The 5 best Mint alternatives to replace the budgeting app that shut down

As a long-time Mint consumer, I used to be pissed off to say the least when information broke on the finish of 2023 that Intuit would shut Mint down. I, like hundreds of thousands of others, loved how simply Mint allowed us to trace all accounts in a single place and monitor credit score scores. I additionally used it usually to trace spending, set targets like pay my mortgage down quicker and with normal cash administration.

So I got down to discover the very best Mint options within the wake of its disappointing demise. I gave Credit Karma, Intuit’s different monetary app, a strive however discovered it to be a poor Mint substitute. The next information lays out my expertise testing among the hottest Mint substitute apps out there right now searching for my subsequent budgeting app.

Our choose for greatest Mint different stays Quicken Simplifi, even months after the Mint shutting down, due to its simple to make use of app, good revenue and invoice detection and its reasonably priced value. However there are many different stable choices on the market for these with completely different wants. If you happen to’re additionally on the hunt for a budgeting app to exchange Mint, we hope these particulars might help you determine which of the best budgeting apps on the market might be best for you.

Desk of contents

Finest Mint options in 2025

Quicken

Month-to-month price: $4 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

A whole, easy-to-use app that prices lower than the competitors — and feels probably the most like Mint.

Execs

• Simple-to-use app with a mild studying curve
• Does an excellent job detecting recurring revenue and payments
• Cheaper than the competitors
• Helps you to share app entry with a partner or monetary advisor
• Helpful refund tracker

Cons

• No free trial
• You’ll be able to’t create an account utilizing your Apple or Google ID
• No Zillow integration

$72/year at Quicken

No pun supposed, however what I like about Quicken Simplifi is its simplicity. Whereas different budgeting apps attempt to distinguish themselves with darkish themes and customizable emoji, Simplifi has a clear consumer interface, with a touchdown web page that you simply simply maintain scrolling via to get an in depth overview of all of your stats. These embrace your top-line balances; internet value; current spending; upcoming recurring funds; a snapshot of your spending plan; prime spending classes; achievements; and any watchlists you’ve arrange.

One other one of many key options I respect is the power to arrange financial savings targets elsewhere within the app. I additionally respect the way it affords neat, nearly playful visualizations with out ever wanting cluttered. I felt at dwelling within the cell and internet dashboards after a day or so, which is quicker than I tailored to some competing providers (I’m you, YNAB and Monarch).

Getting arrange with Simplifi was principally painless. I used to be significantly impressed at how simply it related to Constancy; not all price range trackers do, for no matter motive. That is additionally one of many solely providers I examined that provides you the choice of inviting a partner or monetary advisor to co-manage your account. One factor I might add to my preliminary evaluation of the app, having used it for a couple of months now: I want Simplifi supplied Zillow integration for simply monitoring your house worth (or at the very least a tough estimate of it). Varied rivals together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API out there to be used. Because it stands, Simplifi customers should add actual property manually like every other asset.

In apply, Simplifi miscategorized a few of my bills, however nothing out of the atypical in comparison with any of those price range trackers. As you’re reviewing transactions, it’s also possible to mark in case you’re anticipating a refund, which is a singular function among the many providers I examined. Simplifi additionally estimated my common revenue higher than another apps I examined. Most of all, I appreciated the choice of with the ability to categorize some, however not all, purchases from a service provider as recurring. As an illustration, I can add my two Amazon subscribe-and-saves as recurring funds, with out having to create a broad-strokes rule for each Amazon buy.

The budgeting function can be self-explanatory and may seemingly accommodate your most popular budgeting methodology. Simply verify that your common revenue is correct and remember to arrange recurring funds, making observe of that are payments and that are subscriptions. That is essential as a result of Simplifi exhibits you your complete take-home revenue in addition to an “revenue after payments” determine. That quantity contains, properly, payments however not discretionary subscriptions. From there, you possibly can add spending targets by class within the “deliberate spending” bucket. Deliberate spending can even embrace one-time expenditures, not simply month-to-month budgets. If you create a price range, Simplifi will recommend a quantity primarily based on a six-month common.

Not dealbreakers, however two issues to remember as you get began: Simplifi is notable in you can’t arrange an account via Apple or Google. There may be additionally no possibility for a free trial, although Quicken guarantees a “30-day a refund assure.”

Monarch Cash

Month-to-month price: Begins at $9 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

A strong budgeting app that’s a little bit more durable to make use of than our prime choose, however not prohibitively so. (Energy customers may not thoughts.)

