Intuit killed Mint. Harbor Money never asked for your bank login anyway.
Mint shut down on March 23, 2024. Intuit pushed its users toward Credit Karma — which can sync accounts but can't build a budget, track goals, or categorize spending. Harbor Money actually replaces what Mint did, and it's free during beta.
Credit Karma can sync accounts. It can't budget.
Intuit didn't replace Mint's budgeting tools — it retired them. Here's what Harbor Money actually does instead.
Forward your bank's emails
No Plaid, no MX, no aggregator holding your bank credentials. Forward your bank's transaction alert emails to a private Harbor Money address and we parse them.
AI-assisted categorization
Optional AI parsing assist auto-categorizes and tags spending — the thing Mint did well and Credit Karma doesn't do at all. Toggle it off anytime.
Goals & recurring bills
Set savings goals, track recurring bills, and reconcile your accounts — the budgeting layer Credit Karma simply doesn't have.
Statement upload fallback
Missed a transaction? Upload a bank statement and Harbor Money catches anything the email parser missed.
Passkey sign-in
Sign in with Face ID or a security key. No password to leak, no password to reuse from your bank account.
Chase, Capital One, Amex & more
If your bank emails you transaction alerts, Harbor Money can read them. No integration list to check first.
Ad-supported budgeting apps eventually get shut down.
Mint was free because Intuit sold ads and financial-product recommendations against your spending data. When that stopped being worth the engineering cost, Mint was retired — not sold, not spun off, just turned off with a few months' notice.
Harbor Money doesn't sell ads or financial-product leads. It's free during beta while we figure out a straightforward paid plan later — not a business model that requires selling out its users to survive.
- No bank credentials required, ever
- No ad-supported business model
- Rotate your inbound parsing address anytime
- Built and run by one operator in Massachusetts
Mint is gone. Here's what's actually still standing.
An honest look at what replaced Mint, and what didn't.
| Feature | Harbor Money | Mint → Credit Karma |
|---|---|---|
| Status | Active, in beta | Mint discontinued Mar 2024 |
| Budget & goal tracking | Yes | Not in Credit Karma |
| Bank connection method | Forwarded emails only | Direct account linking |
| Business model | Free during beta | Ad & lead-supported |
| Owned by | Solo operator, MA | Intuit |
Mint isn't coming back.
Harbor Money is already here.
Free during beta. No bank credentials, ever. Forward your first transaction email and see it parsed in seconds.