Truebill vs. Mint [2021]: Which Free Budgeting App Can Help You Save More?

Both Truebill and Mint can help you save money and manage your finances. But does one offer more value than the other?
Last updated May 13, 2021 | By Ben Walker
Couple budgeting at coffee table

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If saving money, creating a feasible budget, and getting your finances under control sounds overwhelming to you,  consider using an app like Truebill or Mint. Both Truebill and Mint can help in many different financial situations, but the better app for you depends on what you’re looking for. 

This Truebill vs. Mint comparison will help you better understand how each of these apps works, as well as their benefits and drawbacks. With this knowledge, you can decide which app might be the right fit for you.

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Truebill vs. Mint

The best budgeting apps can make it easy to quickly check your finances whenever you need to, whether from a phone or computer. They might also help you create and stick to a budget if you’re trying to save up money or pay down debt.

Truebill and Mint are both considered free budgeting apps because they offer complimentary financial services to help with your budgeting needs, though Truebill offers optional paid features. Both apps are designed to help you keep track of your finances and spending with the overall goal of helping you save money. However, each app achieves this goal in different ways, so depending on what you need, you might prefer one app over the other.

Use the table below to see Truebill and Mint’s similarities and differences to see which app might align more with your financial goals.

Type of app Budgeting Budgeting
Cost Free, with optional paid features Free
Availability Desktop web browsers and mobile apps (Android and iOS devices) Desktop web browsers and mobile apps (Android and iOS devices)
Features Budgeting, financial tracking, savings goals, checking credit score, bill negotiation Budgeting, financial tracking, savings goals, checking credit score, money-saving opportunities
Best for... Budgeting and bill negotiation Budgeting, savings goals, and checking your credit score
Visit Truebill

How does Truebill work?

Truebill is a free financial services app that could potentially help you save money through budgeting, lowering bills, and getting rid of unwanted subscriptions. If you want to create a budget to help reach your financial goals, this could be a good place to get started. However, a lot of the true value of Truebill may come from its other services, including locating your recurring bills and offering negotiating services to help lower your bills.

For example, the Truebill dashboard in your online account shows all the subscriptions and bills that Truebill finds in your connected financial accounts. This can help you locate any subscriptions you want to get rid of and you can also have Truebill negotiate any applicable bills that seem too high.

Be aware, Truebill will take a 40% cut of any savings it gets you when negotiating lower bills. If Truebill doesn’t negotiate a lower bill, it doesn’t take anything from you.

Read our Truebill review.

Truebill Benefits

  • Automatically find and cancel subscriptions
  • Slash your monthly phone, cable, and internet bills
  • Save an average of up to $720 a year

How does Mint work?

Mint is a budgeting app owned by Intuit that works to help you save money through creating budgets, setting savings goals, and keeping track of your spending in real time. Mint’s interface is simple and easy to use on either a computer or a mobile device. And because the app is free, there’s no stress about an added cost when you’re trying to save money.

In addition, Mint makes it easy to check your credit score at any time and keep track of the factors affecting your credit. And if you’re interested in deals on credit card and loan products, Mint offers those as well.

For more help with saving money, be sure to browse the “ways to save” tab in Mint. This area gives valuable information on different types of financial products you might find helpful, including credit cards, personal loans, life insurance, and more.

What both budgeting apps excel at

Because both Truebill and Mint are budgeting apps designed to save you money, they’re bound to have a few similarities. Here are a few ways both apps excel with the services they offer:

