Mint to Monarch Migration: Complete 2026 Step-by-Step (Verified)

Mint shut down on March 23, 2024 — and a lot of users still haven’t fully migrated their financial history. If you exported your Mint data before the shutdown but never imported it anywhere, this guide is for you. Same if you’re a recent Monarch signup who wants to bring 5+ years of categorized Mint history in to make Monarch’s reports actually meaningful from day one.

The migration takes 30–45 minutes, uses Monarch’s free Chrome extension (open-source on GitHub), and preserves your category mappings, tags, and transaction history. Here’s the verified walkthrough.

The fast answer

To migrate from Mint to Monarch:

1. If you still have access to Mint (or your Mint export from before shutdown): export your transaction history to CSV — either via Mint’s own export (limited to 10,000 rows) or via Monarch’s free Mint Data Exporter Chrome extension (gets all of it).
2. Sign up for Monarch at northvilletech.co/monarch and connect your bank accounts.
3. Import the CSV into each matching Monarch account via Accounts → Add Account → Upload CSV.
4. Map Mint categories to Monarch categories (Monarch’s import flow has a built-in category mapper).
5. Map Mint tags to Monarch tags (same flow).
6. Verify the imported transactions and clean up duplicates.

Total time: ~30 minutes for a single account, ~45-60 minutes if you have multiple accounts and years of history.

Why migrate from Mint at all

Most former Mint users have already chosen a replacement (Monarch, Rocket Money, YNAB, Empower, Copilot, Quicken Simplifi). But a meaningful number exported their Mint data before March 2024 and never finished the migration — they’re now using Monarch (or another app) without their pre-2024 history.

The case for importing the historical data:

• Year-over-year comparisons — your Cash Flow charts in Monarch can show “spending in 2023 vs 2024” instead of starting from when you signed up
• Multi-year goal tracking — see how your net worth has actually grown vs the projected curve
• Tax history — categorized transactions from prior years stay accessible for tax-prep retrospectives
• Trend analysis — identifying spending patterns requires more than 6 months of data

If you’re starting fresh and don’t care about pre-2024 history, you can skip the migration entirely. Monarch will start your historical data from when you connect each account (typically 60-90 days of bank-side history).

Step 1: Export your Mint data

If Mint is still accessible to you (some users retain account access for record-keeping), you have two options:

Option A — Use Mint’s built-in CSV export (limited)

1. Log into Mint
2. Go to Transactions
3. Click the export icon (or Export menu)
4. Mint exports up to 10,000 transactions to CSV

This works for small histories but most multi-year users will exceed 10,000 transactions. If you have years of credit-card-heavy spending, Mint’s export will silently truncate — and you won’t know which transactions are missing.

Option B — Use Monarch’s Mint Data Exporter Chrome extension (recommended)

Monarch built and open-sourced a Chrome extension specifically to bulk-export Mint data. It’s available at:

• Chrome Web Store (search “Monarch Mint Data Exporter”)
• GitHub: github.com/monarchmoney/mint-export-extension

The extension:

• Bypasses Mint’s 10,000-transaction limit
• Pulls ALL transaction history, not just the most recent
• Preserves category names, tags, and notes
• Generates a CSV file in Monarch-import-compatible format
• Is open-source, so you can audit the code if you want to

To use it:

1. Install the Mint Data Exporter extension from the Chrome Web Store
2. Log into Mint in a Chrome tab
3. Click the extension icon
4. Click Export
5. Wait for the export (can take 5-10 minutes depending on history size)
6. Save the resulting CSV file

If you no longer have Mint access (the shutdown was March 2024 — Intuit’s data retention policy has its own timeline), you’ll need to use whatever pre-shutdown export you saved. The Chrome extension doesn’t work without an active Mint session.

Step 2: Get your Mint CSV in the right format

Per Monarch’s import documentation: “The main thing to check is that multi-column data is in the right sequence – Date, Description, Amount. Having the correct field order will allow Monarch to merge and map the data cleanly.”

Open the CSV in Excel or Google Sheets. Verify columns include:

• Date (in YYYY-MM-DD or MM/DD/YYYY format)
• Description (merchant name)
• Amount (negative for expenses, positive for income — Mint’s default)
• Category (Mint category names — these will map later)
• Account (which account each transaction came from)
• Notes (optional)
• Tags (optional)

If your CSV is in a different format (some users have CSV exports from third-party tools that re-formatted Mint data), reorder the columns to match before importing. Mint’s own export and Monarch’s Chrome extension export both use compatible formats out of the box.

