Mint & Credit Karma Integration Guide: Import Bank Transactions

While Intuit Mint was discontinued in early 2024, many users have migrated to Credit Karma or other personal finance tools. This guide covers importing bank statements into popular Mint alternatives to continue tracking your finances effectively.

Mint Alternatives Overview

With Mint's transition, users have several excellent alternatives for personal finance tracking:

• Credit Karma: Where most Mint users migrated (same Intuit ecosystem)
• YNAB: Zero-based budgeting approach
• Personal Capital: Investment-focused with banking
• Monarch Money: Modern budgeting app
• Copilot: AI-powered finance tracking (iOS)
• Simplifi: Quicken's modern budgeting tool

Importing to Credit Karma

Credit Karma inherited Mint's features and offers automatic bank connections:

Bank Connection Setup

1. Log into Credit Karma
2. Navigate to Money section
3. Click Link Account
4. Search for your bank
5. Enter your banking credentials
6. Transactions sync automatically

Manual Transaction Entry

For accounts without automatic sync:

1. Use the Add Transaction feature
2. Enter date, amount, payee, and category
3. Note: Credit Karma doesn't support bulk CSV imports

Importing to Monarch Money

Monarch Money is a popular Mint alternative with excellent import features:

CSV Import Process

1. Convert your PDF statement to CSV using ConvertBank
2. Log into Monarch Money
3. Go to Settings → Accounts
4. Click Import Transactions
5. Select the target account
6. Upload your CSV file
7. Map columns to Monarch fields
8. Review and import

Monarch CSV Requirements

• Date: Transaction date
• Merchant/Payee: Transaction description
• Amount: Positive for income, negative for expenses
• Category: Optional, can assign after import

Importing to Simplifi by Quicken

Simplifi offers modern budgeting with file imports:

Import Steps

1. Open Simplifi (web or mobile)
2. Go to Settings → Accounts
3. Select your account
4. Click Upload Transactions
5. Choose QFX, OFX, or CSV format
6. Upload and review transactions

Importing to Personal Capital (Empower)

Personal Capital (now Empower) focuses on investment tracking but includes banking:

Account Connection

1. Log into Empower dashboard
2. Click Link Account
3. Search for your bank
4. Complete secure authentication

Note: Empower primarily uses automatic bank connections. Manual CSV imports are limited.

Spreadsheet Alternative

Many former Mint users have found success with spreadsheet-based tracking:

Benefits of Spreadsheets

• Complete control over your data
• No subscription fees (Google Sheets is free)
• Custom categories and reports
• Privacy—data stays with you

Getting Started

1. Convert bank statements to CSV using ConvertBank
2. Import into Google Sheets or Excel
3. Create columns for categories
4. Build pivot tables for spending analysis
5. See our Excel Bank Statement Guide for detailed instructions

Choosing the Right Alternative

Migrating Your Mint Data

If you exported your Mint data before the shutdown:

Working with Mint Exports

1. Locate your Mint export CSV file
2. Open in Excel or Google Sheets
3. Clean up categories to match your new app
4. Split by account if needed
5. Import into your chosen alternative

Troubleshooting Common Issues

Frequently Asked Questions

What happened to my Mint data?

Intuit offered data export before shutdown. If you didn't export, some data may have migrated to Credit Karma. Contact Intuit support for recovery options.

Which alternative is most like Mint?

Credit Karma is the closest since it's also from Intuit. Monarch Money offers similar comprehensive features with better import options.

Can I import years of transaction history?

Yes, using CSV imports. Convert old bank statements with ConvertBank and import them into apps that support CSV (Monarch Money, YNAB, Simplifi).

Are any alternatives completely free?

Credit Karma and Empower (Personal Capital) are free. Google Sheets/Excel provide a free DIY option with full control.

How do I track multiple accounts?

All listed alternatives support multiple accounts. Connect each account separately or import CSV files for each account.