Rohi Money vs Mint

What to Use Now That Mint Is Gone

If you're reading this, there's a good chance you were a Mint user. Maybe you relied on it for years — checking your spending, glancing at your net worth, keeping a loose eye on where your money went. Then, in March 2024, Intuit shut it down and told everyone to move to Credit Karma.

For a lot of people, that transition was rough. Credit Karma dropped most of the budgeting features that made Mint useful — no custom categories, no real budget creation, no transaction splitting, no savings goals. It kept the account aggregation and the net worth view, but the actual budgeting? Gone.

So if you're one of the millions of people still looking for a real replacement, here's how Rohi compares to what Mint used to offer — and where it goes further.

What Mint Did Well (and What Credit Karma Lost)

Let's be fair to Mint. It was free, it connected to your banks, and it gave you a clean dashboard showing your spending, net worth, and account balances. For people who wanted passive awareness of their finances without a lot of hands-on work, it was great.

But Mint had real limitations even before it shut down. It was primarily a rearview mirror — it could tell you where your money went last month, but it couldn't tell you what was coming next week. There was no forecasting, no cash flow projection, and no real way to plan ahead. It was a spending tracker, not a budgeting tool.

Credit Karma kept the rearview mirror and removed even that. No monthly budgets, no custom categories, no transaction splitting. What's left is essentially a credit score app with a spending summary bolted on.

Where Rohi Picks Up

Rohi was built to do what Mint never could: help you look forward.

Forecasting — The Feature Mint Never Had

This is the biggest difference. Rohi's forecast engine projects your income, expenses, and account balances into the future on a rolling timeline. You can scroll through upcoming months and see exactly when bills are due, what your balance will look like after they hit, and whether you're heading toward a shortfall.

Mint could show you that you spent $400 on dining last month. Rohi can show you that if you keep spending at that rate, you′ll be $200 short when rent hits on the 1st.

That's a fundamentally different kind of useful.

A Real Dashboard, Not a Credit Score Page

Rohi's dashboard gives you a Financial Health Score (0-100, color-coded), an income vs. expenses summary for the last 30 days, spending by category with an interactive pie chart, budget variance analysis, and unallocated transaction tracking. It's the kind of at-a-glance overview Mint users loved — but with actual budgeting intelligence behind it.

Credit Karma's dashboard, by contrast, is built around your credit score and financial product recommendations. That's useful for a different purpose, but it's not budgeting.

Bank Connections That Work

Like Mint, Rohi connects to your banks via Plaid with OAuth. It supports checking, savings, credit cards, loans, and investment accounts, and syncs balances in real time.

You can also create manual accounts for anything outside your bank connections — something Mint supported and Credit Karma made harder.

Budgeting That Actually Exists

This sounds obvious, but it matters: Rohi lets you create and manage actual budgets. Recurring budget items with flexible recurrence patterns, over-budget detection with visual indicators, search and filter by category or account, and transfer tracking between accounts. Credit Karma doesn't offer any of this. Mint offered some of it but lacked the forecasting integration that makes Rohi's budgets actionable.

Transaction Management Without the Tedium

Rohi's forecast view lets you drag and drop transactions onto budget items, split them between categories, drag them onto savings goals or debts, and hide the ones that don't matter. You can also add placeholder transactions for expected charges that haven't synced yet — and when they do sync, Rohi matches them automatically.

Mint let you categorize transactions, but splitting was limited and there was no drag-and-drop workflow. Credit Karma removed transaction splitting entirely.

Savings Goals and Debt Payoff

Mint had basic savings goals. Credit Karma dropped them. Rohi gives you dedicated savings goals with target amounts, deadlines, visual progress bars, and recurring contribution scheduling — all integrated into the forecast so you can see how your savings plan affects your projected balances.

For debt, Rohi lets you track multiple debts with original vs. current balance, target payoff dates, progress visualization, and links to budget payment plans. Mint had minimal debt tracking. Credit Karma has none in a budgeting context.

Net Worth and Reports

Rohi includes a full net worth view — assets minus liabilities, broken down by account — with asset value tracking for things like a car's value vs. its loan balance. It also offers detailed reports: income vs. expenses, spending by category, account activity, budget variance, unallocated transactions, and savings progress, all with flexible date ranges and filters.

Mint had a net worth view and basic reports. Credit Karma kept net worth but gutted the reports.

Pricing

Mint was free, and Credit Karma is free — but you get what you pay for. Credit Karma makes money by recommending financial products, which means the app is designed around getting you to apply for credit cards and loans, not around helping you budget.

Rohi offers a free version with manual syncing, so you can try the full experience without paying anything. For automatic bank syncing and the complete feature set,

Rohi is just $6/month with the Founder′s Special (available through May 1), and students pay only $4/month.

You're paying for a tool that's actually built to help you manage your money — not sell you someone else's.

Who Should Choose What?

Rohi is the better fit if you:

• Loved Mint's dashboard and account aggregation but wanted real budgeting tools

• Want to see what's coming financially, not just what already happened

• Need savings goals, debt tracking, and net worth in one place

• Want a clean, visual interface without upsells and credit card ads

• Are willing to pay a modest amount for a tool that's actually designed around your budget

Credit Karma might be enough if you:

• Mostly care about monitoring your credit score

• Want free account aggregation without budgeting features

• Don't need to create budgets, set savings goals, or track debt payoff

• Are comfortable with an app that monetizes through financial product recommendations

The Bottom Line

Mint's shutdown left a real gap. Credit Karma filled the account aggregation piece but abandoned the budgeting tools that made Mint matter to people. If you've been looking for something that picks up where Mint left off — and actually goes further with forecasting, savings goals, debt tracking, and a real financial dashboard — Rohi is worth a look.

You shouldn't have to settle for a credit score app when what you actually need is a budgeting tool that helps you see what's ahead.

Ready to move on from Mint? Try Rohi today.