How MiNT works
MiNT is not a budgeting app. It's a way of turning the life you want into a formula, and the formula into something you can actually do on a Tuesday.
Know where you are.
Upload up to twelve months of statements, or start with estimates. MiNT groups your spending, finds the quiet subscriptions and shows what your money has been prioritising. No red warnings, no lectures.
=REALITY(Income, Spending ± Patterns)
Decide where you're going.
Build a five-year vision across four life areas, with words, pictures and a Future You letter. Broad dreams become goals with dates and, where relevant, numbers.
=LIFE(People, Self, Purpose, Wealth)
Build the formula.
MiNT works backwards from five years to a weekly number, and models what happens when you change a variable. If a goal doesn't fit yet, the formula simply needs another ingredient.
=HOME(CurrentSavings, RegularSaving, Time)
Do the little things.
One to three small actions a day, habits tied to real goals, and a two-minute Daily MiNT check-in. Consistency is shown as momentum, not a fragile streak.
=TRANSFORMATION(Small_Actions, Consistency, Time)
The four areas
The people you love, where you live and the environment around you.
=BELONGING(People, Place, Time, Connection)
Health, learning, confidence, travel, experiences and personal growth.
=SELF(Energy, Growth, Experience, Care)
Career, business, creativity, contribution and what you want to be known for.
=PURPOSE(Skills, Meaning, Contribution, Courage)
Savings, property, investing, assets, income and financial independence.
=FREEDOM(Income, Assets, Choices, Obligations)
Five years passes either way. Build yours deliberately.
Create my Future You