Last updated: August 6, 2026

Best Mint Alternatives Now That Mint Is Gone

ClearCents may earn a commission if you sign up for an app through a link on this page. This never affects which apps we mention or how we describe them — see our Advertiser Disclosure for details.

Intuit shut down Mint on March 23, 2024, after roughly 17 years as the go-to free budgeting app for millions of Americans. Existing users were redirected to Credit Karma — also an Intuit product — but Credit Karma is fundamentally a credit-monitoring and lending-marketplace tool, not a real budgeting replacement. Years later, a lot of former Mint users are still piecing together a new system. This guide compares the well-established alternatives, organized by what Mint feature mattered most to you, so you can pick a replacement without trying five apps yourself.

Why Nothing Replaces Mint Exactly

Mint's core appeal was doing a lot of things reasonably well, for free: bank aggregation, spending categorization, bill tracking, a basic credit score, and net worth tracking, all in one app. It was free because your spending data helped power targeted financial product advertising within the app. When that advertising model stopped covering the cost of running the service, Intuit shut it down rather than continuing to invest in it. The practical lesson most former users took away: a single "does everything for free" replacement isn't really available anymore. The current landscape instead splits into a few distinct categories, and picking the right one starts with knowing which Mint feature you actually relied on most.

Compare by What You Actually Need

If Mint's Main Value to You Was...	Look At
Automatic categorized spending tracking	Monarch Money, Quicken Simplifi, Copilot Money
A strict "give every dollar a job" budgeting system	YNAB (You Need A Budget)
Net worth and investment tracking across accounts	Empower
Subscription and recurring bill detection	Rocket Money
Budgeting together with a partner	Monarch Money, Goodbudget
Complete privacy, no bank account linking	A manual-entry app or spreadsheet — see our budgeting guide

Monarch Money

Monarch is widely considered the closest spiritual successor to Mint, and for good reason — it was built by a former Mint product manager. It combines automatic transaction categorization, budget tracking, and net worth monitoring across linked accounts, with particularly strong support for couples: two people can access the same household budget with separate individual logins, seeing combined or individual spending as needed. It's a paid subscription, generally priced higher than some competitors, but many users who've tried multiple alternatives report preferring Monarch's overall polish.

YNAB (You Need A Budget)

YNAB takes a fundamentally different approach than Mint did. Instead of passively tracking what you already spent, YNAB has you assign every dollar of income a specific job before you spend it — the zero-based budgeting method covered in detail in our zero-based budgeting guide. It demands more active engagement than Mint ever did, but that engagement is the point: users who've abandoned passive tracking apps before often find YNAB's structure is what actually changes spending behavior, rather than just displaying it after the fact.

Quicken Simplifi

Simplifi offers a clean, straightforward spending-plan view — money in versus money out — that will feel familiar to longtime Mint users. It's generally priced more affordably than some competitors, includes solid automatic income and bill detection, and benefits from Quicken's decades of history in personal finance software, which offers some reassurance around long-term stability after watching Mint disappear.

Empower

Empower's core budgeting and net worth tracking tools are free to use, funded instead through its separate wealth-management advisory services. For former Mint users whose money is concentrated more in investments than day-to-day transaction tracking, Empower's dashboard for net worth and portfolio tracking across accounts is a strong fit. Its budgeting features are generally considered less detailed than dedicated budgeting-first apps like YNAB or Monarch.

Rocket Money

Rocket Money (formerly Truebill) built its post-Mint popularity around aggressive, effective subscription and recurring-bill detection — genuinely useful given how easy it is to lose track of subscriptions over time. It also offers broader budgeting features beyond just subscription tracking, making it a reasonable general-purpose option if unused subscriptions are your biggest concern.

Goodbudget

Goodbudget applies the envelope budgeting method (covered in our budgeting guide) in digital form, and offers a genuinely usable free tier, which makes it a solid choice for former Mint users who don't want another subscription. It supports shared access for couples budgeting together as well.

What About Credit Karma?

