How to Migrate from Mint to YNAB (and Actually Feel Good About It)

Updated June 18, 2025

Mint is gone. Poof. The budgeting app that many users loved—or at least tolerated—has officially migrated to the land of Credit Karma, and let’s be real: that move has left a lot of people scratching their heads (and scrambling to download their Mint transaction history and historical data).

If you’re here, you’re likely one of the many users trying to figure out how to migrate from Mint—and more importantly, how to find a Mint alternative that won’t just track your expenses, but actually help you feel good about your money.

Enter YNAB.

We’re not here to shame Mint or throw shade at your beautifully color-coded pie charts. Mint gave a lot of people their first taste of budgeting power. But we are here to show you what’s next: a smarter, more flexible way to manage your money—one that actually helps you change your financial life, not just look at it.

So let’s break down what you need to know to make a smooth transition, keep your data intact, and kickstart your financial journey with YNAB.

If you’d like to learn about the mechanics of importing your Mint data into YNAB, check out the Transitioning from Mint to YNAB help doc!

YNAB vs. Mint: What Stays the Same

Maybe you just want the same functionality you’ve known and loved from Mint, and you’re looking for an app that can give you a lot of the same. Here are some shared features that resonate between the two:

‍Bank Syncing: Just like Mint, YNAB offers the convenience of seamless bank syncing. Your financial transactions are effortlessly imported, keeping you up to date. You can also seamlessly import your Apple Card, Apple Cash, and Savings with Apple Card transactions into YNAB almost instantly!

‍Customizable Monthly Categories: In both apps, you have the freedom to tailor your monthly categories to fit your unique financial landscape, but YNAB goes many steps further with the ability to endlessly edit category groups and names, even with the default template. Flexibility at your fingertips.

‍Comprehensive Account Overview: YNAB and Mint both provide a panoramic view of your finances. All your accounts can be neatly presented in one place, simplifying your financial management.

‍Visual Plan: Picture your financial goals coming to life. Both apps offer a visual roadmap, allowing you to chart the course of your money, ensuring it aligns with your priorities.

Hopefully, by now, you’re breathing a little easier knowing you can still get your financial overview from an app. But not everything is the same—and in those differences you will see the better financial habits and behavior change that our current audience of YNABers rave about, and what could put you in control of your money like never before.

Read how a Mint user turned YNABer realized awareness is essential to good money management, even once you’re well beyond living paycheck to paycheck. 

Why YNAB Works as a Mint Alternative

YNAB is based on a four-rule method that simplifies spending decisions and makes it easy to save money, demolish debt, and get a big-picture perspective of your financial health. 

The YNAB Method 

The YNAB Method is to give every dollar a job. Every dollar you spend on something you don’t really care about is a dollar you can’t spend on something you do care about. 

Every time you get paid, assign a purpose to every single dollar you have—whether it’s to pay your groceries, mortgage, or for future plane tickets to Bora Bora—and get clear about where you want your money to go. 

The YNAB Method includes five questions that guide you through the practice of giving every dollar a job. They help you deal with the past, live in the present, and look forward into the future. Let’s go through those five questions you’ll ask yourself every time you sit down to give every dollar a job.

Reality: What does this money need to do before I’m paid again? 

Reality is the first step toward giving every dollar a job. You can’t plan a journey without knowing where you are. Getting clear about how much money you have and what that money needs to do next helps you avoid spending more important money on less important things. 

Stability: What larger, less frequent spending do I need to prepare for?

Stability reduces stress and uncertainty. Anticipate upcoming expenses and start setting small, manageable amounts of money aside to save yourself from the emotional drama of one big bill. After all, the holidays happen every year and your car will need new tires someday—Future You will appreciate that you planned ahead!

Resilience: What can I set aside for next month’s spending?

Resilience is being proactive instead of reactive. When next month’s expenses are covered, payday and due dates don’t really matter and financial emergencies become minor inconveniences. This built-in breathing room helps you rest a little easier and frees up mental space for something more fun, like cheating at Monopoly. 

Creation: What goals, large or small, do I want to prioritize?

Creation is giving your goals a chance (with money). Ask yourself the age-old question of, “What do I want to be when I grow up?” over and over again and then give your dollars jobs that will make that possible. Who do you want to be and how can the money you have help you get there? 

