Does Credit Karma Have a Budget App? Understanding Its Features in 2025

With Credit Karma being a household name for checking credit scores and monitoring credit reports, and especially after its parent company Intuit decided to integrate features from the shutting-down Mint app, many users are asking: Does Credit Karma have a budget app? Or does it offer robust budgeting features?

The answer in 2025 is nuanced. Credit Karma itself is not primarily a dedicated budgeting app. Its core focus remains on credit health, monitoring, and financial product recommendations. However, it *has* incorporated some financial tracking features, largely drawing from the capabilities of the former Mint platform. Let’s break down what Credit Karma offers and how it compares to a dedicated budgeting tool like Asper.

What Financial Features Does Credit Karma Offer?

Credit Karma provides users with several valuable tools, mostly centered around credit and overall financial visibility:

• Credit Score Access & Monitoring: Its primary function – providing free access to scores and reports from TransUnion and Equifax, along with credit monitoring alerts.
• Credit Factors Analysis: Helps users understand what impacts their credit scores.
• Financial Product Recommendations: Suggests credit cards, loans, etc., based on your credit profile (this is how the platform primarily makes money).
• Spending Tracking (Mint Integration): Allows users to link bank accounts and credit cards to see categorized spending transactions. This is a key feature inherited from Mint.
• Net Worth Tracking (Mint Integration): Ability to link various accounts (banking, investment, loans) to get an estimate of your overall net worth.
• Bill & Subscription Monitoring (Potential): Features related to identifying recurring charges might be present or evolving.

So, while you *can* see your spending and net worth, Credit Karma’s platform is built around using this data primarily in the context of your credit health and potential financial product needs, which is different from the goals of a dedicated personal budgeting app.

Where Credit Karma Differs from a Dedicated Budgeting App:

If your main goal is active, hands-on budgeting, you might find Credit Karma’s features less robust than specialized apps in areas like:

• Granular Budget Creation & Management: Dedicated apps often offer more flexibility in setting detailed spending limits per category, using specific methodologies (like zero-based or envelope budgeting), and tracking progress against those granular budgets.
• Goal Setting Integration with Budget: While you can track net worth, tying specific savings goals directly to budget categories and tracking contributions might be less emphasized.
• Focus on Behavioral Change & Spending Habits: Credit Karma shows you *what* you spent; dedicated budgeting apps often focus more on *why* and *how to change* those habits.
• User Interface Centered on Budgeting: Dedicated apps prioritize budget views, spending analysis charts, and goal progress dashboards. Credit Karma’s UI is primarily focused on credit scores and related information.

Essentially, Credit Karma provides financial *visibility*, while dedicated apps focus on financial *management and control*. Many users are seeking specific budgeting apps to replace Mint’s dedicated focus.

Asper: Your Dedicated Partner for Budgeting and Spending Awareness

If active budgeting, understanding your spending habits, and getting motivated to save is your priority, Asper offers a focused and engaging solution:

• Built Specifically for Budgeting: Asper’s core purpose is to help you track expenses, set spending limits, and reach savings goals.
• Unique Behavioral Nudges (The Roasts!): We don’t just show you numbers; our signature transaction roasts give you immediate, witty feedback designed to make you think about your purchases and change habits.
• Robust Free Tier for Core Budgeting: Get bank syncing, spending limits, goal tracking, and the roasts all for free – perfect for those who relied on Mint’s free model. Explore other free app options too.
• Simple & Intuitive Interface for Budget Tasks: Easily set limits, track spending against them, and monitor your goals.
• Focus on Actionable Insights: The roasts and tracking aim to empower you to make immediate changes to your spending.

Asper is designed to make budgeting less passive and more interactive, helping ensure your efforts lead to real results.

Credit Karma vs. Asper: Different Tools for Different Jobs

• Use Credit Karma if: Your main focus is monitoring your credit score, understanding credit factors, tracking your net worth, seeing a high-level spending overview, and getting financial product recommendations.
• Use Asper if: Your main focus is actively managing your daily/weekly/monthly spending, setting and sticking to category budgets, saving for specific goals, and you want an engaging tool to help you build better spending habits.

They can even be complementary: use Credit Karma for your credit health overview and Asper for deep-diving into your budgeting and spending habits.

Conclusion: Choose the Right Tool for Your Financial Focus

While Credit Karma offers valuable financial visibility tools, including spending tracking and net worth features inherited from Mint, it is not a dedicated budgeting app in the traditional sense. Its primary focus remains on credit health.

If you’re looking for an app specifically designed to help you budget actively, manage spending categories, save effectively, and build better financial habits – especially if you appreciated Mint’s free model but want something more engaging – Asper is built for you. We provide the tools and the unique motivation to help you take control of your budget.

Ready for a dedicated budgeting companion with a personality? Download Asper!

For iOS: Download Asper on the App Store

For Android: Get Asper on Google Play