New this week: 6 head-to-head tests added, including Claude vs Gemini for long documents.
See what changed →If you’re still looking for a Mint replacement, here’s where things stand: Intuit killed the app on March 23, 2024, and two and a half years later, the replacement market has settled. The bad news for you: free bank-connected budgeting is mostly gone. The good news: the paid apps you can pick from now are far better than Mint ever was.
This guide walks you through 9 Mint alternatives that actually work in 2026. We checked every price below against the vendor’s own pricing page in August 2026, so you can trust what you’re seeing. We also flag which free tiers are real and which are just trials, so you don’t get burned.
Looking for the phone carrier instead? “Mint Mobile alternatives” is a different search — this page is about Mint the budgeting app, not the SIM plan. One more thing before you dive in: this article is informational only and isn’t financial advice.
Ranked by testing, current pricing and free-tier value. Details on every pick below the list.
Best overall Mint replacement
$14.99 per mo / $99.99 per yrBest genuinely free option
Free, open sourceBest for breaking paycheck cycles
$14.99 per mo / $109 per yrBest overall Mint replacement
If you want Mint’s dashboard back, this is the closest you’ll get, rebuilt properly. You get custom categories, net worth, investments and household sharing, all at no extra cost.
Free tier: None. 7-day free trial only
Best genuinely free option
This is open-source envelope budgeting you self-host or run locally yourself. There’s no subscription, no ads, and your data never leaves your machine unless you want it to.
Free tier: Fully free. Bank sync add-on costs extra
Best for breaking paycheck cycles
This is zero-based budgeting with a real method behind it. Expect a steep learning curve, but if you want your spending habits to actually change, nothing else here works as reliably.
Free tier: None. 34-day trial; free year for students
Cheapest full-featured tracker
You’ll find the best price-to-feature ratio on this list here. It gives you strong cash-flow forecasting and bill detection, backed by Quicken’s 14,000+ institution connections.
Free tier: None. Annual rate is first-year only
Best free tier with bank sync
This is the only well-funded app still offering you free bank-connected tracking. Its subscription-cancellation tool is really why you’d want it.
Free tier: Real free plan, capped at 2 custom budget categories
Best design, Apple users only
If looks matter to you, this is the best-looking finance app you can install, with smart auto-categorization that learns fast. Just know there’s still no Android app in 2026.
Free tier: None. One-month trial
Best free net worth and investing view
You get free portfolio analysis, fee detection and retirement projections that beat most paid tools. Just know budgeting is basic here, and advisors will call you.
Free tier: Genuinely free forever
Best for expats and multi-currency
If you’ve got accounts in several countries and currencies, plus crypto, this one’s built for you. Your price locks for life at the rate you sign up on.
Free tier: None. 30-day trial, no card required
Best without linking bank logins
This is digital envelope budgeting you can run entirely by hand yourself. It’s your safest pick if you refuse to hand over bank credentials.
Free tier: Free: 10 envelopes, 1 account, 2 devices
| # | Tool | Best for | Free tier | Price |
|---|---|---|---|---|
| 01 | Monarch Money | Best overall Mint replacement | Free tier | $14.99 per mo / $99.99 per yr |
| 02 | Actual Budget | Best genuinely free option | Free tier | Free, open source |
| 03 | YNAB | Best for breaking paycheck cycles | Free tier | $14.99 per mo / $109 per yr |
| 04 | Quicken Simplifi | Cheapest full-featured tracker | Free tier | From $3.99 per mo, billed annually |
| 05 | Rocket Money | Best free tier with bank sync | Free tier | Free / $7-$14 per mo Premium |
| 06 | Copilot Money | Best design, Apple users only | Free tier | $13 per mo / $95 per yr |
| 07 | Empower Personal Dashboard | Best free net worth and investing view | Free tier | Free |
| 08 | Lunch Money | Best for expats and multi-currency | Free tier | $10 per mo / $100 per yr |
| 09 | Goodbudget | Best without linking bank logins | Free tier | Free / $10 per mo, $80 per yr |
Intuit announced Mint’s closure on October 31, 2023, originally targeting the end of that year. It then pushed the final date to March 23, 2024, which is probably the date you remember.