Step 3: Sign up for Monarch and connect your bank accounts FIRST

This is the critical step most migration walkthroughs skip. Connect your live accounts to Monarch BEFORE importing the Mint CSV.

The reason: Monarch needs the live accounts to exist as destinations for your imported transactions. If you import the CSV before the accounts exist, you’ll either create duplicate manual accounts or the import will fail to assign transactions correctly.

Order of operations:

1. Sign up at Monarch — code SMARTMONEY for 50% off
2. Apply the 7-day free trial
3. Connect your current bank accounts (checking, savings, credit cards, brokerages, retirement) — full walkthrough in How to Connect Bank Accounts to Monarch
4. Wait 1-3 minutes per institution for transaction history to populate (most banks return 60-90 days)
5. Now you’re ready to import Mint history

If a Mint account no longer exists (e.g., a credit card you closed), you can either:

• Skip importing that account’s history
• Create a manual account in Monarch matching the closed account, then import its history into the manual account

Step 4: Import the CSV into Monarch

Per Monarch’s documentation, the import flow:

1. Sign into Monarch at app.monarchmoney.com (web — imports happen on web only)
2. Go to Accounts in the left navigation
3. Click + Add Account
4. Click Upload CSV at the bottom of the Add Account modal
5. Pick the Mint CSV file
6. Monarch parses the file and previews the columns
7. Map columns to Monarch’s expected fields (Date, Description, Amount, Category, Account, Notes, Tags)
8. Choose how to handle duplicates (more on this below)
9. Confirm and start the import

Duplicate handling — the critical choice

Per Monarch’s documentation: “‘Prioritize CSV’ will replace existing transactions within the CSV date range by deleting all existing transactions in your account that fall between the earliest and latest dates in the CSV file and replacing them with the CSV data. Alternatively, ‘Prioritize Monarch’ will keep existing data and only import missing earlier transactions.”

Two scenarios:

Scenario A — You want Mint’s data to take precedence (most users):

• Pick Prioritize CSV
• Existing Monarch transactions in the CSV’s date range get replaced with Mint’s versions
• Use this if your Mint categorizations are more accurate than Monarch’s auto-categorizations

Scenario B — You want Monarch’s data to take precedence:

• Pick Prioritize Monarch
• Only Mint transactions OLDER than your Monarch transactions get imported
• Use this if you’ve already cleaned up Monarch and don’t want to re-do the work

For most users migrating their first time, Prioritize CSV is correct — your Mint history is the gold standard, and Monarch’s auto-categorization will improve once it sees the patterns from imported data.

Step 5: Map Mint categories to Monarch categories

This is where Monarch genuinely does the migration well. Per their documentation: “Monarch has added the ability to map your Mint categories to Monarch categories, which gives you complete control over how your Mint categories will show up in Monarch.”

After the CSV uploads, Monarch shows you each unique Mint category and asks you to map it to a Monarch category. Common mappings:

Mint had ~150 default categories; Monarch has ~60. That means some consolidation is necessary. For categories you don’t want to track granularly, you can map multiple Mint categories to a single Monarch category. (E.g., map “Food & Dining → Fast Food” and “Food & Dining → Restaurants” both to Monarch’s “Restaurants” category.)

For Mint categories you want to keep distinct, create a custom Monarch category — Settings → Categories → + Add Category — and then map the Mint version to it.

Step 6: Map Mint tags to Monarch tags

Same flow as categories. Mint’s tags map cleanly to Monarch’s tag system. Common useful tags to preserve:

• business-reimbursable — for reimbursable work expenses
• tax-deductible — for charitable donations and itemizable expenses
• vacation-2023 (or whichever year) — for tracking specific trips
• shared — for joint household spending you split with a partner

Monarch’s tag system is more flexible than Mint’s, but the import preserves whatever tags you had set up.

Step 7: Verify and clean up

After the import completes:

1. Go to Transactions in Monarch
2. Filter by date range to your Mint historical period
3. Spot-check 20-30 transactions:
   • Date matches?
   • Amount matches?
   • Category mapped correctly?
   • Account assigned correctly?
   • Tags preserved?
4. Look for duplicate transactions — common at the boundary date where Mint’s history meets Monarch’s bank-side history
5. Use the bulk-edit feature to delete duplicates: select duplicates, click Edit, choose Delete

Common pitfalls

1. Importing transfers as expenses. Mint and Monarch handle internal transfers (savings → checking) slightly differently. After import, scan your transactions for amounts that look like transfers but were imported as expenses. Re-categorize them as Transfer to keep your Cash Flow accurate.

2. Currency mismatches. If you have Canadian or international accounts, verify currencies are imported correctly. Monarch supports multiple currencies but the import flow can sometimes default everything to USD if your Mint export was ambiguous.

