Coming from Mint

A Mint alternative that works with any bank

Mint closed on 23 March 2024, and most of what replaced it works the same way Mint did: it connects to your bank through a data aggregator. State of My Money takes a different route — you import a CSV your bank exports, so your login stays yours and there is nothing to reconnect.

Open the app See how it works

The two ways to replace Mint

Nearly every Mint replacement is a bank-linking app. That works well until your bank is not covered, or a connection breaks, or you would rather not hand a third party a token to your accounts.

  Bank-linking replacements State of My Money
How transactions arrive An aggregator connects to your bank for you You import a CSV your bank exports
Your bank login Shared with the aggregator Never leaves your bank
Which banks work Only those the aggregator supports, country by country Any bank that can export a CSV
When your bank changes something Re-authorise the connection, repeatedly Nothing to break
Where your data lives On the provider's servers On your own device
How far back your history goes As far as the connection has held As far back as your statements go

What you get instead

The things Mint was never very good at, done properly.

Transfers that do not distort your spending

Moving money between your own accounts is matched as a transfer and kept out of your spending totals, so a credit card payment stops looking like a purchase.

Split transactions

Break one receipt across several categories with exact amounts, and have future imports remember what you decided.

Categories that improve

Over 130 categories to start from, and merchant matching that sees past store numbers so the same shop keeps landing in the same place.

Reports you can act on

Spending and income by category, monthly cash flow and savings rate, with drill-down to the transactions behind any figure.

PDF export

Turn any report into a document you can keep, print or hand to someone else.

Your data, portable

Back up your whole ledger to a file and restore it on another device. No request to support, no export queue.

Moving over from Mint

You do not need anything from Mint to get started. Your banks are the better source anyway.

Use your Mint export if you still have it

If you downloaded your Mint data before it closed, keep that export. It is a useful record, and its transactions can be imported like any other CSV.

Pull statements from each bank

Export a CSV per account. Banks usually let you choose a date range, so you can go back a year or more in a couple of files.

Import and tidy up

Columns are detected automatically and the mapping is saved for that bank. Rebuild the categories that matter to you; the rest can wait until they show up.

When this is the wrong choice

If what you actually want is transactions appearing in an app without you doing anything, a bank-linking app is the honest answer, and there are several good ones. They need your bank login and an aggregator to do it.

State of My Money is for the case where that trade is not acceptable: a bank that is not supported, a country the aggregators skip, or simply not wanting a third party holding a token to your accounts.

Questions

Does it connect to my bank?

No. There is no bank connection and no aggregator. You import a CSV that your bank exports, which is why your login never has to leave your bank.

Which banks are supported?

Any bank that can export transactions as a CSV. There is no supported-institution list and no country restriction, which is the main reason the import route exists at all.

Where is my data stored?

In a database on your own device, in your browser. The app makes no calls to a State of My Money server, so your transactions never reach us.

Can I import years of history?

Yes. Import one file per account per period and the ledger keeps it all in order. Reports can then cover any range you have imported.

What happens to my credit card payments?

A payment from your chequing account to your credit card is matched as a transfer between two of your own accounts, so it is excluded from spending on both sides instead of counting twice.

Do I need an account to use it?

No. There is nothing to sign up for and no password to remember. Open the app and your data is already there.