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More of What You Want From Mint

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By popular demand, we’ve come out with a new release of Mint.com that provides you with even more insights into how you manage your money. We’ve completely revamped our budgeting features and added additional graph types so that you can see see how your finances are tracking over time and even look into the future to see how your current spending decisions will affect you. No matter what your budgeting style, you’ll be able to use Mint.com to keep yourself on track. We’re constantly adding to the financial institutions we support and we’ve got some major ones in this release.

Budgets that work like you do

Now our budgeting features let you plan for the future like never before.
Look ahead to see how your current spending decisions will affect your ability to save. Move from just creating a budget to taking a comprehensive look at your financial health. You’ll know immediately what you can do today to save even more tomorrow. Now you can:

• Budget on income as well as expenses
• Budget for infrequent expenses (like paying taxes or annual vacation)
• Roll over unspent funds from one month to next
• Budget over different time periods

Improved graphs and trends

We’ve added more options for tracking spending, income, net worth and account balances over time. You’ll make smarter decisions when you start comparing your spending year-to-year or month-to-month. 16 interactive graphs give you the real-time insights you need. Now you can:

• Graph net worth over time and net income over time
• Compare your data across different time periods
• Compare your data to other demographic or geographic groups
• Enter more granular demographic data for future comparison options
• Easily export all reports to a CSV file

Better filters

Mint.com lets you see things your way, whether you are managing your household finances or running a small business. You can now filter trends and budgets by either account type or tag, giving you more ways to manage your finances. Now you can:

• Select which accounts or tags are included in budgets or trends
• Easily separate out spending by household member, or business from personal spending

New ways to save

We’ve added IRA Rollovers to Ways to Save making it easier than ever to save thousands of dollars toward your retirement.

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  1. Chris Horney
    908 days ago

    This is what we have been waiting for! Mint was a very good tool before, but now nothing touches it. I think you all have really outdone yourself with this release. I am on the forum constantly and I think you really have incorporated much of what people have asked for. The budgeting tool is excellent and I’m excited that I can do more and more with Mint.

  2. EJ
    908 days ago

    It just keeps getting better. Mint.com has changed my life!

  3. Thomas
    908 days ago

    Budgeting on income was sorely lacking; now you’ve only half implemented it. Why can I only choose a monthly income and not a bi-weekly?

    • Neil Hooey
      908 days ago

      The budgets should be implemented as rolling budgets. Having a budget go on an arbitrary month-by-month boundary is almost useless.

      You should be able to set a budget for the last X days, averaged out over the last Y days.

      So you could have a “Last 30 day budget”, that watches your “Last 90-day average” of spending in that category.

      Spending should be about getting averages down, not about cutting off spending at the end of the month to meet an arbitrary goal…

    • Andy Lane
      908 days ago

      Rolling budgets have their uses; I totally agree that it’s about getting averages down. The only issue with them, that I can see, is that you don’t know how much you need to “make up” if you go over them. If I’m consistently $20 over my restaurant budget from the last 30 days (and I’m like that for, say, six months running), I have no deadline by which I need to sock back that $120 into some account, to staunch the bleeding. I like to tie up loose ends on a regular basis.

      What would be useful to me is having a figure next to each budget that represents a rolling total. For example, under where it says I’ve spent, say, $25 of my $200 budget on Groceries for the month, it’d be nice to see how much I’ve spent in the last 30 days (e.g. $188), 90 days (e.g. $450 – or perhaps normalized to $150/mo), and 365 days… that way the information is there, and my habits can be determined, but I’m still accountable over a certain period. Anyone agree?

  4. Chris W
    908 days ago

    I appreciate the motive behind many of the upgrades, and I think there’s some good stuff here… however, some of it was just plain silly (and appears to be completely not thought out). My complaints:

    1. Bring back the “day line” that showed the progress of the month vis. how much you’ve spent.

    2. The new budget page on the “Planning” tab is WAY TOO BIG. What was about 1/4 of my screen has now bloomed into 2 full screens of the same data.

    3. The “Everything Else” section shouldn’t include subcategories of master categories that I’ve already budgeted for (don’t show me Shopping:Hobbies if I have a catchall budget for Shopping)

    4. Bring back the old “budget at a glance” on the main page, the new one doesn’t show nearly enough info and forces you into the obnoxiously big Planning category.

    • Dangerman
      908 days ago

      #3 mentioned by Chris W is an essential fix – the numbers just don’t add up if subcategories are essentially counted twice.

