By Fernando in Colorado
I've been using Mint for years and recently started using it consistently. There's a lot to love about this program! I won't go into all of its great features because with this kind of rating, it's obvious that there are many!
Instead, I want to bring up a few minor nits that keep this from being perfect for me. First, there's differences between what you can do on the web version, the iPad version and the iPhone version. For instance, you can only create new tags on the web version. The reports are slightly different. The way you set date ranges are different. It's not intuitively obvious how to do the same function on a different platform. I can manage it, but trying to help my not-quite-as-tech-savvy wife understand why the capabilities and functionality is different on each platform is hard.
The second nit is that across all the platforms, I don't see a way to do multiple filters. For instance, if I want to see all my fuel purchases at king soopers for the last two months, I have to either search for the fuel category and look manually (or export to csv) or by merchant and look manually or... But there's no way to specifically look for all three criteria.
Similarly, when I get a list of transactions in the little pop up window on the web version, there's no way to export just those transactions. I have to copy and paste them out to transfer to a spreadsheet.
Besides these nits, I love the program. I use it daily and am mostly very happy with it!
Great budget app
I love Mint to help me track my spending this is way better for me than the Bank of America tools because the bank site used different categories on different page sections, and I couldn’t create a cohesive easy to understand view. Mint lets me pull in several accounts and credit cards and see everything all together. There are 2 things that bother me. First, it has a great feature for budgeting that allows you to carry over unused funds from month to month. This is great if you want to save up or reward yourself for behaving, but the app can’t tell the difference between overspending and underspending. For example, if your clothing budget is $50 a month and you only spend $25 in one month, the extra $25 will carry over to give my $75 for next month (yay!) but the app shows the budget item as red as if I have overspent and tells me I’m -$25 over budget (boo!). That makes NO sense and throws off my ability to quickly look for the red/yellow/green bars to see if I’m ok on spending and see how much I have available to spend. Also, I wish Mint would “learn” better. There is one restaurant I frequent that always seems to get categorized as a hotel. I have changed the categorization about 200 times. I would like the app to either figure it out or to let me set up an automatic override rule so I don’t have to keep changing the same charge over and over. If they would fix these 2 small things, the app would be perfect for me.
This is the best app ever!
By Hablo espanol.
This is the only app I use for finances and it’s all I need! This has helped me to be on top of budgets, account balances, bills and my credit score. This app would be great for anyone, even if you are starting out with you first savings account. It’s easy and can only be opened with your thumbprint or passcode if you wish. It sends you alerts if you have high spending or if your account balance gets to low. On the budgets you can use their categories and subcategories or create your own. I have only found a way to create them on the website, not on the app but they may have updated since, not sure. Basically everything about this app is customizable as for as organization goes. You can rename your accounts and when transactions come through under a category that may not make sense, you can change the category to fit in with where it goes in your budget. You can even hide transactions from your budgets and trends (there are trends a graphs for everything)!! I use this If say... I bought something for a friend who was going to pay me back with cash, but I didn’t want to take the cash back to the bank to balance the account. I could use this feature to just hide the transaction.
It’s a great app, but there’s room to improve in big ways.
It would be nice to be able to add and edit categories when it comes to transactions. And have more options of linking “bill accounts” like Netflix and things - the selections there are limited. Also, I live with my parents and don’t pay the utilities companies directly, but I give [parents] money towards the rent, utilities, groceries, and insurance(s) every month. So I don’t have an account (like Electricity, gas, phone, water, cable, car/health insurance, etc) to link, because were all on family plans for every thing, but it would be nice if the payments I make to them would help my credit, cause it needs the help. I also don’t make rent payments to a company so those don’t count for me. I have all these bills to pay and none count towards my credit because I can’t link the account and I feel like that’s very unfair. I know I’m not the only person in this kind of situation, a LOT of people live with roommates (at the least - if not parents or grandparents or even siblings) and usually only one person has all the accounts in their name most of the time and the rest of the roommates give them money towards it all every month, I feel like it’s only fair for ALL the people to get credit score points towards all that for keeping up on payments, not just the account holder. Things are hard enough out there these days without being penalized for having roommates.
Great app, couple issues
This is the best budgeting app I’ve had. I’ve tried a few others and nothing compares. I like that I can link my accounts (recurring bills, investments, credit card, checking and saving), set personal budgeting goals, and watch where my money goes each week and month. The app sends alerts to my email when I’ve exceeded a budget.
My issues however started a few weeks ago. For whatever reason, the app has the hardest time syncing my checking and savings account, which I hold thru a small, local bank. I sometimes have to log out, log back in, and sync it a few times before it corrects itself. So my transactions aren’t loading, I’m not getting alerts, and the overall data isn’t correct. The app used to sync on its own before May 2019 started. I’m not sure if it’s a new update that’s causing a glitch, but it sure is annoying. I check the app to monitor my progress a few times a week, and I edit my budgets monthly, so it’s not like I hardly mess with the app. Additionally, the app doesn’t provided any tips or tricks for how to spend less/save more. Some apps I’ve tried had those but didn’t have the personalized budgets, so I switched to this one. Can’t have everything apparently.
Ultimately, I won’t ever leave this app because it provides the bulk of what I’m looking for in the app. I’m just annoyed that the app stopped syncing my accounts without me forcing it to every few days.
