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 scanning receipts or entering them manually; 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 free with a small ad too — but a one-time US$3.99 purchase removes ads forever, and the app is 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 by receipt scan or manual entry, 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 AILocal AI modelNo
Receipt OCROn-device, multi-receiptNo
Ask AI about your spendingOn-deviceNo
Auto-categorizationOn-deviceCloud
Tax-year export (PDF + CSV + receipts)AU financial yearNo
Data exportBackup archive / Tax PackYes
AdsOptionalNot removable
PriceFreeFree (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
  • Track expenses from paper receipts — especially for Australian tax time
  • Don't want another subscription

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
  • Need multi-currency tracking (HeyJerni is AUD-focused)

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 tracking with on-device AI receipt scanning, 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 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.
Yes — the full app is free with a small banner ad. Unlike Mint, which monetised your aggregated financial data, HeyJerni's ads are non-personalised and know nothing about you. A one-time US$3.99 purchase removes ads forever; there is no subscription.
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 — scanning receipts as they come — is the cleaner break.
Is my data really private?
Yes. HeyJerni has no servers that receive your expense data. Receipt OCR, categorization and Ask HeyJerni all run on your iPhone with a locally downloaded AI model. Your records sit in an AES-256-encrypted database on your device, and backups are files you create and keep yourself.

Try HeyJerni free

The full app, free. One optional one-time purchase removes ads. Download on the App Store.

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