9 Best Mint Alternatives in 2026 (After the Shutdown)

Disclosure: Some links in this post are affiliate links. We may earn a commission if you sign up through them, at no extra cost to you. We only recommend tools we'd genuinely use ourselves.

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Mint shut down on March 23, 2024.

If you missed the official announcement, here's what happened: Intuit, Mint's parent company, decided to fold the app into Credit Karma rather than maintain two separate platforms. Millions of users got a notification telling them to migrate their data. Most did. And then they discovered that Credit Karma's version of "budgeting and net worth tracking" was... not quite what they had before.

Two years later, a surprising number of people still haven't landed on a real replacement.

If you're one of them, this post is for you. We've tested each of these apps ourselves and laid out exactly what they're good at and where they fall short. No fluff, no rankings-for-rankings-sake.

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What Made Mint Worth Mourning

Before we get into the alternatives, it's worth acknowledging what made Mint genuinely great.

It was free. Not "free with a 30-day trial." Actually free, permanently, for over a decade.

It connected everything. Banks, credit cards, investment accounts, loans, mortgages. You'd link your accounts once and Mint would pull everything into a single dashboard. That kind of all-in-one aggregation was rare in 2009 when Mint launched, and even by 2024 it was still better than most paid competitors at just staying connected.

It did budgeting and net worth in one place. You could see your monthly spending broken down by category AND watch your overall wealth trend over time. That combination is harder to find than you'd think.

Mint wasn't perfect. Transaction categorization was inconsistent. The ads got aggressive over time. Customer support was minimal. But the core promise — free, connected, comprehensive — delivered for a long time. Its loss is real.

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How We Evaluated These Apps

We looked at six factors when reviewing each alternative:

• Features: Account aggregation, budgeting tools, net worth tracking, investment analysis
• Pricing: Total cost, what's free vs. gated, annual vs. monthly
• Ease of use: Setup time, sync reliability, mobile vs. desktop experience
• Net worth tracking depth: How well the app handles complex portfolios, historical trends, custom assets
• AI capabilities: Automated insights, natural language queries, predictive analysis
• Security: Encryption standards, read-only access, certifications like SOC 2

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The 9 Best Mint Alternatives in 2026

1. Nova — Best for Dedicated Net Worth Tracking

Price: $9.99/month | 14-day free trial

We're going to be upfront: Nova is the app we built. We're including it here because it genuinely is the strongest option for people whose primary goal is tracking net worth over time. But we'll also be straight about what it's not.

Nova is not a budgeting app. There's no zero-based budgeting framework, no envelope system, no category spending goals. If you want to replace Mint's budgeting features specifically, scroll down to YNAB or Monarch Money.

What Nova does exceptionally well: it gives you a complete, real-time picture of your financial position. Connect your accounts once and Nova tracks every asset and liability across 12,000+ financial institutions. It supports multi-currency portfolios for anyone with international accounts, real estate holdings, or assets in multiple countries.

The AI layer is called Charlie. Ask Charlie questions like "Am I on track to hit $500,000 net worth by 40?" or "What's dragging down my net worth this quarter?" and you'll get a substantive answer backed by your actual data, not a generic tip article.

Security is SOC 2 certified with bank-level encryption and read-only connections. Nova cannot move your money.

The 14-day free trial lets you connect your accounts and see your actual net worth before paying anything.

Pros

• Deepest net worth tracking of any app on this list
• AI insights (Charlie) that actually understand your financial data
• 12,000+ connected institutions including international accounts
• Multi-currency support
• SOC 2 certified security
• Clean, fast mobile and desktop experience
• 14-day free trial

Cons

• Not a budgeting app (by design)
• $9.99/month is not free
• Relatively new compared to established players like Empower or YNAB
• No bill negotiation or subscription cancellation tools

Verdict

If your main frustration with Mint's death is losing a clean net worth tracker, [Nova][AFFILIATE_LINK_PLACEHOLDER:nova] is the direct replacement. If you primarily used Mint for monthly budget categories and spending limits, look at Monarch or YNAB instead.

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2. Empower — Best Free Option for Investors

Price: Free (wealth management upsell available)

Empower (formerly Personal Capital) has been around since 2009 and has always been one of the most capable free financial apps. Its core dashboard is genuinely excellent: you get net worth tracking, investment portfolio analysis, fee analyzers, and retirement planning tools without paying a subscription fee.

