Mint shut down March 2024

HeyJerni vs Mint — the Mint alternative that keeps your data on your iPhone

Mint was retired by Intuit on March 23, 2024. If you're looking for a Mint replacement that doesn't connect to your bank, doesn't sync to the cloud, and doesn't require an account, HeyJerni is built for you.

TL;DR

HeyJerni is a privacy-first expense tracker for iPhone with 100% on-device AI. You log expenses by voice or by scanning a receipt; nothing is sent to a server.

Mint relied on Plaid to read your transactions from your bank. HeyJerni does not connect to any bank. There is no Plaid, no cloud sync, and no account.

Mint was free, ad-supported, and discontinued. HeyJerni is paid (pay-what-you-want $2.99–$9.99/month, first month free), ad-free, and actively maintained.

If you came to Mint for automatic bank import, HeyJerni is not a 1:1 swap — it is the opposite trade-off (you log manually or by voice, in exchange for total privacy).

Feature comparison

FeatureHeyJerniMint
Status (2026)Live on App StoreDiscontinued March 2024
Bank account linkingNo bank linking, everVia Plaid
Cloud sync of transactionsLocal onlyYes
Account / sign-up requiredNoYes
Works offlineYesNo
On-device AIApple Neural EngineNo
Voice inputYesNo
Receipt OCROn-deviceNo
Auto-categorizationOn-deviceCloud
iCloud backup (optional)Yes—
Data exportJSON / CSVYes
AdsNoYes
Price$2.99–$9.99/mo (PWYW)Free (discontinued)
PlatformsiOS onlyiOS, Android, Web

Who HeyJerni is for

Good fit if you

  • Want a Mint replacement that doesn't connect to your bank
  • Care more about privacy than automatic transaction sync
  • Use an iPhone and want a native, offline app
  • Are okay logging expenses by voice or receipt scan
  • Don't want another subscription you can't control

Not a fit if you

  • Need automatic bank transaction import (use Monarch or Copilot Money)
  • Use Android or only the web (HeyJerni is iOS-only)
  • Want investment, credit score, or bill negotiation features
  • Refuse any paid app and need a 100% free option

Frequently asked questions

What's the best Mint alternative for iPhone in 2026?
It depends on what you valued about Mint. For automatic bank-linked sync, Monarch Money and Copilot Money are the closest. For privacy-first manual tracking with on-device AI, HeyJerni is built specifically to replace Mint without any of Mint's data sharing. We're not pretending HeyJerni is a 1:1 swap for everyone — it's the opposite trade-off.
Does HeyJerni connect to my bank like Mint did?
No. HeyJerni has zero bank integrations. There is no Plaid, no Yodlee, no Finicity, and no cloud sync. You enter expenses by voice (e.g. "Coffee $4.50"), by scanning a receipt with your camera, or by manual entry. This is the central design choice — privacy as architecture, not policy.
Is HeyJerni really free? Mint was free.
HeyJerni is paid, but uses a pay-what-you-want subscription model. The three tiers ($2.99, $5.99, $9.99/month) all unlock identical features — you choose what to pay based on how much you value the app. The first month is free. Mint was free because Intuit monetized your aggregated financial data through ads and offers; HeyJerni's business model is direct payment instead.
Why did Mint shut down?
Intuit acquired Mint in 2009 and announced its shutdown in October 2023. The app was officially retired on March 23, 2024, and existing users were migrated to Credit Karma. Mint had not been a profit center for Intuit, and the ad/affiliate revenue model never matched the cost of running cloud bank-aggregation infrastructure.
Can I import my Mint transaction history into HeyJerni?
Not directly. HeyJerni doesn't import bank-format CSVs from Mint exports — because HeyJerni's data model is privacy-first (no merchant database, no enriched metadata, etc.) and importing Mint's data wouldn't add useful structure. Most users find that starting fresh with HeyJerni — using voice or receipt scanning for new expenses — is the cleaner break.
Is my data really private?
Yes. HeyJerni has no servers that receive your expense data. Voice transcription, receipt OCR, and categorization all run on your iPhone via Apple's Neural Engine. If you opt into iCloud backup, encrypted data syncs to your personal iCloud account — Apple controls that, not us, and we cannot read it.

Try HeyJerni free for the first month

Pay what you want after that. Same features in every tier. Download on the App Store.

Download on App StorePricing