Monthly Financial Review
Without Connecting Your Bank
MindsBudget gives you the spending clarity Mint provided — health score, category breakdown, recurring charges — without requiring your bank credentials or an ongoing account connection.
No bank login · CSV or Excel · Free to start
What happened to Mint
Intuit shut down Mint in January 2024 and redirected its users to Credit Karma. For many Mint users, the appeal of Mint was the spending analysis — the category breakdown, the monthly overview, the sense of where the money went. Credit Karma is primarily a credit monitoring service and doesn't directly replicate that experience.
Since then, many former Mint users have been looking for something that answers the same questions Mint answered: How much did I spend this month? Where did it go? Do I have more than I think I have, or less?
Why some people prefer not to connect their bank account
Most budgeting apps — including Mint — work by connecting to your bank through a service like Plaid. This involves sharing your bank username and password (or bank-issued credentials) with a third party, which then maintains an ongoing connection to your account.
For many people that's a perfectly acceptable trade-off. For others, it isn't — either because they're uncomfortable sharing bank credentials with a third party, because they've had fraud experiences that make them cautious, or because they simply prefer to control what data they share and when.
If you're in the second group, the upload approach MindsBudget uses may be a better fit.
How MindsBudget works instead
Once a month, log in to your bank's website and export your transaction history as a CSV or Excel file. Most banks — Chase, Wells Fargo, Bank of America, Capital One, and most credit unions — offer a download button on the account page. The export takes about 30 seconds.
Upload that file to MindsBudget. The tool reads every transaction, categorizes your spending, identifies every recurring charge, calculates a Financial Health Score from 0 to 100, and shows you how this month compared to the last.
Nothing connects to your bank. No credentials are shared. The file is processed immediately and the original is not stored on disk.
Log in → find "Download transactions" or "Export" → choose CSV or Excel → select the last month.
Drop the file in. Results appear in under 60 seconds — no manual entry required.
See your health score, spending by category, recurring charges, and how this month compares to last.
What you get
A deterministic 0–100 score based on your spending rate, discipline, stability, and cash runway. No black box.
Transactions are automatically classified: Food, Housing, Subscriptions, Transportation, Entertainment, and more.
Every charge that repeats is identified and classified — Fixed Bills, Debt Payments, Subscriptions, and flagged unknowns.
Upload each month to see how your score and spending changed — the core of what made Mint's historical view useful.
Specific findings from your actual data — largest expense category, cash flow position, and recommendations.
No bank connection. No credentials shared. No data sold. Your financial data is not used for advertising or credit products.
How the approaches compare
This isn't a judgment of which approach is better — it depends on what you want. Here's an honest summary of the differences.
| Bank-connected apps (Mint-style) | MindsBudget (upload approach) | |
|---|---|---|
| Bank credentials required | Yes | No |
| Transaction sync | Automatic, real-time | Monthly, user-initiated |
| Data you share | Bank credentials + ongoing access | Exported file, once a month |
| Review cadence | Continuous (can check anytime) | Monthly (deliberate review) |
| Financial Health Score | Varies by app | ✓ Included |
| Spending breakdown | ✓ | ✓ |
| Recurring charge detection | Varies | ✓ Automatic |
| Data sold or used for ads | Varies by app | Never |
Try it now — no account required
Before signing up, use the free statement scanner to see exactly what MindsBudget finds in your bank statement. Every recurring charge, classified in under 60 seconds. No account, no email required.
Upload a CSV or Excel file and get your full recurring charge breakdown instantly. No bank login. No personal information required.
CSV or Excel · File never stored · No bank connection
Frequently asked questions
Is MindsBudget a replacement for Mint?
MindsBudget is a monthly financial review tool for people who prefer not to connect their bank account to a third-party app. Rather than syncing automatically, you export a CSV or Excel file from your bank and upload it. The result is a financial health score, spending breakdown, and recurring charge review — the core of what most people used Mint for.
Does MindsBudget connect to my bank account?
No. MindsBudget does not connect to your bank. You export a statement file from your bank's website and upload it. No bank credentials, no ongoing connection, no third-party account access.
Is it safe to upload a bank statement?
Your exported bank statement contains transaction history — dates, amounts, and merchant names — but no account numbers or login credentials. MindsBudget processes the file immediately and does not store the original file. Only the structured transaction data is retained for your account, and you can delete it at any time.
How long does a monthly review take?
Under 60 seconds to see your results. Export your statement from your bank, upload it, and MindsBudget produces a financial health score, spending breakdown, recurring charge list, and personalized insights — automatically.
Which banks are supported?
Any bank that lets you export a CSV or Excel file is supported — Chase, Wells Fargo, Bank of America, Capital One, Citi, Discover, and most credit unions. Log in to your bank's website, find the "Download" or "Export" option, and select CSV or Excel.
Related guides
- About MindsBudget — our approach and privacy-first design
- Privacy Policy — how we handle your financial data
- Free Monthly Budget Calculator — no account required
- How to find all your recurring subscriptions
- Monthly spending review guide — a 15-minute process
- Free statement scanner — see recurring charges before creating an account