Mint shut down. Here's a free alternative for your subscriptions.
Skycopia is a free Mint alternative for subscription tracking — it audits every recurring charge on your bank, gives you the cancel steps, and protects you from re-bills. Unlike Credit Karma, it never runs credit-card or loan offers against your data.
☁️Hi, I'm Sky. Mint stopped watching your subscriptions — I didn't.
Free audit · Takes about a minute · Read-only bank access via Plaid · No credit card
Real numbers from one user's own account, July 2026 — yours will vary.
- CookUnity↑ 62%☁️ They raised the price and hoped you wouldn't notice.$449/moCancel
- Pacific Gas & Electric↑ 181%☁️ Nearly tripled. Worth a plan review.$330/moReview
- Ritual✨ new☁️ Love it or lose it before it becomes furniture.$268/moCancel
Here's what the audit finds
A sample household's audit — demo data, not a real account. It flagged $2,159/yr in likely waste across unused apps, price hikes, and overlapping services:
- Peloton Appunused 4 mo$528/yr
- LinkedIn Premiumunused 5 mo$480/yr
- Planet Fitnessunused 3 mo$300/yr
- Audibleunused$179/yr
- Netflix Premiumprice ↑ 15%$276/yr
- The New York Timesprice ↑ 21%$204/yr
- HBO Maxoverlaps Disney+$192/yr
That's just 7 example line items — a full audit covers everything: one user's own real audit flagged $19,207/yr across 62 recurring charges, July 2026. Yours will vary; that's the point.
Skip the extra step — sign up right here
No separate signup page — create your account below and go straight to your audit.
Free audit · No credit card
One sample audit flagged $2,159/yr — see yours in about a minute.
Connect your bank read-only and get your own free audit — no credit card needed.
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Free audit · Takes about a minute · No credit card
Run your free auditDo you need a full budgeting app, or just subscription control?
Run the free audit and one of two things happens. Either it turns out you mainly wanted to see everything and cancel a few dead subscriptions — done, no budgeting app needed — or you discover you miss Mint's full envelope budgeting, net-worth tracking, and investment dashboards. That second job is what a dedicated budgeting app (YNAB, Monarch, Quicken Simplifi, and others) is built for, and Skycopia deliberately doesn't try to replicate it.
Either way, the audit costs nothing and takes about a minute: connect your bank read-only, get every recurring charge surfaced with a cancel playbook, and have each cancellation guarded so a merchant can't quietly re-bill you months later. You lose nothing by doing this step first.
Skycopia vs Mint (and Credit Karma)
Mint shut down in 2024; Credit Karma inherited some of it, but not the day-to-day thing most people used Mint for — seeing every recurring charge in one place.
| Feature | Skycopia | Mint / Credit Karma |
|---|---|---|
| Still running in 2026 | Yes | No — Mint shut down; Intuit moved users to Credit Karma |
| Free to use | Yes — full audit, no card | Mint was free; Credit Karma is free |
| Finds recurring charges from your bank | Yes (Plaid, read-only) | Mint did; Credit Karma dropped dedicated subscription tracking |
| Budgets & categories | Spending view focused on recurring charges | Mint had full budgets; Credit Karma is lighter |
| Cancellation guidance | Step-by-step playbook for each service | Not a Mint feature |
| Re-charge protection | Alerts if a cancelled service bills you again (Pro) | Not a Mint feature |
| Ads & credit-card offers on your data | None — you're not the product | Mint and Credit Karma monetize with financial-product offers |
| Shared household / couples | Yes — attributed decisions (Pro) | Single-user focused |
| Free credit score & report monitoring | Not a Skycopia feature | Yes — Credit Karma's core product: free credit scores, reports, and monitoring |
| Pricing | Free audit; Pro from $15/mo | Mint was free; Credit Karma is free |
Mint and Credit Karma details reflect their publicly documented state as of mid-2026 and may change. Mint and Credit Karma are trademarks of Intuit; Skycopia is not affiliated with them.
