Best Mint Alternatives in 2026

Published October 5, 2026 | Consumer Apps Editorial Team

Mint is gone and Credit Karma is not a budgeting app. The real alternatives are compared here on price, automation level, bank connection coverage, and data import support, so former Mint users can find the tool that actually replaces what they lost.

Intuit shut Mint down on March 23, 2024, after 17 years and tens of millions of users, and directed everyone toward Credit Karma. That redirection was misleading. Credit Karma does not support category budgets, monthly spending limits, savings goals, or bill reminders, the features that made Mint useful in the first place. If you used Mint primarily to see your spending in one automatic dashboard, Credit Karma will feel like an empty room.

The harder truth is this: the free, fully automatic budgeting experience Mint offered is largely gone. Mint was funded by credit card and loan referral revenue. That business model stopped paying for itself. Most of the credible replacements in 2026 charge a subscription, typically in the range of $48 to $109 per year. No current product matches Mint's old combination of free and full-featured, and this guide will not pretend otherwise.

What this guide covers: nine alternatives ranked honestly, Monarch Money, Copilot Money, YNAB, Rocket Money, Quicken Simplifi, PocketGuard, Empower Personal Dashboard, Credit Karma, and a spreadsheet as the zero-cost option. Each entry includes a plain description, who it fits best, how close it is to the Mint experience, and honest pros and cons. A comparison table and a section on choosing by what you actually used Mint for follow the rankings.

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Why Replacing Mint Is Harder Than It Looks

Mint worked because it combined three things that are genuinely difficult to bundle: automatic bank sync across thousands of institutions, category-level budgets that reset each month, and a free price point. The ad-and-referral model that funded that bundle has eroded. Plaid connection fees, rising infrastructure costs, and shrinking referral margins made it unviable. Intuit killed Mint partly because it was not profitable at scale.

The apps that picked up Mint refugees mostly solve one or two of those three things well. Monarch Money and Copilot automate tracking but charge a subscription. YNAB demands active engagement rather than passive watching. Rocket Money's free tier handles subscriptions and basic tracking but stops short of real budgeting. Empower is genuinely free but focuses on investment and net worth rather than monthly category budgets. Understanding which piece of Mint you actually depended on is the fastest path to the right replacement.

The Core Problems Former Mint Users Face

• No free like-for-like replacement exists. Apps that automate bank syncing and category budgeting charge $48 to $109 per year in 2026.
• Credit Karma does not budget. It shows balances and credit scores, but it cannot set a monthly spending limit per category or alert you when you exceed it.
• Historical data is gone for most users. Mint shut down on March 23, 2024. Users who exported their CSV before that date may be able to import it into Monarch Money, YNAB, or a spreadsheet. Anyone who did not export has no recovery path, Intuit deleted the data.
• Bank connection reliability varies. Some apps use Plaid only; others route through Finicity, MX, or proprietary integrations, which affects how many banks they can actually reach.
• Platform gaps matter. Copilot Money launched a limited web app in late 2025 but remains primarily Apple-ecosystem software. If your household mixes iOS and Android, that is a meaningful constraint.

The sections below walk through what each app gets right and where it falls short, so you can match the tool to your actual situation.

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What to Look for in a Mint Alternative

The right replacement depends entirely on which features you actually used in Mint. Before evaluating any app, identify your primary use case, automatic spend tracking, monthly category budgets, net worth monitoring, bill reminders, or credit score checking, because these push you toward different tools. When evaluating any candidate, the following criteria matter most for former Mint users.

Key Evaluation Criteria

• Price and free tier: Is there a usable free tier, or is a subscription required for meaningful features?
• Automation level: Does the app sync automatically and categorize without daily manual work, or does it require hands-on upkeep?
• Bank connection coverage: How many institutions does it support, and does it cover your specific bank and credit union reliably?
• Category budgets: Can you set a monthly spending limit per category and track against it, or does the app only show historical spending?
• Net worth and investment tracking: Does it aggregate brokerage, retirement, and real estate accounts alongside spending?
• Credit score features: Does it pull and display your credit score, and how frequently?
• Mint data import: Can it accept a Mint CSV export if you saved one before March 2024?
• Platform support: Is there a full-featured web app, or is it mobile-only? Does it run on Android as well as iOS?
• Data export: Can you export your transactions in a standard format if you decide to switch again?

