Mint: Is Mint still actively sold?

Mint has been reimagined on Credit Karma. The Mint website now directs users to check out the new platform on Credit Karma's net worth signup page rather than maintaining a standalone product.

Source
RazorpayX: What is RazorpayX's pricing model?

RazorpayX operates on a freemium model where basic features are free but subscription-based fees apply depending on the specific product and usage type.

Source
Mint: What pricing information is available on the Mint homepage?

The Mint page does not disclose pricing details. For current pricing information, users should visit Credit Karma's website or contact support directly.

Source
RazorpayX: How much does RazorpayX cost?

Specific RazorpayX pricing is not disclosed on the public website. Individual product pricing varies. Users must visit the main Pricing page or contact sales for rates.

Source
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