Chillar's as a Mint alternative: what carries over and what does not

What happened to Mint

Intuit shut Mint down on 1 January 2024 and pointed its users at Credit Karma, which does not carry Mint's budgeting or category history across. For a lot of people, a decade of categorised transactions became a CSV file, or nothing at all.

Chillar's is a different product from Mint, so this page sets out where the two diverge before you spend an afternoon on a migration.

The honest comparison

The one that matters: no bank sync

Mint filled itself in. Chillar's does not, and that is where some people will stop reading.

What replaces it is a fast manual path plus import. Quick-add parses a whole transaction from one line, 12.50 coffee @cash #food, and a monthly CSV import from your bank covers the rest in one pass. Mint did that work for you, and switching means taking it back.

In exchange, no third party holds your banking credentials, because there is no connection to hold them for. How you weigh convenience against exposure is your call, and people who think carefully about it land in different places.

What Chillar's does that Mint did not

Multi-currency that stays correct. Each account has its own currency; net worth converts every balance to your base currency using rates you can override per pair. An account whose rate is missing contributes zero and labels itself, instead of falling back to 1:1.

Loans between people. Money lent to a sibling or borrowed from a friend, with part-payments and interest tracked separately from principal.

Exports you can leave with. The full JSON export contains every row and imports back into Chillar's, so you can restore from it. Mint's users found out in 2024 that they had no such thing.

It survives a dropped connection. Chillar's installs to a home screen, renders visited pages from cache when the network is gone, and queues transactions you add until you reconnect.

Moving your Mint data across

If you exported from Mint before it closed, that CSV imports directly. The wizard maps the columns with a live preview so you can confirm the date format and the amount sign before it writes anything, and the switching guide covers the verification worth doing afterwards.

If you did not export in time, nobody can recover it. Keep your financial history somewhere you can export from whenever you like.

Who should not switch

If automatic bank sync is the reason you tracked spending at all, Chillar's will not work for you, and a US-focused aggregator with a paid tier fits better. If you need credit-score monitoring, Chillar's does not do it and has no plans to.

If you used Mint as a categorised ledger with budgets, this is a straight replacement — with the one difference that your transactions are never used to pitch you a credit card.