Methodology | Proactive. Zero-based digital envelope system with a framework based on inspiring behavioral change | Reactive. Streamlined expense tracking with traditional budgeting features |
Transaction tracking | Manual entry, file-based importing, automated importing or a combination of all three | Automated importing with option for manual correction |
Customization | Personalize the names of spending categories, add emojis, or categorize transactions with searchable flags | Limited options for customization |
Account Linking | Third-party import providers for automatic transaction entry or manual entry options | Robust linking capabilities with financial institutions with financial institutions, including loan and investment accounts |
Apple Connection | Almost-instant import of Apple Card, Apple Cash, and Savings with Apple Card transactions | Apple card connectivity for transaction import |
Goal Tracking | Integrated goal and priority-planning, as well as progress-tracking, within your spending plan | The ability to set financial goals and track progress, but as a separate function from your Mint budgets |
Reporting | Detailed reports that reflect financial information trends | Variety of reports and trends on finances |
Credit Cards | Designed to fund credit card spending to avoid creating new debt | Shows available credit—how much more debt you can create—without implementing a plan to pay it off |
Debt Tools | Yes; integrated loan planner to help pay down debt and built-in system to avoid creating new debt | Credit score monitoring and recommendations for credit cards, balance transfers, and other financial products |
Subscription Sharing | Yes; integrated loan planner to help pay down debt and built-in system to avoid creating new debt | Credit score monitoring and recommendations for credit cards, balance transfers, and other financial products |
Effort Investment | Your choice: take a hands-on approach or take advantage of automation options | Minimal amount of effort or control |
Price | Subscription fee (with a free trial) | Free (ad-supported, see below) |
Data Sharing | YNAB doesn’t sell or share your data | The price of Mint is your data |
Availability | 20 years and counting | Service will end on January 1, 2024 |
Mobile App | iOS and Android | iOS and Android |
Customer Support | Live chat, workshops, guides, blog, video series, and more | Help articles, community forum |