    • John C.
      908 days ago

      Agree completely with #2

    • Aaron Patzer
      908 days ago

      I agree on points 1 & 3 – I’ll file them as enhancement requests. Point 4 would be taken care of it we compressed a little of the extra white space per point 2 – up to Mint’s designers.

      Aaron Patzer, Founder & CEO, Mint.com

    • Katie
      908 days ago

      I completely agree with #4…it’s very inconvenient to have to go to a different page to look at the “budget at a glance” area. That was the feature I used the most, and it’s now become inconvenient and the UI is not as easy on the eyes either…

    • Kathy
      908 days ago

      I want the budget at a glance back. The new one is way too big. Too much wasted space

    • Neil Hooey
      908 days ago

      I agree, the new budget widget has been dumbed down and isn’t useful anymore. The visual budget graph with the “date line” was much more informative.

    • Brad
      908 days ago

      Totally agree on all the points above.

      In addition to the statement below on graphing historical spending versus budget. I don’t care how my spending compares to my neighbor (it’s not a race to beat the Jones’) I care about how well I am staying to my own budgets.

      Also agree on the point below around DEBTS and NET WORTH… neither include my mortgage… which certainly greatly changes the picture.

      Too bad they didn’t add a feature that lets one peg all transactions from a certain account…. I don’t know about others, but one of my cards is solely for work expenses… it would be great if I could set a tag that said “all entries on X account = Business Expenses”.

      I really like that Mint listens to its users and is evolving itself. GO MINT!

    • Aaron Forth
      908 days ago

      Let’s discuss….

      1. We felt that the daily progress indicator was misleading because large one time expenses (aka rent or mortgage) would through it off horribly. If you were on ly budgeting on regular items, it worked pretty well.

      2. We will look at reducing the vertical space. It does seem a bit over sized.

      3. Some users budget both at the top and second level categories. We wanted to preserve the ability for users to set a budget at restaurants as well as dining out, for example.

      4. what more information do you need in your snapshot?

    • M.E.
      908 days ago

      I agree with your 1-4.

      The new things are good, and I like that those options exist, but pure usability seems to have been hurt by the new features and upgrades.

    • Jaanus Kase
      908 days ago

      Agree with all of these. #3 needs really to be fixed, and I sorely miss the at-a-glance budget view that was there previously.

    • Andy Lane
      907 days ago

      I’ve just done the math, and the problem with #3 is visual, not arithmetical.

      When the Everything Else section lists, e.g. Fast Food, it doesn’t add it into the Everything Else total if you have a Food and Dining budget set above. But I’d argue that showing it at all is confusing; it’s not “something else” – it’s been budgeted for above. So it doesn’t belong in the Everything Else section.

      The big math-breaker for me is still the issue of having a budget for a top-level category counting subcategory spending, even if that subcategory has its own separate budget. You guys have obviously a very similar issue in the Everything Else section, so I think it’s safe to assume it’s just an oversight above?

      If you’re ever looking for beta testers, I’d be up for that.

  5. Thomas
    908 days ago

    Looking further, you don’t properly include loan debt in network calculations for the trends. :(

  6. Ben
    908 days ago

    BUG: “Net Worth” graphs, at least for me, seem to be ignoring mortgage and student loan debt. I’d love to believe it, but I don’t think I’m worth $250k quite yet.

    Thanks for all the changes! I think it’s a huge step forward overall.

  7. Paul Hoffman
    908 days ago

    I’ve got over 10 monthly healthcare bills I’m juggling w/ payment plans, etc.

    When is medical billing being added?

  8. David C.
    908 days ago

    You guys are good. Keep it up.

  9. Ian
    908 days ago

    WOO HOO! Thank you Mint! These are features I’ve been wishing for since the beginning. Nice job guys.

  10. EP
    908 days ago

    I like the power of the new additional features, but I miss some of the old streamlining. For example, it was nice when I could see my entire budget on the screen at once (maybe include this on the overview page as opposed to the detailed planning page?). I also miss having that bar that shows you where you spending is in relation to what day it is.

  11. CJ Millisock
    908 days ago

    Thanks Mint, this is great!

  12. Troy
    908 days ago

    I love Mint so much! I still am waiting for a way to export reports since it keeps track of my expenses/categories so well!

    Troy

  13. harrial
    908 days ago

    I love that I can see trends per account, but both mine and my husband’s account is through Bank of America. So it is just adding them together and not allowing me to click one or the other? Am I missing something. I really need this feature.

    • Aaron Forth
      908 days ago

      Look for the “hide (Edit)” link. You can select which accounts/tags you want to include in the calculations.

