PennySlice picks up where Mint left off, with smarter AI and the freedom to link your bank or import your own data.
Mint was free because you were the product. Ad revenue and financial product referrals funded it until they didn't. PennySlice is subscription-funded, so your data isn't the business model.
Mint required bank connections through aggregators. When Mint shut down, those connections died and transaction history was lost. PennySlice works with your exported files, and any linked accounts can be revoked — your data stays with you regardless of what happens to any service.
Mint's auto-categorization was rules-based and frequently wrong. PennySlice uses a RAG-powered AI that learns from every user's corrections, getting smarter over time instead of making the same mistakes.
Mint showed you where your money went. Penny Spotter tells you where it's going, predicts upcoming expenses, and flags overspending before it happens.
An honest look at what made it good.
Mint was genuinely great at what it did for 17 years. Free expense tracking with auto-categorization and bank syncing made personal finance accessible to 25 million people.
Their bill reminders, spending trends, and net worth tracking gave users a complete financial picture at no cost.
The real lesson from Mint: free, ad-supported finance tools can disappear overnight. Your data went with it.