In our comparison, we evaluated every app on each of these dimensions and weighted automation, price, and category budget support most heavily, because those are the three things Mint users most commonly report missing.

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How Former Mint Users Are Choosing Replacements

Two years after the Mint shutdown, user migration patterns have settled into a few clear segments. Understanding how people with different Mint usage habits are landing helps narrow the choice before you read individual reviews.

Passive trackers: Users who primarily opened Mint to see where their money went, but never actively managed budgets, often land on Empower (free net worth and cash flow dashboard) or Rocket Money's free tier (subscription tracking plus basic spend visibility). These users did not need category budgets; they needed an automatic feed they could check occasionally.

Active budget managers: Users who lived inside Mint's budget tab, set category limits, and measured monthly progress overwhelmingly report moving to Monarch Money or Quicken Simplifi. Both offer automatic syncing, category budgets, and a visual monthly overview that resembles the Mint experience, at a subscription cost.

Couples and households: Monarch Money became the default recommendation for couples because its household plan covers two people at one subscription price. Copilot charges per person, meaning two subscriptions run $190 per year.

Methodology-first budgeters: A segment of Mint users who found the app too passive, people who wanted to direct money rather than just observe it, moved to YNAB. The zero-based approach requires more active engagement but produces more deliberate spending behavior.

Investment-focused users: People who primarily used Mint's net worth dashboard moved to Empower Personal Dashboard, which tracks investment accounts, 401(k)s, and retirement projections for free at a level of depth Mint never offered.

No-subscription users: A small but vocal group migrated to Google Sheets or Excel templates rather than pay any subscription. It requires manual data entry or downloading bank CSVs, but it costs nothing and gives complete control.

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Competitor Comparison: Mint Alternatives at a Glance

The table below compares all nine alternatives on the criteria former Mint users care about most. Prices should be verified directly with each provider before subscribing, as pricing and features change regularly.

This table represents the clearest comparison available based on current publicly reported features and pricing. Verify prices and features directly with each provider, as subscription terms change frequently.

Monarch Money and Quicken Simplifi come closest to the Mint experience for most users, automatic syncing, category budgets, and a monthly overview, at meaningfully different price points. Empower stands alone as the only fully free option with genuine utility, though it focuses on net worth and investments rather than monthly category budgets. Credit Karma is on this list because Intuit directed Mint users there, not because it is a real budgeting alternative.

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Best Mint Alternatives in 2026

1. Monarch Money, Best Overall Mint Replacement

Monarch Money is the most complete replacement for what Mint actually did. It syncs automatically across more than 13,000 US financial institutions, organizes transactions into category budgets that reset monthly, tracks net worth and investment accounts, and supports household access for couples at no extra cost. In the two years since Mint shut down, it became the most frequently cited all-in-one replacement in personal finance communities, and a 2026 platform update added an AI assistant, weekly spending recaps, and a second pricing tier for power users.

Key Features:

• Automatic bank sync: Connects to 13,000+ US institutions via Plaid, Finicity, and proprietary integrations; routes intelligently across aggregators to maintain reliability
• Category budgets: Monthly category-level budgets with rollover options and visual progress tracking, closely mirroring Mint's budget tab
• Household and couples support: One subscription covers unlimited household members, making it the most cost-efficient option for couples
• Investment and net worth tracking: Full portfolio dashboard, real estate via Zillow integration, and cryptocurrency support through Coinbase
• AI assistant: Weekly spending recaps, trend alerts, and conversational queries about your finances
• Mint CSV import: Native support for importing Mint transaction history; the company also released a Chrome extension before the Mint shutdown to help users export their full history

Mint Alternative Offerings:

• Automatic spend tracking: Full automatic daily sync with category assignment
• Category budgets: Monthly category limits with rollover and alerts, the closest equivalent to Mint's budget tab
• Net worth dashboard: Aggregated across all accounts including investments, loans, and real estate
• Data migration: Accepts Mint CSV exports directly; categories map automatically from Mint's naming conventions

Pricing:

