Questions, answered plainly.
What is Mintro?
Mintro is an envelope budgeting app. You decide where your money goes by giving every dollar a job, in envelopes like Rent, Groceries, or Savings. Then you connect ChatGPT, Claude, or Kimi, and it does the paperwork: it imports your transactions, puts each one in the right envelope, and keeps the month up to date. Your budget is stored in Mintro, so the next chat picks up where the last one left off.
What does open beta mean?
Anyone can sign up, bank sync is live, and the budget is real: you can run your month on it. It also means one person is still building it, so you will find rough edges. Tell support@mintro.money or post on the forum and they get fixed. The whole story is at mintro.money/beta.
Is this like YNAB?
Yes, it uses the same method. Every dollar gets a job in a zero-based envelope budget, money left in an envelope carries into the next month, an envelope you overspend is covered from another one, and each credit card gets an envelope for its payment. The difference is who does the paperwork. In YNAB, you do. In Mintro, ChatGPT, Claude, or Kimi imports the transactions, sorts them into envelopes, and covers any overspending you approve. If you are coming from YNAB, export your budget, give the file to the chat, and say "rebuild my budget."
Can it tell me whether I can afford something?
Yes, from your real numbers. Ask about a new TV and the chat reads this month's envelopes, the bills still to come, and the dates of your paycheques, then tells you how much is available and when. If the answer is "not yet," it can set a target on an envelope so the money is there by the date you pick.
Does it know about my retirement plan?
It does if you give it one. Set a retirement goal, an amount you want to have saved by a certain year, and the chat reads your accounts, your assets, and your loans, works out where you would end up at the rate of return you assume, and shows you what a change would do before it changes anything. Mintro never moves money, and the plan is arithmetic, not financial advice.
Is there an app?
Yes. The Mintro app is included on every plan, including Free. ChatGPT, Claude, or Kimi can do everything the app can, so you can use either one, or both.
Is there a free plan?
Yes, and it is deliberately small: up to 2 accounts that you enter by hand or import from files, unlimited envelopes and targets, and your agent. You don't need a card. When that stops being enough, Plus is $6 a month and adds unlimited accounts, automatic bank sync, goals, assets, and webhooks.
Can my agent sign up for me?
No, and that is deliberate. Signing up, confirming your email, and paying are the moments that prove a real person is behind the budget. It takes about two minutes at app.mintro.money. Everything after that, such as setting up envelopes, sorting transactions, importing files, planning, and reports, can be your agent's job, and it never needs your password to do any of it.
Does my agent see my bank login?
Never. You link a bank on Plaid's own pages, and your login and security codes go only to Plaid or your bank. They never pass through Mintro or any agent. An agent can start linking a bank and wait for the connection to finish, but only you sign in to the bank. If an agent ever asks for your bank password, that is a bug in the agent, and you should refuse.
What if my bank isn't supported, or I don't want to connect one?
Download your transactions from your bank's website (a CSV file is fine) and give the file to your agent. It imports them straight into your budget, skips any it already has, and sorts them like everything else. The Free plan covers 2 accounts this way, and Plus has no limit. Importing files will always work, so it is also the permanent option for banks Plaid doesn't support.
Is bank sync live?
Yes. Plaid, the company that connects apps to banks, approved Mintro for live bank connections, and you can link a bank on any paid plan. Importing files keeps working alongside it, for banks Plaid doesn't cover or if you would rather not connect one.
Do I need a special connector?
No, but a connector is the easy way. In claude.ai or ChatGPT, add a custom connector at mcp.mintro.money/mcp and sign in to Mintro when it asks, and there is no key to copy. If your work account blocks connectors, you can still connect with a key from the app: tell the chat to read api.mintro.money/llms.txt first. Nothing is missing that way.
Which chats work?
ChatGPT, Claude, and Kimi, and also Grok or an assistant you run yourself. Using several at once is normal: each one gets its own key, and every entry records which one made it.
Can I have a personal budget and a company budget?
Yes, both at the same time. Your personal budget is billed to you, and a household's or a company's budget is billed to that household. Each has its own envelopes, keys, plan, and card on file. You switch between them in the account menu. A household is a small organization: one shared budget, with each person's agents using their own keys.
What is the difference between Plus and Household?
Plus is for one person, and Household is for more than one. Plus is your own budget with automatic bank sync, goals, assets, and webhooks. Household has the same, in a budget that a second person also works in, each with their own role and keys. A household on Plus works only for the admin; when someone else signs in, Mintro tells them the budget needs the Household plan, and only the admin can change it. Only the admin can delete an account, remove a bank, or close a budget.
Can I switch between monthly and yearly, or between plans?
Yes, from Settings → Plan in the app. The change applies to your current subscription, and the difference is prorated on your next invoice, so you are never charged twice. Paying yearly gives you two months free.
What is Founder?
Founder is a one-time payment of $500, and there are five hundred seats. A seat gives you everything in Household for life, with no bill again, ten banks included, and the founder badge. Any subscription you were paying ends as soon as your seat is confirmed. Founder seats are how the first five hundred people help fund a budgeting app that never sells their data.
What happens when I cancel?
At the end of the period you have paid for, you move to the Free plan, with every budget, envelope, and transaction kept and still exportable. Bank connections close, because Free does not include bank sync, but your budget keeps every transaction they brought in. You cancel from Manage billing in Settings → Plan, which opens Stripe's own page.
What is cashflow?
Cashflow is a chart of your account balances over time. The past part shows what actually happened. The future part is projected from the bills and paycheques you have scheduled, plus any everyday spending you choose to include, like groceries. By default it shows the last 30 days and the next three months, and you can look further back or further ahead. You set an Alarm amount for each account, the lowest you want it to go. If a bill would take an account below it, the chart shows the day, and an alert can tell you before it happens.
What does Mintro never do?
Mintro never moves your money, never sees your bank login, never sells your data, and never shows ads. It also never forces a budgeting method on you: you decide how your envelopes work. Subscriptions are the only way Mintro makes money.
What currency is pricing in?
Prices are in US dollars, and every price says so. Your budget can be in any currency you like. Each budget counts in one currency, and a holding or a loan in a different currency is converted at a rate you keep.
Can I leave?
Yes, at any time. Download your whole budget first: your envelopes, every sorted purchase, and who sorted it. Then delete your account, and we remove your bank connections, your keys, and the rest of your data.