Mint vs. Quicken vs. WalletHub

Note: Mint is no longer available. Mint and Credit Karma are owned by the same parent company, Intuit. Intuit is positioning Credit Karma as a replacement for Mint and steering Mint users to sign up for a Credit Karma account for their budgeting needs. As a result, we will compare the features that are currently available on Credit Karma in place of Mint.

Mint / Credit Karma vs. Quicken vs. WalletHub: Key Characteristics

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Below, we’ll take a closer look at some of the key differences between the three apps. We’ll also list which app comes out on top for each category.

Mint / Credit Karma vs. Quicken vs. WalletHub: Cost

Winner: WalletHub

Both WalletHub and Credit Karma offer a free plan, unlike Quicken Simplifi. WalletHub’s free account lets you make a budget using your choice of five different budgeting templates, helps you create a debt payoff plan, and gives you a financial timeline so you can view a summary of important financial alerts, among other features. Credit Karma’s free account lets you sync your financial accounts for automatic tracking and gives you monthly insights into your spending.

If you want more functionality, both WalletHub and Quicken offer a premium subscription. Credit Karma does not offer a premium plan with extra budgeting features, and the features it does have are very limited compared to WalletHub’s free plan since it does not give you the ability to make a budget or set savings goals. These features are both available for free on WalletHub. This is why WalletHub wins in the cost category.

Mint / Credit Karma vs. Quicken vs. WalletHub: Automatic Bank Sync

Winner: WalletHub

All three apps allow you to sync financial accounts, such as bank accounts, credit cards and investments, to track your spending and better manage your finances. WalletHub and Credit Karma will automatically load accounts from your credit report into your budget, so you don’t have to add them in manually. However, WalletHub tops this category since you can use the information to build a budget. Credit Karma doesn’t offer a feature that allows you to make a budget.

Mint / Credit Karma vs. Quicken vs. WalletHub: Debt Payoff Plans

Winner: WalletHub

Both WalletHub and Credit Karma offer debt payoff plans to help you find the cheapest and fastest way to get out of debt. These plans let you set a goal for when you want to pay off the debt, and you can see how much you will need to pay monthly to accomplish that goal. Even though both WalletHub and Credit Karma offer their debt payment plans for free, WalletHub wins this category since its tool automatically prefills your debt information from your credit report. Simplifi does not have this feature.

Mint / Credit Karma vs. Quicken vs. WalletHub: Subscription Manager

Winner: Quicken

Both WalletHub and Quicken Simplifi offer a subscription-manager feature that helps you easily find recurring subscriptions that you can cancel if you no longer need them. Quicken Simplifi has a slight lead in this category since you can set bill reminders for the recurring subscriptions, so you don’t forget about them. Credit Karma does not offer a similar feature.

Mint / Credit Karma vs. Quicken vs. WalletHub: Account Sharing

Winner: WalletHub

Both WalletHub and Quicken Simplifi offer account sharing, which allows you to share your account with your family members and friends. This can help you manage your household finances better since you can get input from others. These apps also give everyone separate logins.

Quicken Simplifi lets you share your account with one other person, while WalletHub allows you to share your account with up to five other people. That is why WalletHub wins in this category. Credit Karma does not offer an account-sharing feature.

Mint / Credit Karma vs. Quicken vs. WalletHub: Budgeting Templates

Winner: WalletHub

Quicken Simplifi offers users only one way to budget. WalletHub has five different strategies/templates people can use, allowing users to do simple budgeting with their total income and expenses only or use strategies like the 50/30/20 rule, the pay-yourself-first method, envelope budgeting, or micro-envelope budgeting. This allows users to design a budget that works best for their situation, and it’s why WalletHub wins this category. Credit Karma does not offer users the ability to create a budget on their account.

Mint / Credit Karma vs. Quicken vs. WalletHub: Customer Support

Winner: Quicken Simplifi

Credit Karma offers a live chat on the web and in the app. However, Quicken Simplifi offers phone support along with a live chat. With the multiple ways to reach a customer support agent, Quicken Simplifi tops this category.

Mint / Credit Karma vs. Quicken vs. WalletHub: Non-Budgeting Features

Winner: WalletHub & Credit Karma

WalletHub and Credit Karma both offer many non-budgeting features, such as access to your credit score and report, a credit score stimulator and identity theft monitoring – all at no cost to you since these features are included in the free plan. That is why the two apps tie in this category. Quicken Simplifi does offer some non-budgeting features, like access to your credit score and net-worth tracking, but you have to pay to access these features.