Mint Is Gone. Here Is How to Track Your Net Worth for Free Without Another Account.

Intuit shut down Mint in March 2024 and migrated users to Credit Karma. Many former Mint users discovered that Credit Karma's net worth tracking was a downgrade — fewer customization options, more advertising, and the same uncomfortable feeling of handing your bank credentials to a third party for the privilege of seeing a number you could calculate yourself.

This article is a guide to one alternative approach: skip the bank-linking entirely, manually track your net worth in a private browser tool, and own your data. The free net worth calculator is the implementation. It runs entirely in your browser — no signup, no upload, no syncing — and costs nothing.

What Mint Did Well (And What It Cost)

Mint's killer feature was automatic data syncing. You linked your bank accounts, credit cards, investment accounts, and loans, and Mint pulled balances daily. You logged in and saw a current net worth without entering anything manually. For a generation of users, this was the first easy way to see their full financial picture in one place.

The cost was that Mint had your bank credentials and could see every transaction. Intuit used that data to recommend financial products (credit cards, loans, insurance) — Mint was advertising-supported, and the ads were targeted using your transactions. Many users were uncomfortable with this trade but accepted it for the convenience.

After the shutdown, the obvious alternatives (Personal Capital / Empower, YNAB, Monarch Money, Copilot) all use the same model: link your accounts, get automatic data, accept that a third party sees your full transaction history. None of them offer Mint's old "free forever" pricing — they range from $99/year to $35/month.

The Manual Approach (and Why It Is Underrated)

Manual tracking has a reputation for being tedious. In practice, it takes about 5 minutes a month for most people. Here is the workflow:

1. Open the free net worth calculator on the first of every month.
2. Pull up each financial account you have (in browser tabs or your bank's mobile app).
3. Type the current balance into the calculator.
4. Save to local storage (browser-only — no server sync).
5. Done.

For most households with 5-10 accounts, this is a 5-minute monthly ritual. Compare to Mint's "automatic" model: you still had to log into Mint, look at the numbers, decide what to do — the time saved was maybe 2-3 minutes a month. In exchange for those 2-3 minutes, you handed over your full transaction history to an advertising company.

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What Manual Loses (And What It Gains)

What manual loses:

• Daily real-time balances (you only see what you last entered)
• Automatic categorization of transactions
• Spending alerts and budget warnings
• Cross-account transaction history in one view

What manual gains:

• Privacy — no third party has your bank credentials or transaction history
• Cost — $0/year, forever
• Control — your data, your file, your rules
• Resilience — when the company you trusted shuts down (Mint, Personal Capital before its acquisition, Wave before its limited sale), your data does not disappear with them
• Mental engagement — you actually look at each account, which builds a stronger intuition for your finances than passive aggregation

For users who care about budgeting and category tracking, manual is harder. For users who primarily want a net worth number and a sense of trajectory, manual is fine and arguably better.

A Hybrid Approach

You do not have to choose. Many former Mint users land on a hybrid:

• Manual net worth tracking with a private tool (the free net worth calculator)
• Categorized spending tracking with a paid tool that does aggregation (YNAB, Monarch Money, Copilot)
• Budget review monthly using both

This gives you privacy on the most sensitive data (full balance picture, total wealth) while getting the convenience of aggregation for the less sensitive data (transaction categorization). It is a reasonable compromise for users who want most of Mint's functionality without the all-or-nothing trade.

Setting Up the Manual Workflow

Start by listing every financial account you have. A typical household has more than they think:

• Checking account(s)
• Savings account(s)
• HSA
• 401(k) and any old 401(k)s from previous employers
• IRA and Roth IRA
• Taxable brokerage
• Crypto holdings (if any)
• Home equity
• Vehicles
• Mortgage
• Auto loans
• Student loans
• Credit cards (the balance, not the limit)

Open the calculator. Add each as a line item. Save to browser local storage. Set a monthly reminder. The setup takes about 30 minutes the first time and about 5 minutes every month after that.

Frequently Asked Questions

Will the data be lost if I clear my browser?

If you only save to local storage, yes. Export the data after each update (the tool generates a JSON or copy-paste-friendly text) and save it to a file or password manager note. This gives you a backup outside the browser.

Can I use this on multiple devices?

The browser-only approach means data lives on the device where you saved it. To sync across devices, manually re-enter the data on each device, or use a password manager to store the values and re-enter them as needed.

Is this less accurate than Mint?

Net worth-wise, no — you are entering the same numbers Mint would have aggregated. Mint was useful for transaction-level tracking, where automation matters more. For just the net worth picture, manual is just as accurate.