Vaulted vs Mint — Why Mint Users Need a Private Alternative
Published March 19, 2026
Mint shut down on January 1, 2024. After 16 years as the go-to free personal finance app, Intuit killed it and pushed users toward Credit Karma. Millions of people who relied on Mint for budgeting and net worth tracking were left looking for an alternative.
The mainstream recommendation is Monarch Money (good, but $14.99/month) or Copilot (Apple-only, $12.99/month). Both require bank access. Neither is free. If you were using Mint specifically to track your net worth, you don't actually need any of that.
What Mint was (and what it wasn't)
Mint was free because Intuit monetized your data — showing you targeted financial product ads based on your spending patterns. You paid with your privacy, even if it didn't feel that way. When that model stopped being profitable enough, the product died.
Mint's net worth tracker was one of its best features: a simple dashboard showing your assets minus liabilities over time. It worked because Plaid pulled your balances automatically. But that convenience came with Plaid having persistent access to your bank accounts, Mint storing your data on Intuit servers, and Intuit using your financial profile for ad targeting.
Now that Mint is gone, the question is: what actually replaces it?
The honest landscape of Mint alternatives
| App | Cost | Bank login | Private | Net worth |
|---|---|---|---|---|
| Vaulted | Free | Not required | ✅ Local only | ✅ |
| Monarch Money | $14.99/mo | Required | ❌ | ✅ |
| Copilot | $12.99/mo | Required | ❌ | ✅ |
| YNAB | $14.99/mo | Optional | ❌ | Partial |
| Credit Karma | Free | Required | ❌ Ad-supported | Limited |
| Spreadsheet | Free | Not required | Depends | Manual |
What you actually need to replace Mint's net worth tracker
If the part of Mint you actually used was the net worth dashboard — not the budget categories or transaction feed — you need something much simpler than what most Mint alternatives offer:
- A place to enter your asset and liability balances
- A chart showing your net worth over time
- Monthly snapshots so you can see your progress
- Asset breakdown by type (cash, investments, real estate, etc.)
That's it. You don't need daily transaction syncs for net worth tracking. You need to log in to your bank once a month, note the balance, and enter it. Takes 2-3 minutes.
Why Vaulted is the best free Mint replacement for net worth
Vaulted does exactly what Mint's net worth tracker did — trend charts, asset/liability breakdown, monthly snapshots — without the Plaid dependency, subscription fee, or server-side data storage.
- Free forever. No subscription, no freemium tier.
- No bank login. You enter balances manually. 2-3 minutes per month.
- No account needed. Open the app, start adding assets.
- Local storage. Your data never leaves your device.
- Open source. Read the code — no surprises.
- Works offline. Install as a PWA, use it anywhere.
- Multi-currency. USD, EUR, GBP, BRL, CAD, AUD, JPY.
The trade-off vs Mint: no automatic bank sync. You type numbers in manually. If you used Mint's budgeting and transaction categorization heavily, Vaulted won't replace that — Monarch Money or YNAB will serve you better. But for the net worth piece specifically, Vaulted is a cleaner and more private replacement.
Mint is gone — your data still matters
Mint's shutdown is a good reminder that when you give a company persistent access to your financial accounts, you're depending on them to stay in business, stay secure, and keep your data private. Intuit killed Mint. Credit Karma is now pushing product ads to the same audience.
Vaulted can't shut down in a way that takes your data with it. Your data is on your device. Export a JSON backup. Use it on any browser. If vaultedworth.com ever disappears, you can run the open-source code yourself.
Try it
Try Vaulted free at vaultedworth.com — no sign-up required. Or inspect the source on GitHub.