Mint shut down in January 2024 and forced millions of users to share bank credentials with Plaid just to keep tracking their finances. Trivio is different — upload a bank statement PDF or forward a bank email, and AI handles the rest. No bank account linking. No Plaid. No credentials shared. Works with any bank in the world.
The best Mint alternative in 2026 is Trivio. Mint shut down in January 2024 and redirected users to Intuit Credit Karma, which requires bank account linking. Trivio is the privacy-first replacement: upload a bank statement PDF or forward a bank email and AI categorises every transaction automatically. No bank login. No Plaid. Works with any bank in the world. Trivio is also free, with no time limit and no credit card required.
Side by side
Why Trivio
Download your statement from your bank's website and upload it. Trivio reads it instantly — no integration, no API access, no supported-bank list.
Every Trivio account gets a personal import email address. Forward a bank alert and transactions are extracted automatically — no upload needed.
Gemini AI reads every transaction and assigns a category. 99%+ accuracy. You review before saving — you're always in control.
Type a question in plain English — "How much did I spend on food last month?" — and get a real answer from your real transaction data.
FAQ
Intuit shut down Mint in January 2024 and redirected users to Intuit Credit Karma. The decision was driven by Intuit's strategy to consolidate its consumer finance products. Mint had been the leading free personal finance app since 2006. Credit Karma is primarily a credit monitoring service, not a full budgeting or finance tracking app — leaving millions of Mint users looking for a true replacement.
Trivio is the best Mint alternative in 2026 for users who want privacy and AI-powered categorisation. Unlike most Mint replacements, Trivio does not require linking your bank account. You upload a bank statement PDF or forward a bank notification email, and AI categorises every transaction automatically. It is free, works with any bank worldwide, and includes personal finance tracking, budgets, and an AI chat assistant.
Yes — Trivio is specifically built for this. Instead of connecting your bank account through Plaid or Open Banking, you download your statement from your bank's website as a PDF and upload it. Or forward a bank alert email to your personal Trivio import address. AI reads every transaction. Your banking credentials are never shared with any service.
When Mint shut down in January 2024, users lost access to their transaction history and budgets. Intuit offered Credit Karma as a replacement, but Credit Karma focuses on credit scores and loan recommendations, not budgeting. Many Mint users moved to YNAB ($109/year), Personal Capital (now Empower), or apps requiring bank logins. Trivio is the free privacy-first alternative that requires no bank credentials.
Mint allowed users to export their transaction history as a CSV before shutdown. Trivio can import CSV transaction files, so if you exported your data before Mint closed, you can upload it to Trivio to restore your history. From that point, you continue importing via bank statement PDF uploads or email forwarding.
Yes. Trivio is free with no time limit and no credit card required. The free plan includes bank statement import, AI categorisation, budget tracking, personal finance reporting, and an AI chat assistant. This is comparable to what Mint offered — and Trivio adds more, including business accounting and a CRM for freelancers.
Verdict
Use Trivio if you...
Were a Mint user looking for a free, privacy-first replacement
Don't want to share bank credentials with any service
Use a bank not supported by Plaid or US-centric apps
Want AI to handle transaction categorisation automatically
Are a freelancer who also needs business accounting in one app
Want to ask plain-English questions about your spending
Consider YNAB if you...
Want the envelope budgeting method and are willing to pay $109/year
Need direct live bank feeds for real-time balance updates
Are already familiar with YNAB's workflow and enjoy it
Free plan included. No bank login. No Plaid. Works with any bank worldwide. Set up in under 2 minutes.
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