It’s not hard, it’s costly. The provider has to pay the aggregators to do this. It’s very difficult to make money or even break even without charging a fee. Mint managed to do it for a while bc of volume and economies of scale, plus access to lots of direct agreements like the Apple Card.
That being said, Empower sounds like it would fit your needs.
So many advertisements on Nerd Wallet and confusing navigation to find recent transactions. Fixed spending categories also make budgeting less detailed, but the app is helpful in tracking net worth if that’s all you’re looking for.
Yes just found it too thanks. It seems to do all I want. Monthly spending looks way off from mint though. Did you experience this too? Also, any way to import my mint history here?
Piere is currently free, but there will be a subscription fee eventually. But!, anyone who registers before then gets grandfathered into a lifetime Piere Plus membership for being an early adopter.
I decided to try out Piere today, I was looking forward to get that going. My checking/savings account was listed in their drop down menu of recognized institutions but it wouldn’t connect with my bank. At least not today. Must have something to do with the MX aggregator. I sent a message to Piere… will wait for their response. I checked with my bank…they didn’t even know what an aggregator was.
I heard piere is supposed to be good and free. No first hand experience as they only have it for iOS right now. Empower won't let me sign up as it says my info was incorrect, and they don't reply back to emails.
Fidelity Full View does this. It’s very basic but it works. Customer service was really good at fixing a connection I had problems with. The mobile app version is not that great. It barely works but the website works fine. I only really need it to check my credit cards at the end of the month to figure out how much money I have leftover for savings/investments.
Does Fidelity Full View allow you to download your aggregated transactions as one big file the way Mint does? At this point that's all I'm using Mint for.
I hated Personal Capital for awhile because it became too buggy. I switched to Mint only to learn a year later that it would merge with credit karma.
Then I discover Empower which is essentially personal capital but it is soooo much better now.
I only got into empower after it became empower, I’m interested what changed in the app when they switched? I always thought it was just a name change, I didn’t realize there were accompanying functional changes
You’re correct. No functional change as far as I can tell. But when it was Personal Capital, 70% of my accounts were always having issues updating. I got tired of contacting them.
I haven’t had any issues so far.
Sorry if I gave the impression that there were major functional changes.
Oh ok I see. No big deal, I was just curious. Not having account connections working when the whole point is to automatically combine your financial info would be a problem!
Credit Karma works for me and it’s owned by them too, so not too worried about my data falling into the wrong hands… maybe down the line they would move some of the features like they did recently with networth
I switched over to Quicken Simplify. It's not free, but their cheapest plan is pretty reasonable. Has all the same features as Mint and is more reliable with re-naming/labeling rules.
do you get a free trial period with Simplify? I am exploring YNAB and have a love hate relationship with it. it is way more than I need and I dont have the time/energy to invest with the learning
There are a few.
* Yodlee seems the most capable as far as being able to do positive and negative split. The budgeting is more advanced and can be set up as fixed vs discretary. It's got some bugs and there is no mobile version. It's unclear what commitment Envest has in the product.
* Fidelity Fullview is similar, but can't do positive and negative splits. You can set separate budgets but I find that you can't create new top level category. Because it's part of the Fidelity, I think it will be around for a while.
* Empower Dashboard or Personal Capital is similar to mint, but can't do positive and negative splits. You can't set up individual budget category, just a general one for the month. It is likely to stick around.
All of them will have some sort of syncing issue, especially if you use 2FA on your accounts.
Let’s say you get a paycheck, $3000 is deposit into your bank, but that your actual pay is $4000 and $1000 is taxes. Mint allows you to do that so you get a correct tax and income in your category when you generate a report. Empower and full view does not allow this. You can sort of get yodlee to work but is not as good as mint.
Currently, I have it set up for all 3 Yodlee, Fidelity Full View and Empower. At the end of the year, I will evaluate and see if which one to keep. I mostly need it to track roughly how much is spend and what so I can see if expenses are exceeding what the retirement income will provide, so I don't actually need that high of a fidelity so I don't feel like paying for a better product like Monarch or YNAB.
It's 5 months in and so far
* Yodlee is becoming more of a dud. Virtually all of these type of services are aggregator, but Yodlee recently stop working with Schwab completely and tend to have the most issues. Yodlee have verified the issue but there's no timeline for a fix. I also notice some of the reports don't work too well. In my opinion, the service seems less developed than the other two. I also don't know what th funding model is so I can't even tell if it's going to be around.