Flexibility: What changes do I need to make, if any?

Flexibility means changing your plan when new priorities arise. There’s no such thing as a normal month and the answer to “Who do I want to be?” can change from at-home chef to DoorDash frequent-flyer on the drive home. And that’s okay! It’s your money and your plan for it can change at any time—without guilt, stress, or second-guessing. Change your mind, move some money, and move on.

The YNAB Method is what sets YNAB apart from any other option for managing money; it’s more than math, numbers, and graphs; it’s a habit-building tool that supports and inspires you to fund a future you’ll love living. 

YNAB Features

The magic is in the method, and YNAB’s features are designed to support that. Let’s take a look: 

Integrated debt paydown tools: The way credit card spending is handled in YNAB makes it easy to avoid accruing new credit card debt since the amount spent moves from the spending category to the credit card payment category with every credit purchase. Set a target to pay down existing credit account balances or use the loan planner tool to calculate how much time or money you can shave off over the life of your loan by making extra payments. 

Subscription sharing: Get more for your money by sharing your subscription, and spending plans of your choosing, with a trusted group of up to six people, each with their own individual log-ins.

Automation options: Good news for Mint users who appreciated its hands-off approach! Scheduled transactions help keep bill payments and recurring expenses up-to-date without any hassle, and options like linking financial accounts, auto-assignment, and automatic import can save time and streamline money management. 

Customizable transaction flags: Go a step beyond when it comes to organizing your financial data by  categorizing your transactions with a searchable flag. Assign colored transaction flags for each member of the family, reimbursable expenses, potential tax deductions, items being returned, or anything that might be helpful to look up later.

Spending and savings targets: Make a plan to fund your priorities and stay on track to achieve your savings goals with progress bars and helpful reminders about how much more you need to assign to each category.

Real-time syncing: YNAB is available on the web and as a mobile app for iOS and Android in the App store or Google Play. Manage your money (and your priorities) on your Apple watch, your laptop, a tablet, or set up a mobile widget on the home screen of your phone.

Reports: We have pie charts and graphs too! Track spending across custom date ranges, categories, your income and expenses, your net worth and more with reports. Slice and dice your data however you’d like.

Accurate overview:  You reconcile the accounts in YNAB to your account balances, ensuring a trustworthy reference to determine how much you have to spend or save. No more checking your bank account before making a purchase—just YNAB.

Resources: YNAB has award-winning customer support, active and engaging social media communities, live workshops, personal coaching, printable and digital assets, and a wealth of user-friendly resources in whatever format or learning style works for you. 

YNAB vs. Mint: Features and Functionality 

Availability	20 years and counting	Service will end on January 1, 2024
Methodology	Proactive. Zero-based digital envelope system with a framework based on inspiring behavioral change	Reactive. Streamlined expense tracking with traditional budgeting features
Transaction tracking	Manual entry, file-based importing, automated importing or a combination of all three	Automated importing with option for manual correction
Customization	Personalize names of spending categories, add emojis, or categorize transactions with searchable flags	Limited options for customization
Account Linking	Third-party import providers for automatic transaction entry or manual entry options	Robust linking capabilities with financial institutions, including loan and investment accounts
Goal Tracking	Integrated goal and priority-planning, as well as progress-tracking, within your spending plan	The ability to set financial goals and track progress, but as a separate function from your Mint budgets
Reporting	Detailed reports that reflect financial information trends	Variety of reports and trends on finances
Credit Cards	Designed to fund credit card spending to avoid creating new debt	Shows available credit—how much more debt you can create—without implementing a plan to pay it off
Debt Tools	Yes; integrated loan planner to help pay down debt and built-in system to avoid creating new debt	Credit score monitoring and recommendations for credit cards, balance transfers, and other financial products
Subscription Sharing	Yes; Share your subscription (and spending plans of your choosing) with up to 5 loved ones	Not available
Effort Investment	Your choice: take a hands-on approach or take advantage of automation options	Minimal amount of effort or control
Price	Subscription fee (with a free trial)	Free Mint Account (ad-supported, see below)
Data Sharing	YNAB doesn’t sell or share your data	The price is your Mint data
Mobile App	iOS and Android	iOS and Android
Customer Support	Live chat, workshops, guides, blog, video series, and more	Help articles, community forum

YNAB and Mint are different on a foundational level but when it comes to the desired outcome of managing your income, both sets of users have the same basic needs and both options have similar functionality. YNAB just takes a more holistic, aspirational approach and Mint allows you to overspend on burrito bowls and then fills your email inbox with pie charts of shame.