  14. TH
    908 days ago

    Agreed, this site is an amazing tool. But although the updates have made some steps forward, theyve also taken some steps backwards

    – Revert to the Budget at a Glance setup you previously had. Allowed us to quickly keep tabs on just the budgets we want. The bar graphs were readily understood, and gave a great summary of spending compared to budget.

    – Bring back the Day line, that showed how your spending pace compares to where you are in the month (behind the line is best, at the line is good, ahead of the line is bad)

    – Layout needs work. Fonts and graphics are too large to digest quickly. Doesnt accurately provide a “snapshot” of your financial state the way it used to.

    Love the addition of the Budget Income! That is the key factor for commissioned sales people like myself. Helps us know when we need to tighten our budgets further if a month is slow, or if we can relax a little if a month is good.

    THANK YOU MINT!

  15. John C.
    908 days ago

    The jury is out but some things have already changed and not for the better.

    1- Two common grocery stores that I use is now labeled “Exclude from Mint” along with some gas stations. I had to manually tell Mint to “include.”
    *This is REALLY bothersome since it gives a bit of distrust with how Mint brings in my transactions. I’m thinking this is going to be now pain whereas before it was a bonus. We’ll see.
    2- Said I was spending more than usual in “investments” but when I clicked on it, there were no transactions that met that filter
    3- The Trends screen is using too much real estate. I agree with an earlier post that it takes more screen to show what it used to
    4- Still no efficient way to “tag” my transactions. I have to open each one individual instead of being able to use the check box to “tag” multiple transactions to one category.
    5- Seems a tad slower now and response time to graphs seems a little slower as well.

    • Aaron Forth
      908 days ago

      Thanks for the feedback. We will look at some of these suggestions.

      We are busy today. The site preformance should improve post peak.

  16. Vin
    908 days ago

    This is an AWESOME update; love it! Thank you Mint team!

    However, I do agree with some of Chris W’s comments, things that are stealing some of the shine…
    1. Plllleeease do not include sub-categories of already budgeted categories in “everything else”. It’s making that feature completely hard to use; and “Everything Else” has been a feature I’ve desperately waited for!
    2. The graphics are way too dark and too big.. it’s making things garish and hard to look at.

    Keep up the good work!

  17. John
    908 days ago

    Under Trends page, section 2: Spending, Income, Net Income, etc seems like it would be better suited for a drop down menu and it would save some real estate on the screen.

  18. Justin Anyanwu
    908 days ago

    PERFECT!!! Goodness . This site just gets better . I don’t think I have had this much fun watching my spending. Great job guys. Fantastic.

  19. Rob
    908 days ago

    The budget improvement is terrific. Thank you very much.

  20. Monika
    908 days ago

    Good job with adding improved budgeting, I’ve been waiting for it since the beginning. Chris W and Thomas basically covered all my comments, just have one more – can you allow users to set a default sort on the Planning page? Overall, I’m excited about testing out how the new features will work for me – I was this close to looking for a different product because of the inability to setup the budget the way I needed to. I think this should definitely work and keep me around – thanks!

  21. Randi
    908 days ago

    Love Mint.com, you do save me money, which with being unemployed at the moment is even more helpful then it always was, keep up the great work!

  22. Amit Shetty
    908 days ago

    I like the updates to the budget. Especially the “everything else” feature.
    You might want to share that with your support team though. I got stonewalled just 2 weeks ago when I asked for that exact feature!

    • Justin Maxwell
      906 days ago

      Amit, can you tell me more about getting stonewalled? We have a company policy of not discussing upcoming features until we’re ready to announce them, but your feedback is valuable — in fact user feedback guided much of this product update.

  23. Kyle
    908 days ago

    Budgets being able to roll over to the new month is perfect. However, the budget at a glance does not show enough, and the Planning tab is unusable. Why such a huge font?

  24. Marcello Dugatti
    908 days ago

    Still no support for a lot of credit unions, prominent or not…

  25. Brian Maryo
    908 days ago

    Everything looks great with exception of the new planning section.

    The budgets are hard to read. I thought it might be my browser but I am using FireFox 3.0.13 so I doubt it. I wish my budget looked like the first image on this blog post.

    (1) I don’t really like the fully qualified names (ex: Auto & Transport: Auto Insurance) but the rather the old style (Auto Insurance).

    (2) The progress bar on each budget item covers the budget amounts (because I am over budget on a couple of items).

