10 Best Mint Alternatives in 2026: Where Mint Users Actually Went

Mint shut down in March 2024 after 15+ years, and the "alternative" Intuit pushed—Credit Karma—isn't really a budgeting app. It's credit monitoring with basic transaction viewing, missing everything that made Mint useful: category budgeting, spending targets, and budget-vs-actual tracking.

If you're still looking for a real Mint replacement, here's where millions of users actually went—and which option fits your situation.

Last reviewed: January 17, 2026.

Quick recommendations

Most like Mint: Quicken Simplifi ($36-72/year) — Similar interface, tracks spending against categories, very affordable.

Best overall: Monarch Money ($99.99/year) — Built by a former Mint product manager, comprehensive dashboard with investments.

Best free option: Empower ($0) — Excellent for net worth and investment tracking, basic budgeting only.

Best for behavior change: YNAB ($109/year) — Zero-based budgeting that actually changes spending habits.

Best for subscriptions: Rocket Money ($48-168/year) — Finds and cancels forgotten subscriptions automatically.

Best for Apple users: Copilot ($95/year) — Stunning iOS/Mac design with Apple Card integration.

Quick comparison table

Why people left Mint (and what they wanted instead)

Based on Reddit threads, app reviews, and migration surveys, former Mint users cite these frustrations:

1. Broken bank connections — Accounts constantly disconnected, requiring weekly re-authentication
2. Inaccurate categorization — Transactions miscategorized more often than not, requiring constant cleanup
3. Stagnant development — No meaningful feature updates for years before shutdown
4. Trust erosion — If Intuit can kill a 15-year product overnight, what's next?
5. Credit Karma disappointment — The "successor" removed the core budgeting features people actually used

The Mint experience also made many users question whether "free" apps are worth the hassle—especially when the business model relies on data monetization.

---

1. Monarch Money — Best Overall Mint Alternative

Price: $14.99/month or $99.99/year (7-day trial) Platforms: iOS, Android, Web

Monarch Money was literally built to be what Mint should have become. Founded by a former Mint product manager who saw the writing on the wall, it combines comprehensive financial tracking with modern design and reliable bank connections.

What makes it stand out:

• Uses three data aggregators (Plaid, Finicity, MX) — if one fails, try another
• Investment tracking with performance analytics and asset allocation
• Net worth monitoring with historical trends
• Automatic subscription detection
• Shared access for couples at no extra cost
• New AI assistant for asking questions about your finances

Pros:

• Most comprehensive Mint replacement available
• Bank connections work ~85% of the time (vs Mint's ~60%)
• Beautiful, modern interface
• Active development with regular feature updates
• No data selling — subscription-based business model

Cons:

• No free tier (7-day trial only)
• $99.99/year is pricier than Simplifi
• Limited crypto support (Coinbase only currently)
• Occasional sync delays with smaller regional banks

Best for: Anyone who wants everything Mint did plus investments, net worth, and collaboration features.

Learn more about Monarch Money →

---

2. Quicken Simplifi — Most Similar to Mint

Price: $2.99-5.99/month billed annually (~$36-72/year) Platforms: iOS, Android, Web

If you want the closest thing to Mint's experience at a lower price, Simplifi is your answer. It uses a similar approach: sync accounts, categorize transactions, track spending against budgets, monitor net worth.

What makes it stand out:

• "Planned Spending" feature calculates daily spending allowance
• Adapts to multiple budgeting styles (zero-based, 50/30/20, envelope)
• Transaction categorization works ~80% of the time
• Kelley Blue Book integration for vehicle value tracking
• 100% cloud-based — no software to install

Pros:

• Most affordable paid option ($36-72/year)
• Very similar to Mint's interface and workflow
• Supports importing Mint transaction history
• Quicken's stability (30+ year company)
• 30-day money-back guarantee

Cons:

• No free tier
• Less comprehensive than Monarch for investments
• Part of Quicken ecosystem (some find the branding confusing)
• Mobile app less polished than competitors

Best for: Mint users who want the same experience at a low price without learning a new methodology.

Learn more about Quicken Simplifi →

---

3. YNAB (You Need A Budget) — Best for Behavior Change

Price: $14.99/month or $109/year (34-day trial, free for students) Platforms: iOS, Android, Web

YNAB takes a completely different approach than Mint. Instead of tracking where money went, it forces you to decide where money should go before you spend it. This "zero-based budgeting" method has a cult following for good reason: it actually works for changing spending habits.

