Karchu
All comparisons

Karchu vs Mint & Rocket Money

Mint (Intuit) and Rocket Money are consumer personal-finance apps that link to your bank via Plaid-style aggregation, then track spending and subscriptions. Karchu takes a different route: you upload statements, and nothing ever connects to your bank. That trade-off matters if you value privacy, run a small business alongside personal finances, or want to work with statements your bank doesn't expose to aggregators.

Feature comparison

FeatureKarchuMint / Rocket Money
Connect to bank via credentials No Yes
Upload PDF / CSV statements Yes Partial
Rule-based categorization Yes Partial
Subscription tracking Partial Yes
Bill negotiation service No Yes
Multi-organization (personal + business) Yes No
Team members / shared access Yes No
Data export (CSV / Excel) Yes Partial
Starting priceFree trial, then $9/moFree tier + $6-12/mo premium
Best forPrivate, statement-based analysisAuto-tracked consumer spending

When Mint & Rocket Money is the better fit

  • You want automatic, always-on tracking without touching a file.
  • You want built-in subscription cancellation and bill negotiation.
  • You're comfortable sharing bank credentials with an aggregator.

When Karchu is the better fit

  • You don't want to give any app your bank login.
  • You mix personal finances with a side business or freelance income.
  • You want to share access with a partner, accountant, or bookkeeper.
  • You need to work with older statements or banks that block aggregation.

Rocket Money vs Mint: the direct answer

Mint no longer exists as a standalone app. Intuit retired it in March 2024 and steered its users toward Credit Karma, which tracks credit scores and some spending but never rebuilt Mint's budgets. That is why most "Rocket Money vs Mint" searches in 2026 are really asking which Mint alternative to pick, and Rocket Money is the closest like-for-like answer: bank-linked spending tracking, subscription detection, and a bill-negotiation service on its premium tier (roughly $6-12 per month, with a limited free tier).

Where every Mint alternative still agrees with Mint is the connection model: you hand your bank credentials to an aggregator and the app reads your accounts continuously. Karchu is the deliberate outlier. You download the statements your bank already gives you, upload them, and get categorized transactions, recurring-charge detection, and clean CSV or Excel exports. Nothing connects to your bank, so there are no credentials to leak, no broken connections after a bank password change, and no gap for banks that block aggregators.

  • Pick Rocket Money if you want zero-effort, always-on tracking and will pay for bill negotiation.
  • Pick Karchu if privacy, statement-based history, shared team access, or a side business alongside personal finances matters more than automation.

Moving from Mint to Karchu

Mint's shutdown ended with most users' history locked inside the app, so the practical migration starts from your bank, not from an export:

  1. Download the last three to six months of statements from your bank's website as PDF or CSV.
  2. Upload them to Karchu. Transactions are extracted, deduplicated, and categorized automatically.
  3. Adjust the categories you care about once; rules remember and apply them to every future upload.
  4. Add older statements the same way whenever you want deeper history for trends or taxes.
  5. Invite your partner, bookkeeper, or accountant if they need to see the same numbers.

From then on a one-minute upload each statement cycle replaces the live feed: the data comes from the same source (your bank), just on your terms.

Frequently asked

Is Karchu a good Mint replacement?

Yes if you prefer uploading statements to linking your bank. Intuit sunset Mint in 2024, and many users looking for a private, upload-first alternative move to Karchu.

Rocket Money vs Mint: which is better in 2026?

It is a short contest: Intuit retired Mint in 2024 and folded what remained into Credit Karma, so Rocket Money is the closest living version of what Mint did. Rocket Money links to your bank, auto-tracks spending, and negotiates bills on its paid tier. Karchu answers the same question differently: instead of connecting to your bank, you upload statements and get categorized, exportable results, which works when you don't want to share bank credentials, need your accountant or partner to see the same data, or want history from statements rather than from live feeds.

Does Karchu track subscriptions?

Karchu's categorization rules highlight recurring merchants and unusual charges, but it doesn't cancel subscriptions on your behalf the way Rocket Money does.

Can I use Karchu for personal budgeting?

Yes. Category dashboards, month-over-month trends, and merchant reports work equally well for personal and business finances.

How do I move from Mint to Karchu?

You don't need any Mint export. Download the last few months of statements from your bank's website as PDF or CSV, upload them to Karchu, and your categories, trends and recurring-charge view build from the statements themselves. Older months can be added the same way whenever you want deeper history.

Why doesn't Karchu link to my bank?

By design. Skipping aggregation eliminates the security risk of storing bank credentials, works with any bank that offers a statement, and keeps the tool easy to adopt for people who won't share logins.

Popular bank statement analyzers

Bring a real statement to see how Karchu handles it. These bank pages walk through export steps and quirks for the most searched banks in this comparison's market.

See Karchu on your own statement

30-day free trial. No credit card. Upload a CSV, Excel, or PDF and get categorized results in minutes.