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Personal Finance · head to head

Mint vs Simplifi

Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite
Simplifi logo

Simplifi

Personal Finance

Smart budgeting and spending tracker

From
$3.99/month
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; Simplifi there is no free tier at all
  • They diverge on capability: Mint covers Expense tracking, Simplifi covers Budget tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Mint and Simplifi actually diverge.

Attributes where Mint and Simplifi differ
AttributeMintSimplifi
Starting priceFree$3.99/month
Pricing modelfreesubscription
Free tierYesNo
Founded20062020

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 Mint

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

Only in Simplifi

  • Budget tracking
  • Spending analysis
  • Goal tracking
  • Cash flow insights
  • Bank accounts
  • Credit cards
  • IOS support

Both cover

  • Web support
  • 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 Simplifi
  • Users transitioning to Credit Karma for continued money management featuresnot Simplifi

Simplifi

  • Personal budgeting with automatic bank transaction importnot Mint
  • Tracking spending, savings goals and net worth in one placenot 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

Simplifi

  • There is no free tier at all
  • The advertised $3.99 a month requires annual billing, against $6.99 paying monthly
  • The subscription auto renews yearly at the then current price, which the terms state is subject to change rather than fixed

Pricing, plan by plan

Mint

Free

No published plan breakdown. See the Mint review.

Simplifi

$3.99/month
  • Annual$3.99/month
    • Financial aggregation across 14,000+ institutions
    • Spending plan and budgeting tools
    • Savings goals tracking
  • Monthly$6.99/month
    • Financial aggregation across 14,000+ institutions
    • Spending plan and budgeting tools
    • Savings goals tracking

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 Simplifi if

  • You need budget tracking.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Simplifi review

Questions people ask

Is Mint or Simplifi better?
Neither clearly leads. Mint starts at Free and Simplifi at $3.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mint or Simplifi?
Mint has a free tier; the other does not. Paid plans start at Free for Mint and $3.99/month for Simplifi.
Does Mint or Simplifi run on more platforms?
Mint runs on Web, iOS, Android. Simplifi runs on Web, IOS, Android.
Can I use Mint for free?
Yes. Mint has a free tier, so you can try it without paying. Simplifi starts at $3.99/month.
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 Simplifi is typically brought in for.
What can Mint do that Simplifi cannot?
Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Simplifi covers Budget tracking, Spending analysis, Goal tracking, Cash flow insights. Both handle Web support, Android support.

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
Simplifi: How much does Quicken Simplifi cost?

Quicken Simplifi costs $3.99 per month when billed annually, or $6.99 per month if billed monthly. The annual plan provides a 43% discount compared to monthly billing.

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
Simplifi: Does Quicken Simplifi offer a free trial?

No free trial is mentioned on the Quicken Simplifi pricing page. The service operates as a cloud-based subscription requiring payment to access personal finance management features including budgeting, spending tracking, and investment portfolio management.

Source
Simplifi: What payment options are available for Simplifi?

Simplifi requires annual or monthly billing at checkout with automatic renewal. Cancellation is permitted before renewal without penalty.

Source
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