RealiPlan vs Mint (Shut Down): Mint Replacement for Debt Payoff in 2026?
Intuit shut down Mint on March 23, 2024, after announcing the sunset in late 2023. For two decades, Mint was the default free personal-finance tool — bank aggregation, transaction categorization, budgets, debt tracking. Its users scattered across Monarch, Copilot, Quicken Simplifi, and Rocket Money. RealiPlan is not a Mint replacement in the full-dashboard sense, but for the specific job of debt payoff planning, it is the more focused tool than any of Mint's broader successors.
RealiPlan is the right Mint replacement specifically for debt-payoff planning. For broader Mint-style dashboard needs, Monarch or Copilot is the right successor.
Best for: Former Mint users whose primary concern was tracking debt payoff pick RealiPlan. Former Mint users who need bank aggregation, investment tracking, and full-dashboard features pick Monarch or Copilot.
Where RealiPlan wins
- •Still in operation, active product development
- •Three debt strategies (snowball, avalanche, hybrid) computed deterministically
- •Paycheck-level payment scheduling
- •AI strategy recommendations via Claude grounded in engine output
- •0% intro APR expiration modeling
Where Mint wins
- •Mint was free, ad-supported — RealiPlan's free tier is more limited
- •Mint aggregated bank accounts across thousands of institutions
- •Mint had two decades of Intuit-scale infrastructure behind it
- •Mint integrated with TurboTax for tax-time data
- •Mint's investment tracking was substantial — RealiPlan does not track investments
Feature-by-feature comparison
| Feature | RealiPlan | Mint |
|---|---|---|
| Product still operating in 2026 | ✓ | |
| Bank account aggregation | (formerly yes) | |
| Debt snowball / avalanche / hybrid | ✓ | |
| Paycheck-level payment scheduling | ✓ | |
| Investment tracking | (formerly yes) | |
| AI strategy recommendations | ✓ | |
| 0% intro APR modeling | ✓ | |
| Household sharing | Pro tier | (limited) |
| Free tier | 5 projections / month | (was fully free, ad-supported) |
| TurboTax integration | (formerly yes) | |
| CSV import / export | ✓ | (was export only) |
| Mobile apps (iOS / Android) | Planned 2026-Q2 | (formerly yes) |
| Coach / advisor dashboard tier | ✓ | |
| Active product development | ✓ |
Which one is right for you?
Pick RealiPlan if
- Your primary use of Mint was debt tracking and you want a tool that goes deeper on payoff strategy
- You want to compare snowball, avalanche, and hybrid strategies on your actual numbers
- You have a 0% intro APR card and need its expiration modeled in the plan
- You want AI strategy recommendations grounded in deterministic engine output
- You and a partner want a shared debt-payoff plan
Pick Mint if
- There is no longer a 'pick Mint' path. Mint shut down March 23, 2024.
- Former Mint users who need full bank aggregation typically pick Monarch Money or Copilot Money
- Former Mint users on the Apple ecosystem typically pick Copilot Money
- Former Mint users wanting a Quicken-quality experience pick Quicken Simplifi
- Former Mint users specifically wanting subscription cancellation pick Rocket Money
Pricing comparison
As of 2026-05-26
RealiPlan
- Free$0
- Pro$7.99 / month($59.99 / year)
- Coach Starter$39 / month($349 / year)
- Coach Pro$79 / month($699 / year)
Mint
- Service shut downn/a(Mint shut down March 23, 2024)
Pricing source: https://mint.intuit.com/
Frequently asked questions
When did Mint shut down?
Intuit shut down Mint on March 23, 2024, after announcing the sunset in late 2023. Mint users were directed toward Credit Karma (also owned by Intuit) for some features, though Credit Karma is not a direct Mint replacement.
Is RealiPlan the best Mint replacement?
For debt-payoff planning specifically, yes. For Mint's full-dashboard feature set (bank aggregation, investments, transaction categorization), Monarch Money or Copilot Money is the better full-replacement pick.
Can RealiPlan import my old Mint data?
Mint users who saved CSV exports before the shutdown can import them into RealiPlan via CSV import. Only the debt-account fields are needed — balance, APR, minimum payment. Transaction history is out of scope for RealiPlan.
Does RealiPlan track investments like Mint did?
No. RealiPlan's product manifest explicitly limits scope to debt-payoff planning and budgeting. Investment tracking is out of scope. If investments are important, layer Monarch or Copilot on top.
Why did Intuit shut Mint down?
Intuit's public statement positioned the shutdown as a consolidation around Credit Karma. Industry analysis attributed the decision to Mint's ad-supported free model not generating enough revenue to justify the bank-aggregation infrastructure cost.
How does RealiPlan's free tier compare to Mint's free model?
Mint was fully free with ads. RealiPlan's free tier covers five projections per month with no ads, and Pro is $7.99 / month for unlimited use. The free RealiPlan calculator at https://www.realiplan.com/calculator runs without a signup at all.
The verdict
Mint's shutdown in March 2024 created the largest personal-finance app diaspora in recent memory. Twenty years of data and habit suddenly needed somewhere to land. Most of the displaced users went to Monarch, Copilot, Simplifi, or Rocket Money — full-dashboard products that approximated Mint's broad feature set.
RealiPlan is not in that group. It does not aggregate bank accounts, does not track investments, does not categorize transactions. For users whose primary Mint use case was the dashboard, the right post-Mint pick is one of those four broader products.
For users whose primary Mint use case was specifically debt management — tracking what you owe, planning payoff — RealiPlan is a deeper specialized tool than any of Mint's full-dashboard successors. The free calculator at https://www.realiplan.com/calculator is the fastest way to see whether the debt-focused depth matters for your situation, without committing to a subscription. Many former Mint users end up running a broad-dashboard tool plus RealiPlan: Monarch for the dashboard, RealiPlan for the debt-payoff plan.
Replace Mint's debt-tracking layer with a focused payoff plan
Free RealiPlan calculator. Snowball, avalanche, hybrid — your real numbers in under five minutes.
Related from RealiPlan
Last updated 2026-05-26. Mint shut down 2024-03-23; pricing reflects the last published values.