    (3) The budget amounts by themselves are difficult to read. (ex: $50 of [is in a light great that is very difficult to read] $500)

    (4) Items in my ‘Everything Else’ section are in my budget and should not be showing up in ‘Everything Else’ (ex: I have an Education budget but an item in Education: Tuition is showing up in ‘Everything Else’).

    I really don’t mean to pick on the service. Overall I think it is amazing and the new planning feature with ‘Everything Else’ is brilliant. I am just pointing out some issues I encountered.

    • Justin Maxwell
      906 days ago

      Brian, thanks. Justin@Mint here.

      I assume you’re a PC user. There was a CSS bug in win XP/Vista and we should be rolling out a bug to fix it. It should greatly impact the layout of the page for you.

      1) got it, thanks for telling us.

      2) bug, fixed tonight (hopefully). Bit of a bummer and I’m sorry you had to see that. Thanks for your patience.

      3) Thanks, we’ll increase contrast.

      4) See other comments about that. We think you’ll find this valuable over time. There’s no harm for them to show up in “everything else”, it’s that our calculation and the way we’re presenting it is making it appear so. We’ll sort that out, and thanks for telling us about it.

      Great feedback — we really appreciate it, and thanks for using Mint!

  26. Hannah
    908 days ago

    I just want to agree with the points being made about 1) bringing back budget-at-glance and “day line” and 2) the subcategories in the everything else budget, which render it almost useless.

    Also, I cannot figure out where the projected savings number is coming from. Shouldn’t this just be my budgeted income minus my budgeted expenses? It doesn’t add up. Can anyone help?

    • Eric
      908 days ago

      I agree with Hannah – shouldn’t the projected savings number be my budgeted income minus my budgeted expenses? I have budgeted income of ~5,000 right now, and budgeted expenses of around 4,000, and the resulting projected 1 month savings is like $4,200. Am I not using this correctly/missing something?

  27. phoenix
    908 days ago

    Mint no longer integrates transactions from certain bank accounts properly, so I had to manually go through and fix it all… And some of those transactions are listed something like four times, rather than twice (as they’re payments to credit cards following a transfer from savings to checking).

  28. Jon
    908 days ago

    No improvement to entering cash transactions? I still have to split my ATM withdrawals? This is silly.

  29. AM
    908 days ago

    My budget period does not run from the first of the month to the end of the month. Rather it is based on a spending period that has to do with credit card cycles. It would be nice to be able to set different spending periods for budgeting purposes.

  30. curtissampson
    908 days ago

    I LOVE THIS SITE!!!!!!!

  31. seanMichael
    908 days ago

    THe Blog must be updated. We are only allowed to use IE7 at work and there must be some sort of error in your html syntax, because the left and right columns are overlapping.

    just wanted someone to know

  32. Neil
    908 days ago

    As you can see a lot of people are disappointed with the changes to the site. Instead of forcing the new upgrade on customers, you should leave the old interface intact like Google does for Gmail. Over time, you’ll see users slowly switching to the new version once you’ve got it right.

    Here’s a good contrast of Facebook and Google’s approaches to updates:
    http://alumnit.ca/~apenwarr/log/?m=200903#23

  33. Aaron Forth
    908 days ago

    Thanks for point out that loans are not showing up in the net worth graph. We will fix the bug shortly (ETA 2-4 days) to fix the issue.

  34. Paul
    908 days ago

    I agree with Chris. Love the site but the budgeting graphics repelled me. I liked the small, at-a-glance on page one much better. I still have not been able to find other new features but i will do more exploring tonight. Thanks for the hard work and most importantly, responding to your community. Support Mint’s advertisers!

  35. Brad
    908 days ago

    With all the work on the graphs… I wish they would have added a bar/line graph combination that would show me historically how my spending tracked to my defined budget…. would really help one see if they are constantly exceeding or staying below a certain budget line.

  36. duane haas
    908 days ago

    When can we expect the ability to enter in upcoming transactions, as a long time user of quicken, its really the only option i have right now with quicken that i dont have with mint?? thoughts?

    • Landis
      907 days ago

      I agree. If I can enter transactions that I’ve made that haven’t yet cleared my account, I can CATEGORIZE them before I lose the receipt. I don’t tend to use the budgeting features on Mint frequently; I glance at it from time to time to see where I’m at, but it’s an approximation for me, that’s about it. I feel that my historic categorized spending tells me a lot more about where I’m going. I checked the new layout, and it seems fine. As someone else mentioned, periodic rolling averages would be a good thing – a 30-day rolling comparison vs a calendar month comparison. Very useful for those bills that fall just after the first of the month; currently sometimes you have two payments fall under one month and none in the preceeding month – tell me that doesn’t throw things off!