3. Categories you forgot you had. Mint sometimes auto-created categories you never used (e.g., “Misc” or “Other”). Map these to a single Monarch catch-all category rather than creating dead custom categories you won’t use.

4. Refunds showing as positive expenses. Mint sometimes recorded refunds as positive amounts in expense categories rather than as separate income/credit transactions. Spot-check refund transactions and re-categorize as needed.

5. Investment transaction mess. Buy/sell transactions from brokerage accounts often look weird in CSV (multiple lines per transaction with shares + price + amount). For investment accounts, consider letting Monarch’s live brokerage connection handle the data and skip importing pre-2024 brokerage transactions.

What you can NOT migrate from Mint

A few things don’t survive the migration:

• Mint goals — you’ll set up Goals 3.0 fresh in Monarch (Goals 3.0 is more powerful anyway)
• Mint budget targets — re-create your budget in Monarch using the Budget Walkthrough (Monarch’s auto-budget defaults are smarter than Mint’s)
• Mint alerts — set up new alert preferences in Monarch’s Settings
• Mint’s “Trends” reports — Monarch’s Reports feature is broader; you’ll rebuild any saved reports
• Mint credit score history — Monarch shows current credit score but not pre-import history

For most users, none of these are deal-breakers. The transaction and account history is what matters; the rest is configuration that you’d want to set up fresh anyway.

How long does this all take?

Realistic time estimates:

• Single account, 1-2 years history: 20-30 minutes
• Multiple accounts (3-5), 3-5 years history: 45-90 minutes
• Comprehensive migration (10+ accounts, full Mint history): 2-3 hours, plus another hour over the next week to clean up edge cases

If you’re doing a full migration, set aside a Sunday afternoon. Don’t try to do it in 15 minutes between meetings.

Common questions

Do I need to keep my Mint subscription active to migrate?

Mint shut down March 2024 — there’s no active subscription to maintain. If you have your CSV export saved, you can migrate any time. If you don’t have an export, you may be out of luck unless Intuit retained your data (check your Intuit account dashboard).

Will Monarch’s auto-categorization re-categorize my imported Mint transactions?

Only if you let it. By default, imported transactions keep the categories you mapped them to. If you want Monarch’s ML to re-categorize, you can manually trigger that for specific transactions or via transaction rules.

Can I migrate from Quicken / YNAB / Rocket Money to Monarch the same way?

Yes — Monarch’s CSV import accepts data from any source as long as the columns match (Date, Description, Amount, Category, Account). YNAB has its own CSV export; Quicken has QFX/QIF export options that you’d convert to CSV first.

What if my Mint export has more than the 10K Monarch import limit per upload?

Per Monarch’s import documentation: “Downloads are limited to 10,000 transactions each, but we recommend downloading 5K or fewer at a time to avoid errors.” Split your CSV by year (or by account) and import in chunks. Monarch’s duplicate handling means you won’t double-import.

Does the migration affect my Monarch budget setup?

Yes — once historical data is imported, Monarch’s auto-budget defaults will recalculate based on the longer history. Re-run the Budget Walkthrough after the migration completes for fresh, more accurate defaults.

Can my partner help with the migration via Shared Views?

Yes — both partners on a Shared Views household can import data. Often it’s faster to split the work — one person handles checking/savings imports while the other handles credit cards.

Will old Mint goals or alerts come back?

No — those are Mint-specific configurations that don’t transfer. Set up fresh Goals and notification preferences in Monarch.

Is there a deadline to migrate?

Not really. You can import historical data into Monarch any time as long as you have the CSV file. If you exported your Mint data before March 2024, the data doesn’t expire — you just need somewhere to put it.

If you’re choosing between Monarch and another Mint replacement, Best Mint Alternatives in 2026 covers the full landscape, including Rocket Money (passive subscription tracking), YNAB (envelope budgeting), Empower (investment-focused), and Quicken Simplifi (forecasting).

Related reading:

• Best Mint Alternatives in 2026
• Monarch Money Promo Code 2026
• Monarch Money Review 2026
• Is Monarch Money Worth It?
• How to Connect Bank Accounts to Monarch
• How to Create a Budget in Monarch
• How to Set Financial Goals in Monarch
• How to Track Expenses in Monarch
• Monarch vs YNAB

Not financial, legal, or tax advice. We earn a commission if you sign up for Monarch through a link on this page; the price is the same. Every step verified against Monarch’s official Help Center documentation and the open-source Mint Data Exporter Chrome extension as of May 7, 2026.