What makes it stand out:

• Zero-based budgeting: assign every dollar a job
• Budget only with money you have (not projected income)
• Extensive free workshops, guides, and educational content
• "YNAB Together" allows up to 5 users per membership
• Company claims users save $600 in first month, $6,000+ in first year

Pros:

• Proven methodology for debt payoff and behavior change
• Best educational resources of any budgeting app
• 34-day free trial (no credit card required)
• Free for college students for one year
• Passionate community and support

Cons:

• Steep learning curve (expect 2-4 months to "get it")
• No investment tracking (by design)
• Credit card handling confuses even experienced users
• Most expensive option ($109/year)
• Requires active engagement — not passive tracking

Best for: People who want to fundamentally change their relationship with money, especially those paying off debt or breaking paycheck-to-paycheck cycles.

Learn more about YNAB →

---

4. Empower Personal Dashboard — Best Free Option

Price: Free (paid advisory services available for $100k+ portfolios) Platforms: iOS, Android, Web

Empower (formerly Personal Capital) is the best free option—but with an important caveat: it's better at investment tracking than budgeting. If Mint's net worth and investment features mattered most to you, Empower actually exceeds what Mint offered.

What makes it stand out:

• Completely free financial dashboard
• Excellent investment tracking with fee analyzer
• Retirement planner with scenario testing
• Net worth tracking across all account types
• Crypto wallet support (beta, major coins)

Pros:

• 100% free for the dashboard
• Best-in-class investment analysis tools
• Retirement planning features Mint never had
• No ads in the free tier

Cons:

• Budgeting features are basic (no category-level targets)
• You're the product — they want to manage your money
• Expect sales calls if you have $100k+ in assets
• Some users report sync issues with Vanguard, Ascensus

Best for: People who primarily want investment and net worth tracking with basic spending visibility.

Learn more about Empower →

---

5. Rocket Money — Best for Subscription Management

Price: Free tier available; Premium $4-14/month (~$48-168/year) Platforms: iOS, Android, Web

Rocket Money (formerly Truebill) takes a different angle: instead of just tracking spending, it actively helps you spend less. The app finds forgotten subscriptions, cancels them for you, and even negotiates lower rates on bills.

What makes it stand out:

• Automatic subscription detection and cancellation service
• Bill negotiation (internet, phone, cable) — average 20% savings
• Budget tracking with spending insights
• Net worth and credit monitoring
• "Pay what you want" Premium pricing ($4-14/month)

Pros:

• Can actually save you money (not just track it)
• Free tier includes basic tracking
• Bill negotiation requires no effort on your part
• Finds subscriptions you forgot about

Cons:

• Cancellation and negotiation features require Premium
• Bill negotiation takes 35-60% of first year's savings as fee
• Some users report inflated savings estimates
• Core budgeting less robust than Monarch or YNAB

Best for: People with subscription creep who want an app that actively reduces spending, not just tracks it.

Learn more about Rocket Money →

---

6. Copilot — Best for Apple Users

Price: $13/month or $95/year (30-day trial) Platforms: iOS, Mac, iPad, Apple Watch, Web (new)

Copilot has the most beautiful interface of any budgeting app, period. It's designed specifically for Apple's ecosystem, taking advantage of features like FinanceKit for real-time Apple Card tracking. If design matters to you and you're in the Apple ecosystem, nothing else comes close.

What makes it stand out:

• Stunning UI that Apple named "Editor's Choice"
• AI categorization that's ~90% accurate out of the box
• Apple Card and Apple Cash integration via FinanceKit
• Investment tracking and net worth monitoring
• Learns from your corrections instantly

Pros:

• Best-looking budgeting app available
• Excellent auto-categorization with AI
• Privacy-focused (no ads, no data selling)
• Web version now available (as of 2026)
• 4.8 stars on App Store with 5,700+ ratings

Cons:

• Apple-only (no Android support)
• $95/year is mid-range pricing
• Limited joint account support for couples
• Budget vs. actual tracking less robust than YNAB

Best for: Apple users who value design and want seamless Apple Card integration.

Learn more about Copilot →

---

7. Tiller — Best for Spreadsheet Users

Price: $79/year (30-day trial) Platforms: Web (Google Sheets, Excel)

Tiller takes a unique approach: it automatically pulls transactions into Google Sheets or Excel, giving you the automation of app-based tracking with the flexibility of spreadsheets you fully control.

What makes it stand out:

• Automatic transaction import to your own spreadsheets
• Complete customization — build exactly what you need
• Template library for budgets, net worth, debt tracking
• No proprietary format — your data, your spreadsheets
• Works with 20,000+ financial institutions

Pros:

• Ultimate flexibility and control
• Your data stays in your own spreadsheets
• Can build custom analyses apps can't do
• One-time learning curve, then it's yours forever

Cons:

• Requires spreadsheet comfort
• No mobile app (spreadsheets only)
• More setup work than other options
• $79/year for what's essentially data piping

Best for: Spreadsheet power users who want automated data with custom analysis capabilities.

Learn more about Tiller →

---

8. PocketGuard — Best for Overspending Prevention

Price: Free tier; Plus $7.99/month or $79.99/year Platforms: iOS, Android, Web

PocketGuard focuses on one thing: showing you how much you have left to spend after bills, goals, and necessities. The "In My Pocket" number tells you exactly what's safe to spend right now.