(Can you tell I’ve had some pie chart-related trauma? I know. I’ll take it up with my therapist.) 

YNAB vs. Mint: The Big Difference

Let me share a simple truth: Mint is the past and YNAB is the future. 

And I don’t just mean that in a marketing sense, where I’m trying to talk you into something new. I mean it literally—Mint is a free budgeting app that primarily tracks cash flow and offers a retrospective view of your finances. 

I guess it’s nice to know how much you spent on take-out last month, but that money is already gone. You might feel guilty and anxious to realize you spent that much, but will it stop you next month when you’re really craving Chipotle? Does last month’s pie chart have that much power over you? 

YNAB, on the other hand, is a money management method that inspires behavioral change by encouraging you to make intentional decisions about where you want your hard-earned dollars to go ahead of time. It supports a proactive approach to money management, with the flexibility to change your plan when plans change.

Does that mean you can’t splurge on Chipotle anymore? Absolutely not. You can have Chipotle every single night if that’s a priority for you. When you use YNAB, you’ll feel like you have total control of your finances because you decide what’s important and how much money you’re willing to spend on those things before you swipe that debit card. 

If you have a change of dinner plans and end up spending more on take-out than you intended that month, you can change your plan in YNAB by moving money you’ve assigned elsewhere to your Dining Out category to cover the difference. No guilt! (There should be no guilt about ordering guac.) And your financial overview is still entirely accurate. Your categories in YNAB reflect your priorities in life, and priorities change. 

If you overspend in a certain area on the Mint app, it will alert you but it doesn’t prompt you to figure out where the money you’ll need to cover that overage will come from, so you can’t see how your hunger-inspired decision might affect your overall financial situation. Overspending doesn't affect your future months in the Mint app, even though it would in reality.

 In YNAB, you cover overspending in an expense category with money from other categories, which keeps your financial overview accurate and reflects the trade-off you may have made due to the change of plans. 

So, if you had planned on spending $50 for take-out this month but spent $100, Mint would still tell you that you have $50 earmarked for next month—but you actually already bought two months’ worth of take-out (and I am not judging you for it!) and need to account for that extra $50 somewhere. 

What this looks like in real life

Let’s say you like Chipotle, but having it every night isn’t one of your life goals. However, staying in one of those little overwater bungalows in Bora Bora is a major player on your bucket list. You don’t feel like cooking and a steak burrito bowl is calling your name, but when you check YNAB, you realize you’d have to move money out of your Bora Bora Bungalow fund to cover the cost—is the steak burrito bowl worth the delay to your dream vacation? Maybe it is. There’s no wrong answer. Either way, it’s important to weigh that trade-off before you make the purchase.

With Mint, you’d be more likely to go ahead and order the bowl. Maybe you’d adjust the dollar amount assigned to your Dining Out budget to get rid of the red warning, but Mint wouldn’t ask you where that money was coming from. Maybe you’d feel some guilt when you reviewed the next Pie Chart of Shame, but it wouldn’t be as clear that you’re accidentally choosing Chipotle over Bora Bora. 

Mint shows you what you’ve already done, for better or worse. YNAB clarifies your priorities and empowers you to achieve your goals. Intentional spending leads to effortless saving, and both will change your life. 

Again, change is hard, and even harder when you feel forced to find something new. However, with YNAB, you’ll change your relationship with money, for good this time—and that will change your life in a lasting way that you’ll welcome. 

Mint was a budgeting app. YNAB is a philosophy.

It’s not about being perfect. It’s about being present.

And whether you’re recovering from pie chart shame or just ready for something new, this is your chance to build a better blueprint for your money—and your life.

So go ahead: start your free 34-day trial. Import your Mint data. Create categories that reflect your real goals. And give yourself a little credit—you’re not just migrating from Mint.

You’re graduating to something better.

Did you know that the average new YNABer saves $600 within the first month and $6000 in their first year of use? And you seem anything but average! Learn how to easily transition from Mint to YNAB and sign up for a free trial today.