• Monarch Core: $99.99/year ($8.33/month) or $14.99/month; 7-day free trial
• Monarch Plus: $199/year (annual only); adds retirement forecasting, Morningstar investment analysis, and business/rental tracking
• No free tier after trial ends

Pros:

• Closest to the Mint experience with automatic sync and category budgets
• One subscription covers the entire household; couples get the best value here
• Native Mint CSV import with category mapping
• Available on iOS, Android, and web, no platform lock-in
• No ads, no data selling; subscription-funded
• AI assistant and weekly recaps add active guidance alongside passive tracking

Cons:

• No free tier; 7-day trial is shorter than YNAB's 34-day trial
• US-only bank connections
• Monthly billing ($14.99) is significantly more expensive than the annual plan
• Connection reliability complaints appear in user reviews; some banks disconnect and require manual refresh

Monarch Money is the answer for former Mint users who want the most familiar replacement with minimal behavior change. It asks you to pay a subscription, not to adopt a new financial methodology. Among the paid apps in this category, it has the broadest feature set at its Core price point, and its household sharing model is the most generous. It is not for users who need a free option, are outside the US, or prefer a strictly manual zero-based approach.

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2. Copilot Money, Best for Apple Users Who Want Automation

Copilot Money is the best-designed budgeting app available on iOS and is widely regarded as having the most accurate automatic transaction categorization in the category. It connects to more than 10,000 US financial institutions and uses a per-user machine-learning model called Copilot Intelligence that improves accuracy as it learns your specific spending patterns. A limited web app launched in December 2025, though it lacks several iOS features including the goals tab and cash flow view. There is no Android app and no public roadmap for one.

Key Features:

• AI categorization: On-device machine learning model that learns per user; widely regarded as the most accurate auto-categorization in the space
• Design: Native iPhone, iPad, and Mac apps built specifically for Apple's ecosystem, not an adapted Android interface
• Bank connections: 10,000+ US institutions, including direct integrations with Venmo, Apple Card, and Coinbase
• Investment and net worth tracking: Included at all subscription levels
• Subscription detection: Automatically identifies recurring charges including pending refunds and upcoming bills

Mint Alternative Offerings:

• Automatic spend tracking: Fully automatic with ML-powered categorization
• Category budgets: Budget rollovers for unspent funds, daily spending line, and cash flow summaries
• Data migration: Accepts CSV imports, including Mint exports

Pricing:

• $95/year ($7.92/month) or $13/month; one-month free trial
• No free tier
• Couples warning: Copilot charges per person, not per household; two subscriptions cost $190/year

Pros:

• Best-in-class AI categorization that improves over time
• Outstanding native Apple design; feels native on iPhone, iPad, and Mac
• Slightly cheaper than Monarch for solo subscribers ($95 vs. $99.99)
• No ads and no data selling
• Investment and net worth tracking included

Cons:

• No Android app; web app is limited
• Couples or mixed-device households face a $190/year combined cost
• No credit score monitoring
• US-focused institution coverage only
• Per-person billing model is a significant disadvantage for households

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3. YNAB, Best for Users Who Want to Change Their Spending Behavior

YNAB (You Need A Budget) is not trying to replace the passive, set-and-forget Mint experience. It is a zero-based budgeting tool built on the premise that every dollar you have should be assigned a job before you spend it. Users report that YNAB changes how they think about money, not just how they track it. That comes with more active engagement: you review, approve, and assign transactions regularly rather than glancing at an auto-filled dashboard once a week. For users who found Mint too passive and still overspent, YNAB is the right direction to move. For users who just want automatic tracking with minimal effort, it is likely too much.

Key Features:

• Zero-based budgeting: Four-rules methodology that requires allocating income to categories before spending occurs
• Bank sync: Automatic import available; many users supplement with manual entry for greater intentionality
• Cross-platform: Full-featured iOS, Android, and web apps
• Family sharing: One subscription covers up to six people at no additional cost
• Longest free trial: 34-day trial with no credit card required, the most generous in this category

Mint Alternative Offerings:

• Category budgets: Full zero-based category system; most granular budgeting approach in this comparison
• Goal tracking: Savings goals with target dates and visual progress
• Debt payoff: Loan calculator and debt management tools built in
• Data migration: Accepts CSV imports, including Mint transaction history

Pricing:

• $109/year ($9.08/month) or $14.99/month
• 34-day free trial, no credit card required
• Students with a valid .edu email can get one year free
• No free tier after trial; no investment tracking

Pros:

• Most proven methodology for users who actively want to change spending habits
• Up to six people per subscription, outstanding household value
• Longest free trial (34 days) in the category
• Strong educational resources including live workshops
• Student pricing makes it accessible for younger users

Cons:

• Most expensive annually ($109/year) in this comparison
• Requires active, regular engagement, not a passive tracker
• No investment or net worth tracking
• No credit score features
• Steeper learning curve than Mint-style apps
• US and UK primarily; no native EU bank sync

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4. Rocket Money, Best Free Option for Subscription and Bill Tracking

Rocket Money is the only app in this comparison with a genuinely usable free tier, not a trial, but a permanent free plan. The free version connects unlimited accounts, detects and displays subscriptions, offers basic spend tracking, and provides access to its bill negotiation service. The catch is that free users are limited to two custom budget categories, which makes it insufficient for users who relied on Mint's full category budget system. Premium ($7 to $14 per month on a sliding scale you control) unlocks unlimited budget categories, a subscription cancellation concierge, Smart Savings, net worth tracking, and full credit monitoring. Every price point in the Premium range unlocks identical features, there is no functional reason to pay more than the $7 minimum.

Key Features:

• Free tier: Permanent and functional for subscription discovery, basic tracking, and bill negotiation access
• Bill negotiation: Available to free and Premium users; the concierge negotiates lower rates on cable, internet, and phone bills, charging 35-60% of first-year savings only if successful
• Subscription detection and cancellation: Finds recurring charges and, on Premium, cancels them on your behalf
• Credit monitoring: Basic credit score on free; full credit reports on Premium
• Bill reminders: Alerts for upcoming bills on both tiers

Mint Alternative Offerings:

• Subscription management: Strongest subscription tracking and cancellation tool in this comparison
• Basic spending categories: Available on free; unlimited on Premium
• Net worth tracking: Premium only
• Data migration: No formal Mint import tool

Pricing:

• Free: $0, permanent, no card required
• Premium: $7-$14/month (user-selected, identical features at every price; choose $7)
• Premium+: $15/month (includes AI assistant and removes bill negotiation success fee)
• Bill negotiation: 35-60% of first-year savings if successful; free to attempt on any plan
• No annual billing option for Premium

Pros:

• Only app in this comparison with a truly usable permanent free tier
• Outstanding subscription discovery and cancellation tools
• Bill negotiation can offset its own cost
• Straightforward interface, easy to start in under an hour
• Credit score monitoring included even on free tier

Cons:

• Free tier limited to two budget categories, not a full Mint replacement
• No formal Mint data import
• Premium billed monthly only; no annual discount
• Budget categories are basic compared to Monarch Money or YNAB
• Bill negotiation success fee of up to 60% is a meaningful hidden cost
• No investment tracking

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5. Quicken Simplifi, Best Value for Automatic Budgeting

Quicken Simplifi is the most affordable subscription budgeting app in this comparison when the promotional pricing is active. New subscribers regularly see rates around $3.99 per month ($47.88/year), meaningfully cheaper than Monarch Money or YNAB. The app syncs automatically across 14,000+ US institutions, applies machine-learning auto-categorization, and includes a Spending Plan that operates similarly to Mint's budget tracking. It is a good fit for users who want Mint-style automatic category tracking at the lowest price point willing to pay a subscription at all. The renewal rate is the key caveat: the standard rate after the promotional year is roughly $6.99/month ($83.88/year), a significant jump that many new subscribers do not anticipate.

