Mint shut down in January 2024 after more than 15 years as the default personal finance app for millions of people. If you are reading this because you used Mint and are wondering what to use next, this guide is for you.
The short answer: Venaya does things Mint never did. But it is worth understanding what Mint was actually good at before deciding whether Venaya is the right fit.
What Mint did well
Mint's core strength was automatic transaction sync. You connected your bank accounts and credit cards, and Mint would pull in everything automatically and try to categorise it. For people who wanted a passive overview of where their money was going, it worked reasonably well for a free product.
Mint also showed a simple credit score, basic budgets by category, and a net worth tracker that pulled balances from all linked accounts. The interface was busy, but the data was there.
Where Mint fell short
- It never told you whether your finances were actually healthy — just how much you spent.
- The automatic categorisation was frequently wrong and required constant manual correction.
- It was US-only and never supported multiple currencies.
- Ads for financial products were embedded throughout the experience.
- It did not adapt to your life stage, income type, or financial goals.
What Venaya does differently
Venaya starts with a different question: not 'where did your money go?' but 'are you financially okay?' The 0–100 Venaya Score looks at your saving rhythm, emergency fund, budget pressure, debt, goals, and overall financial confidence — and gives you a single honest signal with a breakdown of what to improve first.
Unlike Mint, Venaya does not require a bank login to be useful. You can start manually, track your spending by adding transactions, set budgets, and build goals — all without sharing any bank credentials. For many people, this is not a limitation. It is the point.
Venaya also works in 150+ currencies and adapts its dashboard based on your life stage. A student sees different priorities than someone who is self-employed or between jobs.
Head-to-head comparison
- Bank connection: Mint required it. Venaya makes it optional.
- Financial health score: Mint had none. Venaya scores 0–100 with signal breakdowns.
- Multi-currency: Mint was US-only. Venaya supports 150+ currencies.
- Life stage awareness: Mint showed one dashboard to everyone. Venaya adapts by stage.
- Ads: Mint was built around them. Venaya has none.
- Pricing: Both offer free tiers. Venaya Pro is CHF 7.90/month for AI coaching and advanced features.
Who should use Venaya instead of Mint
If you valued Mint's automatic categorisation above everything else, you may find Venaya's manual-first approach requires more effort initially. But if what you actually wanted was to understand whether you are on track — not just see a list of transactions — Venaya is built exactly for that.
Venaya is especially well-suited for people who live across multiple currencies, do not want to connect a bank account, want a financial health signal rather than a transaction log, or are going through a life change (new job, moving country, going freelance) and need their app to reflect that.
Mint showed you numbers. Venaya tells you whether those numbers add up to something okay.
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Financial wellness that follows you through life. Free to start, no bank login required.