Love mint, suggestions for improvement
By Can't stop playing 8642356
Longtime Mint user here. Mint is the best app I’ve found for tracking spending and managing our budget. A HUGE improvement would be to create a feature in the budget tool that allows you to specify that transactions from certain vendors should ALWAYS fall under a certain category in the budget. It seems like Mint eventually “learns” how to categorize some transactions, but it takes forever. Just give me a box to check that says “always categorize transactions from this vendor this way” or something. It gets wearisome having to individually recategorize transactions from the same vendor over and over. For the millionth time, NO, our favorite restaurant, Nose Dive, should not be categorized as “sporting goods” (who even had a sporting good line item in their budget?). And NO, purchases from Pet Supermarket should not be categorized as “groceries.” It would probably be helpful if you would also make it possible to delete budget categories we aren’t using. That might improve Mints ability to better guess where transactions should go.
Another helpful tool would be being able to select multiple transactions and then categorize the whole batch. Then I could select all of my entertainment, shopping, or restaurant transactions and categorize them in one fell swoop.
Come on, Mint! You have a great product, but some of these things seem like common sense.
Needs Small Fixes - Otherwise a Great Product
I love nearly everything about this app. I love seeing all of my information displayed and the overall look and ease of the app. However, I wish they would fix some of the issues they have with the banks and credit unions. When I first connected with them I had no issues then it duplicated most of my accounts. Now I have a few credit union accounts that show all savings, checkings and loans twice. When I asked for assistance with customer service to resolve they advised me to delete the account then reload (but they were not promising this would fix the issue) or just “hide” the duplicate accounts so I do not see them and the app does not use the info. They also said if I deleted the account then I would lose all of my history it has collected. I opted to just hide my duplicate accounts since at that time I had several months of data I would lose and now I would have several years of data I would lose if I were to do it now. I am not satisfied by this and wish I did not have to have “hidden” accounts. Someday I hope they will have a fix where I do not lose all of my previous data the app has collected to get this fixed. It is frustrating but I can live with it if I must. Besides that I have no complaints. They constantly update and add new features which I love. I do refer the app to others.
Has potential but not quite there
This app definitely does what I wanted it to. However there are a few things that make it very hard to use. First the UX is way off for the tabs, the common actions from the overview tab should be spread out into the other tabs because I see myself only using this one tab 95% of the time and scrolling up and down for the common actions is a pain. Maybe add a side menu to make it much easier to select these. Second, it feels like it’s lacking the historical overview and analysis that I want with an app like this. I can add a budget for the current month for something new like bills but this new budget does not get applied to the previous month so I’m unable to see it. This budget should also allow a view to see your trends on it. Another pain is the [Month] Spending section. I can’t view previous months only the current one and when a new month comes You are stuck to only seeing those couple days of transactions. This is very troubling given that the graphs and info provided in this section are very well made yet under utilized. Please update these things and I will consider increasing my rating
TL:DR This app is great for looking at your spending habits yet lacks several features to look into trends and historical data, this restricts it to really only working as a budget tool and makes it nearly impossible to make new analysis on spending habits that haven’t been predefined
Unreliable connection to bank and useless customer service
It used to be a nice app, but this year they failed twice at connecting to bank accounts. Don't take me wrong! I mean constantly not refreshing the balance for days and two months (I canceled the first account while the second account hasn't been fixed by their tech team for more than 2 months now, and I'm still waiting). They must have bugs in the system especially if you try to connect with two account of the same bank, which I believe many married couples do. I have wasted at least 10 hours, literally, in total on tens of emails and live chatting. Yes, they don't have phone call service:( The email customer service representative only asks you questions you have answered many times as if they cannot access previous conversation. For example, I was asked whether the two accounts have the same credential for four time in each case of my two issues. They can also ask you to try something that has been tried many time. Apparently, they just don't want to solve your problem, because your reply will not go to the same person again but randomly someone else. So they just need to say something and their job is done. For the app design, I don't understand why they don't allow you set in-app alert off. For example, I know my backup checking has a low balance and I don't care! I don't need to see low-balance alert constantly. Lastly, if you want to refresh again 10 min after the last refreshing, it won't do it!
It WAS a good app...
I’m annoyed by how ANY little message/offer/notification (includes pop-up or message center) from a creditor’s or service provider’s website will block this app from refreshing account info. Every time I’ve tried to check these “messages” it just takes me to the mint website in the Safari app, which after logging in will then direct me to the creditor’s website to log in again. Is that step really necessary?! Even then, there are often no unchecked messages/ notifications/ or special offers, so I still don’t know what the problem is. Mint is aware of such issues, but does nothing to correct these bugs. Currently this issue involves Spectrum and/or Time Warner Cable accounts that haven’t refreshed since September 2018.
Two other issues I have is that you can’t manually add a fixed APR loan account for banks without a website account login. Not all banks have this feature available to customers who do not have a checking account with them. The second issue is the option to post date or backdate when payments were made is not possible on this app.
Ultimately, I’m disappointed with how much this app has been going downhill over the last year. It was a good app before then, but it seems the developers have given up on regular updates for bug fixes. I’m just about ready to look for another app to replace it.