  • Free to get started: Both apps require you to create accounts to get started, but it’s free to sign up and use their services. You’ll also need to connect your bank accounts and credit cards to either app if you want to track all your finances, but the process is quick, free, and easy.
  • Easy access: It’s easy to use Truebill and Mint from wherever you are because you can access their services from any compatible mobile device or computer. Both apps are available for iPhone and Android, or you can access your online account straight from either website.
  • Financial tracking: Connecting your financial accounts to Truebill and Mint allows you to quickly see a full overview of your cash flow. This can be helpful if you have multiple bank accounts and credit cards you’d like to keep track of, especially if you’d typically have to access them through different online accounts. Everything’s in one place with Truebill and Mint, so there’s no wasted time navigating between different financial institution and card issuer websites.
  • Budgeting: Both apps offer free budgeting services if you want to cut down on your spending in one or more categories. So if you want to keep track of how much you’re spending on something like gas or groceries, consider adding the category as a budget and then choose how much money you want to stay under each month. This might help you be more thoughtful about your spending as you categorize your expenditures and see what's happening in each area.
  • Savings goals: Truebill and Mint have straightforward savings features if you’re interested in saving up money for a specific goal. Both apps work similarly to help you save money, but you’ll have to upgrade to a premium account on Truebill if you want to access its Smart Savings feature.

4 important differences between Truebill and Mint

Truebill and Mint have plenty of similarities, but they also have a few striking differences. By looking at their differences, it’s easy to see how one app might be more valuable for you than the other. This may include whether additional budgeting features cost money to use or how you specifically want to use an app to save money.

Here are a few important differences between Truebill and Mint:

1. Desktop interface

Both apps are easy to navigate and understand through their mobile app interfaces. You simply navigate to the Apple Store or Google Play store on your device and install the app. Then you log into your account and start managing and tracking your finances. However, the experience isn’t the same when you use a computer for Truebill’s services.

The desktop interface for Truebill only shows a few things on your dashboard, including your monthly summary, subscriptions, and monthly bills. On the Truebill app, you’ll find a lot more features, including budgets, bank account details, credit card account balances, and savings goals. Of course, this can be limiting for computer users because the mobile app is a lot more in-depth.

The Mint mobile app and desktop experience are very similar, so you won’t necessarily miss out on any features when switching between the two options.

2. Lowering your bills

Budgeting apps like Mint and Truebill are designed to help you create and stick to budgets each month, which might help you save money over time. However, Mint doesn’t go far beyond helping with your typical financial features, like budgeting, setting savings goals, and checking your credit score.

Truebill, though, offers unique ways to lower your bills and save money. Truebill works to automatically identify all your subscriptions when you connect your bank accounts and credit cards. This can be helpful for tracking your spending on subscriptions, but it can also be useful for identifying and canceling subscriptions you no longer need.

In addition, Truebill also offers negotiation services to help lower bills that are too high and it can also help you get refunds on fees and outages. You’ll have to pay 40% of the savings or credits for these services, but saving 60% overall is still better than saving nothing.

3. Paid features

Truebill offers optional paid features to unlock additional services within the app. Mint doesn’t offer any paid features, but that’s not necessarily a bad thing. If you compare the services you have to pay to unlock with Truebill to what Mint offers for free, there’s not much difference.

For example, you can check your credit score with the free version of Truebill, but if you want to see the factors affecting your credit score, you’ll have to pay for its premium features. In addition, it’s easy to set up a budget with Truebill, but you’re limited to how many budgets you can set up for free. You have to pay if you want to unlock unlimited budgets. Truebill Premium membership costs between $3 and $12 each month. And you get to choose how much you want to spend on your premium benefits within that range.

Mint doesn’t charge anything to use its services and features. Every member gets complimentary access to checking their credit score and credit score factors, creating customized budgeting plans, creating savings goals, and more.

4. Ways to save

You may notice different types of financial products and services available to browse as you use Truebill and Mint. These products aren’t necessarily offered by either app, but they can still be helpful for you depending on what you’re looking for. However, Mint easily has a more robust offering of available products for its users.

Within the Mint app, you can find credit cards, loans, investment accounts, savings accounts, and different types of insurance. The Truebill app currently (as of Dec. 27, 2020) only shows options for different types of car insurance.

It’s helpful to have more available options in the Mint app, as these offerings can help you save money on important financial products.

Which budgeting app should you choose?

The best budgeting app for you between Truebill vs. Mint comes down to what you’re looking for. Both budget apps offer services and features that can help you learn how to save money while also tracking all your finances, including income and expenses. Both apps are also free to use and you have the option to use them from a computer or compatible mobile device.

