The Short Answer
Mint suited people who wanted free, all-in-one tracking, until Intuit shut it down in March 2024. Cadence Money replaces it with budgets, bills and net worth in Canada and the USA, from $2.99 CAD per month billed annually, with no ads.
Why People Choose Cadence Money Over Mint.
A fraction of the price.
From $2.99 CAD/m billed annually, against about $11.51 CAD/m for Monarch Money and $12.55 CAD/m for YNAB.
What Credit Karma dropped.
Budgets, net worth, bills and goals, together in one focused app.
You are not the product.
No ads, no data selling and no AI training, because subscribers fund it.
Built for Canada too.
TFSA, RRSP and FHSA beside 401(k) and 529 plans, in CAD, USD and GBP.
Apps on every device.
Native iOS and Android apps plus a full web app, all kept in sync.
Bring your history.
An old Mint CSV is recognised on sight, or connect your banks instead.
Cadence Money vs Mint.
| Cadence Money | MintDiscontinued 2024 | |
|---|---|---|
| Starting price | $2.99/m | Discontinued |
| Available in Canada & USA | Yes | No (US only) |
| iOS, Android & Web apps | Yes | Discontinued |
| Multi-currency support | Yes | No |
| TFSA, RRSP, FHSA tracking | Yes | N/A |
| AI training on your data | No | Unclear |
| Official MCP integration | Yes | No |
| Passkey sign-in (all devices) | Yes | No |
| Works without bank syncing | Yes | No |
| Share with household members | Yes | No |
| Bank syncing | Yes | Discontinued |
| Budget & transaction tracking | Yes | Discontinued |
| Net worth tracking | Yes | Discontinued |
| Financial goals | Yes | Discontinued |
| Reporting | Yes | Discontinued |
| Insights & suggestions | Yes | Discontinued |
| Automations | Yes | No |
Competitor prices are approximate conversions. Pricing reflects annual plans billed yearly. Based on publicly available data as of September 2026.
Pricing and Plans
Frequently Asked Questions.
Intuit shut down Mint on 23 March 2024 and moved users to Credit Karma, which dropped most of Mint’s budgeting features. Former Mint users have been looking for a dedicated budgeting app to replace it ever since.
Cadence Money is a strong Mint alternative for Canada and the USA, with budgeting, net worth, bills and goals on iOS, Android and web, and no ads or data selling. Monarch Money and YNAB are the other main options.
It covers what most people used Mint for - connected accounts, spending, budgets and net worth - but as a paid subscription rather than an ad-supported free app. It does not track credit scores, which Credit Karma kept.
Yes, if you saved a CSV export before Mint closed: Cadence Money recognises its layout, translates its categories and reads its debit and credit column. If you never exported, use a CSV from your bank instead. Our guide to switching from Mint covers both routes.
No. Mint was free because it showed ads and monetised your data. Cadence Money is a paid subscription with a 14-day free trial (card required), with plans from $2.99 CAD / $2.49 USD per month billed annually.
Mint was a US product and never properly supported Canadian banks or registered accounts, which is why many Canadians were already looking before the shutdown. Cadence Money is built in Canada and covers TFSA, RRSP, FHSA, RESP and RDSP alongside US account types.