Mint Is Dead. Credit Karma Can't Budget. Prosperi Can.
Mint shut down on March 23, 2024. Credit Karma replaced it — but stripped out budgeting, savings goals, and spending trends. Prosperi is the Canadian-built alternative that actually helps you manage your money.
The verdict
Prosperi is the best Mint alternative for Canadians in 2026. Unlike Credit Karma (Mint's replacement), Prosperi offers real budgeting, Canadian tax optimization for TFSA/RRSP/FHSA, AI-powered insights, financial simulations, and a calendar view — all priced in CAD with no ads and no data selling.
Feature comparison
| Feature | Prosperi | Mint (Credit Karma) |
|---|---|---|
| Monthly budget creation | ✓ | ✗ |
| Spending trend tracking | ✓ | Current month vs. last month only |
| Savings goals | ✓ | ✗ |
| Net worth tracking | ✓ | ✓ |
| TFSA/RRSP/FHSA optimization | ✓ | ✗ |
| AI-powered insights | ✓ | ✗ |
| Financial simulations | ✓ | ✗ |
| Calendar view | ✓ | ✗ |
| Canadian tax tools | ✓ | ✗ |
| Ad-free experience | ✓ | ✗ |
| Priced in CAD | ✓ | Free (ad-supported) |
| Bank data method | CSV upload + manual entry (no screen scraping) | Plaid (screen scraping for some banks) |
Pricing
Prosperi
$14.99 CAD/month or $90 CAD/year (7-day free trial)
Mint (Credit Karma)
Free (revenue from ads and financial product referrals)
What Mint (Credit Karma) does well
- ✓Free to use — no subscription required
- ✓Credit score monitoring from TransUnion and Equifax
- ✓Automatic bank account syncing via Plaid
- ✓Debt relief and credit-building recommendations
Where Mint (Credit Karma) falls short
- ✗No budget creation — you literally cannot make a budget
- ✗No savings goals or spending category limits
- ✗No month-over-month spending trend analysis
- ✗Revenue comes from selling financial product referrals, not from helping you
- ✗Requires SSN/SIN, home address, and date of birth just to sign up
- ✗No Canadian tax tools — zero TFSA, RRSP, or FHSA guidance
- ✗No financial simulations or forward-looking planning
- ✗Ad-heavy experience that pushes credit cards and loans
Why Prosperi wins
- Actually lets you create and track monthly budgets (Credit Karma doesn't)
- Canadian tax optimization: TFSA, RRSP, and FHSA contribution tools built in
- AI-powered insights that surface actionable money moves, not credit card ads
- Financial simulations to model life events like buying a home or retiring early
- Calendar mode to see your financial timeline at a glance
- Your data stays private — Prosperi doesn't sell your info to advertisers
- Built specifically for Canadian financial products and tax rules
- No ads, no referral schemes — you're the customer, not the product
Frequently asked questions
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