Mint Alternatives

For years Mint was the default free budgeting app. You linked your accounts, saw your spending in categories and got a picture of your money without paying. Intuit shut it down in early 2024 and moved users to Credit Karma, which is mostly a credit monitoring tool. If you are still looking for a replacement, here is what is available, what it costs and who each option suits.

What happened to Mint

Mint was free because it earned money from credit card and loan referrals. When that model stopped paying for itself, Intuit closed the app and redirected users to Credit Karma, which Intuit also owns. Credit Karma tracks credit scores and offers financial products, but it lacks the category budgets, goals and spending analysis Mint had. That is why most former Mint users moved to a dedicated budgeting app.

Mint alternatives at a glance

Prices on this page are rounded list prices checked in 2026 from published sources. Apps change prices, trial lengths and plan names often, so confirm the current price on the app’s own site before you subscribe.

Quicken Simplifi

If you want the experience nearest to Mint, Simplifi is the usual answer. It connects to your accounts, shows a spending plan and tracks upcoming bills. It costs well under Monarch or YNAB on annual billing and offers less depth. Prices vary by promotion, so check the current figure.

Monarch Money

Monarch is the closest in features, with budgets, goals, net worth, investments and shared household views. It costs about $100 a year with a 7-day trial and no free plan. Many users prefer its polish, and it is a strong choice for couples. See YNAB vs Monarch.

YNAB

YNAB is not a Mint clone. It asks you to plan every dollar, which takes more effort and can change habits. It has a long 34-day trial, so you can test whether the method works for you.

Copilot

Copilot is a design-led app with strong automatic categorization. It began on Apple devices and has since added a web version, and it costs about $95 a year. Couples’ features are lighter than Monarch’s, so check your platform and needs.

Empower

Empower’s free dashboard is good for net worth and investment tracking. It is not a budgeting app in the Mint sense, but many people pair it with a cheaper budgeting tool.

Rocket Money, Goodbudget and EveryDollar

Rocket Money’s free tier is helpful for finding subscriptions. Goodbudget and EveryDollar have free versions with limits, such as manual entry or fewer accounts, and both push you toward a plan-first style of budgeting. Read best free budgeting apps for details.

How to move from Mint

1. Choose your replacement and start its free trial.
2. Link only the accounts you actually use.
3. Recreate a few broad budget categories instead of copying every old one.
4. Use the trial to review at least two weeks of real spending.
5. If you saved any exported Mint data, you can keep it as a reference, but most apps start fresh from your connected accounts.

How to choose

• You want the nearest thing to Mint: Simplifi or Monarch.
• You want to change habits: YNAB.
• You use Apple devices and value design: Copilot.
• You want free: Empower, plus Goodbudget or free EveryDollar.
• You mainly want to find subscriptions: Rocket Money.

Example choices

A former Mint user who wanted automatic tracking on a low budget could try Simplifi or Empower’s free dashboard. A couple who wants one shared view can look at Monarch. Someone who keeps overspending may do better with YNAB’s method. An iPhone user who loves design may prefer Copilot.

Mistakes to avoid

• Assuming Credit Karma replaces Mint. It is a credit tool with limited budgeting.
• Linking every account at once. Start with your main checking account and one card.
• Paying for a year on day one. Use the trial to check your banks connect properly.
• Recreating a long list of categories. Simple categories are easier to keep up.

Why Mint was free, and what that means now

Mint was free because it earned money from financial product offers. Most replacements charge a subscription instead, which is a trade-off: you pay with money rather than with attention to offers. If you want to avoid linking accounts at all, you can also use a spreadsheet or a tool such as Tiller, which feeds your transactions into a spreadsheet for a yearly fee, and track your budget there.

A no-cost fallback

If you do not want a subscription, a simple monthly spreadsheet works: list income, fixed bills, flexible spending and savings goals, then update it weekly from your bank’s transaction list. It is less automatic, but it costs nothing and you own the data.

What to look for in any replacement

Pick an app that connects to your banks, lets you export your data and explains clearly what it charges. Check whether the trial needs a card, whether it renews automatically and how to cancel. If you share money with someone, look at whether both of you can use the same account. Finally, check what the company says it does with your transaction data, because a budgeting app sees a lot of your financial life, and you should be comfortable with that before you link anything.

How long the switch takes

Most people can set up a new budgeting app in an evening. Connecting the accounts takes minutes, and building a simple set of categories takes about half an hour. The real test is the first two weeks, when you see whether the app fits your routine. Give it that long before you judge it, and keep a note of anything that annoys you so you can compare apps fairly if you try a second one.

Official sources and references

Use these first-party pages to verify current plans, prices, features and eligibility. Offers and terms can change by country, billing period and date; confirm the details that apply to you before buying. Links below are provider documentation, not independent endorsements.

• Credit Karma
• Quicken pricing and plans
• Monarch Money pricing
• YNAB pricing
• Empower Personal Dashboard
• Goodbudget plans and features