Key Features:

• Automatic bank sync: 14,000+ US institutions, including 401(k)s, IRAs, and brokerage accounts
• Spending Plan: Monthly category tracking that resembles Mint's budget tab; shows remaining budget by category in real time
• Auto-categorization: Machine learning with high reported accuracy
• Subscription tracking: Identifies recurring charges automatically
• Investment tracking: Basic portfolio view included

Mint Alternative Offerings:

• Automatic spend tracking: Fully automatic with category assignment
• Spending Plan: Monthly budget categories with visual progress, the most Mint-like feature in this app
• Data migration: Accepts CSV imports including Mint exports
• Investment view: Basic portfolio overview alongside spending

Pricing:

• Promotional rate: ~$3.99/month ($47.88/year), verify at quicken.com before subscribing
• Standard/renewal rate: ~$6.99/month ($83.88/year)
• No monthly billing option; annual only
• No free tier; 30-day money-back guarantee
• 7-day free trial available

Pros:

• Lowest entry price among full-featured automatic budgeting apps
• 14,000+ institution coverage is among the broadest in the category
• Clean, uncluttered interface with a shorter learning curve than YNAB
• Available on iOS, Android, and web
• Investment tracking included
• 30-day money-back guarantee reduces trial risk

Cons:

• Promotional pricing jumps significantly at renewal, budget for the higher standard rate
• No free tier
• Investment tracking is basic compared to Empower
• No credit score monitoring
• No household sharing; single-user only
• No Mint-native import tool, CSV import is manual

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6. PocketGuard, Best for Impulsive Spenders Who Want One Number

PocketGuard's central feature is a single number it calls "In My Pocket", the amount you can safely spend today after accounting for bills, savings goals, and necessities. That simplicity is both its strength and its ceiling. Users who want a daily safe-to-spend figure without navigating complex budget dashboards find it immediately useful. Users who want the detailed category-level reporting Mint offered will find it too narrow. PocketGuard has a free tier, but it caps connected accounts at two and budget categories at two, most households exceed those limits quickly. The Plus plan at $74.99/year or a $149.99 one-time lifetime purchase unlocks unlimited accounts and categories.

Key Features:

• "In My Pocket" number: Real-time safe-to-spend calculation updated automatically as bills clear and spending occurs
• Debt payoff planner: Avalanche and snowball methods with target date projections (Plus only)
• Bill tracking: Due-date reminders and payment history
• Subscription detection: Automatic identification of recurring charges
• Lifetime purchase option: A one-time $149.99 payment replaces recurring annual fees, unusual in this category

Mint Alternative Offerings:

• Daily spending limit: The "In My Pocket" number serves as a daily budget reference
• Category budgets: Available on Plus plan with unlimited custom categories
• Bill reminders: Alerts for upcoming bills included
• Data migration: No Mint-native import tool; CSV export available on Plus

Pricing:

• Free tier: $0, limited to 2 accounts and 2 budget categories
• Plus Monthly: $12.99/month
• Plus Annual: $74.99/year ($6.25/month)
• Lifetime: $149.99 one-time payment
• 7-day free trial for Plus

Pros:

• Unique lifetime purchase option eliminates recurring subscription cost
• The "In My Pocket" number is immediately intuitive for overspenders
• Debt payoff planner included with Plus
• Free tier exists (though limited)
• Available on iOS, Android, and web

Cons:

• Free tier is too restricted for most households (2 accounts, 2 categories)
• No investment tracking
• No credit score features
• Bank sync reliability issues reported with some major institutions
• No Mint data import
• Less category detail than Monarch Money or Simplifi

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7. Empower Personal Dashboard, Best Free Option for Net Worth and Investments

Empower Personal Dashboard (formerly Personal Capital) is the strongest free financial dashboard available in the US in 2026. Every core feature, net worth tracking, investment portfolio analysis, 401(k) fee analysis, retirement planning with Monte Carlo simulations, and cash flow tracking, is permanently free with no subscription and no trial countdown. The trade-off is deliberate: Empower makes money by upselling its paid wealth management advisory service to users with $100,000 or more in linked assets, and those users report phone and email outreach once their linked balances cross that threshold. If you used Mint primarily for net worth tracking and investment visibility rather than monthly category budgets, Empower does that job better than Mint ever did, and at no cost. If you used Mint's budget tab actively, Empower's budgeting tools will feel basic by comparison.

