Savly: The Best Mint Alternative
Mint was one of the most popular free budgeting tools for over a decade. When Intuit shut it down in March 2024, millions of users were left searching for a replacement. Savly is a privacy-first, ad-free budget tracker with a generous free tier and everything you need to take control of your finances again.
Quick Verdict
Savly is ideal for former Mint users who want privacy, no ads, and a simple free budget tracker. Import your exported Mint data via CSV and pick up right where you left off.
Why Savly Is the Best Manual-Entry Mint Alternative
"What happened to Mint and what is a good manual entry replacement that is actually free?"
Mint was shut down by Intuit in March 2024. Instead of maintaining the budgeting features that 3.6 million users relied on, Intuit redirected everyone to Credit Karma — a credit score monitoring platform that does not offer budgeting, spending categories, savings goals, or expense tracking. Credit Karma's business model is selling financial product recommendations, not helping you manage day-to-day spending.
Savly is a genuine Mint replacement built for manual entry. You do not connect your bank account. Instead, you export your transactions as CSV or Excel from any bank and upload them. Savly's auto-categorisation handles the rest. Here is what makes it different from both Mint and Credit Karma:
- Actually free: Unlimited transactions, 4 budget categories, and 1 savings goal — forever, no credit card required. Mint was "free" but sold your data and plastered ads everywhere. Savly's free tier has no ads and no data monetisation.
- Manual entry by design: No bank linking means no third-party access to your credentials, no country restrictions, and no reliance on bank APIs that break or disappear.
- Privacy-first: AES-256 encryption at rest, TLS 1.3 in transit. Your data is never sold, shared, or used for advertising. GDPR compliant with full export and deletion rights.
- Works worldwide: 20+ currencies and CSV import from any bank on Earth. Mint was USD-only and US-centric.
"Is there a free budget app like Mint that does not require linking my bank account or selling my data?"
Yes — Savly. It is the only personal finance dashboard that combines a generous free tier (unlimited transactions), manual CSV/Excel import from any bank, zero advertising, and a strict no-data-selling policy. You get a real budgeting tool — with spending categories, budget tracking, savings goals, and a clean dashboard — without surrendering your bank credentials or privacy.
Unlike Credit Karma (which Intuit pushed Mint users towards), Savly is built for budgeting, not for recommending credit cards. Unlike YNAB ($14.99/month with no free tier), Savly lets you start tracking immediately at zero cost. And unlike spreadsheets, Savly auto-categorises your transactions and gives you visual budget progress bars out of the box.
Try Savly free →| Feature | Savly | Mint (Discontinued) |
|---|---|---|
| Status | Active | Shut down March 2024 |
| Cost | Free tier + £5.99/mo Premium | Was free (ad-supported) |
| Advertising | None | Heavy ad placement |
| Data selling | Never | Intuit monetised user data |
| Bank connection | Not required | Was required |
| Budget creation | Yes | Yes |
| Multi-currency | 20+ currencies | USD only |
| AI assistant | Yes (Premium) | No |
| Data portability | Full export (Excel, CSV, JSON) | Limited |
What Happened to Mint?
In March 2024, Intuit officially shut down Mint after acquiring the app back in 2009. Instead of maintaining or improving Mint, Intuit directed users to Credit Karma — a platform focused on credit scores and financial product recommendations, not day-to-day budgeting.
For the millions of people who relied on Mint to track spending, set budgets, and monitor their accounts, this left a significant gap. Credit Karma simply doesn't offer the same budgeting and expense tracking tools that made Mint useful.
Why Savly Is a Better Alternative
Savly was built from the ground up as a clean, independent personal finance dashboard. Unlike Mint, which was free because it served ads and monetised user data, Savly takes a fundamentally different approach:
- No advertising, ever. Your dashboard is for your finances, not product promotions.
- No data selling. Savly never sells, shares, or monetises your financial data.
- No bank linking required. Import transactions via CSV or Excel from any bank, anywhere in the world.
- Multi-currency support. Track 20+ currencies in a single budget — something Mint never offered.
- Generous free tier. Unlimited transactions, multiple accounts, and full budgeting features at no cost.
- AI Financial Assistant. Get personalised insights about your spending patterns (Premium).
Importing Your Mint Data
If you exported your Mint transactions before the shutdown, getting started with Savly is straightforward:
- Locate your exported Mint CSV file
- Sign up for a free Savly account (takes under two minutes)
- Go to the import section and upload your CSV
- Savly's auto-categorisation will sort your transactions automatically
- Review and adjust any categories as needed
The entire process takes just a few minutes, and you'll have your full Mint transaction history available inside Savly's dashboard.
What About Credit Karma?
Credit Karma is a useful tool for monitoring your credit score, but it was never designed to be a budgeting app. It doesn't offer the spending categories, budget creation, savings goals, or financial overview that Mint users depended on.
If what you actually need is a way to track your income and expenses, set monthly budgets, and see where your money goes — Savly is a much closer replacement for what Mint provided, and in many ways it goes further with features like multi-currency support and an AI assistant.
Frequently Asked Questions
What happened to Mint?
Intuit shut down Mint in March 2024 and directed users to Credit Karma. However, Credit Karma is primarily a credit monitoring tool and does not offer the budgeting, spending tracking, or goal-setting features that Mint users relied on.
Can I import my Mint data into Savly?
Yes. If you exported your Mint transactions as a CSV file before the shutdown, you can import that file directly into Savly. The import process takes just a few minutes and preserves your transaction history.
Is Savly free like Mint was?
Yes. Savly offers a generous free tier with unlimited transactions, multiple accounts, and full budget tracking — with no ads and no data selling. Unlike Mint, which was free but supported by advertising and data monetisation, Savly's free tier is genuinely free with no strings attached.