Mint is gone.
Bortoh is what comes next.
Mint was the finance app that millions of people grew up with. It was free, it auto-synced your bank accounts, and it gave you a snapshot of your money. When Intuit shut it down in March 2024 and pushed users to Credit Karma, it felt like losing a friend.
But let's be honest: Mint had been declining for years. The ads were relentless, the categorization was increasingly wrong, and the "free" model meant you were the product. When it shut down, many users realized they hadn't actually been managing their money — they'd been passively watching it. The replacement shouldn't just replicate Mint. It should fix what Mint got wrong.
TL;DR
Bortoh is a free AI-powered personal finance app built for the post-Mint era. Instead of passive dashboards, Bortoh uses conversational AI to actively help you budget, categorize, and plan. Unlike Credit Karma (Mint's successor, focused on credit products), Bortoh focuses purely on helping you manage money. Free tier, 9 currencies, tax reports.
| Feature | Bortoh | Mint (discontinued) |
|---|---|---|
| AI Chat Assistant | Full (60+ tools) | None (was dashboard-only) |
| Status | Active, growing | Shut down (March 2024) |
| Multi-Currency | 9 currencies, daily rates | USD only |
| Receipt Scanning | Yes | No |
| Budget System | 4 templates (50/30/20, etc.) | Basic categories |
| Tax-Ready Reports | Yes (deductions, quarterly, export) | No |
| Financial Spreadsheet | Yes (12-month matrix) | No |
| Ad Model | Subscription-based | Heavy ad placement |
| Free Tier | Unlimited accounts + transactions | Was free (ad-supported) |
| Price | $12.49/mo (annual) for Pro | N/A (discontinued) |
| Platform | Web (any device) | Was web + mobile |
| Data Privacy | Encrypted, SOC 2 infrastructure | Ad-supported model |
Mint showed you your money. Bortoh helps you manage it. Same simplicity of setup, but with AI that categorizes, budgets, tracks goals, detects anomalies, and prepares your taxes — all through conversation.
Frequently asked questions
Bortoh's free tier is genuinely free — no trial, no expiration. We offer a Pro plan for power users who need unlimited AI and advanced features, but the free tier is generous and permanent.
If you exported your Mint data before it shut down (or have it in Credit Karma), export as CSV and import into Bortoh. The AI categorizes everything automatically.
Credit Karma (Mint's successor) focuses on credit scores and financial product recommendations. Bortoh focuses purely on helping you manage your money — budgeting, tracking, categorization, and tax reporting. No credit product ads.
Automatic bank sync via Plaid is on our roadmap. Currently, you import bank statements (PDF or CSV) and Bortoh's AI categorizes everything in seconds. This actually produces cleaner data than auto-sync.
Bortoh is built and operated by an independent team, not a large corporation looking to sunset products. The business model is straightforward: free tier + paid Pro plan. No ad revenue to dry up, no parent company to make decisions over our heads.
Also considering...