What are the key differences between Mint and Earnest?

Compare Mint and Earnest side by side on Lunoo to see detailed feature differences, AI scores, and expert analysis.

How are Mint and Earnest scored?

Mint has an AI score of 9.1/10 and Earnest has an AI score of 9.0/10. Scores are based on features, user satisfaction, and overall quality analysis.

Mint vs Earnest 2026 — Compared

Mint

Earnest

WINNER Mint

Mint edges ahead with a score of 9.1/10 compared to 9.0/10 for Earnest. While both are highly rated in their respective...

emoji_events WINNER

Mint

9.1 Excellent

Accounting Get Mint open_in_new

Earnest

9.0 Excellent

Service Get Earnest open_in_new

Mint Free plan available

payments

Earnest Pricing not available

psychology AI Verdict

Mint edges ahead with a score of 9.1/10 compared to 9.0/10 for Earnest. While both are highly rated in their respective fields, Mint demonstrates a slight advantage in our AI ranking criteria. A detailed AI-powered analysis is being prepared for this comparison.

emoji_events Winner: Mint

verified Confidence: Low

Ready to decide? Get Mint arrow_forward

description Overview

Mint

Mint is a widely popular, free budgeting app that aggregates financial data from various sources, including bank accounts, credit cards, and investment accounts. It automatically categorizes transactions, allowing users to easily track spending habits and identify areas for improvement. Mint offers bill payment reminders, credit score monitoring (through TransUnion), and goal-setting features. Whi...

Earnest

Earnest focuses on borrowers with a strong financial profile, often graduate students or professionals. They utilize a holistic underwriting process, considering factors beyond just credit score, such as savings rate and employment history. Earnest offers competitive fixed and variable interest rates and allows for flexible payment options, including the ability to skip payments in certain circums...

Top Similar to Mint

YNAB (You Need A Budget) 9.5

Mvelopes 8.9

MoneyWiz 6.7

Budgeting.com 9.0

PocketGuard 8.8

See all Accounting

Top Similar to Earnest

Kiavi Student Loans 6.7

Earnest Student Loan Refinancing 8.9

Earnest Student Loans 8.7

SoFi Student Loans 8.7

CommonBond Student Loans 8.5

See all Service

info Details

Personal Finance Credit Score Real Time Data Budgeting Budget Tracking Discontinued Expense Tracking Expense Categorization Budgeting Tools Budget Categorization

swap_horiz Compare With Another Item

Compare Mint with...

Compare Earnest with...

Mint vs Earnest

Mint

Earnest

psychology AI Verdict

description Overview

Mint

Earnest

leaderboard Similar Items

Top Similar to Mint

Top Similar to Earnest

info Details

swap_horiz Compare With Another Item

Embed This Comparison

Welcome back

Create your account

Reset your password

Compare Items