Since Credit Karma is where Intuit officially redirected Mint users, it's worth being clear about what it actually is: a credit-monitoring and financial-product marketplace app, not a budgeting tool. It does include some basic transaction viewing, but nowhere near the categorized spending breakdowns or budget tracking Mint offered. If credit monitoring is genuinely useful to you, Credit Karma serves that purpose well — it just isn't a Mint replacement for budgeting.

Migrating Your Data

If you exported your Mint transaction history as a CSV file before the shutdown, most modern budgeting apps can import that file to preserve at least some historical record. If you didn't export before the shutdown, that historical data is generally not recoverable — going forward, most alternatives can pull 90 days to two years of transaction history directly from your linked bank accounts once you connect them, which at least rebuilds recent spending patterns even without the older history.

How to Actually Switch Without Losing Momentum

Pick one app and commit to a full month before judging it. Switching between two or three "just to compare" tends to result in incomplete data in all of them and no real sense of which one actually works for your habits.
Link your primary accounts first, then add secondary accounts (savings, credit cards, investment accounts) over the following week rather than all at once — this makes it easier to catch and fix any sync issues without feeling overwhelmed.
Rebuild your budget categories from scratch rather than trying to exactly replicate your old Mint categories. Most people's spending categories have drifted since they originally set them up years ago, and a switch is a natural opportunity to simplify.
Set a recurring reminder to review the app weekly for the first month, since automatic categorization in any new app typically needs some manual correction before it "learns" your specific spending patterns.

Free vs. Paid: Is It Worth Paying for a Mint Replacement?

Mint conditioned an entire generation of budgeters to expect bank-linked budgeting for free, which makes paying a monthly or annual fee for a replacement feel like a step backward. It's worth reframing the comparison: Mint's "free" access came at the cost of your spending data powering targeted financial advertising within the app — a cost that was real, just not paid in dollars. A modest annual subscription to an app like Simplifi or Monarch is a direct trade of money for a product that isn't also trying to monetize your data through advertising. Whether that trade is worth it depends on how much you value that distinction, and how much daily use you'll actually get out of the tool — for most people who budget regularly, the annual cost works out to less than the price of a single dinner out per month.

The Broader Lesson: Free Isn't Always Free

The Mint shutdown is a useful reminder that a "free" app connected to your bank accounts is typically monetized somehow — often through data-driven advertising or financial product recommendations — and that model can change or disappear without much notice. This doesn't mean every free budgeting tool is risky, but it's worth understanding how a free app you're trusting with financial data actually makes money before relying on it as your primary system for years. See our full guide to free budgeting apps for more on evaluating this.

Frequently Asked Questions

When exactly did Mint shut down?

Intuit officially shut down Mint on March 23, 2024, after operating it for roughly 17 years. Existing users were redirected to Credit Karma, another Intuit-owned product.

Is there a truly free app that replicates everything Mint did?

Not exactly — no single current app matches Mint's full free feature set (bank aggregation, budgeting, bill tracking, credit score, and net worth tracking) at the same no-cost price point. Some individual pieces have strong free options (Empower for net worth tracking, Goodbudget's free tier for envelope budgeting), but replicating everything Mint offered generally now requires either a paid subscription or combining more than one tool.

Can I get my old Mint data back?

If you exported your transaction history as a CSV before the shutdown was completed, you likely still have that file and can import it into most modern budgeting apps. If you didn't export before the shutdown, that historical data is generally considered permanently lost.

Which Mint alternative is best for couples?

Monarch Money is frequently highlighted specifically for its shared-household support, allowing two people to access a joint budget with separate individual logins. Goodbudget also supports shared access and can work well for couples using the envelope budgeting method.

Where to Go Next

Related guides on ClearCents:

Pick Based on the Feature You'll Actually Use

Don't try to find a perfect one-to-one Mint replacement — it doesn't exist at the same price point anymore. Instead, identify the one or two Mint features you actually relied on daily (categorized spending, net worth tracking, bill detection, shared budgeting with a partner) and choose the app built specifically around that strength, using the comparison table above as your starting filter.

Want a deeper look at free options first? Our complete guide to free budgeting apps breaks down the broader landscape beyond just Mint replacements.