If you're reading this, there's a reasonable chance you opened Mint one morning in early 2024, saw the shutdown notice, exported a CSV you've never opened since, and have been muddling along on bank apps and a mental tally ever since. You're not alone. Mint had about 25 million users when Intuit pulled the plug; a few thousand of them were Kiwis. None of us got a tidy migration path.
Two years on, the question we get most often from people who used to use Mint is short: what should I use now? This piece is the honest answer. It's short on purpose; you've already spent enough time on this.
TL;DR
- Mint shut down on 23 March 2024. It is not coming back. Your old data is gone unless you exported it.
- The US replacements most often suggested (Rocket Money, Monarch, Copilot) don't work properly in NZ. No NZ bank feeds. You'll end up on a CSV upload.
- The NZ-built options are SortMe, PocketSmith, and MyBudgetPal.
- For a Mint-like experience — all your accounts in one place, automatic categorisation, alerts on weird spending — SortMe is the closest fit.
- If you want forecasting depth and you have a Sunday afternoon, PocketSmith.
- If you want free, MyBudgetPal (Booster-backed) is the place to start.
Why Mint shut down
Intuit's official line was that Mint was being "merged into Credit Karma" to focus the product on credit health. The real story, by Intuit's own subsequent comments, was that Mint had never made money. It was a free product, monetised by credit-card and loan offers that increasingly didn't land. Intuit kept it alive for years because killing it would generate bad press; eventually the maths won.
What that means for you, the user: there was nothing wrong with Mint as a product. The category is healthy. The replacement question is purely about finding a tool that does the same job for a Kiwi.
Charlotte Barraclough, Chief Customer Officer at SortMe, says: "About one in eight customers who sign up to SortMe in 2026 still mention Mint by name in the onboarding survey. Two years after shutdown, that's a long shadow — and it tells us the underlying need Mint was meeting hasn't been replaced for a lot of Kiwi households."
Why the obvious US replacements don't work in NZ
When Mint died, Reddit and Product Hunt filled up with switch guides. They all pointed at the same three apps: Rocket Money, Monarch Money, and Copilot.
None of these have NZ bank connections. None of them treat KiwiSaver as a real account. Pricing is in USD. Support is US-business-hours. If you try them, you'll spend a week wrestling with manual CSV uploads and then quietly stop.
This is not because they're bad apps. Rocket Money, in particular, has a great subscription-audit feature. They're just built for a market where every household has one Chase chequing account and a Capital One credit card. That isn't the shape of money in New Zealand. The average Kiwi household we see has accounts at two or three banks, a KiwiSaver, often a mortgage and an offset facility, sometimes a rental, and credit cards from a different bank than the chequing. None of that fits inside Rocket Money's data model.
What to use in NZ
There are three serious options. Pick based on what you valued in Mint.
If you valued Mint's "everything in one place" view — your bank accounts, credit cards, investments, net worth, with alerts when something weird hit the card — go with SortMe. SortMe connects every major NZ bank, treats KiwiSaver as a first-class account with live balances, tracks property values as part of your net worth, and uses AI to categorise around 98% of transactions without you tagging anything. There's a household view so you and a partner can each have your own login but share the bigger picture. $1 for a 7-day trial; cancel anytime.
If you valued Mint's reports and you want more forecasting depth — what happens if I overpay the mortgage by $200/wk, how much will I have in three years if I keep saving at this rate — go with PocketSmith. NZ-built since 2008, very strong on forecasting, steepest learning curve in the category. NZD $14.99–$24.99/mo depending on plan.
If you valued Mint's "it was free" — start with MyBudgetPal, which is backed by Booster and free. It won't replicate everything Mint did, but it covers the budgeting basics for NZ banks with no cost. Upgrade when you outgrow it.
For everyone we talk to who used Mint, the closest in spirit is SortMe. The reasons are practical: like Mint, it pulls everything into one view automatically, categorises in the background, and surfaces the weird stuff. Unlike Mint, it does this with NZ banks and NZ KiwiSaver in NZD, made by a NZ team.
How to migrate, in practical terms
If you exported a Mint CSV before 23 March 2024, hold onto it — it's not strictly needed to start fresh, but it's useful if you want historical comparisons later. Both SortMe and PocketSmith can import CSV data; MyBudgetPal does not.
The cleaner approach is to start fresh. Connect your bank accounts to the new app, give it a month to learn your categorisation pattern, and treat the first month as setup. Trying to recreate every historical Mint category in the new app is a rabbit hole; resist.
A reasonable migration weekend:
- Saturday morning, 30 min. Pick the app. If you're not sure, start a SortMe $1 trial and a PocketSmith free trial in parallel.
- Saturday afternoon, 1 hr. Connect your banks. Walk through the auto-suggested categories; correct anything obviously wrong. Don't try to be perfect — both apps learn.
- Sunday morning, 30 min. Set up one or two budget categories for the spending you want to keep an eye on — usually groceries, eating out, and the household discretionary line.
- The following weekend, 15 min. Check the categorisation. By this point an app should be at 85–95% auto-categorised. If it isn't, switch to the other trial.
You're done. The setup work for a new personal-finance app is a few hours over two weekends, not the multi-day project people remember it being.
What you'll miss, and what you'll get back
You'll miss the Mint-specific UI rhythms you got used to over the years, the credit-score widget, and the specific shape of the monthly email. You'll also miss the brand familiarity — Mint had been around for 16 years.
You'll get back support that responds in your time zone, KiwiSaver as a real account, pricing in dollars you earn, and a tool that's been built for the way Kiwi households keep their money — across more than one bank, with property as part of the picture.
Two years on, almost nobody who has properly switched to a NZ-built option wants to go back. The honest reason: Mint's NZ user experience was always partial. You're not losing what you thought you were losing.
FAQ
Is Mint definitely gone, or is there a chance it comes back?
Definitely gone. Intuit folded the team into Credit Karma in March 2024 and has not signalled any intention to revive the brand.
Will my Mint data still be accessible somewhere?
If you exported a CSV before the 23 March 2024 shutdown, you have it. If you didn't, Intuit deleted the data later that year. There is no recovery path.
Is Rocket Money safe to use in NZ if I'm willing to do manual entry?
You can sign up, but you'll be uploading CSVs every week and using USD pricing for a tool that won't see your KiwiSaver. We don't recommend it unless you have a specific reason; the NZ-built tools cost roughly the same and do more.
Does SortMe show credit scores like Mint did?
No. Credit scores in NZ are handled by Centrix and Equifax directly; we'd rather show you the underlying data (debt levels, payment patterns) than reproduce a number from a different agency.
Can I run SortMe and PocketSmith in parallel as a hedge?
You can — both have trial periods. Most people pick one inside two weeks. Running two long-term doubles your admin and you'll quietly stop opening one.
What about Spendee or Goodbudget?
Spendee has shaky NZ bank coverage in 2026. Goodbudget is manual-entry only by design. Both are fine if those constraints match what you want; neither is a like-for-like Mint replacement.
Try SortMe — the closest NZ-built Mint replacement
If you used Mint for the "everything in one place" view and an automatic categorisation that just worked, SortMe is built for the same job. $1 for a 7-day trial, all major NZ banks plus KiwiSaver, cancel anytime.
