An AI financial guardian Mint never had
Mint showed you what already happened. Shelter's AI projects your balance 30 days forward, spots trouble before it hits, and tells you what to do about it.
Mint Alternative
The AI-powered Mint alternative built for what comes next
Mint showed you where money went. Shelter's AI tells you where money is going and what to do about it - with cash flow forecasting, proactive coaching, and an always-on AI financial guardian.
Mint was the go-to personal finance app for millions of users. When Intuit shut it down and pushed users toward Credit Karma, many found themselves looking for something that actually replaced what Mint did best: simple, automatic financial tracking that helps you make better day-to-day decisions. Shelter is designed for ex-Mint users who want that same visibility, plus an AI financial guardian that watches your money and tells you what to do next.
Why Shelter fits
Why people choose Shelter for this use case
The product is built around read-only bank connections, forward-looking alerts, and clear next steps instead of category policing.
Automatic categorization without the bloat
Shelter categorizes transactions automatically and learns from your edits-just like Mint did. But it skips the investment tracking, credit score monitoring, and loan advertisements that cluttered the Mint experience.
Bill and subscription tracking that actually helps
Shelter identifies recurring charges and upcoming bills, then shows you how they fit into your projected cash flow. Canceling a subscription is useful. Knowing whether you can afford dinner this weekend is essential.
Read-only, security-first approach
Shelter uses read-only bank connections through Plaid-your credentials stay with your bank. We can not move money, we can not make payments, and we are not trying to sell you a new credit card.
No third-party ads, no upsells, no data selling
Mint was free because you were the product. Shelter charges a simple subscription because our users are our customers, not our inventory. Your data stays yours.
Common questions
Is Shelter actually a good Mint alternative?
Shelter is built for users who relied on Mint for day-to-day spending awareness and bill tracking. It replaces the core functionality Mint provided-automatic transaction import, categorization, and upcoming bill visibility-while adding cash flow forecasting that helps you plan ahead instead of just reviewing the past.
What did Mint do that Shelter does not?
Mint offered credit score monitoring, investment tracking, and a wide range of partner offers and advertisements. Shelter intentionally skips these features to focus on cash flow, bill timing, and spending awareness. If you used Mint primarily for budgeting and transaction tracking, Shelter covers what you need.
Can I import my Mint data into Shelter?
Shelter connects directly to your bank accounts and starts fresh from your current transaction history. While direct Mint data import is not supported, most users find that Shelter catches up on recurring patterns and subscriptions within the first few weeks of connection.
Is Shelter free like Mint was?
No. Shelter charges a monthly subscription because we do not show ads or sell user data. The tradeoff is a cleaner product, better privacy, and a business model aligned with helping users rather than extracting value from them.
How does Shelter compare to Credit Karma?
Credit Karma-Intuit's suggested Mint replacement-focuses heavily on credit scores and loan products. Shelter focuses on daily financial management: spending tracking, bill timing, and cash flow forecasting. If you want what Mint actually did well, Shelter is closer to that experience.