Mint shut down. Here's a free alternative for your subscriptions.
Intuit closed Mint and sent everyone to Credit Karma — which quietly dropped budgeting and subscription tracking. Skycopia picks up the part most people miss: it audits every recurring charge for free, hands you the cancel steps, and guards each cancellation so a merchant can't re-bill you. No ads on your data, no credit-card offers.
Skycopia vs Mint (and Credit Karma)
| 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 | 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 | Single-user focused |
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.
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.
FAQ
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.
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.
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.
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.
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.
The founder's own audit flagged $19,207/yr — real numbers, July 2026. Yours will vary; that's the point.
Run your free audit