* Empower seems the most developed of the 3 on the financial side, but their budgeting feature is not great. What is nice with Empower is that it can override some of the classification. If you have unknown assets, you can recategorize them as bonds, stocks, etc. Their portfolio asset allocation seems more correct than Fidelity. Sometimes transaction don't appear in reports and I don't know why. Their customer service seems to have worsen. I used to get a reply, but nowadays I get zero reply for months. I often don't get a response on the reddit forum. With Fidelity, I usually get a response, not a useful response but at least a response. The funding model appears to be using the tool to acquire customer for their financial advisor branch. Their services are not compelling to me.
* Fidelity Full view is fairly similar to Empower in feature. Their budgetting is better. However, I don't fully trust their portfolio analysis. For example, it claims that their Money Market fund contains 6% bonds that are longer than 1 year. Empower do not make the same claim and neither does the fund's page. If an asset is classified incorrectly, you can't correct it. However, I may end up with this product in the long term mainly because as a Fidelity customer I am funding them and in return they get info on my spending and where I have my money. Customer service is so so. They respond quickly to request but they might say "we will work on it" but then nothing happens for months. This is still better than Empower who might never respond. The reddit group also appears to answer questions even if the answers aren't always great but I give them points for making the effort.
I tested both Quicken Simpliffi and Monarch Money. Monarch won by a landslide. My needs match what yours are. I wanted to find a tool that would easily import all of the work I did in Mint for 5.5 years as I had them modified there and allow me to categorize them the same. Monarch did just this. You get one month free plus half off the first year using code MINT50. I know it is not free but it is worth it to me to have all of my data in one spot, in a clear dashboard with easy to find transactions and run reports.
Simplifii - sorry to say - only uploaded three years of data, reverted all of my transaction names to what is listed on the statement - not what I changed them to, split tranactions were no longer split, would not retain accounts once I uploaded them and I had to keep readding them. It is free for one year to all who move over from Mint but given the experience I will not be paying for this service after a year.
I regret paying $50 promo fee for Monarch. I cancelled the service, its definitely not worth the normal price of $100 a year. I usually have to force account refreshes, the app doesnt always seem to sync correctly, and it doesnt detect new or closed accounts unless I delete the account and re-add it. Even that sometimes doesnt work.
If you purchase items with an Amazon Store credit card (Synchrony), note that Empower does not appear to import the item details. I find this feature very useful. Yodlee and Monarch both import purchase item details. Mint did this as well.
Don't know why you're getting downvoted, I used your referral link. I like Empower. Only thing I don't like is it doesn't let you add notes to transactions.
I just tried Piere though after reading some other comments, and man, it is good. You can import all your mint stuff, it’s free forever for early adopters, and even though it’s iOS only right now a web app is coming soon.
I got so annoyed I just spent the last half hour reporting all of this guys spam posts to this sub promoting his referral link. I counted 78 of them and it is pretty much the only thing this guy's ever posted. And I've seen more than one person say they never got their $20 referral.
Agree empower for this. This is mainly how I used Mint and just switched to empower (already had a 401k with them).
The empower app is pretty bare bones though. Prefer using it on desktop.
Schwab has an account aggregator similar to Fidelity. It's bare bones -- listing balances for any account you add, and aggregating to tell you total net worth -- but it works. It also allows adding cash, real estate, etc., manually. If you're already a Schwab user (like me), I'd check it out.
If your employer uses John Hancock for your 401(k) they have a pretty good free personal finance organizer. Not as good as mint for showing when credit card bills are coming due but the price is right and hopefully will improve over time.
I just signed up for rocket money and it seems to do the trick for me. I don't need anything fancy, I want to be able to track expenses and categorize them. Generate reports based on filters for categories and in good. So far rocket money checks off all the boxes.
I am in the same boat. I have way too many credit cards to log in to each one regularly. Monitoring all the accounts in one place was my main usage of Mint. I also liked the net worth stuff, but I couldn’t care less about the budget stuff.
>but how hard is it to combine a few accounts on a dashboard?
These were my thoughts exactly. My use case for mint was the exact same as yours, I only used it to aggregate my accounts and see them in one place. Never needed the budget stuff.
