PocketGuard vs. Mint vs. WalletHub

Note: Mint is no longer available. Intuit, Mint’s parent company, shut down Mint and encouraged former Mint users to sign up for Credit Karma, a company also owned by Intuit, as a Mint replacement. That is why we will compare the latest features that are currently available on Credit Karma in place of Mint. Credit Karma allows you to view your spending broken down by categories and compare how your current spending differs from the previous month, but it lacks the same budgeting features Mint had when it was around, such as the ability to create a budget or set and track savings goals.

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

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Below, you can get more information about the difference between these apps. We will also highlight which app wins in each category.

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

Winner: WalletHub

All three apps offer a free plan. WalletHub’s free account offers users the ability to make budgets, create debt payoff plans, import transactions, view a timeline of important financial alerts, and track their net worth, among other things.

PocketGuard’s free account lets users do things like create a budget, sync their financial accounts for automatic tracking, and split a transaction into multiple categories. Credit Karma’s free account lets users sync their financial accounts for automatic tracking but does not offer the ability to make a budget or set savings goals.

If you want more advanced budgeting features and decide to opt for a paid subscription, WalletHub’s premium plan costs less than PocketGuard’s paid plan, costing just $2.99/month for the first year ($7.99/month after that). PocketGuard’s premium plan costs $12.99 per month, and Credit Karma does not have a premium plan with advanced budgeting features.

WalletHub’s takes the category with its expansive budgeting features available for free and the inexpensive cost of its premium account.

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

Winner: WalletHub

All three apps allow you to sync your financial accounts, such as bank accounts, credit cards, and investments, to have your expenses automatically tracked. In addition, both WalletHub and Credit Karma will automatically load accounts from your credit report, so you don’t have to add all the details in manually.

However, WalletHub has the edge since you can use the information to make a budget right from your account. Credit Karma does not give you the ability to make a budget. WalletHub will also analyze your expenses and recommend ways for you to save money, unlike Credit Karma.

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

Winner: WalletHub

WalletHub, Credit Karma, and PocketGuard all offer debt payoff plans to help you find the quickest way out of debt at the lowest cost. 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.

While users must pay for a premium account to get access to PocketGuard’s debt payoff plan, WalletHub and Credit Karma users can access this feature for free. WalletHub wins out over Credit Karma, though, since accountholders can use the information to make a budget right from their account. Credit Karma does not have a feature that allows users to make a budget.

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

Winner: WalletHub

WalletHub and PocketGuard have an account-sharing feature for collaborative budgeting, unlike Credit Karma. PocketGuard allows you to share your account with just one other person, though, and you will have to share the same login credentials. WalletHub, on the other hand, lets you share your account with up to five other people, and everyone will get their own separate login credentials. That is why WalletHub wins this category.

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

Winner: WalletHub

Credit Karma does not have a tool that allows users to make a budget, and PocketGuard only offers users two ways to organize their budget. WalletHub has five different templates/strategies that people can use, putting it on top in this category.

WalletHub users can follow the 50/30/20 rule or use the pay-yourself-first strategy, envelope budgeting, or micro-envelope budgeting. Users can also budget with their total income and expenses only. In addition, WalletHub lets users customize their budget categories, so they can add categories or hide the ones they don’t need.

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

Winner: Credit Karma

Both Credit Karma and PocketGuard offer chat support, giving users a faster way to get their questions answered compared to emailing. However, PocketGuard’s chat is answered by an AI chatbot, and it is only designed to answer basic questions. Credit Karma’s chat support, on the other hand, is answered by a human support team member. That is why Credit Karma wins this category.

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

Winner: WalletHub & Credit Karma

WalletHub offers many non-budgeting features, such as access to your credit score and report, credit monitoring, identity monitoring and customized credit analysis. You get access to these features and more for free since they are included in a basic WalletHub account. If you want more advanced features, Wallet Premium lets you easily lock and unlock your TransUnion credit report, automatically track your investments, and customize your dashboard any way you like – just to name a few premium perks.

Credit Karma also gives you free access to things like your credit score and report, credit monitoring and credit analysis. PocketGuard does not have as many non-budgeting features.