Furthermore, I’ve found myself fascinated by the net worth tab that calculates the value of your assets and subtracts your debts. With far too many bank accounts, three retirement accounts, multiple brokerage accounts, and half a dozen credit cards to our names, getting this wide lens snapshot of our finances has been extremely helpful to my wife and me. My favorite feature lives in the left column where your various account balances are compiled, allowing you to quickly view your cash on hand, outstanding debts, investment balances, and more. There’s a lot to Mint but the majority of it is included on the Overview page. Lastly, you can also sign up to receive your free credit score, which requires you to enter your social security number and answer a few questions to verify your identity. This includes adding your rent so it’s accounted for in your rent and/or providing your automobile info to factor into your net worth. There are also options to add other bills or assets that don’t have accounts. However, like with similar offerings that rely on account linking, you may need to repair these connections from time to time. Granted, fixing these small errors didn’t take a ton of time but are still worth noting. So I ended up having to delete the “Virtual Wallet” data lest I have duplicate info. So I then chose “PNC Investments” which added all three accounts, including those added through the Virtual Wallet. For example, by requesting to link an account under “PNC Virtual Wallet,” it included my wife’s and my savings and checking but not our IRA. I also came across a couple of quirks in the linking system that added a few minutes to my experience. To be honest, the most time-intensive part of this process for me personally was trying to remember - and, in many cases, resetting - my passwords for my various banking accounts.

In reality, linking all of your bills to Mint is optional from a budgeting standpoint but is very helpful for using the at a glance billing calendar, which we’ll get to later. This includes regular checking and savings accounts, retirement and investment accounts, and even online accounts for cable companies, cellular service providers, and utility companies. That’s because, in order to use the service as intended, you’ll need to connect as many of your financial accounts as possible.

While signing up for Mint is about as simple as creating a username and password, getting the app and/or site to a usable and helpful state does require an investment of time.

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