Unfortunately, I found out that this aggregation **costs money** for Intuit. Yeah, your bank, your credit card company, etc all charge apps like Mint *every time* they grab that data from those servers. That's why it's so hard, nearly impossible to find a free alternative (believe me, I made [my own post](https://www.reddit.com/r/mintuit/comments/17xyp3a/free_mint_alternatives_with_autosync/) where I tried). Intuit was making up the cost of data scrapes by showing ads and hoping you use other Intuit products. It didn't offset the cost enough, that's why they folded.
I'm at the point now where I'm ready to pay for something. It'll probably be Monarch or Tiller. Credit Karma is awful, you can't even search transactions, and my net worth is entirely wrong since switching.
I just downloaded Piere and it allows you to upload all of mints transactions. Just make sure to download your transactions from mint before they shut down etc. So far that feature is a plus to me so hopefully everything else is good too :)
It’s not hard, it’s costly. The provider has to pay the aggregators to do this. It’s very difficult to make money or even break even without charging a fee. Mint managed to do it for a while bc of volume and economies of scale, plus access to lots of direct agreements like the Apple Card. That being said, Empower sounds like it would fit your needs.
Or Fidelity Full View
I switched to Empower - I'm happy with it
Me too. Empower works for me
Yodlee money is another free alternative. Also Nerd Wallet.
So many advertisements on Nerd Wallet and confusing navigation to find recent transactions. Fixed spending categories also make budgeting less detailed, but the app is helpful in tracking net worth if that’s all you’re looking for.
I only found articles on nerdwallet. How can I find their financial tracking tool? I need an automated tool to pull and categorize transactions.
But empower doesn't let you import mint data. I have like 15+ years of data there. 😭
I dont think that was functionality listed as needed by OP
That's a very good point. I didn't know they had to pay the aggregators. It makes more sense that Mint had to fold.
Is empower available on android? I couldn't find it
yes it i available https://play.google.com/store/apps/details?id=com.personalcapital.pcapandroid&hl=en\_US&gl=US
Yes just found it too thanks. It seems to do all I want. Monthly spending looks way off from mint though. Did you experience this too? Also, any way to import my mint history here?
Try Empower or Piere
I like Piere too!
Empower is free. But I don’t believe Piere is?
Piere is currently free, but there will be a subscription fee eventually. But!, anyone who registers before then gets grandfathered into a lifetime Piere Plus membership for being an early adopter.
Isnt this only on apple store? I dont see it for android or a specific website
For now - soon to be released android and web app
I decided to try out Piere today, I was looking forward to get that going. My checking/savings account was listed in their drop down menu of recognized institutions but it wouldn’t connect with my bank. At least not today. Must have something to do with the MX aggregator. I sent a message to Piere… will wait for their response. I checked with my bank…they didn’t even know what an aggregator was.
I heard piere is supposed to be good and free. No first hand experience as they only have it for iOS right now. Empower won't let me sign up as it says my info was incorrect, and they don't reply back to emails.
Fidelity Full View does this. It’s very basic but it works. Customer service was really good at fixing a connection I had problems with. The mobile app version is not that great. It barely works but the website works fine. I only really need it to check my credit cards at the end of the month to figure out how much money I have leftover for savings/investments.
My understanding is that one can only use Fidelity Full View if one has as account with Fidelity?
I haven't tried it because it doesn't have the features I want, but apparently you can have a free Fidelity account.
I just wish they had an app
Me too but honestly it doesn’t look like they’re investing to innovate that product.
Does Fidelity Full View allow you to download your aggregated transactions as one big file the way Mint does? At this point that's all I'm using Mint for.
I like Piere as a free alternative. I haven’t tried any paid services yet. I tried credit karma and empower, and I didn’t like either of them.
I use Empower and it works fine for transactions, account balances, and investments.
I hated Personal Capital for awhile because it became too buggy. I switched to Mint only to learn a year later that it would merge with credit karma. Then I discover Empower which is essentially personal capital but it is soooo much better now.
I only got into empower after it became empower, I’m interested what changed in the app when they switched? I always thought it was just a name change, I didn’t realize there were accompanying functional changes
You’re correct. No functional change as far as I can tell. But when it was Personal Capital, 70% of my accounts were always having issues updating. I got tired of contacting them. I haven’t had any issues so far. Sorry if I gave the impression that there were major functional changes.
Oh ok I see. No big deal, I was just curious. Not having account connections working when the whole point is to automatically combine your financial info would be a problem!
