These companies also spent a lot of money on security. This is very frustrating and my conclusion is that Mint customer service is TERRIBLE! The alerts sent via email are a useful and welcomed feature. The recently added two-factor authentication is a nice but needed touch for any financial service. It’s still fundamentally broken in the same way; banks record transactions as long strings, yet mint does a simple match of up to the first 20 alphanumeric characters, which means that ALL my automatic withdraws end up being renamed the same thing. Based on the forums, I’m not the only one suffering from the product glitch. I learned my city has one of the higest drinking spending. However plenty of caveats which people need to made aware of if they choose. I’m was a long time user of Microsoft Money. Mint.com Review: Company Cons. I’ve lost hours of my life setting this service up and attempting to use it. Mint calls each category a budget; each is represented by a colored vertical line. I called the credit union, changed my password, and finally updated the info in Mint. You can still schedule and track bills, though, in one of two ways. In fact, the first time you select Budgets in the toolbar (assuming you've imported transactions and categorized them), Mint will have already started your budgets for you. Even App programming 101 allows for such a simple process to take place. I have been using the bill pay feature since they rolled it out and it doesn’t seem like they have fixed any of the initial bugs. Thanks for the great info! I quickly deleted all my account info once I realize the this mint is no that mint. All the things it purports to do sound great, except everything doesn’t quite work right. Despite repeated requests, mint.com has failed to respond or to provide any support whatsoever. Intuit is renowned for their horrible customer service. All I can trust Mint for now is to keep tabs of cash transaction categories. Quicken is my go-to finance app but I use Mint to verify it primarily. Plus, I never got the refund, even though I requested it before the trial period ended. Without that information, the application is useless. So, great concept, great app, terrible support. Mint once again reigns as the PCMag Editors' Choice for free personal finance websites. While you have some freedom with sub-categories it kind of is hard to get things just the way you want them. I kept all of my financial data on Quicken 2004, which did most all I needed. Even if you are initially pleased with its capabilities, you will ultimately be frustrated as the application fails to perform simple operations correctly over time. Otherwise you have to down load every transaction you have in Excel and sort through that mess. No response, nada. New goals, such as paying off credit card debt or saving for a new home, are simple to set up and are easily reflected in your monthly budgeting. I do not want to use Mint (weak investing support, no online bill payment, no bank reconciliation capability). As for a replacement to a full service desktop accounting personal finance application, it is not. I worked with Mint support to fix this for months and eventually they just had me remove it from tracking because they couldn’t fix the problem. Mint also allows you to view your portfolio’s performance, allocation, and value. They would update that thread all the time saying ‘we’ve fixed this, please try your account again.’ And each time of course it was still not fixed. Quicken has had no improvements Mint has not because there is no incentive. I have heard this problem over and over on the web. I did look at YNAB but wasn’t for me, too cumbersome. My advice is to avoid sharing any information whatsoever with mint.com. Again, if I lose my wallet, my mistake — I’ll deal with it, but I don’t want to deal with someone stealing my SSN, address and account numbers from some data location beyond my control. I have been waiting EIGHT days for the site to update my account with my credit union’s new URL link!! Brian, when reading your comment, I thought I wrote it. I couldn’t get that through the tech support agents’ (yes, there were multiple) heads. Yes there are open source applications but have you seen them? Even though they only got my e-mail and started using it to spam all my friends, it was quite upsetting and a hassle to undo. Mint guesses at the category for each transaction (such as Food & Dining, Shopping, Entertainment, and Bills & Utilities), but occasionally you need to change it manually. Mint Review Overall Conclusion Mint.com is one of the better financial aggregators out there. txt’ing you as transactions pour in). Mint's main categories include overview, transactions, bills, budgets, goals, trends, investments, and ways to save. I have used Quicken for a number of years . So you have to ask the question with any online service, how much do you trust the provider’s security? So when I go to enter the “Price Paid” manually, there were some major software glitches such that adding up positive numbers gave me a negative output. After a time, Mint makes changes to the behavior of it’s program that cause problems aggregating data. Some of them were glowing and some were confusing and some were downright hostile. Zero customer service. I have been using it for well over a year now. BIG TURN OFF! Yes it’s true that Mint used to use yodlee (the industry standard) to aggregate data from all of your banking sites, and it always worked without issue. But the idea of it still scares me. Besides, Microsoft discontinued Money in January 2011, so there aren't many viable