Best Mint Alternatives (2026): 6 Best Budgeting Apps to Replace Mint

Mint was hands-down one of the best budgeting apps available during the 2010s and early 2020s. However, in late 2023, Intuit announced it would shut down the free app, effectively leaving its 3.6 million active users without a solid resource for managing their budgets.

Intuit encouraged users to move their data to Credit Karma (also owned by Intuit). But Credit Karma was not a one-for-one replacement for Mint users, lacking several key features that people had come to rely on. So instead, consumers had to find the best Mint alternatives that allowed them to budget the way they needed.

Two years after Mint’s shutdown, people are still trying to figure out what’s best for them. To help, we evaluated several Mint alternatives based on pricing, features, ease of use and how closely they replicate Mint’s original functionality. Here’s what we found.

The Best Mint Alternatives Quick Picks

Based on our analysis, these are six of the best Mint alternatives currently available: Monarch Money, YNAB, Empower, Simplifi, Rocket Money and Credit Karma.

• Monarch Money — best overall Mint replacement
  Monarch lets you customize your budget, sync your accounts and share your budgeting with other members of your household.

• YNAB — best for hands-on budgeting
  YNAB uses a zero-based budgeting system that helps you assign a job to every dollar.

• Empower — best free tracking tool
  Empower is focused on investment management, but you can get some basic expense tracking (and net worth tracking) for free.

• Simplifi — best for simplicity
  Simplifi is easy to use but is not as comprehensive as some of the other budgeting apps.

• Rocket Money — best for subscriptions
  Rocket Money is focused on tracking subscriptions — and will even help you cancel them if you pay for the premium tier.

• Credit Karma — best for credit monitoring
  Credit Karma monitors your credit report and score, but it lacks full budgeting tools.

Best Mint alternatives by category

• Best overall: Monarch Money

• Best free option: Empower

• Best for beginners: Simplifi

• Best for advanced budgeting: YNAB

Why Mint Shut Down (And What Replaced It)

On Oct. 31, 2023, Intuit rocked the finance world by announcing it would officially shut down its app in 2024 — and no, this wasn’t a funny Halloween prank. Instead, Intuit said it was “reimagining Mint as part of Intuit Credit Karma,” which was the brand’s credit monitoring resource.

The problem? Mint and Credit Karma didn’t have the same functionality. Mint was a free resource (with a paid premium option) for people who needed help keeping their finances organized, from creating and managing budgets to tracking financial accounts to overseeing recurring bills and subscriptions. Credit Karma offered some of the same functionality as Mint (including net worth and financial account tracking), but it didn’t offer budgeting resources or subscription management.

Today, Credit Karma remains a great app for credit monitoring and is still a viable tool to have in your arsenal of financial resources — and it’s even on our list of the best Mint alternatives. But it’s certainly not the only (or best) option for a true Mint replacement.

What changed

• No detailed budgeting tools
• Limited expense tracking features
• Greater focus on credit monitoring
• Different overall user experience

How to Choose the Right Mint Alternative

Choosing the right Mint alternative comes down to what you need out of a budgeting app (and how much you’re willing to spend). Some apps are designed for deeper levels of customization and manual inputs. Others offer higher-level overviews and automated finances. Some are focused on investments, others on credit monitoring, and still others on subscription and expense tracking.

Use the following guide to figure out the best Mint-like option for you:

• Hands-on budgeting (YNAB-style): Hands-on budgeting apps can be a lot of work. You have to take a more active role in tracking and logging expenses, but these kinds of apps also give you the most control and insights.

• Passive tracking (Mint-style): Passive tracking apps let you be a little more hands-off. The apps automatically categorize transactions and help you break down spending trends. This can make budgeting easier, but it’s not a good fit if you want total control of how your money’s managed.

• Free vs. paid: Most Mint alternatives have a monthly or annual fee. Those that are free often lack core budgeting features or aren’t fully comparable to Mint, but they might offer enough features for your needs.

• Net worth tracking: If your focus is on long-term wealth, look for apps that track investments, assets and liabilities. That said, you might want to consider a robo-advisor or, for more in-depth help, a true wealth advisory firm with a human contact.

• Subscription management: Some apps focus on helping you cut recurring expenses, such as monthly, quarterly, bi-annual or annual subscriptions.

Best Mint Alternatives (Detailed Reviews)

Missing Mint? You may not be able to get your favorite budgeting app back, but here are some solid replacements:

Monarch Money — Best Overall Mint Replacement

Monarch Money is the best Mint alternative currently available; it’s a full-suite budgeting app that offers comparable features to Mint, including budgeting (two unique systems), goal tracking, investment and subscription tracking, and integration with Coinbase, Zillow, Apple Card and more.

The major downside? Unlike Mint, there’s no free version. It’s one flat rate for all the features, billed either monthly (more flexibility) or annually (lower per-month rate).

Pros:

• Highly customizable budgets
• Enables shared household finances (unlimited collaborators)
• Tracks investments, subscriptions and net worth
• Easy-to-use app for web, mobile and tablet
• Strong account syncing

Cons:

• No free version
• All-in-one pricing (no a la carte options)
• Complex features for beginners

Pricing: $99.99 a year (billed annually) or $14.99 a month (billed monthly)

Best for: Users who want a close all-in-one replacement for Mint.

Read our full Monarch review. 

YNAB — Best for Hands-On Budgeting

YNAB (short for You Need a Budget) is the best Mint alternative if you want to actively manage every dollar, every day. If you’re budget-obsessed and like the zero-based budgeting approach — and you want resources to make organizing your finances more streamlined — YNAB’s a good choice.

Unlike Mint, YNAB is not set-it-and-forget-it. It requires more regular involvement, but that could be ideal if you want more control over your finances.

