What Mint was, and what Pennydance is
Mint was free because it was paid for by ads and by recommending credit cards and loans. To show your spending, it needed a live connection to your bank and card accounts. When Intuit closed it, it pointed users to Credit Karma, which works the same way.
Pennydance starts from the other end. You log each buy yourself, in about three seconds, by typing or saying it. That means no bank connection, no ad network in the app, and a ledger that stays on your phone. What you get back is a record of what you actually bought, not a list of merchant codes.
Mint vs. Pennydance
| Mint (until 2024) | Pennydance | |
|---|---|---|
| How spending gets in | Automatically, from linked accounts | You log it: type, voice, or a receipt photo with Premium |
| Bank login | Required to sync | Never |
| Paid for by | Ads and financial product offers | Optional plans. Free has no ads. |
| Where your data lives | Intuit's servers | Your phone |
| Cash spending | Only if added by hand | Logged like any other buy |
| Budgets | Per-category budgets | One optional monthly limit, Spending Power |
| Subscriptions | Bill tracking from linked accounts | A subscription list, plus a reminder the day before renewal Plus |
| Credit score, net worth, investments | Yes | No |
Who should pick something else
Pennydance isn't a Mint clone, and it's better to know that before you install it. If you want transactions to import automatically, or you want balances, net worth, investments or a credit score in one place, you want a bank-sync app. Paid options include Monarch Money, YNAB and Copilot Money; Credit Karma is free and funded the way Mint was.
Pick Pennydance if the part of Mint you'd miss is the “where did my money go this month?” screen, and you'd rather not give a company access to your bank to get it.
Switching in ten minutes
- 01 · Subscriptions first“netflix 15.49/mo”Add each one once. They repeat on their own, and you'll see the yearly total straight away.
- 02 · Log as you spendAbout three secondsType or say each buy. Cash counts. Search anything later: “sunglasses”.
- 03 · Check the monthFree reportsCategory donut, daily spend and a calendar. Set a Spending Power limit if you want one.
Questions
What happened to Mint?
Intuit shut Mint down in March 2024 and pointed its users to Credit Karma, which Intuit also owns.
Can I import my old Mint data into Pennydance?
No. Pennydance has no import. Most people find it easier to start fresh: add your subscriptions first, which takes a few minutes, then log buys as you make them.
Is Pennydance free like Mint was?
The Free plan is $0 forever, with 100 new entries a month, subscriptions, full reports and CSV export. Unlike Mint, it is not paid for by ads or financial offers. Plus is a one-time $5.99, and Premium, which adds AI, is $3.99 a month or $39.99 a year.
Mint and Credit Karma are trademarks of Intuit Inc. Monarch Money, YNAB and Copilot Money are trademarks of their owners. Pennydance is not affiliated with or endorsed by any of them. Comparisons describe Mint as it worked before it closed in 2024.