Mint

What Mint does

Mint is a U.S.-focused consumer personal finance management platform that aggregates users' financial accounts from more than 17,000 banks, credit unions, and investment institutions into a single dashboard for budgeting, spending tracking, and net worth monitoring. The service is offered free to consumers and is operated as a product line of Intuit Inc., with Intuit Financing Inc. (IFI, DBA Intuit Mint) acting as the regulated subsidiary that supplies ancillary lending-adjacent features. Core technology is financial account aggregation plus credit reporting integration, with TransUnion serving as the third-party processing agent for free credit scores and monitoring, and Equifax reports surfaced through the broader Intuit/Credit Karma stack.

The product surface spans a web platform at mint.intuit.com, iOS and Android mobile apps, and a paid Mint Premium subscription that adds advanced automations, an ad-free experience, subscription-cancellation assistance, and access to third-party bill negotiation via Billshark. Monetization is multi-stream: advertising on the free tier, Mint Premium subscriptions billed annually with auto-renewal, and affiliate/referral fees from partner lenders (personal loan matching via IFI), credit products, and Billshark. Mint has historically targeted individual U.S. consumers seeking free budgeting and credit-monitoring tools and is positioned as part of the broader Intuit consumer finance ecosystem alongside TurboTax, QuickBooks, Credit Karma, and Mailchimp.

In 2024, Intuit migrated popular Mint features — transaction review, spending monitoring, and net worth tracking — into Credit Karma, with the Mint homepage directing new sign-ups to Credit Karma. The mint.intuit.com domain remains operational, but the standalone Mint brand is being repositioned as a thin front-end and routing layer to Credit Karma's consumer finance platform, while IFI continues to operate the personal loan matching service under the Mint umbrella with state-level lending and broker licenses across 17+ U.S. jurisdictions.

Name

Mint

Legal name

Intuit Inc.

Website

https://mint.intuit.com

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Mint is a U.S. consumer personal finance platform owned by Intuit that aggregates accounts from 17,000+ financial institutions for free budgeting, spending tracking, net worth monitoring, and credit score services, with a paid Premium tier and affiliate-driven lending and bill negotiation features.

Ownership category

akta.pro rank

Headquarters

HQ city

Mountain View

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Marketing or Sales, Personnel, Infrastructure, Operations

Revenue model

1. Freemium / Advertising: The free version of Mint is supported by advertising. The platform displays targeted ads and promotional content to free users, generating revenue from advertisers seeking Mint's user base.
2. Mint Premium Subscription: Paid subscription tier (Mint Premium) unlocks advanced features, automations, and ad-free experience. Subscriptions auto-renew annually or on a recurring interval.
3. Personal Loan Referral / Affiliate: Intuit Financing Inc. (IFI) matches customers with personal loan offerings from partner lenders. IFI does not charge consumers fees for this matching service but may receive compensation from lenders.
4. Bill Negotiation Service (Billshark): Third-party Bill Negotiation service provided by The Bill Reduction Company, LLC (Billshark). Mint may receive a fee from Billshark in connection with user utilization of this service.
5. Credit Products and Services: Revenue from recommending additional credit products and services, including third-party offerings from TransUnion and other partners.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Mint is a free personal finance management platform that lets individual consumers link accounts from more than 17,000 financial institutions to view transactions, track spending by category, monitor budgets, follow net worth, and access free credit scores in one place. It operates as part of Intuit Inc.'s consumer finance portfolio alongside TurboTax, QuickBooks, and Credit Karma, with its popular features having been migrated to Credit Karma in 2024.

Product overview

Mint is a financial management platform consisting of a core free product (online budget tracker and money management tool) plus premium subscription add-ons. The core platform enables users to link accounts from 17,000+ financial institutions, track spending, monitor net worth, and access credit scores. Mint Premium (paid tier) unlocks advanced features, automations, and ad-free experience. Additional services include Credit Score Services (providing free credit scores and monitoring via TransUnion), Bill Negotiation (through third-party Billshark), and Subscription Cancellation assistance. The platform also provides educational content for retirement planning and investing. Popular Mint features have been migrated to Credit Karma (also part of Intuit) as of 2024.

