Intuit Mint (Credit Karma)

The dominant theme across 81 HackerNews comments is deep frustration and disappointment with Intuit's decision to shut down Mint rather than sell or properly integrate it into Credit Karma. Users with 15+ years of Mint history feel abandoned. Multiple commenters argue management is incompetent, with one stating: 'This is a fumble not seen since Skype fell asleep and did nothing during 2021.' The core complaint is that Credit Karma is not a budgeting tool—it's a credit monitoring and financial product marketing platform. One user summarizes: 'So the messaging here is that people should stop budgeting and paying attention to their spending, and instead take on as much debt as possible, as long as they keep their credit score high? Awful.' Users report that Mint's data quality had been declining for years—account connections rotting, duplicate transactions, and categorization that never improved despite hopes for ML. The migration path is unclear: Intuit vaguely promises transaction tracking will come to Credit Karma, but users are skeptical. Most commenters are actively migrating to YNAB (praised for its 'give every dollar a job' philosophy and fraud detection through centralized transaction monitoring) or Monarch Money (founded by Mint's original PM). YNAB users note it's more future-focused and granular, while Monarch offers automated categorization with a cashflow-based approach. Several users complain about 'subscription fatigue' after Mint's free model. Intuit's broader reputation is heavily criticized for lobbying against free government tax filing. Co-founders of competing products (Monarch, Mezzi, Piere) appear in threads pitching alternatives. Some users question Credit Karma's business model: 'If you are not paying for the app, you are the product.' Credit score optimization discussions reveal confusion about utilization ratios, with users debating whether 0% utilization hurts FICO scores.

No aggregate ratings were found for this product during the last harvest.