Life after Mint — without trusting another cloud
Mint taught two lessons the hard way: a free app pays for itself with your data, and a cloud app can shut down and take your financial history with it. Most Mint refugees picked a new cloud. Coffer is the other answer: the automation of Mint, with your data on your own computer — where no acquisition, pivot, or shutdown can touch it.
| Coffer | Mint (as it was) | |
|---|---|---|
| Where your data lives | Your computer. Only. | Intuit's servers |
| Business model | $79/yr subscription — you are the customer | Free — your data funded the ads |
| Bank feeds | Plaid or SimpleFIN, read-only | Automatic (Intuit) |
| If the company disappears | The app keeps working; your data is yours | It did — history gone with it |
| Receipts & real merchants | Email receipts matched to charges; processor prefixes decoded | — |
| Price-hike & refund watching | Yes — measured from your own receipts | — |
Honest fine print
Coffer is a desktop app (Mac and Windows) — there is no phone app yet, because syncing to a phone means someone’s server, and we haven’t found a way to do that without breaking the promise. If mobile-first matters more to you than data custody, a cloud app will fit better today.
Read what happens to your data if you cancel — the question Mint made everyone start asking.