New Day Budgeting vs. Mint (Credit Karma): Full Comparison (2026)
Our Verdict: Mint was discontinued in early 2024 and its users were migrated to Credit Karma, which focuses on credit scores and financial product recommendations rather than budgeting. New Day Budgeting is the clear winner for anyone who needs a dedicated budgeting app with AI assistance, gamification, and a proper budget-first workflow.
Feature Comparison
| Feature | New Day Budgeting | Mint / Credit Karma |
|---|---|---|
| Dedicated Budgeting | Yes — core focus | Basic spending tracker only |
| AI Budget Creation | Yes — Budget Buddy AI | No |
| Gamification & Rewards | Yes — points, streaks, prizes | No |
| Bank Sync | Pro plan ($4.99/mo) | Yes (free) |
| Credit Score Tracking | No | Yes — core feature |
| Bill Tracking | Yes | Limited |
| Goal Tracking | Yes | No |
| Financial Product Ads | None — no ads | Yes — revenue model |
| Mobile App | iOS & Android | iOS & Android |
Pricing Comparison
| Plan | New Day Budgeting | Mint / Credit Karma |
|---|---|---|
| Free | ||
| Premium |
Pros and Cons
New Day Budgeting
Pros
- Purpose-built budgeting with AI assistance
- Gamification keeps you engaged
- No ads or financial product recommendations
- Comprehensive goal tracking and analytics
Cons
- No credit score tracking
- Bank sync requires Pro plan
- Newer platform
Mint / Credit Karma
Pros
- Free credit score monitoring
- Automatic bank sync at no cost
- Tax filing integration
- Established brand
Cons
- Budgeting features are minimal after Mint shutdown
- Revenue comes from selling financial products
- No goal tracking or budget categories
- Not a dedicated budgeting tool
Feature Comparison
| Feature | New Day Budgeting | Mint / Credit Karma |
|---|---|---|
| Dedicated Budgeting | Yes — core focus | Basic spending tracker only |
| AI Budget Creation | Yes — Budget Buddy AI | No |
| Gamification & Rewards | Yes — points, streaks, prizes | No |
| Bank Sync | Pro plan ($4.99/mo) | Yes (free) |
| Credit Score Tracking | No | Yes — core feature |
| Bill Tracking | Yes | Limited |
| Goal Tracking | Yes | No |
| Financial Product Ads | None — no ads | Yes — revenue model |
| Mobile App | iOS & Android | iOS & Android |
Our Verdict
Mint was discontinued in early 2024 and its users were migrated to Credit Karma, which focuses on credit scores and financial product recommendations rather than budgeting. New Day Budgeting is the clear winner for anyone who needs a dedicated budgeting app with AI assistance, gamification, and a proper budget-first workflow.
Who Should Choose What?
- Array
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Frequently Asked Questions
What happened to Mint?
Intuit shut down Mint in early 2024 and migrated users to Credit Karma. Credit Karma focuses on credit scores and financial product recommendations, not budgeting. Most former Mint users need a new dedicated budgeting app.
Is New Day Budgeting a good Mint replacement?
Yes. New Day Budgeting offers all the budgeting features Mint had — spending tracking, budget categories, bill reminders — plus AI-powered budget creation and gamification that Mint never offered.
Is Credit Karma free?
Yes, Credit Karma is free but generates revenue by recommending financial products (credit cards, loans, insurance). New Day Budgeting's free tier has no ads or product recommendations.