How to move from Mint to Unburden after the shutdown

Why you might be leaving Mint or Credit Karma

First: Mint stopping hurt. For millions of people it was the tool that made money visible for the first time. Free, clean, auto-categorizing, accessible. When Intuit shut it down on January 1, 2024, they handed the audience to Credit Karma, which is the same company. The setup is not the same, the design is not the same, and the product priorities are not the same.

A lot of people did not want their Mint data ending up inside a credit monitoring product with offer feeds and a business model built around referring you to financial products. If that describes you, this guide is for you. You are not losing Mint again; you are choosing something different on purpose.

Here is what you will do

Five steps. Ten minutes. You do not need to coordinate with Credit Karma unless you want to close that account too.

1. Step 1 (2 min): Pull any remaining data. If your Mint data migrated to Credit Karma, log in and export your transaction history as CSV. If you saved old Mint exports, pull out your debt balances, APRs, and minimums.
2. Step 2 (1 min): Open Unburden. Go to app.unburden.money or install from Google Play. No account creation needed.
3. Step 3 (5 min): Recreate your debts. Add each debt manually: name, balance, APR, minimum. Mint did this automatically; Unburden is manual because no bank access is the whole idea.
4. Step 4 (1 min): Set your monthly amount. Pick the total you can commit to debt each month. Unburden builds the plan and shows your debt-free date.
5. Step 5 (optional, 1 min): Close Credit Karma. If you never wanted Credit Karma and only ended up there because of Mint, you can close the account through Credit Karma's settings.

What carries over vs. what doesn't

Carries over

• Your debt balances and interest rates. The numbers from your last Mint or Credit Karma snapshot are what you re-enter. That is all Unburden needs.
• Your monthly payment commitment. Whatever you were working toward, that becomes the number you enter in Unburden.

Doesn't carry over

• Automatic bank sync. Unburden does not connect to your accounts. This is deliberate; balances live on your device only.
• Transaction history. Unburden tracks progress on balances over time, not every individual transaction. If you want that level of detail, pair Unburden with a free budgeting spreadsheet.
• Credit score monitoring. That was a Mint and Credit Karma feature. Unburden has a different metric, the Burden Score, which measures debt stress on your life, not your risk to a lender.
• Offer feeds. No sponsored credit card or loan recommendations. That is a feature, not a missing piece.

Feature-by-feature comparison

Credit Karma wins on bank sync and transaction coverage. Unburden wins on debt-specific tooling, privacy, and the absence of offer pressure. If bank sync was the thing you loved, look at Monarch or Copilot. If debt was the actual job, Unburden.

How to export your data from Credit Karma

Log in at creditkarma.com, go to your profile, and look for the option to download your financial data. Credit Karma provides a transaction CSV for data that migrated from Mint. Keep the file. If Mint shut down before you could export, the data is likely gone, but the account balances on your current statements are all you need for Unburden.

How to close Credit Karma (if you want to)

If Credit Karma was never your choice and you want out, log in, go to Settings, then Account Management, and pick Close Account. Official Credit Karma help: support.creditkarma.com. Closing does not affect your credit score or reports; Credit Karma does not furnish data to the bureaus.

Why Unburden works for ex-Mint users

Three specific reasons:

• It respects the privacy instinct that got you out of Credit Karma. No bank connections. No data sent to any server. No offer feed. Your balances live on your device only.
• It replaces the net-worth number with the Burden Score. Mint made your total net worth feel real. The Burden Score does the same thing for debt stress. Progress becomes visible even when balances are still ugly.
• It is owned by a solo founder, not a credit bureau. Unburden is built in Ontario by a one-person team whose only incentive is making the app work for you. There is no sales pipeline, no referral quota, no investor pressure to push you into products.

FAQ

What happens to my Mint history?

Mint shut down on January 1, 2024. Your transaction history either migrated to Credit Karma or is gone. You can still export whatever transferred by logging into Credit Karma. Unburden does not import that history because it tracks balances and progress, not every transaction.

Can I import my Mint data into Unburden?

No automated import. You re-enter your debt balances, APRs, and minimums by hand. For most people that is a few minutes. The upside is Unburden never touches your bank, which is the opposite tradeoff from what Mint made.

Is Unburden cheaper than Mint was?

Mint was free but monetized through ads and referral offers. Unburden has a genuine free tier up to three debts, with Pro at $6.45 per month, $49.99 per year, or $149.99 lifetime. Pro is ad-free with no offer recommendations.

What if Unburden does not have automatic bank sync?

It does not, and that is the point. If automatic categorization of every transaction was why you picked Mint, Unburden is not the right replacement; look at Monarch or Copilot. If you wanted Mint mostly for the debt view and bank sync was incidental, Unburden is a clean upgrade for that specific job.

Do I get a refund from Mint?

Mint was free, so no refund applies. Credit Karma is also free. If you had Mint Premium briefly (the short-lived paid tier Intuit launched in 2022), Intuit handled those refunds at the time of the shutdown.

If you are still comparing options, the full breakdown is at Unburden vs Mint. If you were mostly using Credit Karma's debt features, also see switching from Credit Karma.