Cashy vs Mint (2026): The Honest Successor
Mint shut down. Cashy is the modern, private replacement for iPhone.
Mint officially shut down in early 2024 and millions of users are still looking for a real replacement. Intuit pushed people toward Credit Karma — which is not a finance app, it is a credit score app with ads.
Cashy is built for the kind of person who used Mint for clarity, not for ads. Free tier, AI voice entry, no bank linking, and your data never leaves your phone.
Feature-by-feature comparison
| Feature | Cashy | Mint |
|---|---|---|
| Status | Active and growing | Shut down (Nov 2023) |
| Price | Free or $30/yr / $60 lifetime | Was free (ad-supported) |
| Business model | Premium subscription | Ads + targeted offers |
| Bank linking | Not required (manual + AI) | Required (auto-sync) |
| Privacy | On-device, no data sold | Data used for ad targeting |
| AI voice entry | Yes — 3 seconds | No |
| Receipt scanning | Yes — Gemini AI | No |
| Net worth tracking | Yes — manual accounts | Yes — auto-synced |
| Subscription tracker | Built-in, no upsell | Basic |
| iPhone-native experience | Excellent (built for iOS 26) | Average |
| Multi-currency | 150+ currencies | USD-focused |
The honest verdict
There is no like-for-like replacement for Mint, because Mint was free, ad-supported, and bank-linked. The closest paid replacement is Monarch. The closest free, private replacement is Cashy.
If you used Mint mainly to see your spending in one place and catch overspending — Cashy will do that better, faster, and without selling your data. The trade-off is no automatic bank sync. With voice entry that takes 3 seconds, most former Mint users find they do not miss it.
Former Mint users who want privacy, speed, and no ads
Nobody — Mint is no longer available
Common questions
Is Mint really shut down?
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Yes. Intuit officially shut down Mint in early 2024 and migrated users to Credit Karma, which is a credit score app, not a personal finance tracker.
What is the best free Mint alternative in 2026?
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For iPhone users, Cashy is the best free Mint alternative — privacy-first, AI-powered, no bank linking required. For households who want auto bank sync, Monarch Money is the closest paid replacement.
Can Cashy import my Mint data?
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You can manually add your accounts, balances, and recurring transactions to Cashy. Mint did not provide a clean export of historical data, so most users start fresh.
Does Cashy show all my accounts in one place like Mint did?
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Yes. You can add unlimited accounts (checking, savings, credit cards, cash, investments) and see them on a single dashboard with custom widgets.
Is Cashy really private?
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Yes. All your financial data is stored locally on your iPhone in an encrypted SQLite database. We do not collect, sell, or share your data — ever.