Execs

• A lot of element and alternatives for personalization
• Useful “targets” function
• You’ll be able to grant account entry to different individuals
• Chrome extension for importing from Mint
• Month-in-review recap is extra thorough than most
• Automotive worth syncing
• Zillow integration

Cons

• Steeper studying curve than another price range trackers
• The cell app feels restricted and fewer intuitive than the net model
• Doesn’t appear to differentiate between payments and different recurring bills
• Some bugginess on cell round creating guidelines for expense classes

$100 a year or $15 a month at Monarch Money

Monarch Money grew on me. My first impression of the budgeting app, which was based by a former Mint product supervisor, was that it is tougher to make use of than others on this record, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing expense classes, including recurring transactions and creating guidelines, for instance, is a bit more sophisticated than it must be, particularly within the cell app. (My recommendation: Use the net app for fine-tuning particulars.) Monarch additionally didn’t get my revenue proper; I needed to edit it.

When you’re arrange, although, Monarch affords a formidable degree of granularity. Within the budgets part, you possibly can see a bona fide steadiness sheet displaying budgets and actuals for every class. You will additionally discover a forecast, for the yr or by month. And recurring bills will be set not simply by service provider, however different parameters as properly. As an illustration, whereas most Amazon purchases is likely to be marked as “buying,” these for the quantities of $54.18 or $34.18 are undoubtedly child provides, and will be mechanically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no method to mark sure recurring funds as payments, particularly.

Not lengthy after I first revealed this story in December 2023, Monarch introduced an in depth reporting part the place you possibly can create on-demand graphs primarily based on issues like accounts, classes and tags. That function is out there simply on the internet model of the app for now. As a part of this similar replace, Monarch added help for an aggregator that makes it attainable to mechanically replace the worth of your automobile. This, mixed with the prevailing Zillow integration for monitoring your house worth, makes it simple to shortly add a non-liquid asset like a automobile or actual property, and have it present up in your internet value graph.

The cell app is generally self-explanatory. The principle dashboard exhibits your internet value; your 4 most up-to-date transactions; a month-over-month spending comparability; revenue month-to-date; upcoming payments; an investments snapshot; a listing of any targets you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money circulate; prime revenue and expense classes; money circulate developments; adjustments to your internet value, belongings and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that in case you click on on the Accounts tab you possibly can see how your internet value modified over completely different intervals of time, together with one month, three months, six months, a yr or all time.

On the principle display, you’ll additionally discover tabs for financial savings and checking accounts (and all others as properly), transactions, money circulate, price range and recurring. Like most of the different apps featured right here, Monarch can auto-detect recurring bills and revenue, even when it will get the class mistaken. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll customise in case you’re so inclined.

Monarch Cash makes use of a mix of networks to attach with banks, together with Plaid, MX and Finicity, a competing community owned by Mastercard. (I’ve a fast explainer on Plaid, the business normal on this area, towards the tip of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach via these different two networks, if for some motive Plaid fails. Much like NerdWallet, I discovered myself finishing two-factor authentication each time I wished to get previous the Plaid display so as to add one other account. Notably, Monarch is the one different app I examined that permits you to grant entry to another person in your loved ones — seemingly a partner or monetary advisor. Monarch additionally has a Chrome extension for importing from Mint, although actually that is only a shortcut for downloading a CSV file, which you’ll must do no matter the place you select to take your Mint information.

Moreover, Monarch simply added the power to trace Apple Card, Apple Money, and Financial savings accounts, due to new performance introduced with the iOS 17.4 replace. It isn’t the one one both; at present, Copilot and YNAB have additionally added related performance that might be out there to anybody with the newest variations of their respective apps on a tool working iOS 17.4. As a substitute of manually importing statements, the brand new performance permits apps like Monarch’s to mechanically pull in transactions and steadiness historical past. That ought to make it simpler to account for spending on Apple playing cards and accounts all through the month.

Monarch additionally just lately launched funding transactions in beta. It additionally says invoice monitoring and an overhauled targets system are coming quickly. Monarch hasn’t offered a timeline for that final one, besides to say that the improved targets function is coming quickly.

Copilot Cash

Month-to-month price: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS

A superbly designed and fairly priced app with a lot of options in improvement — together with Android and internet apps.