Key Features:

• Net worth tracking: Aggregates all accounts including checking, savings, credit cards, loans, mortgages, investment accounts, 401(k)s, IRAs, and crypto
• Investment Checkup: Analyzes portfolio for sector concentration, fund fees, and asset allocation gaps
• Fee Analyzer: Uncovers hidden fund expense ratios and shows projected lifetime fee drag
• Retirement Planner: Monte Carlo simulations across 1,000+ market scenarios; free
• Cash flow tracking: Monthly income and spending overview, though category budget-setting is limited

Mint Alternative Offerings:

• Net worth dashboard: Institutional-grade tracking across 14,000+ institutions, far exceeds what Mint offered
• Investment analysis: Portfolio checkup, fee analysis, and retirement projections included free
• Spending overview: Monthly cash flow visible; detailed category budgeting limited
• Data migration: No Mint import tool; fresh account setup required

Pricing:

• Dashboard: Free, permanently. No subscription. No credit card required to sign up.
• Wealth management (separate, optional): 0.89% of assets under management per year; minimum $100,000

Pros:

• Completely free for all tracking, planning, and analysis tools
• Best investment and net worth dashboard in this comparison by a wide margin
• Available on iOS, Android, and web
• Retirement planner with Monte Carlo simulations is institutional-quality
• No ads on the dashboard
• 14,000+ institution connections

Cons:

• Category budgeting is basic; not a replacement for Mint's budget tab
• Wealth management sales outreach is persistent once assets exceed $100,000
• No credit score features
• No Mint data import
• Android app quality declined after a late-2025 app merger; check current reviews
• Free model is sustained by upselling managed investment services, not a subscription

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8. Credit Karma, What Intuit Gave You Instead of a Replacement

Credit Karma is on this list because Intuit directed every Mint user toward it when Mint shut down. It deserves an honest description rather than being omitted. Credit Karma is a credit monitoring product. Its core features are credit score tracking from TransUnion and Equifax, personalized credit card and loan recommendations, and identity monitoring. It can display your account balances and a basic spending overview, but it does not support monthly category budgets, spending limits per category, savings goals, or bill reminders, which were the defining features of Mint. Intuit's own migration documentation acknowledged that Credit Karma does not replicate Mint's budget functionality.

If all you used Mint for was checking your credit score and glancing at your balances, Credit Karma is a reasonable free landing spot. If you used the budget tab, it is not a replacement, and this guide cannot represent it as one.

Key Features:

• Credit monitoring: TransUnion and Equifax scores, updated regularly; identity theft monitoring
• Account balance view: Linked accounts display balances and recent transactions
• Spending overview: Basic categorical spending view without monthly limit-setting
• Net worth: Basic net worth calculation from linked accounts
• Financial product recommendations: Personalized credit card and loan offers

Mint Alternative Offerings:

• Credit score: Yes, this is Credit Karma's core strength
• Balance tracking: Yes
• Category budgets: No
• Monthly spending limits: No
• Bill reminders: No
• Savings goals: No
• Mint data migration: Partial, linked accounts and up to three years of transaction history transferred during the 2024 migration window only; that window is now closed

Pricing:

• Free, permanently
• Revenue model: financial product referral commissions (credit cards, loans, insurance)

Pros:

• Free with no subscription required
• Best credit score monitoring in this comparison
• Simple interface, easy to use
• Legitimate platform, Intuit's flagship consumer product

Cons:

• Does not do category budgets, not a budgeting app
• No monthly spending limits or savings goals
• Revenue model depends on recommending financial products to users
• Not a Mint replacement for anyone who actively budgeted
• No data export to other budgeting apps

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9. Spreadsheet, The Free Option That Never Shuts Down

A spreadsheet, Google Sheets or Microsoft Excel, is the only option in this comparison that is guaranteed to still work in five years, costs nothing, sells nothing, and gives you complete ownership of your data. It requires manual effort: you download transaction CSVs from your banks, paste or import them, and build your own category system. If you exported a Mint CSV before the shutdown, you can paste it directly into a spreadsheet and have your full transaction history available immediately. For users whose primary complaint about Mint's replacements is the subscription cost or the data privacy trade-off, a spreadsheet is a serious option, not a fallback.