Pros:

• 34-day free trial
• Customizable views and goals
• Easy-to-use app for web, mobile and tablet
• Easy to share with acpartner, family and friends (up to six people)
• Tracks subscriptions and net worth

Cons:

• No free version
• All-in-one pricing (no a la carte options)
• Tedious setup process
• Less automation than Mint
• Complex features for beginners

Pricing: $109 a year (billed annually) or $14.99 a month (billed monthly)

Best for: Experienced budgeters who want tools for customization.

Read our full YNAB review. 

Empower — Best Free Tracking Tool

Empower is a free app with some basic budget features, but its core purpose is investment management (for a fee). If you want a simple way to track your spending across accounts, as well as your net worth, in a central app, Empower is a great Mint alternative.

Unlike Mint, Empower is focused on investments; budgeting takes a back seat.

Pros:

• Completely free
• Tracks spending and net worth
• Simple dashboard
• Easy account syncing
• Great resource for investing

Cons:

• Limited budgeting tools
• Focused on investments first
• Investment management fees
• Not great for detailed budgeting

Pricing: Free (advisory fees apply for wealth management)

Best for: Users who want a free, high-level overview of spending.

Read our full Empower review. 

Simplifi — Best for Simplicity

Simplifi is the best Mint alternative if you want a straightforward budgeting experience without a lot of bells and whistles. Though it isn’t free, Simplifi is one of the more affordable Mint alternatives.

Unlike Mint, Simplifi is all about keeping things simple, rather than customizing to get better control of your budget.

Pros:

• Tracks spending, investments and net worth
• Bills, subscription and savings management
• Pre-built reports
• Easy-to-use app
• Minimal setup

Cons:

• No free version
• No monthly billing option
• Fewer customization options
• Limited features

Pricing: $2.99/month (billed annually)

Best for: Users who want a simple, no-frills budgeting app

Rocket Money — Best for Subscriptions

Rocket Money is the best Mint alternative if you need help finding, tracking and even canceling subscriptions. The app is easy to use and set up, and there’s a free version. However, you’ll have to pay for a premium account to unlock more advanced budgeting features, automated savings and subscription cancellation.

Unlike Mint, Rocket Money focuses primarily on eliminating subscriptions and other spending habits.

Pros:

• Tracks subscriptions and spending
• Easy-to-use app
• Easy account syncing with balance alerts
• Free version
• Automated savings features (premium only)
• Subscription canceling (premium only)

Cons:

• Premium features not free
• Limited advanced budgeting tools
• Not much customization

Pricing: Free (no premium) or “pay what you think is fair” (usually $7 to $14 a month) for premium

Best for: Users focused on cutting expenses and automating savings.

Read our full Rocket Money review. 

Credit Karma — Best for Credit Monitoring

Credit Karma is Intuit’s proposed alternative to Mint, but users were frustrated by that suggestion when Intuit announced it would sunset Mint in early 2024. That’s because Credit Karma is primarily focused on credit tracking.

Unlike Mint, Credit Karma doesn’t include full budgeting tools or detailed expense tracking. Its hallmark is free credit score monitoring.

Pros:

• Free credit score tracking
• Credit report monitoring
• Personalized recommendations
• No subscription required

Cons:

• May suggest credit/debt you don’t need
• No budgeting tools
• Limited expense tracking

Pricing: Free

Best for: Users focused on credit monitoring or improving credit score.

Comparison Table of Mint Alternatives

For a high-level look at the best Mint alternatives, review the table below, which compares pricing, budgeting resources and key features of each major app.

Mint vs. Credit Karma: What’s Different?

Intuit may have suggested that Credit Karma was a good replacement for Mint, but the two apps serve different purposes. Mint was focused on budgeting and offered in-depth customization; Credit Karma is designed more for credit monitoring and often recommends financial products (some that may tempt you to take out loans or lines of credit you don’t need).

Mint (retired)

• Budgeting tools
• Expense categorization
• Spending insights

Credit Karma

• Free credit scores and reports
• Limited budgeting and tracking features
• Financial product suggestions

If you’re looking for a true Mint alternative, consider Monarch Money or YNAB. But that doesn’t mean Credit Karma isn’t worth getting; together with a more customizable budgeting app, Credit Karma helps you manage your full financial picture more easily.

Note: Many banks and credit card companies offer free credit score monitoring as part of their services. Before opening an account with Credit Karma, see if you already have this service elsewhere.

Is Mint Still Available?

No, Mint is no longer available as of March 2024. Intuit officially shut down the budgeting app and encouraged its 3.6 million active users to move their data to Credit Karma. Unfortunately, Credit Karma was not comparable, so users have had to find other Mint budgeting alternatives.

The shutdown marked the end of one of the most popular free budgeting tools. Today’s budgeting apps almost all come with a fee, especially if you want customization and detailed expense tracking.

FAQs About Mint Alternatives

Final Verdict: Which Mint Alternative Is Best for You?

Determining which Mint alternative is best for you depends on your specific needs. Is getting a free app important? Do you want customization? Are you looking for features like subscription cancellations and automatic savings, or do you prefer detailed budgeting reports and even wealth management?

Here’s a look at which Mint alternative is best for you, based on your scenario:

• Best overall: Monarch Money
• Best free option: Empower
• Best for beginners: Simplifi
• Best for advanced budgeting: YNAB

If you want an experience that is close to Mint, start with Monarch Money, which has a month-to-month option, or YNAB, which has a free 34-day trial. If you want to keep things simple, you could start with Simplifi; however, you have to pay for a year upfront.

Timothy Moore is a personal finance writer and Certified Financial Education Instructor. He covers banks, loans, insurance and taxes for The Penny Hoarder. Find his work on sites such as USA Today, Business Insider and Forbes.

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