Mint’s own founder, Aaron Patzer, said the product had been in maintenance mode for about eight years. That probably matches what you saw yourself: broken bank connections, stale categories, and ads stapled to everything.
Intuit pushed you toward Credit Karma, its other free property. The migration carried over your linked accounts, supported transactions and net worth history. What it didn’t carry over was your budgets, because Credit Karma has no real budgeting feature.
Intuit said as much at the time, admitting Credit Karma did not provide budgeting the way Mint had. Users also lost transaction splitting, custom category names, and readable merchant renaming. Investment balances show the previous day’s numbers, not live ones.
That gap is probably the whole reason you’re here. Credit Karma is a fine free credit-score and net-worth tool for you to use. It just isn’t a budgeting app.
| Tool | Best for | Starting price | Free plan |
|---|---|---|---|
| Monarch Money | Best overall Mint replacement | $99.99 per yr ($14.99 per mo) | No, 7-day trial |
| Actual Budget | Best genuinely free option | Free, open source | Yes, fully free |
| YNAB | Best for breaking paycheck cycles | $109 per yr ($14.99 per mo) | No, 34-day trial |
| Quicken Simplifi | Cheapest full-featured tracker | From $3.99 per mo, billed annually | No |
| Rocket Money | Best free tier with bank sync | Free / $7-$14 per mo | Yes, limited budgets |
| Copilot Money | Best design, Apple only | $95 per yr ($13 per mo) | No, 1-month trial |
| Empower Personal Dashboard | Free net worth and investing view | Free | Yes, fully free |
| Lunch Money | Expats and multi-currency | $100 per yr ($10 per mo) | No, 30-day trial |
| Goodbudget | Budgeting without bank logins | Free / $80 per yr | Yes, 10 envelopes |
One thing every synced app shares: none of them talk to your bank directly. They rent connections from Plaid, MX, Finicity or Akahu. When your bank changes its login flow, every app on this list breaks at roughly the same time.
Monarch does what Mint did for you, then keeps going. You get custom categories, rules, goals, net worth tracking, investment holdings and cash-flow reports all in one place. Partner or advisor access comes included, not as an upsell.
What it lacks is speed. Redditors consistently flag slow syncs and occasional miscategorization, so don’t expect instant updates. It’ll cost you $14.99 per month, or $99.99 per year on the Core plan, with a Plus tier at $199 per year. You get a 7-day trial to test it.
Actual is the honest answer if you’re searching for a free Mint alternative. It’s open source, local-first, and free for you to run on your own machine or a cheap hosted pod. Nothing here is ad-supported, because there’s no company monetizing you.
The catch is bank syncing. Actual connects through third parties, and the US option, SimpleFIN, costs $1.50 a month or $15 a year. GoCardless covers the EU and UK. You can also skip syncing entirely and import CSVs.
YNAB makes you assign every dollar a job before you spend it. It’s the only app here that reliably changes your behavior rather than just reporting on it. Just know reports and net worth tracking are thinner than what you’d get with Monarch.
It’s also the priciest option you’ll find here: $14.99 per month or $109 per year, with no permanent free plan. The 34-day trial needs no card from you, and if you’re a verified college student you get a free year.
Simplifi is the one to try if $100 a year feels steep to you. It runs from $3.99 per month billed annually, up from a $6.99 list price, and covers your spending plans, bill tracking, savings goals and investment monitoring.
Read the fine print before you commit: the discounted annual rate applies to your first year only, then renews at the standard rate. There’s no free tier and no permanent free trial.
Rocket Money’s free plan links your checking, savings, credit cards and investments, tracks your spending, and finds subscriptions you’ve forgotten about. Budgeting is capped at two custom categories, which is the nudge that pushes you toward Premium.
Premium is pay-what-you-think-is-fair, typically $7 to $14 a month. Be aware of the bill negotiation fee before you agree to it: if Rocket Money lowers a bill for you, it keeps 35% to 60% of your first year of savings.
Copilot gives you the sharpest interface in personal finance, with fast auto-categorization and clean recurring-expense views. If you use Apple Card, Venmo or Amazon, those integrations are a genuine edge for you.
