deezbills vs Mint

Your next money app can help carry the work.

Mint has retired. If you’re choosing a replacement, consider what you wanted the numbers to help you do. Fred helps turn your financial picture into decisions, a practical plan and less work to manage.

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Mint

Discontinued in Canada and elsewhere

Mint is no longer an app you can sign up for. This comparison is with the former service, to help you choose what comes next.

Mint brought spending, cash flow and net worth into one place. The service has been retired, so former users now need another way to track their finances and plan ahead.

Intuit’s update for Mint users

deezbills, with Fred.

Available in Canada

Built for Canadian financial decisions, with research into relevant tax rules, account options and government programs. No bank login needed to get started.

You don’t need to become a financial expert to prepare for the next stage of your life. Ask Fred what an emergency fund should cover, whether a trip fits or how to balance competing goals. He researches, calculates and explains the options, then helps organize the changes you approve.

Meet Fred

If you miss Mint’s financial overview but want more help deciding what to do next, consider deezbills. Fred helps you think through decisions and manage the plan. It’s a paid subscription with a free trial, and your personal data is never sold.

Why choose Fred?

Financial help should make life easier, without asking you to become an expert first.

Get an answer about your life.

A new baby changes more than one spending category. Fred can help you consider your emergency cushion, regular costs and savings priorities together.

Build on the context you share.

Fred remembers your saved financial details and personal context. When circumstances change, you can return to review the plan without explaining your life from scratch.

Start fresh with accurate records.

Bring your current balances, income, commitments and goals. Fred can help organize them from the details or documents you provide. Check the starting picture before relying on a new plan.

Planning a family emergency fund with Fred

Watch Fred work through an emergency fund using a Canadian couple’s income, expenses and needs as new parents.

Hi Fred. We just had a baby. I'm wondering how much should our emergency fund be? Anything else we should adjust?

Congratulations to you and Ben, Sarah!

I’d aim for about $26,000 in emergency savings, as a provisional target while you’re on parental leave. Your budget has $4,240 a month for bills and essentials, so that’s roughly six months of cover. I’d lean toward six rather than three with a newborn, within the FCAC’s general guidance. Baby costs aren’t clearly included yet, so we should revisit the target once those settle.

Your Emergency Savings has $18,000 recorded, covering about four months on that basis. That’s a substantial starting cushion, with about $8,000 left to build toward the provisional target. I wouldn’t move all $8,000 from Everyday Chequing to finish it immediately; that money also covers bills between paydays. Keep emergency money accessible in savings, rather than exposed to investment losses.

The other adjustments I’d prioritize are:

  • Update the family budget: Add diapers, feeding supplies and other regular baby costs. Set aside money separately for any predictable income drop during leave. Also, your $1,200 “Retirement saving” allocation is currently treated as spending in deezbills; I’d separate it into a savings goal so it doesn’t look like spending money.
  • Check the child-benefit application: If you didn’t apply through birth registration, the CRA lets you apply through your account. Don’t count an expected benefit as available cash yet.
  • Review family protection: Check life insurance for both of you, disability coverage and adding your baby to workplace health benefits. Review your RRSP and TFSA beneficiaries, and arrange wills and guardianship wishes with an Ontario lawyer if that isn’t already done.

When does your current parental-leave pay end or step down? That’s the key missing piece before choosing how quickly to build the extra cushion.

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A closer look.

deezbills plans and pricing

A strategy with steps that work together

Fred can work backwards from your goal and explain how each decision affects the next. For a first home, he can compare account choices, contribution timing, potential tax savings and withdrawal conditions, then weigh them against debt costs, expected returns, risk and the cash you need available. He recommends an order for the steps and explains what it means for your other goals and lifestyle. You can see both the potential benefit and what you would be giving up.

How Fred does the work

Fred combines advanced AI models with financial tools, source research and the context you keep in deezbills. He can gather information, work through calculations and carry out approved changes across several steps. Permissions limit what he can access, and changes are checked before he reports them as complete.

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Fred is an AI financial copilot, not a licensed financial advisor. He can make mistakes and does not replace advice from a qualified professional.