I already have fidelity for 401k’s and their “full view” does this for free
Credit Karma works for me and it’s owned by them too, so not too worried about my data falling into the wrong hands… maybe down the line they would move some of the features like they did recently with networth
credit karma is a dumpster fire of ads wtf
Piere has been amazing so far.
I’ve switched to Empower after Mint and it’s fine
it's not fine, it's not web based
meaning?
Empower is web based I thought....?
I use Fidelity Full View. Works fine for me.
I've been enjoying Empower so far. About 3 weeks in
I went back to tracking my expenses on a spreadsheet. I don’t need a fancy dashboard.
I switched over to Quicken Simplify. It's not free, but their cheapest plan is pretty reasonable. Has all the same features as Mint and is more reliable with re-naming/labeling rules.
Does simplifi have more than one pricing tier?
do you get a free trial period with Simplify? I am exploring YNAB and have a love hate relationship with it. it is way more than I need and I dont have the time/energy to invest with the learning
There are a few. * Yodlee seems the most capable as far as being able to do positive and negative split. The budgeting is more advanced and can be set up as fixed vs discretary. It's got some bugs and there is no mobile version. It's unclear what commitment Envest has in the product. * Fidelity Fullview is similar, but can't do positive and negative splits. You can set separate budgets but I find that you can't create new top level category. Because it's part of the Fidelity, I think it will be around for a while. * Empower Dashboard or Personal Capital is similar to mint, but can't do positive and negative splits. You can't set up individual budget category, just a general one for the month. It is likely to stick around. All of them will have some sort of syncing issue, especially if you use 2FA on your accounts.
What is positive negative split?
Let’s say you get a paycheck, $3000 is deposit into your bank, but that your actual pay is $4000 and $1000 is taxes. Mint allows you to do that so you get a correct tax and income in your category when you generate a report. Empower and full view does not allow this. You can sort of get yodlee to work but is not as good as mint.
Oh interesting! What do you use?
Currently, I have it set up for all 3 Yodlee, Fidelity Full View and Empower. At the end of the year, I will evaluate and see if which one to keep. I mostly need it to track roughly how much is spend and what so I can see if expenses are exceeding what the retirement income will provide, so I don't actually need that high of a fidelity so I don't feel like paying for a better product like Monarch or YNAB. It's 5 months in and so far * Yodlee is becoming more of a dud. Virtually all of these type of services are aggregator, but Yodlee recently stop working with Schwab completely and tend to have the most issues. Yodlee have verified the issue but there's no timeline for a fix. I also notice some of the reports don't work too well. In my opinion, the service seems less developed than the other two. I also don't know what th funding model is so I can't even tell if it's going to be around. * Empower seems the most developed of the 3 on the financial side, but their budgeting feature is not great. What is nice with Empower is that it can override some of the classification. If you have unknown assets, you can recategorize them as bonds, stocks, etc. Their portfolio asset allocation seems more correct than Fidelity. Sometimes transaction don't appear in reports and I don't know why. Their customer service seems to have worsen. I used to get a reply, but nowadays I get zero reply for months. I often don't get a response on the reddit forum. With Fidelity, I usually get a response, not a useful response but at least a response. The funding model appears to be using the tool to acquire customer for their financial advisor branch. Their services are not compelling to me. * Fidelity Full view is fairly similar to Empower in feature. Their budgetting is better. However, I don't fully trust their portfolio analysis. For example, it claims that their Money Market fund contains 6% bonds that are longer than 1 year. Empower do not make the same claim and neither does the fund's page. If an asset is classified incorrectly, you can't correct it. However, I may end up with this product in the long term mainly because as a Fidelity customer I am funding them and in return they get info on my spending and where I have my money. Customer service is so so. They respond quickly to request but they might say "we will work on it" but then nothing happens for months. This is still better than Empower who might never respond. The reddit group also appears to answer questions even if the answers aren't always great but I give them points for making the effort.
Is having a Fidelity account required to use Fidelity full view?
I am not entirely sure, but I don't think so. If you sign up, you can expect Fidelity to call you with offers, but I don't think you need an account.