What makes it stand out:

• Simple "In My Pocket" daily spending limit
• Automatic bill detection and tracking
• Subscription finder similar to Rocket Money
• Goal tracking for savings targets
• Free tier with core features

Pros:

• Simple, focused approach
• Free tier actually useful
• Great for overspenders who need guardrails
• Clean, easy-to-understand interface

Cons:

• Less comprehensive than Monarch or Simplifi
• Investment tracking is limited
• Some features locked behind Plus tier
• Not ideal for detailed budget analysis

Best for: People who want a simple "can I afford this?" answer without detailed budgeting.

Learn more about PocketGuard →

---

9. Goodbudget — Best for Envelope Budgeting (No Bank Sync)

Price: Free tier; Plus $8/month or $80/year Platforms: iOS, Android, Web

Goodbudget uses the classic envelope budgeting method—but digitally. Unlike other apps, it doesn't connect to your bank. You manually enter transactions, which some people actually prefer for the intentionality it creates.

What makes it stand out:

• Digital envelope budgeting system
• No bank connection required (or available)
• Household sync for couples sharing budgets
• Simple, focused interface
• Free tier with 10 envelopes

Pros:

• No bank connection = no sync issues or security concerns
• Forces intentional transaction tracking
• Great for cash-based budgeting
• Free tier is genuinely useful

Cons:

• Manual entry for everything
• No investment or net worth tracking
• No automatic categorization
• Not for people who want automation

Best for: People who prefer manual tracking for intentionality, or those concerned about bank connection security.

Learn more about Goodbudget →

---

10. X1 Wealth — Best for High-Income Families ($1M+ Net Worth)

Price: $97/month or $997/year Platforms: Web, iOS

Here's the thing most "Mint alternatives" articles won't tell you: if you're earning $250k+ and your net worth is approaching $1M, the question changes. Tracking where money went becomes less important than optimizing where it goes.

What makes it different:

X1 isn't a budgeting app. It's the planning and coordination layer that sits above budgeting—answering questions none of these other apps touch:

• "Am I leaving $10k-$50k on the table in tax savings?"
• "Do I actually understand my estate plan?"
• "Are my CPA, attorney, and advisor on the same page?"
• "What wealth strategies should I be implementing this quarter?"

What X1 does:

• Tax Strategy Discovery — AI analysis finds S-corp optimization, entity structuring, and deductions your CPA isn't proactively recommending
• Estate Plan Analysis — Upload your trust documents, get plain-English explanations and gap identification
• Advisor Coordination — Single source of truth for your CPA, attorney, and financial advisor with decision tracking
• Family Governance — Decision frameworks, values articulation, and planning tools previously reserved for $25M+ family offices

Best for: Professionals and business owners who've mastered budgeting and want to optimize the next $50k-$100k in opportunity capital.

See how X1 compares →

---

How to choose the right Mint alternative

If you want the closest Mint experience: → Quicken Simplifi ($36-72/year)

If you want comprehensive tracking + investments: → Monarch Money ($99.99/year)

If you want to change your spending behavior: → YNAB ($109/year)

If you want free with great investment tools: → Empower ($0)

If you want help reducing subscriptions/bills: → Rocket Money ($48-168/year)

If you're all-in on Apple: → Copilot ($95/year)

If you love spreadsheets: → Tiller ($79/year)

If you want simple "can I spend this?": → PocketGuard ($0-80/year)

If you prefer manual tracking: → Goodbudget ($0-80/year)

If you've outgrown budgeting and want tax/estate optimization: → X1 Wealth ($97/month)

---

What we learned from Mint's shutdown

The Mint shutdown taught us a few important lessons:

1. Free apps have exit risk. When you're the product (through ads or data), the company can pivot or shut down without warning.

2. Bank connections break. Every app struggles with this, but paid apps tend to invest more in reliability.

3. Budgeting is a solved problem. All these apps do roughly the same thing. The question is: what comes after budgeting?

4. Tracking isn't strategy. Knowing where money went doesn't tell you where it should go—or how to optimize taxes, estate planning, and wealth building.

For most people, any of these Mint alternatives will work fine. Pick one, use it for 3 months, and don't overthink it.

But if you're at the point where budgeting feels like table stakes—where the real money is in tax optimization, estate planning, and coordinating your professional team—that's a different conversation.

Methodology

This guide is based on:

• Direct testing of all 10 alternatives
• Analysis of user reviews across App Store, Google Play, Reddit, and Trustpilot
• Pricing verified as of January 2026 (prices change; check official sites)
• Feature comparisons from official documentation

We have no affiliate relationships with any of these apps.

---

Looking for more comparisons? See our guide to Monarch Money vs YNAB.