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Beyond Payday — Know what’s left. Plan what’s next.
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A Mint alternative without bank linking

Straight answer first: Beyond Payday has no bank sync. You type in your income, bills, assets and debts (bills, assets and debts can also come in from a spreadsheet), and you update balances yourself. In return you get your net worth, what is left each month after bills, and a plan that never asks for a bank login.

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All switching guides

What happened to Mint

Credit Karma and Beyond Payday, side by side

Mint pointed its users to Credit Karma, so this compares Credit Karma, using only what Intuit and Credit Karma say on their own websites, with a link to each source. The Beyond Payday column describes how Beyond Payday works today.

Facts verified Sep 25, 2026 from each company’s own website (or an archived copy of it); features change — check the provider for current details.

Linking accounts

Credit Karma

Beyond Payday

Beyond Payday does not link to banks or cards, so it never asks for a bank login. Nothing comes in on its own; you keep the numbers current. Everything is entered by you: type in income, bills, assets and debts, or import bills, assets and debts from a CSV, TSV or XLSX file.

Spending and cash flow

Credit Karma

Beyond Payday

There are no transactions to import or categorize. You track recurring income and bills plus account balances, and it shows what is left each month.

Net worth

Credit Karma

  • Mint’s website now says Mint has been reimagined on Credit Karma, and that reviewing transactions, monitoring spending and tracking net worth have a new home there.
    Source: mint.intuit.com (opens in a new tab), verified Sep 25, 2026

Beyond Payday

Net worth comes from the assets and debts you enter. Take a snapshot when you update your numbers, and the dashboard charts your net worth over time.

When Credit Karma may be the better choice

Beyond Payday is not for everyone. Credit Karma may suit you more if:

How switching works

  1. Start with what you have

    A spreadsheet, a recent statement, or a list of your bills and account balances. What moves over is your recurring bills and your balances. Individual transactions do not, because Beyond Payday does not track them.

  2. Import bills, assets and debts, or type them in

    Upload a CSV, TSV or XLSX file on the Import data page, match its columns to Beyond Payday’s fields, and choose which rows to save. Or type each item in by hand.

    How spreadsheet import works

  3. Add your income

    Income is entered by hand, including deductions like 401(k) and health insurance. You can also scan a paystub photo: it fills in an income entry that you then review. The Free plan includes 3 scans in total; Pro and the trial are unlimited.

  4. Take your data with you any time

    The household owner or spouse can export everything as a .zip with a JSON copy and CSV files, on every plan, including Free.

Frequently asked questions

What happened to Mint?
Intuit announced on October 31, 2023 that Mint was going away, and invited Mint users to Credit Karma. Mint’s website now says Mint has been reimagined on Credit Karma.Source: Intuit Credit Karma press release, Oct 31, 2023 (opens in a new tab), verified Sep 25, 2026Source: mint.intuit.com (opens in a new tab), verified Sep 25, 2026
Does Beyond Payday link to my bank?
No. It never asks for a bank login. You type your numbers in or import them from a spreadsheet, and you keep them current.
How do I keep my numbers up to date without bank sync?
Most of what Beyond Payday tracks is recurring, so it stays put: your pay, your bills, your loans. What changes is balances, which you update when you want a fresh picture, then take a snapshot. If you like a nudge, you can turn on a monthly check-in email. Every reminder email is off until you turn it on.
Can I see my net worth over time?
Yes. Net worth comes from the assets and debts you enter. Each snapshot you take is saved, and the dashboard charts them over time, along with milestones you mark.
Is there a free plan?
Yes. The Free plan covers the dashboard, income, bills, assets, debts, net worth, goals, the Scenario Tester, import and export. Pro adds retirement planning, business tracking and Beth, the AI assistant. New accounts start with a 30-day Pro trial with no card needed, and keep the Free plan afterward unless they subscribe.
Can my partner and kids use it too?
Yes. One account covers the household: an owner, a spouse and children, with per-feature permissions for each person. One subscription covers everyone.
Can I use it outside the US?
Not yet. Beyond Payday is built for US households only: amounts are in US dollars, and taxes and Social Security rules are US-only.

Facts verified Sep 25, 2026 from each company’s own website (or an archived copy of it); features change — check the provider for current details.

Current details from each provider: creditkarma.com (opens in a new tab).

Mint, Intuit and Credit Karma are trademarks of their respective owners. Beyond Payday has no affiliation with or endorsement from them.

Beyond Payday is a planning tool, not a financial advisor. Its figures are estimates based on what you enter, not guarantees.

See your big picture, on your terms

Net worth, what is left after bills, and, on Pro, when you could retire. No bank login.

Get started free

30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.