When comparing Mint vs Buckets, the Slant community recommends Mint for most people. In the question“What are the best cross-platform budgeting apps?” Mint is ranked 3rd while Buckets is ranked 10th. The most important reason people chose Mint is:
Mint can handle banking accounts, saving accounts, credit cards, etc. It consolidates all your accounts together so you do not need to put work into following multiple accounts.
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Pros
Pro All accounts in one place
Mint can handle banking accounts, saving accounts, credit cards, etc. It consolidates all your accounts together so you do not need to put work into following multiple accounts.
Pro Organizes budget into categories
Mint splits your spending into different categories, such as gas or fast food, so you can see where you're spending too much money or how much you need to budget for.
Pro Alerts
Mint can be set to alert you to various events such as upcoming bills, or low balances on any accounts. It can be set to alert you from the app, through email or by text message. In addition you can sign up to recieve monthly emails about your money and ways to improve your budget.
Pro No monthly fee
Pro Budgeting closely integrated
While not perfect, the Buckets is the only offline budgeting desktop application which has budgeting as front-and-center as YNAB 4, and the developer is continually working on it, so hopefully it will be improved further.
Pro Untimed, free trial
Evaluate the app for as long as you need prior to purchasing.
Pro Syncs with your bank
Allows you to write private macros and import data securely from your bank.
Pro Import from YNAB4 Budget
You can upload your YNAB4 budget and you are ready to go.
Pro Imports Amazon transactions
This program will import and reconcile Amazon transactions.
Cons
Con Not international
Only works for US & Canada banks, and even then there are banks (like EQ Bank) that have actively blocked access to Mint.
Con Online only
It does not work offline.
Con Unsafe
With very few exceptions, Mint isn't just syncing your data over, but is using your username and password to log directly into the bank website. Banks will not reimburse for any fraud or stolen funds that may result from this, or may use Mint as an excuse to not reimburse for charges or stolen funds that occur from other causes.
Con Categories organization not flexible
Con The budgeting part has too many bugs
Con Very complicated tool
Of course, it's powerful but also very complicated. Some would prefer tools which are less robust, has less features but are a lot easier.
Con Check Number/Transaction ID is not available
If you have checks or transaction IDs, you are forced to used the Memo field which is over used for memos and/or payees.
Con No payee field
The "memo" field is over used as a payee field within the program. If you use the "memo" for payee, you cannot have any other description of the transaction. If you use the "memo" for a memo, you cannot track the payee.