      Just let me add in these transactions that haven’t yet cleared so I can get them categorized before I lose the receipts… I don’t evem care if I have to manually reconcile them once they’ve cleared.

  37. Jax
    908 days ago

    I like it so far, I am a little agrivated that “kids” is now “kids – name-daycare” and kids – second name daycare, etc. I liked it better as just kids, now it is making me break it up …

    Also, I was spoiled by Money (evil word I know) but I really do miss being able to forecast by entering dates and costs that I know are coming up and when I put them in my bill payer. Along with the income,etc. It just helps with checks and other costs that aren’t in a budget. Better yet, that are in a budget but they actually have a date and net income associated with it. Does anyone know what I am talking about?

    • Dan
      908 days ago

      I know exactly what you’re talking about. In fact, the lack of pending, reconcilable transactions in Mint is keeping my Google Alert notification looking for news about Quicken 2010.

      You NEED to be able to enter in transactions such as checks when they are written, not when they clear the bank. A budget and current view is only so effective if you’ve got a ticking timebomb out there in the form of uncleared checks.

  38. Jason Buxbaum
    908 days ago

    Agree whole-heartedly with Chris W’s #2 and #4. Otherwise, love the changes.

    (But those two issues, esp #4, are big issues for me.)

    Thanks!

  39. Rob
    908 days ago

    FINALLY!

    This is a great first step on budgeting..thanks

  40. Alexa
    908 days ago

    Overall I like the new Mint.com, however most of my transactions were changed and it says that I spent 341.84 on most of my purchases. I didn’t spend 340 bucks at starbucks…

  41. Aaron Gyes
    908 days ago

    Great! But my net worth over time graphs are wrong. I need to be able to tell it when I acquired a property.

  42. Autumn
    908 days ago

    We appreciate your efforts. However, we preferred the old way that the budget was displayed (with the bar graph for each budgeted item and the line that showed where in the month we are). Please change Mint back so that we can still use the old graph feature! Thank you.

  43. Autumn
    908 days ago

    P.S. I agree completely with Chris W’s comments.

  44. Andre
    908 days ago

    Now you need a Blackberry App and support for Tradeking and you are all set! That and using all that beautiful data to make more money!

  45. Magezi Mukandala
    908 days ago

    Simply amazing. I noticed what I thought were small cosmetic changes, such as the layout change on the “Overview” page. The wealth of improvements is almost staggering. I was sitting down to setup a Quicken desktop account to compliment my Mint.com services, but I do not believe I have to any more.

  46. Suzanne
    908 days ago

    Love MOST of the changes…but having the subcategories under the ‘Everything Else’ section rather than under the proper main heading just doesn’t make sense. For example, why couldn’t you have Home expand and show ‘Mortgage and Rent’ and ‘Home Services’ as rollups to total Home?

  47. Jim S
    908 days ago

    Have been using mint for a year and LOVE most of it but AGREE with Chris W. on all! I guess still don’t get the budgeting… I want to do a zero based budget for the month. Spend each dollar in a budget down to zero on mint (not on paper Sorry Dave R.) for the month before I spend it. Each dollar has a name. What I don’t get is why does the budgeting allow the sub-categories to add up higher than the Top-level!?! For example: This month I have under “Auto & Transport’s” sub catagories (Service & Parts $175+,Gas & Fuel $500+,Auto Payment $1600+,Auto Insurance $200) that add up to $2475 but the top level Auto & Transport only shows $1800 or should I say is independent?.? Also, how can you have “The Budgeted Expenses” of $8300 and a “Budgeted Income” of $8300 and show a “Projected Saving” for a Month of $110?

    P.S. Car paid off this month! NO MORE CAR PAYMENT! Thanks MINT for helping me keep track of where the money goes!

  48. Brad
    908 days ago

    Chill on the budget fonts and white space. Why so big? Bring back the day line! Net Worth graph is broken.

  49. Kyle Pott
    908 days ago

    Really would like to be able create a budget for a specific tag instead of only categories. Can you add this as an enhancement request?

  50. Amy
    908 days ago

    I like how you can create rules to remember categories. I wish you could also create rules to remember splits. I like to split our paychecks into all the taxes etc. but don’t want to reenter each time. I’m a current MS Money user looking for a new finance program. Mint has some great qualities but I’m hoping for some upgrades too.

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