CountAbout and other services provide instant feedback based on the import of past transactions, but only Simplify by Quicken matches Mint's insight and user experience. This automation and use of historical data to give you a head start on visualizing your finances contribute to Mint's superiority. Because Mint has access to your history, it shows exactly what you've been doing with your money. In other words, you get insight into your financial health right away. Within moments of setting up an account, Mint sees habits and trends in your spending because it's pulled a few months' worth of data from the past to analyze. Mint links to third-party sites to get estimates of their value. You can also include the value of your assets like any properties and vehicles you own. If you want a comprehensive picture of your finances and the best possible recommendations from the service, you should connect to as many accounts as possible. It's entirely up to you how much information you let Mint track. It also uses measures like multi-factor authentication to keep your account safe.ĭo You Have to Connect All Your Accounts? The site participates in security scanning with VeriSign to help ensure security for sensitive data transfer. We only store the information needed to save you the trouble of updating, syncing, or uploading financial information manually."įrom the Mint interface, you can't initiate transfers of money or payouts of any kind, which means no one else can either.
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According to Mint's security information, "Your login username and passwords are stored securely in a separate database using multi-layered hardware and software encryption. Mint uses bank-grade security, which means it doesn't even have access to what you type when you connect your financial accounts. You can also ask to be notified if an account balance drops below a certain level or credit availability dips below a specified dollar amount. Click it to opt in or out of email and on-site updates that alert you, for example, to financial product offers and changes to your credit score.
You can also view all your accounts, turn features off and on, and complete other setup tasks. These screens let you enter your demographic information, which helps Mint target ads to you with more precision. There are a few other setup tasks that you access by clicking the Settings links in the left vertical toolbar. That said, you can manually enter transactions, which is helpful if you tend to receive cash and spend it without ever putting it into an account. The site is fairly useless if you don't agree to connect your financial accounts, since Mint uses this data for everything. These connections allow Mint to pull all the line item transactions from all your accounts so you can see exactly where and when you spent money or earned it. Mint offers a feature tour when you create your account, then it launches right into requesting usernames and passwords for your banking, credit card, and other financial accounts. Everything that has made Mint a PCMag Editors' Choice winner for so many years continues today. Mint's mobile apps continue to be exceptional. The new design isn't as effective as the old one, which accounts for Mint's score dropping from a 5 out of 5 to 4.5, though it's not objectively bad. Since our last review, Mint has seen an overhaul of its user interface, with the goal of improving responsiveness, navigation, and usability. Mint's developers continue to leverage machine-learning technology (AI) to provide a smarter, more personalized, more automated experience that features deeper insight and intelligence. Furthermore, Mint is free, making its money by displaying targeted ads for credit cards and other finance products. It lets you connect to all your online finance accounts, check your credit score, and get a good estimate of your net worth, among many other financial management tasks. Mint is an exceptional personal finance service that has won multiple Editors' Choice awards thanks to its simplicity, usability, and smart financial tools.
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