Key Features:

• Full customization: Build any category structure, budget formula, chart, or report you want
• Data ownership: No third party holds your financial history
• Mint CSV compatibility: A Mint export pastes directly into Google Sheets or Excel
• Cost: $0 with Google Sheets; $0 with existing Microsoft 365 subscription
• Platform: Works on any device with a browser

Mint Alternative Offerings:

• Category budgets: Fully customizable, you define the categories and limits
• Historical data: If you saved your Mint CSV, your full history is preserved
• Automatic sync: Not available without a third-party add-on like Tiller (paid)
• Net worth tracking: Manual; update balances yourself or download bank statements

Pricing:

• Free (Google Sheets)
• Note: Tiller adds automatic bank sync to Google Sheets for $79/year if manual entry is the primary barrier

Pros:

• Zero cost, zero subscription, zero data sharing
• Complete privacy, your data never leaves your device or Google's servers
• Accepts Mint CSV history directly
• Never shuts down unexpectedly
• Infinitely customizable

Cons:

• Requires manual work, downloading bank CSVs or entering transactions by hand
• No automatic bank sync without a paid add-on
• No investment or net worth automation
• No mobile experience comparable to a dedicated app
• Requires spreadsheet familiarity to get real value

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The Data Migration Question: What Happened to Your Mint History

This is the question former Mint users ask most, so it deserves a direct answer.

Mint shut down on March 23, 2024. Users who exported their data before that date received a CSV file containing transaction history (date, description, original description, amount, transaction type, category, and account name). Mint's native export tool was capped at 10,000 transactions per export. Monarch Money released a Chrome extension before the shutdown that could export the full transaction history without that cap, but the Mint website is now gone, so that extension no longer functions.

For users who did not export: the data is permanently gone. Intuit deleted it. There is no recovery path. Your actual financial data, the underlying transactions, still exists in your bank's records. You can download official bank statements going back typically 12 to 24 months, and some banks go further. What you cannot recover is Mint's categorization, custom labels, budgets, and goals.

For users who did export a Mint CSV:

• Monarch Money accepts Mint CSVs natively, with automatic category mapping from Mint's category names to Monarch's
• YNAB accepts CSV imports, though Mint's format may require minor column adjustments
• Quicken Simplifi accepts CSV imports manually
• Google Sheets / Excel accepts the Mint CSV directly with no conversion needed
• Copilot Money accepts CSV imports
• Rocket Money, PocketGuard, Empower, and Credit Karma do not offer Mint-native import tools

For most users in 2026, Mint history is a starting-fresh situation. The apps that matter now are the ones that build a clean record from the date you join, with automatic bank syncing doing the work going forward.

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How to Pick Based on What You Actually Used Mint For

Mint meant different things to different users. The fastest way to choose a replacement is to identify your primary use case from the list below.

If you used Mint primarily for passive spend tracking, you opened it once a week to see where the money went, but you never actively managed category limits, start with Rocket Money's free tier or Empower. Both give you an automatic feed without a subscription. If you want cleaner categorization and are willing to pay, Quicken Simplifi at the promotional price delivers the most Mint-like experience at the lowest subscription cost.

If you used Mint's budget tab actively, you set monthly limits by category and checked your progress mid-month, Monarch Money or Quicken Simplifi are the closest matches. Monarch has better investment tracking and household support; Simplifi is cheaper at the promotional price for single users.

If you primarily tracked net worth and investments, you connected brokerage and retirement accounts and watched the total grow, Empower Personal Dashboard does this better than Mint ever did, and it is free.

If you relied on bill reminders, you used Mint to alert you before bills hit your account, Rocket Money and PocketGuard both handle bill due-date tracking well. Rocket Money's free tier is sufficient for most users with this specific need.

If you wanted to be more intentional about spending, not just observe it, you felt Mint's passive tracking let you off the hook too easily, YNAB is the right direction. It will require more engagement, but users consistently report that the methodology produces real behavior change.

If you want to pay nothing, Empower covers net worth and investments free. Rocket Money's free tier covers subscription discovery and basic tracking free. A spreadsheet covers everything else free. No combination of free tools fully replicates Mint, but these three together cover most of what Mint did.

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Our Evaluation Framework for Mint Alternatives

The Consumer Apps editorial team evaluated each app in this comparison using the following weighted criteria. Weights reflect the features Mint users most commonly report missing.

No app in 2026 scores full marks across every criterion. The best choice depends on how your personal weighting differs from the framework above. Users who weight price at 0% and automation at 50% will choose differently than users who weight price at 40% and methodology at 40%.

