A Mint alternative without bank linking
Beyond Payday is for people who liked Mint’s big picture but want it without bank linking or transaction sorting. If you want connected accounts, Credit Karma may suit you.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Why people switch to Beyond Payday
No bank login, ever
Type your numbers in or import a spreadsheet.
No transactions to sort
Recurring income and bills plus balances. That’s it.
Retirement, month by month
On Pro, see your money to age 95 with Social Security and pensions.
The whole household
Owner, spouse or partner, and kids, with per-person permissions.
What happened to Mint
- Intuit announced on October 31, 2023 that Mint was going away, and invited Mint users to Credit Karma.
Source: Intuit Credit Karma press release, Oct 31, 2023 (opens in a new tab), verified Oct 1, 2026 - Intuit’s own Mint blog post about the change says Mint is going away.
Source: Intuit Mint blog post (Internet Archive copy) (opens in a new tab), verified Oct 1, 2026 - 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 Oct 1, 2026
Beyond Payday and Credit Karma at a glance
Yes (their site says so) No (their site says so) Couldn’t confirm
| Feature | Beyond Payday | Credit Karma |
|---|---|---|
| Price | Free plan, or Pro at $9/mo or $90/yr | Yes, their site says so: Freesource: Credit Karma cash-flow page, checked Oct 1, 2026 (opens in a new tab) |
| Free plan | Yes. Income, bills, net worth, goals and debt payoff | Yes, their site says so: Yessource: Credit Karma cash-flow page, checked Oct 1, 2026 (opens in a new tab) |
| Free trial | Yes. 30 days of Pro, no card needed | Couldn’t confirm on their site |
| Links bank accounts | No. By design: no bank login needed | Yes, their site says so: 17,000+ institutionssource: mint.intuit.com, checked Oct 1, 2026 (opens in a new tab) |
| Household sharing | Yes. Owner, spouse or partner, and kids, with per-person permissions | Couldn’t confirm on their site |
| Retirement plan | Yes. On Pro: month by month to age 95 | Yes, their site says so: Retirement calculatorsource: Credit Karma retirement calculator, checked Oct 1, 2026 (opens in a new tab) |
| Social Security timing | Yes. On Pro: any claiming age 62–70, spousal and survivor | Couldn’t confirm on their site |
| Debt payoff plan | Yes. Free: avalanche or snowball, with a debt-free date | Yes, their site says so: Debt repayment calculatorsource: Credit Karma debt repayment calculator, checked Oct 1, 2026 (opens in a new tab) |
| Business tracking | Yes. On Pro: one or more businesses | Couldn’t confirm on their site |
| AI assistant | Yes. On Pro: Beth answers from your own numbers | Yes, their site says so: Intuit Assistsource: Credit Karma press release: Intuit Assist, checked Oct 1, 2026 (opens in a new tab) |
| Connects to ChatGPT & Claude | Yes. Connect either one to your own data | Couldn’t confirm on their site |
| Data export | Yes. Every plan: a .zip of JSON and CSV files | Couldn’t confirm on their site |
| Tracks transactions | No. By design: no transaction busywork | Yes, their site says so: Yessource: mint.intuit.com, checked Oct 1, 2026 (opens in a new tab) |
| Platforms | iPhone, Android and Windows apps, plus a web app you can install on any phone or computer | Yes, their site says so: Web, iOS, Androidsource: Credit Karma: Credit Karma app, checked Oct 1, 2026 (opens in a new tab) |
| What’s left after bills | Yes. Yes, from the bills you enter | Yes, their site says so: Yessource: Credit Karma cash-flow page, checked Oct 1, 2026 (opens in a new tab) |
| Net worth over time | Yes. Yes: snapshots charted on your dashboard | Yes, their site says so: Yessource: Intuit Credit Karma press release, Oct 31, 2023, checked Oct 1, 2026 (opens in a new tab) |
Based on each company’s own website, checked Oct 1, 2026. A – means we couldn’t confirm it on their site; features change, so check with them. Beyond Payday isn’t affiliated with Credit Karma.
Something wrong or missing? Let us know and we’ll review it and update this page.
Beyond Payday is a great fit if…
- You liked Mint’s big picture but not the transaction sorting.
- You’d rather not connect your bank accounts.
- You want net worth and retirement in one place.
Might not be for you if…
- You want accounts connected so numbers update on their own.Source: mint.intuit.com (opens in a new tab), verified Oct 1, 2026
How switching works
Import or type in your bills, assets and debts
CSV, TSV or XLSX files work. Transactions don’t carry over — Beyond Payday doesn’t track them. How import works
Add your income
Type it in, or scan a paystub photo and review what it fills in (3 scans on Free, unlimited on Pro).
Leave any time with your data
Export everything as a .zip of JSON and CSV files, on every plan.
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 Oct 1, 2026Source: mint.intuit.com (opens in a new tab), verified Oct 1, 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 or partner, and children, with per-feature permissions for each person. One subscription covers everyone.
- Can I use it outside the US?
- No. Beyond Payday is built for US households only: amounts are in US dollars, and taxes and Social Security rules are US-only.
Other comparisons
- Beyond Payday vs YNAB
- Beyond Payday vs Monarch Money
For households that want to plan together without connecting bank or card accounts.
- Beyond Payday vs Rocket Money
For people who want to plan bills, net worth and retirement from numbers they enter, without linking accounts.
- Beyond Payday vs Copilot Money
For households that want the big picture without connecting accounts or categorizing transactions.
- Beyond Payday vs Empower
For people who want household cash flow and a month-by-month retirement plan without linking accounts.
- Beyond Payday vs ProjectionLab
For households that want a month-by-month retirement plan alongside their monthly bills, debts and net worth.
- Beyond Payday vs Boldin
For households that want a month-by-month retirement plan alongside their monthly bills, debts and net worth.
- Beyond Payday vs Quicken Simplifi
For households that want to see what is left each month without connecting bank or card accounts.
- Beyond Payday vs Tiller
For spreadsheet people who would rather use an app, and still import and export spreadsheet files.
Facts verified Oct 1, 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.
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.