Execs

• Slick UI
• Standalone Mac app
• Decrease month-to-month value than some competing apps
• Does an excellent job visualizing recurring bills
• Optionally available Amazon, Venmo and Zillow integration
• “To evaluate” part is helpful

Cons

• No internet or Android app but
• Miscategorized extra bills than our prime choose
• A lot of in any other case widespread options are nonetheless in improvement

$95 a year or $13 a month at Copilot Money

Copilot Money is likely to be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — at the very least for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and internet apps are coming quickly. However till it follows via, I can’t suggest Copilot for most individuals with so many good rivals on the market.

There are different options that Copilot is lacking, which I’ll get into. However it’s promising, and one to regulate. It’s only a quick, environment friendly, properly designed app, and Android customers might be in for a deal with once they’ll lastly be capable to obtain it. It makes good use of colours, emoji and graphs that will help you perceive at a look the way you’re doing on all the things out of your budgets to your funding efficiency to your bank card debt over time. Specifically, Copilot does a greater job than nearly every other app of visualizing your recurring month-to-month bills.

Behind these punchy colours and cutesy emoji, although, is a few refined efficiency. Copilot’s AI-powered “Intelligence” will get smarter as you go at categorizing your bills. (You can too add your individual classes, full along with your alternative of emoji.) It’s not excellent. Copilot miscategorized some purchases (all of them do), but it surely makes it simpler to edit than most. On prime of that, the inner search function may be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

Copilot can be distinctive in providing Amazon and Venmo integrations, permitting you to see transaction particulars. With Amazon, this requires simply signing into your Amazon account through an in-app browser. For Venmo, it’s a must to arrange fwd@copilot.cash as a forwarding tackle after which create a filter, whereby emails from venmo@venmo.com are mechanically forwarded to fwd@copilot.cash. Like Monarch Cash, it’s also possible to add any property you personal and monitor its worth via Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless respect that Copilot marks new transactions for evaluate. It’s a great way to each weed out fraudulent expenses, and in addition be considerably intentional about your spending habits.

Like Monarch Cash, Copilot up to date its app to make it simpler to connect with banks via networks aside from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Specific and Constancy which, once more, could be a bugbear for some price range monitoring apps. In an much more current replace, Copilot added a Mint import possibility, which different budgeting apps have begun to supply as properly.

As a result of the app is comparatively new (it launched in early 2020), the corporate remains to be catching as much as the competitors on some table-stakes options. Ugarte instructed me that his workforce is nearly carried out constructing out an in depth money circulate part as properly. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its sensible expense categorization. These embrace “sensible monetary targets,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to present individuals a way of how they’re doing in comparison with different Copilot customers, on each spending and funding efficiency. Most of those options ought to arrive within the new yr.

Copilot does a pair attention-grabbing issues for brand new prospects that distinguish it from the competitors. There’s a “demo mode” that looks like a sport simulator; no want so as to add your individual accounts. The corporate can be providing two free months with RIPMINT — a extra beneficiant introductory provide than most. When it lastly does come time to pony up, the $7.92 month-to-month plan is cheaper than some competing apps, though the $95-a-year-option is in the identical ballpark.

NerdWallet

Month-to-month price: $0 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

The perfect free price range monitoring app you may get (and there aren’t many compromises moreover the ever-present adverts).

Execs

• Free
• Simple to make use of
• Useful weekly insights
• NerdWallet has a deep properly of useful monetary explainers and guides
• One of many few choices that gives credit score rating monitoring

Cons

• Advertisements in every single place
• No customization for spending classes
• Much less adept at detecting common revenue
• One of many extra tedious setup processes

Free at NerdWallet

You might know NerdWallet as a website that gives a mixture of private finance information, explainers and guides. I see it typically after I google a monetary time period I don’t know and positive sufficient, it’s one of many websites I’m almost certainly to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. The truth is, there isn’t a paid model; nothing is locked behind a paywall. The principle catch: There are adverts in every single place. To be truthful, the free model of Mint was like this, too.