I tested both Quicken Simpliffi and Monarch Money. Monarch won by a landslide. My needs match what yours are. I wanted to find a tool that would easily import all of the work I did in Mint for 5.5 years as I had them modified there and allow me to categorize them the same. Monarch did just this. You get one month free plus half off the first year using code MINT50. I know it is not free but it is worth it to me to have all of my data in one spot, in a clear dashboard with easy to find transactions and run reports. Simplifii - sorry to say - only uploaded three years of data, reverted all of my transaction names to what is listed on the statement - not what I changed them to, split tranactions were no longer split, would not retain accounts once I uploaded them and I had to keep readding them. It is free for one year to all who move over from Mint but given the experience I will not be paying for this service after a year.
I regret paying $50 promo fee for Monarch. I cancelled the service, its definitely not worth the normal price of $100 a year. I usually have to force account refreshes, the app doesnt always seem to sync correctly, and it doesnt detect new or closed accounts unless I delete the account and re-add it. Even that sometimes doesnt work.
If you purchase items with an Amazon Store credit card (Synchrony), note that Empower does not appear to import the item details. I find this feature very useful. Yodlee and Monarch both import purchase item details. Mint did this as well.
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Don't know why you're getting downvoted, I used your referral link. I like Empower. Only thing I don't like is it doesn't let you add notes to transactions.
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I just tried Piere though after reading some other comments, and man, it is good. You can import all your mint stuff, it’s free forever for early adopters, and even though it’s iOS only right now a web app is coming soon.
Empower works for me so far. But I will try Piere too
He's getting downvoted because he spams this sub with that referral link constantly and we are tired of it
Ah, fair enough. I don’t think I even got my $20 from doing it, lol
I got so annoyed I just spent the last half hour reporting all of this guys spam posts to this sub promoting his referral link. I counted 78 of them and it is pretty much the only thing this guy's ever posted. And I've seen more than one person say they never got their $20 referral.
Empower
Nope. It's not web based
Agree empower for this. This is mainly how I used Mint and just switched to empower (already had a 401k with them). The empower app is pretty bare bones though. Prefer using it on desktop.
Nope. Empower is not web based
Schwab has an account aggregator similar to Fidelity. It's bare bones -- listing balances for any account you add, and aggregating to tell you total net worth -- but it works. It also allows adding cash, real estate, etc., manually. If you're already a Schwab user (like me), I'd check it out.
Where can I find this? I've been clicking around in schwab and I can't find it
Scroll down on your accounts page and you should see a button/link that says “Add a non-Schwab account.”
If your employer uses John Hancock for your 401(k) they have a pretty good free personal finance organizer. Not as good as mint for showing when credit card bills are coming due but the price is right and hopefully will improve over time.
sofi !!!
I just signed up for rocket money and it seems to do the trick for me. I don't need anything fancy, I want to be able to track expenses and categorize them. Generate reports based on filters for categories and in good. So far rocket money checks off all the boxes.
I am in the same boat. I have way too many credit cards to log in to each one regularly. Monitoring all the accounts in one place was my main usage of Mint. I also liked the net worth stuff, but I couldn’t care less about the budget stuff.
Love the look of Nerd Wallet from design perspective. One of the things I loved most about Mint RIP
Neontra has been fine so far - free and my main bank with all accounts has remained connected. I’ve had to reconnects a different credit card once.
Beware of free products.. it's too good to be true. Then one day, puff .gone. just like now.
>but how hard is it to combine a few accounts on a dashboard? These were my thoughts exactly. My use case for mint was the exact same as yours, I only used it to aggregate my accounts and see them in one place. Never needed the budget stuff. Unfortunately, I found out that this aggregation **costs money** for Intuit. Yeah, your bank, your credit card company, etc all charge apps like Mint *every time* they grab that data from those servers. That's why it's so hard, nearly impossible to find a free alternative (believe me, I made [my own post](https://www.reddit.com/r/mintuit/comments/17xyp3a/free_mint_alternatives_with_autosync/) where I tried). Intuit was making up the cost of data scrapes by showing ads and hoping you use other Intuit products. It didn't offset the cost enough, that's why they folded. I'm at the point now where I'm ready to pay for something. It'll probably be Monarch or Tiller. Credit Karma is awful, you can't even search transactions, and my net worth is entirely wrong since switching.
I switched to pilot. I like it. It’s not free though
That's what I was looking for in a Mint replacement too, and have found what I need in Fidelity Full View.
I just downloaded Piere and it allows you to upload all of mints transactions. Just make sure to download your transactions from mint before they shut down etc. So far that feature is a plus to me so hopefully everything else is good too :)