Plata vs Credit Karma
Credit Karma absorbed Mint's 25M users in 2024 — and rebuilt the experience around aggressive ads, credit-card recommendations, and lead generation. If you wanted a budget app, you got an ad platform. Plata is the private, bilingual, AI-powered alternative — actually owned by you.
Plata vs Credit Karma, in one table.
| Feature | Plata | Credit Karma |
|---|---|---|
| Bilingual EN/ES | Yes | No |
| AI assistant (real Q&A) | Yes | No |
| Ads in-app | Never | Yes (heavy) |
| Sells your data | Never | Yes (lead-gen) |
| Credit card recs based on data | No | Constantly |
| Zombie subscription detection | Yes | Limited |
| 90-day forecast | Yes | No |
| Shared budgets (couples) | Yes | No |
| Bank sync | Q2 2026 | Yes |
| Price | $3.99/mo | Free (you're the product) |
Sources: public information from Credit Karma.com and our own docs. Last updated April 2026.
What Credit Karma doesn't give you.
Credit Karma is free because Intuit sells your data to lenders, runs constant credit-card ads, and routes you toward loans they earn commissions on. Plata costs $3.99/mo because we don't.
Credit Karma offers minimal Spanish support and limited functionality. Plata is bilingual from the foundation — every feature, every email, every help article in both languages.
Credit Karma's "insights" exist to recommend credit products. Plata's AI exists to answer your actual questions — "What's safe to spend today?", "Should I buy this?" — using your real numbers.
Ready to switch?
If you stayed with Credit Karma after Mint shut down because it was free — the cost is your data, your inbox, and your attention. Plata is what budgeting looks like when the company actually works for you, not for advertisers.