Where users say the migration falls short
“Credit Karma is NOT a good alternative to Mint – the budgeting features are just too basic and nothing close to what Mint offers”
— Best Wallet Hacks ↗A real user report from a public review, not a finding of wrongdoing.
What you lost when Mint closed
The migration to Credit Karma kept some account and credit monitoring, but the day-to-day thing many people relied on Mint for — seeing every recurring charge in one place — didn't come with it. That's the gap that leaves you paying for subscriptions you forgot you had.
Skycopia fills exactly that gap: connect your bank read-only, get every recurring charge surfaced with a one-tap cancel playbook, and have each cancellation guarded so a merchant can't quietly bill you again months later. It won't replace full budgeting — but for the subscription side of what Mint did, it's free and purpose-built.
More free subscription tools
Subscription calculator
Add up what your whole stack really costs.
👯Duplicate checker
Find out if you're paying twice for the same thing.
🔍Find your subscriptions
See every recurring charge hiding in your bank history.
✂️Cancellation guides
Step-by-step cancel steps for 566+ services.
⚖️Compare all alternatives
See Skycopia vs 5 budgeting apps, side by side.
🚀Rocket Money alternative
Also weighing Rocket Money? See that comparison too.
Up and running in minutes
No accountant required.
Connect your bank
Read-only via Plaid, two minutes — Skycopia pulls up to 24 months of history. Or start with a CSV upload, free.
Rule on your audit deck
Sky lines up every charge that looks off, one at a time, receipts included. Cancel, review, or monitor — the whole deck takes minutes.
Sky stands guard
Follow the cancel playbook, then Protection watches forever — zombie rebills, price hikes, and re-charges get flagged within a day.
That's the whole process — ready to see your own audit?
Run your free auditFAQ
What happened to Mint?
Intuit discontinued Mint and shut it down in early 2024, directing users to Credit Karma (which Intuit also owns). Credit Karma carried over some account monitoring but not Mint's budgeting or dedicated subscription tracking, which is why many former Mint users are still looking for a real replacement.
What's the best free alternative to Mint?
It depends what you used Mint for. If you mainly want to see and control recurring charges, Skycopia runs a full subscription audit for free — connect your bank read-only through Plaid and it surfaces every subscription, forgotten trial, duplicate, and price hike, then gives you the exact cancel steps for each. If you want full envelope-style budgeting, a dedicated budgeting app will fit better; see the honest note below.
Where is a full budgeting app the better choice?
If what you miss most about Mint is envelope budgeting, net-worth tracking, and investment dashboards all in one place, a dedicated budgeting app (YNAB, Monarch, Quicken Simplifi, and others) will serve that better than Skycopia. Skycopia deliberately stays focused on subscriptions and recurring spend rather than replicating Mint's full feature set.
How is Skycopia different from Mint?
Skycopia is focused, not a full personal-finance suite. Where Mint tried to do budgets, bills, credit scores and investments, Skycopia does one thing well: find every recurring charge, help you cancel the dead weight, and guard each cancellation so a merchant can't quietly re-bill you. It also never runs credit-card or loan offers against your data.
How much does Skycopia cost?
The audit is free — connect your bank and see everything Skycopia finds, no credit card. Pro ($15/month) adds Protection guarding, refund tracking, and the shared household. Insider ($25/month) unlocks everything in beta, including Sky AI chat. See the full plan comparison for what's included at each tier.
Is Skycopia safe to connect to my bank?
Bank access is read-only through Plaid — the same connection used by apps like Venmo and Robinhood. Skycopia can see transactions to find subscriptions; it can't move money. Your transactions are never used to train AI, and there are no advertising or credit-offer partners looking at your data.
See what you're paying for — free
Connect your bank read-only and Skycopia finds every subscription, forgotten trial, and price hike, with the cancel steps for each. No card, no ads on your data.
One user's own audit flagged $19,207/yr — real numbers, July 2026. Yours will vary; that's the point.
Run your free auditRead-only bank access · No credit card required