rilio.The best Mint alternative, without the bank login
Mint shut down in 2024 and Credit Karma can't do budgets. Rilio is a private Mint alternative for iPhone & Android — real budgets, no bank login. $4.99/mo.
- 🔒 No bank login, ever
- 🧾 Real monthly budgets
- 🚫 No ads, nothing sold
- 📱 iOS & Android
The best Mint alternative for most people is Rilio — a private, no-bank-login expense tracker for iPhone and Android. Mint shut down on March 23, 2024, and the Credit Karma app it pushed users into can't create monthly category budgets. Rilio brings budgets back without linking a bank: you log a spend in about five seconds by typing, speaking, or pasting a bank text, and AI sorts it. It's $4.99/mo (7-day free trial), with no ads and nothing sold. If you specifically need automatic bank sync, a credit score, or full investment tracking, a full aggregator like Monarch may fit you better.
Mint vs Rilio
| Feature | Mint | Rilio |
|---|---|---|
| Available in 2026 | No — shut down March 2024 | Yes — live on iOS & Android |
| Add an expense | Wait for the bank to sync | ~5 sec — type, say it, or paste a bank text |
| Bank login required | Yes — linked 16,000+ banks | Never asks for it |
| Setup | Link every account first | Install and go — nothing to connect |
| Ads in the app | Yes — even on the home screen | Zero |
| Sells your financial data | Yes — targeted offers & lead-gen | Never |
| Monthly category budgets | Dropped in the Credit Karma move | Built in, front and centre |
| Sync that breaks | A constant complaint | Nothing to break |
| Split bills with friends | Not supported | Built in |
| AI chat | N/A — Mint is discontinued | Yes — built-in AI chat |
| Bulk-import statement | Automatic sync only | Upload a PDF, AI reads months of history |
| Price | Free, but paid for with ads + your data | $4.99/mo · 7-day free trial |
| Works on | Web, iOS, Android (all retired) | iPhone & Android |
Why people are still looking for a Mint replacement
Mint was the default free budgeting app for over a decade. Then Intuit killed it — and the replacement it offered doesn't do the one thing people used Mint for. Here's what's driving the search.
Mint is gone
Intuit shut Mint down on March 23, 2024 after ~17 years, and moved users to Credit Karma. The apps and website were fully retired — there's nothing left to log into.
Credit Karma isn't a budgeting app
Credit Karma is a credit-monitoring and lending product. At migration you couldn't create monthly category budgets or reliably see upcoming bills — the two features people relied on Mint for most.
Your history didn't come with you
Essentially only your login carried over. Transaction history, custom categories, budgets, goals and bill reminders did not migrate, leaving people to start over.
“Free” was never really free
Mint ran on ads — including on the home screen — and monetized your financial data with targeted, commission-earning product offers. For many, the shutdown was the moment that model stopped feeling worth it.
How Rilio is different from Mint
No bank login, ever
Rilio never asks for your bank password. The account-aggregation model that powered Mint is exactly the part that broke connections and monetized your data — Rilio simply doesn't use it.
Nothing sold, no ads
You pay $4.99/mo, so you're the customer — not the product. No ads, no targeted financial offers, and your spending is never sold to advertisers.
Five seconds a day
Log a spend by typing it, speaking it, or pasting your bank's transaction SMS. Rilio's AI categorizes it for you, so you get Mint-style clarity without linking anything.
Real monthly budgets are back
The category budgets Credit Karma dropped are front-and-centre in Rilio: set a monthly limit per category and watch where the money actually goes.
Private by design
No bank credentials to leak, no ad networks in the middle. Just a tool that answers “where did my money go?” and keeps it between you and your phone.
Split with friends, built in
Something Mint never did: Rilio also splits bills and group expenses, so a shared dinner or trip doesn't need a second app.
Ask Rilio like a friend
Rilio's built-in AI chat answers plain-English questions — “How much did I spend on food this month?”, “Am I overspending?” — instantly, something Mint never offered.
Bring your history in one upload
Have a bank or card statement PDF? Upload it and Rilio's AI pulls out every transaction — merchant, amount, category — flags duplicates, and lets you review before importing. Months of history in one go, no bank login required.
Mint's way vs. the Rilio way
The same “where did my money go?” answer — minus the parts that pushed people out.
Getting your spending in
MintLink your bank and wait for it to sync — when the connection doesn't quietly break.
RilioType it, say it, or paste your bank's text. About five seconds, and AI files it for you.
No connections means nothing to re-authenticate, duplicate, or drop.
Your monthly budgets
MintCategory budgets were Mint's star — then the Credit Karma move left them behind.
RilioReal monthly budgets are front and centre: set a limit and watch it fill up live.
It's the exact feature ex-Mint users say they miss the most.
Your privacy
MintMint held logins to 16,000+ banks and turned your data into targeted offers.
RilioNo bank login to leak, nothing sold — your spending stays on your side of the glass.
You get the full picture without trusting anyone with your credentials.
What it really costs
MintFree on the surface, paid for underneath with ads and commissioned product pitches.
RilioA flat $4.99/mo after a 7-day trial. No ads, no upsells — you're the customer, not the product.
A price you can see beats a “free” app that quietly monetised your attention.
Pricing: Mint vs Rilio
Mint's price was $0, but it was paid for with ads on your home screen and with targeted financial offers built on your data — a model Intuit ultimately walked away from. Rilio costs about a coffee a month, and that's the whole deal: no ads, no data sold, no upsells. You can try it free for 7 days first.
How to switch from Mint to Rilio
- 1
Grab any data you still have
Rilio won't directly import a Mint export file, but if you have bank or credit card statement PDFs, upload them and Rilio's AI will pull out months of transactions in one go — a faster way to bring your history along.
- 2
Download Rilio
Install Rilio on iPhone or Android and start the 7-day free trial. No bank login, no long setup.
- 3
Log spends as they happen
Type a spend, say it out loud, or paste your bank's transaction SMS. AI categorizes each one, so it takes about five seconds.
- 4
Set your monthly budgets
Add a limit for the categories you care about — the monthly budgeting Credit Karma dropped — and let Rilio keep the running total for you.
Who should — and shouldn't — pick Rilio
- You want the monthly budgeting Mint had, without linking a bank
- You're privacy-conscious and done handing over bank credentials
- You found Mint's ads and product upsells exhausting
- You want something simple you'll actually keep using
- You occasionally split bills or trips with friends
- You specifically want automatic bank sync and zero manual entry
- A free credit score was the main reason you used Mint
- You need full investment, loan and net-worth aggregation
Mint alternative — FAQ
Is Rilio the right Mint alternative for you?
If you loved Mint for its monthly budgets and clear spending picture — but never loved the ads, the data monetization, or handing over your bank login — Rilio is the closest thing to what you actually wanted. It brings budgets back, keeps everything private, and takes about five seconds a day. If your priority is automatic bank sync, a credit score, or investment tracking, choose a full aggregator instead. For everyone else, Rilio is the Mint alternative worth trying first.
Know where your money actually goes
The private, no-bank-login expense tracker. Log a spend in five seconds; the AI does the rest.
7-day free trial · No bank login, ever · On iOS & Android
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Last reviewed 2026-07-07. Competitor pricing and availability can change — verify on the provider's site.