However, it’s easier to see where either Truebill or Mint might be the better option for you when you look at their differences. Mint has all the features you need for creating budgets, hitting savings goals, gaining insight into your spending habits, and reviewing your credit. It’s an excellent option for tracking your daily expenses, cutting down overall on your spending, and getting a good picture of your financial health.

Truebill is a free app, but it also has optional paid features. Some of these paid features, like creating unlimited budgets and looking at your credit score factors, are freely available on Mint, which makes Mint the more affordable option for budgeting. However, Truebill does have other money management features you won’t find with Mint.

If you specifically want to cut down on your monthly subscriptions and lower your monthly bills, Truebill excels in these areas. Truebill locates your monthly subscriptions so you can decide whether you want to get rid of any. Truebill can also help lower your monthly bills with its professional negotiating services, which cost you money only if they end up saving you anything.

For overall budgeting, it’s hard to beat Mint’s free services. For specific ways to lower your bills, Truebill makes a good case.


Is Truebill better than Mint?

Truebill isn’t necessarily better than Mint, and Mint isn’t necessarily better than Truebill. Both Truebill and Mint provide helpful financial services if you want to create budgets or save up money for specific goals. You could also use either app to check your credit score and the factors affecting your credit.

Truebill does offer unique money-saving options like negotiating lower bills and getting refunds on common fees and outages. However, some of Truebill’s features cost money before they’re unlocked. Mint’s features are free to use. Be sure to consider both apps to see which one might better suit your needs and financial goals.

Is Mint the best budgeting tool?

Mint is one of the best budgeting tools available. It’s free, offers plenty of great features, and it might help you save money if you use it consistently. Mint’s features include budgets, setting savings goals, net worth tracking, checking your credit score and your credit score factors, checking your investments, and much more.

Can Truebill actually help lower your bills?

Truebill might help lower your bills, depending on your situation. Truebill offers multiple ways to help lower your bills, including professional negotiating services and finding refunds on service outages and fees for existing bills. You pay 40% of what Truebill saves you on these bills or nothing at all if Truebill doesn’t end up saving you anything.

Does Truebill cost money?

Truebill is free to use, but it does come with optional paid features. For example, it’s free to create a budget in the Truebill app, but you can only create a limited number of budgets until you have to upgrade to the paid version. You also need a premium membership if you want to use Truebill’s Smart Savings feature and save up money for specific goals.

If you want to lower your bills with Truebill, you’ll only pay money if Truebill saves you money in the first place. So if Truebill negotiates down your internet bill, you’ll pay 40% of what Truebill saves you. If Truebill doesn’t save you anything, you won’t pay anything. You get to choose how much you pay Truebill for a premium membership, which costs anywhere from $3 to $12 per month.

Bottom line

Figuring out how to manage your money is made a lot simpler when you take advantage of helpful financial apps. In addition to Truebill and Mint, there are other apps out there, including YNAB (You Need a Budget), Personal Capital, EveryDollar, and Goodbudget. And, of course, there's always good old Google Sheets.

But when it comes to Truebill vs. Mint: Truebill might be one of the best money-saving apps for subscriptions and bills, while Mint could be one of the best choices for creating monthly budgets and monitoring your entire financial life. 

Either personal finance app could work for most people, but it’s important to consider them both when thinking about your finances. One of them may align better with your goals, which would make your decision between the two more straightforward.

Of course, you can always use both apps at the same time if you want to take advantage of their different features and benefits. Using Truebill to help lower your bills and using Mint to manage your finances can potentially offer more value than using either app by itself.

Truebill Benefits

  • Automatically find and cancel subscriptions
  • Slash your monthly phone, cable, and internet bills
  • Save an average of up to $720 a year

Author Details

Ben Walker Ben Walker is a credit cards and travel writer at FinanceBuzz who loves helping others achieve their travel goals through financially-sound decisions. For nearly a decade, he has been using credit card points and miles for the sole purpose of traveling the world. Ben has been featured in The Washington Post, MSN,, and