Even with the inescapable bank card affords, NerdWallet has a clear, easy-to-understand consumer interface, which incorporates each an internet and a cell app. The important thing metrics that it highlights most prominently are your money circulate, internet value and credit score rating. (Of observe, though Mint itself supplied credit score rating monitoring, most of its rivals don’t.) I significantly loved the weekly insights, which delve into issues like the place you spent probably the most cash or how a lot you paid in charges — and the way that compares to the earlier month. As a result of that is NerdWallet, an encyclopedia of economic information, you get some significantly particular class choices when establishing your accounts (suppose: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit fundamental. Like different apps I examined, you possibly can arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your price range towards stuff you want, 30% towards stuff you need, and the remaining 20% into financial savings or debt repayments. If this works for you, nice — simply know you can’t customise your price range to the identical diploma as some competing apps. You’ll be able to’t at present create customized spending classes, although a observe contained in the dashboard part of the app says “you’ll be capable to customise them sooner or later.” You can also’t transfer objects from the needs column to “wants” or vice versa however “Sooner or later, you can transfer particular transactions to actively handle what falls into every group.” A NerdWallet spokesperson declined to offer an ETA, although.

Lastly, it’s value noting that NerdWallet had one of the crucial onerous setup processes of any app I examined. I don’t suppose it is a dealbreaker, as you’ll solely must do it as soon as and, hopefully, you aren’t establishing six or seven apps in tandem as I used to be. What made NerdWallet’s onboarding particularly tedious is that each time I wished so as to add an account, I needed to undergo a two-factor authentication course of to even get previous the Plaid splash display, and that’s not together with the 2FA I had arrange at every of my banks. It is a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is without doubt one of the solely price range trackers to supply credit score rating monitoring, it additionally wants extra of your private information throughout setup, together with your birthday, tackle, telephone quantity and the final 4 digits of your social safety quantity. It’s the identical with Credit score Karma, which additionally does credit score rating monitoring.

Associated to the setup course of, I discovered that NerdWallet was much less adept than different apps at mechanically detecting my common revenue. In my case, it counted a big one-time wire switch as revenue, at which level my solely different possibility was to enter my revenue manually (which is barely annoying as a result of I might have wanted my pay stub helpful to double-check my take-home pay).

YNAB

Month-to-month price: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

An app with a cult following that promotes a special, extra hands-on method to budgeting. Not for individuals who desire a set-and-forget expertise.

Execs

• Notably sturdy emphasis on budgeting
• Distinctive “zero-dollar” method to monetary planning that some individuals swear by

Cons

• Steep studying curve
• Tougher to make use of sure options on the cell app than on the internet

$110 a year or $15 a month at YNAB

YNAB is, by its own admission, “completely different from something you’ve tried earlier than.” The app, whose title is brief for You Want a Funds, promotes a so-called zero-based budgeting system, which forces you to assign a function for each greenback you earn. A ceaselessly used analogy is to place every greenback in an envelope; you possibly can all the time transfer cash from one envelope to a different in a pinch. These envelopes can embrace lease and utilities, together with unexpected bills like vacation presents and the inevitable automobile restore. The thought is that in case you price range a certain quantity for the unknowns every month, they received’t really feel like they’re sneaking up on you.

Importantly, YNAB is barely involved with the cash you may have in your accounts now. The app doesn’t ask you to offer your take-home revenue or arrange recurring revenue funds (though there’s a means to do that). The cash you’ll make later within the month via your salaried job is just not related, as a result of YNAB doesn’t interact in forecasting.

The app is more durable to study than every other right here, and it requires extra ongoing effort from the consumer. And YNAB is aware of that. Inside each the cell and internet apps are hyperlinks to movies and different tutorials. Though I by no means fairly received snug with the consumer interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new price range every month and to evaluate every transaction is just not essentially a nasty factor. As YNAB says on its web site, “Positive, you’ve received pie charts displaying that you simply spent an obscene sum of money in eating places — however you’ve nonetheless spent an obscene sum of money in eating places.” I can see this method being helpful for individuals who don’t are inclined to have quite a lot of money in reserve at a given time, or who’ve spending habits they wish to right (to riff off of YNAB’s personal instance, ordering Seamless 4 instances per week).

My colleague Valentina Palladino, realizing I used to be engaged on this information, penned a respectful rebuttal, explaining why she’s been utilizing YNAB for years. Maybe, like her, you may have main financial savings targets you wish to obtain, whether or not it’s paying for a marriage or shopping for a home. I recommend you give her column a learn. For me, although, YNAB’s method looks like overkill.

Different Mint options we examined

PocketGuard

PocketGuard was once a stable free price range tracker, however the firm has since restricted its “free” model to only a free seven-day trial. Now, you’ll have to decide on between two plans as soon as the trial is over: a $13 month-to-month plan or a $75 annual plan. Once I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless an honest possibility. The principle overview display exhibits you your internet value, complete belongings and money owed; internet revenue and complete spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you may have; and any targets. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter all your recurring payments, after which PocketGuard exhibits you what’s left, and that’s what you’re speculated to be budgeting: your disposable revenue.

