Free Alternative to Mint for PDF Statement Analysis

Why Users Are Leaving Mint

Mint shut down in March 2024, leaving millions searching for alternatives. But even before the shutdown, users faced serious limitations:

• Security concerns: Connecting bank credentials to third-party apps
• Sync failures: Transactions missing or delayed by days
• Categorization errors: 30-40% of transactions miscategorized
• No PDF support: Can't analyze statements manually

The Problem with Bank Account Linking

Traditional apps like Mint, YNAB, and Monarch require you to:

1. Share your bank username and password
2. Trust third-party aggregators (Plaid, Yodlee)
3. Risk account lockouts from suspicious activity
4. Deal with sync failures when banks change security

Security reality: When you share bank credentials, you often violate your bank's terms of service, potentially losing fraud protection.

Introducing: PDF Bank Statement Analysis

A safer, more flexible approach:

1. Download bank statement PDF (already encrypted by your bank)
2. Upload to analyzer tool
3. Get instant AI-powered insights
4. No credentials shared, ever

Why Bills AI Is Different

1. No Bank Credentials Required

Upload PDF statements instead of connecting your bank account. Your login credentials stay private.

2. Works With Any Bank

Mint and competitors often exclude:

• International banks (Vietnamese, Thai, Philippine banks)
• Credit unions
• Smaller regional banks
• Cryptocurrency exchanges

Bills AI works with PDF statements from any financial institution worldwide.

3. AI-Powered Categorization (94% Accuracy)

While Mint used rule-based categorization (60-70% accuracy), Bills AI uses OpenAI, Claude, or Gemini for context-aware categorization:

• "XanhSM" → Transportation (Vietnamese ride-sharing)
• "Traveloka" → Travel (Vietnamese booking platform)
• "SHOPEE*" → Shopping (Southeast Asian e-commerce)

4. True Privacy

Your statement data is:

• Processed securely server-side
• Encrypted in transit and at rest
• Never sold to advertisers (unlike Mint)
• Deletable anytime

5. No Subscription Required (Free Tier)

Start with 5 free statement analyses per month. No credit card required.

Feature Comparison

Feature	Mint (RIP)	Bills AI
Requires bank credentials	Yes	No
Works with international banks	No	Yes
AI categorization	No (rule-based)	Yes (OpenAI/Claude/Gemini)
PDF statement support	No	Yes
Privacy-first	No (sold data)	Yes
Free tier	Yes (ad-supported)	Yes (no ads)

Who Should Use Bills AI Instead of Traditional Apps?

• Security-conscious users who don't want to share bank credentials
• International users with non-US banks
• Multi-currency users (expats, digital nomads, crypto traders)
• Manual budgeters who prefer occasional deep analysis over real-time tracking
• Anyone whose bank doesn't sync with traditional apps

Getting Started

1. Download your bank statement PDF (last 1-3 months)
2. Sign up for Bills AI (free, no credit card)
3. Upload your PDF
4. Get instant AI analysis with categorization, insights, and financial health score

Still Need Real-Time Sync?

If you absolutely need automatic bank syncing, consider:

• Monarch Money: Best Mint replacement for US banks
• YNAB: Best for zero-based budgeting
• Copilot: Best for Mac/iOS users

But if you value privacy, flexibility, and international support—Bills AI is your best choice.