The dealbreaker hasn’t moved: as of August 2026 Copilot ships for iPhone, iPad, Mac and web, with no Android app, so check your phone before you get excited. Pricing runs $13 per month or $95 per year after a one-month trial.
Most “free” lists you’ll come across are counting trials as free. Here’s the honest split, as of August 2026, so you know what you’re actually getting.
The trade-off you’re making is consistent. Free tools either take payment in your data and ads, like Credit Karma, or in your time, like self-hosting Actual yourself. Nobody is giving away Plaid connections at scale anymore, which is exactly why Mint died in the first place.
This matters more than most guides admit, especially if you’re outside the US. Monarch, Rocket Money, Simplifi, Copilot and Empower are effectively US-focused, so check before you sign up. Lunch Money and Actual Budget handle multiple currencies and non-US banks properly. YNAB syncs in the US, Canada and parts of Europe. Goodbudget works anywhere you are, since manual entry doesn’t care about borders.
Pick based on the job you actually need done, not the longest feature list.
You want Mint back, more or less. Monarch Money. It’s the direct successor in shape and scope, and the sharing feature makes it the obvious choice for couples.
You want to spend nothing. Try Actual Budget if you’re comfortable with a little setup, or Empower if you mostly want net worth and investment tracking with zero effort from you.
You keep overspending. Try YNAB. The cost is annoying, but the method works. Give it a full 34-day trial before you judge it.
You’re price-sensitive but want automation. Quicken Simplifi gets you there at under $4 a month — just keep an eye on the year-two renewal price.
You have subscriptions you’ve forgotten about. Run Rocket Money’s free tier, at least to do the audit yourself.
You don’t want to hand over your bank logins. Use Goodbudget or Actual with manual import instead.
Yes, if you were using Mint to actually budget. Credit Karma can’t do that job for you, and no amount of waiting will change it. Monarch, YNAB or Simplifi will all beat what Mint offered you back in 2023, because Mint had barely been updated since 2016.
It’s less clear-cut if you only used Mint to glance at your balances. Credit Karma and Empower will both do that for you for free, and paying $100 a year for a dashboard you check twice a month is hard to justify.
If you already migrated to Credit Karma and only track your net worth and credit score, just stay put. If you built a working spreadsheet after the shutdown, stay there too. Spreadsheets don’t raise prices or get acquired out from under you.
One practical warning before you commit to anything: export your data early and often. Mint users who waited past March 23, 2024 lost access to years of transaction history for good. Every app here supports CSV export, so use it quarterly and keep your own copy.
The questions people actually ask on Google, Reddit and Quora — answered with what we verified this month.
How we testIntuit announced on October 31, 2023 that it was shutting Mint down, and the app closed for good on March 23, 2024. If you were a user, you were migrated to Credit Karma, another Intuit product. Your linked accounts, supported transactions and net worth history transferred over, but your budgets did not.
Only if you never really used Mint’s budgeting tools. Credit Karma tracks your net worth, credit score and spending categories for free, but it has no real budgeting feature, no transaction splitting and no custom category names. If you need actual budgeting, Monarch Money, YNAB or Quicken Simplifi are far closer replacements for you.
Two are worth knowing about. Rocket Money’s free plan links your bank accounts and tracks your spending, though it caps custom budget categories at two. Actual Budget is free and open source, but if you’re in the US, bank syncing runs through SimpleFIN at about $15 a year, or you can import CSVs yourself for nothing.
Because bank connections cost real money. Apps license data through providers like Plaid, MX and Finicity, and those per-account fees scale with users like you. Mint offset that cost with ads and lead generation, which stopped working well enough for Intuit to keep it alive.
Quicken Simplifi is your cheapest option, at around $3.99 per month billed annually as of August 2026, versus a $6.99 monthly list price. Just note that the discounted rate applies to your first year only. Goodbudget Plus is $80 a year if envelope budgeting works for you.
No. Mint stopped operating on March 23, 2024, and the export window closed right along with it. If you migrated to Credit Karma before then, some of your transaction history and net worth data may still be sitting in that account. Otherwise, the only copies left are CSVs you downloaded yourself.
See how the top picks square off head to head, or browse every alternative guide we publish.