Nifty... now mint just needs to talk to my bank correctly...........

I'm obsessed with Mint. I haven't touched Quicken in months.

The "Deactivate" feature on the website is also very clever. As of now, I am using the PIN feature on the iPhone - just in case my phone gets stolen.

I hope that "$99 Wal-Mart phone" becomes official Consumerist nomenclature for the iPhone... I think it must set off a reflexive twitch with all the showy iPhone owners out there.

@Necoras:

...and support manually inputting transactions to reconcile later. It's basically only useful as a budget monitoring tool for me. It assumes you're okay with floating checks and living only with the knowledge of how much money your bank thinks you have spent, rather than what you know you have actually spent.

I was interested in this web site, but the moment they're like "give us all your bank accounts and passwords," I decided not to do it.

If I get a read-only bank account, I would consider it, but in this day and age, I'm paranoid about every financial thing on the web.

@ScubaSteveKzoo: I was paranoid of wesabe.com too when they asked this, but I haven't experienced any adverse affects. Unfortunately, to use these kind of sites, you have to be willing to trust them. I'm sure many readers here can vouch for their security.

@punkrawka: I bought a cheap chinese iClone so I can *look* showy but keep my $20 a month prepaid line :D

Mint is really amazing and 20 minutes ago I never heard of it. It really is effortless and easy. The hardest part was finding the passwords to my online accounts.

After having used Quicken for 10 years, I finally abandoned it in favor of Mint. Mint is fantastic for tracking expenses against a budget. It used to take me an hour each week to process all my transactions into quicken, now with Mint, which does a much better job auto-categorizing transactions, I get it done in just a few minutes a week.

The iphone app isn't working completely for me.

To everyone who uses mint:

The one thing that I have always wanted in these types of services is the ability to add a manual account that you can keep track of yourself. So I tried EVERY one of these services and NONE of them do this. I did some research and it turns out that alot of these services get their data from Yodlee. Well, guess what, Yodlee offers the EXACT same services (for free) but also allows you to hook your utility bills as well as setup manual accounts. You can even set due dates, and whatever else you want.

I setup EVERYTHING last night and its all perfect!

@Chongo:

side note: Security is always an issue but so far I have no seen any way to move money around with these services. I know Wesabe uses a program that stores all of the info on your computer, and mint doesn't even ask for your name when signing up.

Yodlee explains (somewhere on their site, I lost the bookmark) that there are layers upon layers of physical and software firewalls in their system. Employee's cannot even gain access to the hard financial data, computer terminals in their offices are stripped down versions of super locked up linux. There are lots and lots of other precautions they take (as well as the other companies) so I'm actually not too worried. But you should always change your passwords every few months and you should always monitor your accounts and credit.

I finally signed up for Mint the other day and love it. Here are my impressions:

1) The Budget feature is squirrely, but promising -
a) it "double dips" sometimes on spending categories. If you spend in a budgeted subcategory, it also counts that against the "superior" category. So if under "shopping" I have "Trent personal account" and "wife personal account", any expenditures in those categories count again against shopping.
b) You can't set the period. For example, if I spend $270 every 6 months for car insurance, I have to do the math and break it down to a monthly expenditure. Then, when that $270 hit comes, it makes me look like I'm way over budget.

2) I don't have an iPhone yet, so I can't enjoy the cool iPhone application

3) The auto updating works better than Quicken's (which I could never get to interface with my 401k, but Mint did with little problem).

Eh, there are other similar apps for the iPhone out there and I have the same trouble I did with them that I did with Mint. They don't work...

I get texts from Mint once a month with my balances. They're so far off I stopped even looking at them. Same with one of the other options I was using. I had $1.68 in one of the few accounts that I could get to "work" with it and it reported it back to me as $168.

I've dabbled with Mint a bit, and as an iPhone user, I downloaded the iPhone app, but more out of curiosity and as a bit of a competitive analysis, as I work at Intuit and have been really trying to give Quicken Online a run for its money. For those worried about security, though, it seems as if this app is essentially read-only. I can find no way to make any sort of modifications, even to budget items. It looks like the iPhone app is designed to just read yoru account info, not make any changes to it--which may be its intent, trying to lower the risk of using Mint with a portable device.

And then, this may be just a first pass, with read/write functionality coming in later versions...

When I tried to download it I got a message saying that it was not compatible with my Iphone. WTF? Is it only compatible with the 3G Iphone?

Did you get the 2.2 software update?