Mint shut down. Wälo is what comes next.
Automatic categorization with AI, reading of your bank's emails, zero-based budget, multi-currency and real support in Spanish (connection via Plaid is on the way). No ads, no selling of data. The natural successor to Mint.
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Quick verdict
If you relied on Mint to see all your money in one place — Wälo doesn't just replicate what you lost, it improves on it.
- On the way: Plaid connection with 12,000+ US banks (Chase, BoA, Wells Fargo, Citi, Capital One, Discover...)
- Automatic categorization with AI that's better than Mint's
- Zero-based budget — something Mint never had
- No ads or selling of data — an honest subscription model
- Native multi-currency, ideal for Spanish speakers with accounts in USD and local currency
- On the way: optional local-first mode, with your data only in your browser
Wälo vs Mint: side-by-side comparison
Mint — Intuit's free financial aggregator that shut down in March 2024.
| Feature | Wälo | Mint |
|---|---|---|
| Available in 2026Mint shut down in March 2024 | Yes | No |
| Plaid USA connection (12,000+ banks) | Coming soon | Yes |
| Automatic categorization | AI + custom rules | Static rules |
| Zero-based budgeting | Yes | No |
| Native multi-currency | Yes | No |
| Support in Spanish | Yes | No |
| No adsMint relied on advertising | Yes | No |
| No selling of data | Yes | No |
| Free credit score | On the roadmap (USA) | Yes |
| Bill tracking + alerts | Yes | Yes |
| Detection of ghost subscriptions | Yes | No |
| TurboTax (TXF) export | Yes | Only to Intuit |
| Investment tracker | Yes | Basic |
| Native mobile app (Android; iOS coming) | Yes | No |
| MCP server (Claude/ChatGPT) | Yes | No |
| Local-first mode (privacy) | Coming soon | No |
| Price | Free plan + affordable Premium | Shut down |
Why people switch from Mint to Wälo
The replacement Intuit never gave you
When Mint shut down, Intuit pushed you toward Credit Karma, which isn't even a budgeting app. Wälo is what Mint should have become: a modern aggregator with AI and no advertising.
Categorization that learns from you
Mint used static rules that often failed. Wälo uses AI that learns from your corrections and categorizes in Spanish, English or Portuguese, improving with every adjustment you make.
Without the toxic advertising model
Mint shut down because the model of ads + cross-selling Intuit products wasn't profitable. Wälo is pure subscription: no ads, no upsells, no manipulation.
For Spanish speakers in the USA
If you live in the USA and have accounts in Mexican pesos, colones or Colombian pesos, Wälo consolidates everything in USD with real-time exchange rates. Mint never could.
Real privacy
AES-256 encryption. OAuth with Google/Apple. And the option to close your account and download everything as CSV whenever you want. Local-first mode, with your database only in your browser, is on the way.
Automatic subscription detection
AI detects hidden recurring charges (Netflix, Spotify, ChatGPT, gyms) and warns you before each charge. Mint only listed bills; it didn't help you cancel.
Migrate from Mint to Wälo in 3 steps
- 1
If you saved your Mint CSV before the shutdown, upload it to Wälo and the AI maps your historical categories automatically.
- 2
If not, import your bank statements or forward its emails. Direct connection via Plaid (Chase, BoA, Wells Fargo, etc.) is on the way.
- 3
Turn on zero-based budgeting, the piece Mint was missing, and start assigning every dollar a job.
Frequently asked questions
Mint shut down. Is Wälo the natural replacement?⌄
Yes. Mint shut down in March 2024 and left millions of users without an equivalent alternative. Wälo replicates the features you loved (automatic categorization, a single dashboard, alerts) and adds what Mint never had: zero-based budgeting, multi-currency, conversational AI and Spanish-language support.
How do I import my Mint data into Wälo?⌄
If you exported your Mint CSV before the shutdown, Wälo imports it with the AI mapping categories automatically. If not, import your bank statements or forward their notification emails. Direct connection via Plaid is on the way.
Does Wälo have a free credit score like Mint?⌄
This feature is on the active roadmap for USA users (via an Experian integration). In the meantime, Wälo helps you optimize your credit utilization and on-time payments, the two factors that move your score the most.
How much does Wälo cost? Mint was free.⌄
Wälo has a free plan for essential use. The reason Mint shut down was its advertising-based model, which compromised privacy. Wälo Premium costs a fraction of YNAB or Monarch, and your free plan doesn't show you ads or sell data.
Does Wälo support the same USA banks as Mint?⌄
Not yet by direct connection: the connection via Plaid (12,000+ USA banks, including Chase, Bank of America, Wells Fargo, Citi, Capital One, Discover and USAA) is on the way. Today Wälo reads your bank's notification emails and imports its statements.
Is Wälo secure? Mint had Intuit's backing.⌄
Wälo uses AES-256 encryption, OAuth authentication with Google/Apple, and RLS on Supabase. Local-first mode, with your database only in your browser, is on the way. We don't sell data to third parties; it's a pure subscription model.
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