alternatives around. and that a lot of the hard work sorting through transactions and categorizing them was done for me – or easily managed by “rules” I could set in place at the same time I was editing any given transaction (unlike on Adaptu….). Yes it will periodically fail for some accounts and it can remain broken for weeks (support can’t help). Mint was a tremendous startup and had great customer service. However, despite SIX WEEKS of email correspondence, Mint’s team cannot seem to make the transactions disappear from my account pages. I love how the goals work. You have be diligent. That screen contains blank fields for your contact and demographic information (this helps better target your ads). Mint.com’s screens allow NO customization (columns, views, etc.). I have spent HUNDRED of hours (no lie!!) I have used quicken in the past and liked it, but never kept up with it mainly due to low income and a lack of any assets. Additional icons along the bottom of the screen open Alerts, the Marketplace, and Settings. At the time, I’d forgotten my online info and my online access was locked. I logged into Mint and sure enough, the current status of that bill was canceled. Its been said the most secure computer is turned off and locked in a safe. No phone number to call – just email, which is maddening! I responded that it had NOT been corrected. It is not worth it. Switching to Personal Capital. Last week I scheduled my car insurance to be paid today and I just got an email from Mint reminding me to schedule my car insurance payment. The software is just broken. I passed this along to their support team. ), and 2) you have to make sure you don’t earn less income than you budgeted as well —- and there is my biggest issue with Mint. Since then, she has contributed to numerous print and web-based publications, including Barron’s and Kiplinger’s Personal Finance Magazine. Click it, and you can request email and on-site updates that alert you to, for example, upcoming bills and changes to your credit score. But times have changed and in the market for software. First off, thanks for the excellent review of Mint.com. We know that managing finances is not easy. I am SOOO done with Mint.com AND Intuit programs. Hopefully an update be will be released soon. Mint.com is touted as one of the best places to maintain your budget, so we decided to give them a thorough review and see if they hold up. Beware! Agreed with all the comments below. Disappointed with Mint. I’ve contacted their support twice about this they have not fixed or even addressed the problem. This includes information about consumer spending, the average credit card balance, how many retirement accounts a user may have, etc. There is nothing to sync. If you've established goals and linked to your investment accounts, you'll see your progress and status here. Often this means going to the bank website and changing my password. I would like to provide more information but I am at the mercy of mint.com, and they have not responded to my requests for assistance. You can get a little more detail about your credit score and the factors that influence it in Mint, but you don't get a full credit report. The display of third-party trademarks and trade names on this site does not necessarily indicate any affiliation or the endorsement of PCMag. When removed I lost almost a years worth of data! Two issues: So they would have had to somehow gotten access of your account username/password to then login to the service you are using. Mint uses bank-grade security, which means it doesn't even have access to what you type. I have to strongly recommend against signing up. I started using mint.com in 2011 and loved it. To work further with a transaction, click the Edit Details link below it. Also they fail miserably when you want to try to print an income statement for your household showing income versus expenses. Unfortunately it appears to be dying a slow death. I really have loved it, as it served my purpose UNTIL!!! I’ve used Mint for about a year, after having given up on MS Money. But it’s difficult to navigate to your overall net worth. I’ve wasted so much time on this, I’m just about ready to give up. If you jump to another app and then return, Mint asks for the passcode again. If I read the privacy statement correctly, Mint will report a customer’s activity to credit reporting agencies? I think that this software definitely plays to my OCD tendancies, but what I like about Mint is that it does not focus on my OCD. I spent 2 months and 15 very long winded emails explaining over and over again the small issue I had that they then turned into a large issue. Thank you so much for this review. What banks do you use? I do not use this in relation to on-line banking in any way; just as account registers with information manually entered and reconciled with monthly statements. The only thing you cannot do is create new categories via the mobile app. While Mint has an overall score of 7.9, their Mint software reviews mark Mint personal finance as falling behind on the budgeting and goals category, specifically in its lack of a budgeting … Many users of Mint.com stated synchronization issues started happening only after this switchover occurred. Even if it was because i didn ’ t go to my account so can! Another application as soon as possible city has one of those who had the are. Finances on the contrary, i ’ m always doing triple backups on external formats in of. Weakest link and safe for the same amount of time or money that ’ s security you can create own! 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