04/04/2011: Mint.com is owned and run by Intuit, a little company with some experience in the tax and investment arena. (TurboTax, Quicken, QuickBooks, business marketing and management, etc.)
The only similar website/app pairing in this department I've used is PageOnce.com, which focuses more on bill tracking and general web login aggregation. If you want something to monitor and remind you for all of your utilities, credit cards, ebay bidding, and that ilk, look at the PageOnce app. It has a free version and a paid version that allows more than a handful (5? 10? Haven't used it in a while, myself,) of tracked websites. The paid version is $15 IIRC, which is more than your average app purchase, but the website is free to use, which is the vast majority of the service.
Mint focuses entirely on the investment and credit end of finances. You'll provide your car loan account, mortgage, credit cards, CDs, and stock portfolios and mint will provide (very!) easy to use budgeting tools and inform you of a relatively wide range of customizable alerts, most of which are disabled by default.
There are a few features that I was particularly pleased about when I realized they were there:
- Mint tracks your property values via Z!llow, to compare with what you owe on your mortgage. Cringeful at times, but still good to know.
- Mint reminds you to obtain a current credit score on a regular basis; vital to watch out for identity theft or credit snafus if your credit/bank accounts don't do this for you already.
- Mint will guide you to invest for large future purchases with the "Goals" feature by guiding you to (advertised affiliate) high interest savings options based on the budgets you've set up for yourself.
- Mint tells you when you're spending too much on Amazon Daily Deals for your own good, -assuming- you've (easily!) set your budget limits.
- Mint gives you a good idea of whether your investments are paying off according to national averages as well as points you to lenders with better APR and lower fees. The "Ways To Save" tab on the website lists a solid collection of credit cards and bank accounts, organized by reward to cost; happily, Intuit always clearly labels which providers are paid sponsors vs. which are just better than your current rates.
The website (like the aforementioned PageOnce site) is the real meat and mead of the service, delegating the Mint.com Personal Finance app as a general income/expense real time monitor. Probably the best feature of the app is the Home Widget that provides at-a-glance Cash and Credit Debt totals for all of your accounts. Invaluable for dumb schmoes like myself that virtually survive on impulse buys. *Okay, I really want that, but it's outside my budget because I owe $2988 and only have $2232 as of half an hour ago.* By checking this widget any time I'm about to make a pricy mistake, I've saved myself bucket loads of pain down the line.
Mint.com gave me what I needed to dip my toe into actual credit instead of living on cash-in-hand for the decade since I moved out from my folks' place. It's easy to use, feature-rich, and never presumes you know the finer points of investment, credit, or how to tell the difference between an IRA, a CD, and a mattress full of ones.
It's free, from a reputable and established company, and genuinely useful. I'd recommend it to, well, anybody willing to read a recommendation, apparently.
02/16/11: Update! As Android development has continued apace, Mint.com has kept up in most cases. The app is still on my most-used list, the site is still excellent, and I would be emotionally damaged if I lost my now-long-standing relationship with the service. That said, the updates have been minimal and uncommon. That's both good and bad. It's good for anyone that watches their data usage (I don't) or values stability in anything with your entire life's savings at its fingertips (I do). It's bad because the app is still in Android2.1Interfaceville and hasn't kept up with a few of the design paradigms. That includes a resizable widget and a small handful of API references that would improve the user interface. So far as functionality, Mint.com remains rock solid. After reading through all that again, I realize I should mention that I'm unaffiliated with... anyone, really. I'm solely an OCD end-user that likes to read what he's written far too much.
3/5/13: Updateydate! The Mint.com app has, as of a couple of months ago, been fully updated to the delicious JellyBean interface standards. That includes three new resize-friendly widgets in addition to a modernized basic Balances widget. One new and delightful bug has also been introduced. When I first add a Mint.com widget to my (HTC Rezound, AOSP, CM9+, Apex) launch screen, the phone enters Airplane mode. I'm at a genuine loss as to why. It may be the fault of Apex Launcher as I don't recall Mint.com possessing the permissions to actually toggle Airplane mode. Nevertheless, this is the sole app to cause this exciting and initially disconcerting connectivity change. The app itself has only gained features and greater information control, so I'm certainly not going to complain.