Though PocketGuard’s UI is simple sufficient to grasp, it lacks polish. The “accounts” tab is a little bit busy, and doesn’t present totals for classes like money or investments. Seemingly small particulars like weirdly phrased or punctuated copy sometimes make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates have been out there. The net model, in the meantime, feels just like the cell app blown as much as a bigger format and doesn’t make the most of the additional display actual property. Finally, now that the free tier is gone, it simply doesn’t current the identical worth proposition because it as soon as did.

What’s Plaid and the way does it work?

Every of the apps I examined makes use of the identical underlying community, referred to as Plaid, to drag in monetary information, so it’s value explaining in its personal part what it’s and the way it works. Plaid was based as a fintech startup in 2013 and is right now the business normal in connecting banks with third-party apps. Plaid works with over 12,000 monetary establishments throughout the US, Canada and Europe. Moreover, greater than 8,000 third-party apps and providers depend on Plaid, the company claims.

To be clear, you don’t want a devoted Plaid app to make use of it; the expertise is baked into a big selection of apps, together with the price range trackers I examined for this information. As soon as you discover the “add an account” possibility in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search discipline you need to use to look yours up immediately. As soon as you discover yours, you’ll be prompted to enter your login credentials. In case you have two-factor authentication arrange, you’ll have to enter a one-time passcode as properly.

Because the intermediary, Plaid is a passthrough for data that will embrace your account balances, transaction historical past, account sort and routing or account quantity. Plaid makes use of encryption, and says it has a coverage of not promoting or renting buyer information to different firms. Nevertheless, I might not be doing my job if I didn’t observe that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for amassing “extra monetary information than was wanted.” As a part of the settlement, Plaid was compelled to vary a few of its enterprise practices.

In an announcement offered to Engadget, a Plaid spokesperson stated the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are targeted on us accelerating workstreams already underway associated to giving individuals extra transparency into Plaid’s function in connecting their accounts, and making certain that our workstreams round information minimization stay on monitor.”

Tips on how to import your monetary information from the Mint app

Mint customers ought to contemplate getting their information able to migrate to their new budgeting app of alternative quickly. Sadly, importing information from Mint is just not as simple as getting into your credentials from inside your new app and hitting “import.” The truth is, any app that advertises the power to port over your stats from Mint is simply going to have you ever add a CSV file of transactions and different information.

To obtain a CSV file from Mint, do the next:

1. Signal into Mint.com and hit Transactions within the menu on the left aspect of the display.

2. Choose an account, or all accounts.

3. Scroll down and search for “export [number] transactions” in smaller print.

4. Your CSV file ought to start downloading.

Word: Downloading on a per-account foundation might sound extra annoying, however may show you how to get arrange on the opposite aspect, if the app you’re utilizing has you importing transactions one-for-one into their corresponding accounts.

How we examined Mint options

Earlier than I dove into the world of budgeting apps, I had to do a little analysis. To discover a record of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn opinions of common apps on the App Retailer; and in addition requested associates and colleagues what price range monitoring apps they is likely to be utilizing. A few of the apps I discovered have been free, identical to Mint. These, in fact, present a great deal of adverts (excuse me, “affords”) to remain in enterprise. However many of the out there apps require paid subscriptions, with costs usually topping out round $100 a yr, or $15 a month. (Spoiler: My prime choose is cheaper than that.)

Since this information is supposed to assist Mint customers discover a everlasting substitute, any providers I selected to check wanted to do a number of issues: import all your account information into one place; provide budgeting instruments; and monitor your spending, internet value and credit score rating. Besides the place famous, all of those apps can be found for iOS, Android and on the internet.

As soon as I had my shortlist of six apps, I started working setting them up. For the sake of totally testing these apps (and bear in mind, I actually was searching for a Mint alternative myself), I made some extent of including each account to each budgeting app, regardless of how small or immaterial the steadiness. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of getting into passwords and one-time passcodes, for a similar banks half a dozen instances over. Hopefully, you solely have to do that as soon as.

What about Rocket Cash?

Rocket Money is one other free monetary app that tracks spending and helps issues like steadiness alerts and account linking. If you happen to pay for the premium tier, the service can even show you how to cancel undesirable subscriptions. We didn’t take a look at it for this information, however we’ll contemplate it in future updates.