Differentiator

Problem solved

Functional benefit

Products and services

• Mint (Core Free Platform) Free online budget tracker and money management platform that lets users link accounts from 17,000+ financial institutions, review transactions, track spending by category, and monitor net worth in one place. Targeted at individual U.S. consumers.
• Mint Premium Annual subscription tier that unlocks advanced Mint features and automations, including subscription cancellation, plus an ad-free experience. Auto-renews unless canceled at least 48 hours before period end.
• Credit Score Services Provides free credit scores, credit monitoring and alert services, credit score updates, and interactive credit education tools. Powered via third-party processing agent TransUnion for U.S. users.
• Mint Mobile App Mobile application available on iOS and Android that provides access to Mint's financial tracking and money management features on mobile devices.
• Bill Negotiation (via Billshark) Service that helps users negotiate lower prices on recurring bills, delivered through third-party partner Billshark (The Bill Reduction Company, LLC), which works on the user's behalf.
• Personal Loan Matching (via Intuit Financing Inc.) Matches Mint users with personal loan offerings from partner lenders across multiple U.S. states, operated by Intuit Financing Inc. (NMLS #1136148). No consumer fees; IFI may receive compensation from lenders.
• Subscription Cancellation Service within Mint Premium that lets users request cancellation of recurring subscriptions to third-party products or services, facilitated by third-party service providers on the user's behalf.

Quantifiable outcome

• Users can link accounts from more than 17,000 financial institutions
• +1 more outcomes

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• Credit KarmacoreStrategic or Co-development PartnerMint features have been reimagined and integrated into Credit Karma. Popular Mint features including budget tracking, spending monitoring, and net worth tracking have migrated to Credit Karma, which is also part of Intuit. This represents a strategic consolidation of personal finance tools within the Intuit ecosystem.
• TransUnioncoreTechnology or IntegrationTransUnion serves as the processing agent for Mint's Credit Score Services. They provide consumer credit reports, scores, and historical data to enable Mint's free credit monitoring features for U.S. users.
• Intuit Financing Inc. (IFI)coreOthersIntuit Financing Inc. (d/b/a Intuit Mint) is a subsidiary of Intuit Inc. that operates the personal loan matching service within Mint. IFI matches customers with potential personal loan offerings from partner lenders across various U.S. states.
• 17,000+ Financial InstitutionscoreTechnology or IntegrationMint connects to over 17,000 financial institutions to enable account aggregation, allowing users to link and monitor their accounts from banks, credit unions, investment firms, and other financial entities in one centralized view.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Others

• Plaid: Financial data aggregation infrastructure provider connecting applications to bank accounts. Comparable as the underlying data layer enabling Mint's 17,000+ institution connectivity — an enabler rather than direct competitor.

Direct peers

• YNAB (You Need a Budget): Subscription-based budgeting app built around the zero-based budgeting methodology. Competes with Mint on budget tracking and transaction categorization, but uses a paid-only model targeting engaged budgeters.
• Quicken Simplifi: Subscription-based budgeting and money management app from Quicken, offering account aggregation, spending plans, and savings goals. Directly comparable to Mint Premium's budgeting and account-linking capabilities.
• Monarch Money: Subscription-based personal finance platform offering budgeting, account aggregation, net worth tracking, and collaborative financial planning. A newer entrant competing directly with Mint's premium tier on a modern, ad-free experience.
• Copilot Money: iOS-first personal finance app focused on budgeting, transaction categorization, and investment tracking with a polished subscription-only experience. Competes with Mint on transaction monitoring and net worth features for mobile-centric users.
• Rocket Money (Truebill): Subscription-based personal finance app offering budgeting, bill negotiation, subscription cancellation, and net worth tracking. Directly competes with Mint on subscription cancellation and bill negotiation features, with a subscription-only (no ads) model.
• Credit Karma: Intuit-owned personal finance platform offering free credit scores, credit monitoring, and financial product recommendations. Most directly comparable to Mint as the destination for migrated Mint features in 2024, and serves the same consumer finance use cases.
• Empower Personal Dashboard: Free personal finance and net worth tracking tool (formerly Personal Capital), with premium wealth management services. Directly competes with Mint's net worth tracking, account aggregation, and investment tracking features.

Broad incumbents

• NerdWallet: Personal finance content and product comparison platform offering free credit scores, financial product recommendations, and educational content. Overlaps with Mint's credit monitoring and financial product referral monetization.
• Bank of America (Merrill Edge): Major U.S. bank with embedded personal financial management features (spending tracking, budgeting, net worth) within its mobile banking app. Competes with Mint as a bundled banking-PFM offering for banked customers.

Market position

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/mint
• YouTubeyoutube.com/user/MintSoftware
• Facebookfacebook.com/mint
• Instagraminstagram.com/mintapp
• LinkedInlinkedin.com/company/mintbills

Compliance18 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds5 records

Investors9 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments3 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mint