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Why Monarch Money Is the Strongest All-Around Mint Replacement

Across our evaluation, Monarch Money scores highest overall because it addresses the most criteria that mattered about Mint simultaneously: automatic sync, category budgets, net worth tracking, household coverage, and native Mint data import. It is not free, and it is not the cheapest option, but for former Mint users who want to resume the same behavior they had, open an app, see where things stand, adjust budgets, move on, Monarch Money restores that workflow most completely. The 2026 AI assistant, weekly recaps, and the new Plus tier for power users extend the value beyond what Mint ever offered.

Quicken Simplifi is the runner-up for solo users who want to minimize subscription cost. Empower is the clear answer for users whose primary use case was net worth and investment tracking. And for the subset of users ready to spend money more deliberately rather than simply observe it, YNAB remains the best tool available, even if it bears the least resemblance to Mint's set-and-forget model.

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FAQs About Mint Alternatives in 2026

What actually happened to Mint?

Intuit shut Mint down on March 23, 2024, after 17 years and roughly 25 million users. The service was funded by credit card and loan referral revenue, and that model stopped being profitable at scale as data aggregation costs rose. Intuit directed users toward Credit Karma, another Intuit product, but Credit Karma does not replicate Mint's budgeting features. Users had until March 23, 2024, to export a CSV of their transaction history; after that date, the data was deleted and is unrecoverable.

Can I get my Mint data back in 2026?

No. Mint's data was deleted after the March 23, 2024 shutdown. Users who exported a CSV before that date can import it into Monarch Money, YNAB, Quicken Simplifi, Copilot Money, or a spreadsheet. Users who did not export have no recovery path. Your underlying bank transaction data still exists in your bank's records, however, most banks provide downloadable statements going back 12 to 24 months, which can be used to rebuild recent history in a new app.

Is Credit Karma a real replacement for Mint?

No. Credit Karma is a credit monitoring app that also shows account balances and basic spending data. It does not support monthly category budgets, per-category spending limits, savings goals, or bill reminders. Intuit's own migration documentation acknowledged this gap. If you used Mint's budget tab, Credit Karma does not replace it. If you used Mint only to check your credit score and glance at balances, Credit Karma is adequate, and free.

What is the best free Mint alternative?

No single free app replicates everything Mint did. Empower Personal Dashboard is the best free option for net worth and investment tracking. Rocket Money's free tier is the best free option for subscription discovery and bill tracking, with basic spending visibility. A Google Sheets spreadsheet is the best free option for anyone willing to do manual entry and wanting complete data ownership and privacy. None of these matches Mint's old combination of free, automatic, and fully featured, that product no longer exists in the market.

How much do Mint alternatives cost in 2026?

Most full-featured automatic budgeting apps charge between $48 and $109 per year. Quicken Simplifi runs approximately $47.88/year at promotional pricing (verify before subscribing, as the standard rate is higher). Copilot Money is $95/year. Monarch Money Core is $99.99/year. YNAB is $109/year. Rocket Money Premium starts at $7/month with no annual option. PocketGuard Plus is $74.99/year or $149.99 as a one-time lifetime purchase. Empower Personal Dashboard is free. The market has shifted decisively toward subscriptions since Mint's referral-revenue model proved unsustainable.

Which Mint alternative is best for couples?

Monarch Money is the best option for couples. One subscription at $99.99/year covers all household members, including shared dashboard access and collaborative budgeting. Copilot Money charges per person, two subscriptions cost $190/year combined, which removes its price advantage for couples. YNAB covers up to six people on a single subscription at $109/year, making it a strong household value for families even though it requires more active engagement.

Does any Mint alternative support importing historical Mint transactions?

Yes, but only if you exported your Mint data before the March 23, 2024 shutdown. Monarch Money supports native Mint CSV import with automatic category mapping from Mint's naming conventions. YNAB, Quicken Simplifi, and Copilot Money accept standard CSV imports that can accommodate Mint exports with minor formatting adjustments. A spreadsheet accepts the Mint CSV directly with no conversion. If you did not export your Mint data before the shutdown, there is no import to perform, the data no longer exists.

This article contains general information about budgeting apps and is not financial advice. App prices, features, regional coverage, and product availability change frequently. Verify all pricing and feature details directly with each provider before subscribing.