The catch is the business model. Empower is free because they use it to find leads for their wealth management advisory service. If you cross certain asset thresholds, expect calls from their advisors. The calls are persistent but polite, and you can opt out. Once you do, the tool remains free and functional.

Investment tracking is where Empower shines. The portfolio analysis goes deeper than almost any other free option. You can see your asset allocation across all accounts, benchmark against indexes, analyze internal fees, and run retirement projections. For someone with a significant brokerage or 401(k) balance, this is genuinely useful.

Net worth tracking is solid but not the focus. It handles real estate estimates via Zestimate integration and supports manual assets. It's less polished on the liability side compared to dedicated net worth trackers.

Pros

• Free (and actually useful, not just a lead magnet)
• Best-in-class investment portfolio analysis
• Retirement planning calculators
• Fee analyzer is unique and valuable
• Established and stable platform

Cons

• Advisory upsells get pushy if your assets pass certain thresholds
• Net worth tracking is functional but not deep
• Not a budgeting app (limited spending category tools)
• UI feels dated compared to newer competitors
• No AI insights layer

Verdict

[Empower][AFFILIATE_LINK_PLACEHOLDER:empower] is the best free Mint alternative if you have significant investments and want to see them analyzed properly. Not ideal as a budgeting replacement.

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3. Monarch Money — Best for Couples

Price: $14.99/month or $99/year

Monarch Money launched in 2021 and quickly became the go-to recommendation for ex-Mint users who wanted a clean, modern budgeting experience without ads. It does exactly what Mint did but better, and the focus on couples and household finances is a genuine differentiator.

Both partners get full access under one subscription. You can share budgets, track shared accounts, and each see the same financial picture without one person having to screenshot and text the other. For couples managing finances together, this matters.

The interface is the best-looking on this list. Monarch's team cares about design. Transactions sync reliably, categories are accurate more often than not, and the customization options are deep without being overwhelming.

Net worth tracking is included and solid, with good historical charting. It's not the app's primary focus, but it handles it well. No ads. No upsells. The subscription is the product.

Pros

• No ads, ever
• Best interface design on this list
• Excellent shared household budgeting for couples
• Reliable account sync
• Good net worth tracking with historical data
• Both monthly and annual pricing

Cons

• $14.99/month is one of the pricier options
• Annual plan ($99) is a better deal if you're committed
• Newer platform, smaller track record than Empower or YNAB
• AI features are basic compared to Nova or dedicated AI tools
• Not optimized for complex investment portfolios

Verdict

[Monarch Money][AFFILIATE_LINK_PLACEHOLDER:monarch_money] is the best direct Mint replacement for anyone who wants budgeting + net worth in one place, especially for couples. If price is no object and clean design matters, this is your app.

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4. YNAB — Best for Zero-Based Budgeting Discipline

Price: $14.99/month or $109/year (34-day free trial)

YNAB (You Need A Budget) is a different philosophy from Mint. Mint was passive: connect your accounts and watch what you spent. YNAB is active: every dollar you have must be assigned to a job before you spend it. That's zero-based budgeting.

If you read that and felt either excited or exhausted, you've identified whether YNAB is for you.

The learning curve is real. Most new users take two to four weeks to genuinely understand the system. YNAB offers good tutorials, an active community, and live workshops to help, but the commitment required is non-trivial. Users who stick with it tend to be evangelical about it. Users who give up say they felt like they were doing homework.

Net worth tracking in YNAB is minimal. The focus is purely on cash flow and budget categories. If you want to watch your investments grow or see your total assets vs. liabilities over time, YNAB is the wrong tool.

Where YNAB is unmatched: if you want to actually change your spending behavior, break the paycheck-to-paycheck cycle, or pay down debt aggressively, no other app on this list provides the structure YNAB does.

Pros

• The best framework for genuine spending behavior change
• Active, supportive user community
• Excellent tutorials and live workshops
• 34-day free trial (longer than most)
• Works for irregular income and freelancers

Cons

• Steep learning curve, requires consistent engagement
• Net worth tracking is not a focus
• $109/year is an investment, not a casual purchase
• No investment portfolio analysis
• Feels like work if you're not committed to the method

Verdict

[YNAB][AFFILIATE_LINK_PLACEHOLDER:ynab] is the right choice if Mint's budgeting tools were changing your actual behavior and you want something more rigorous. It's the wrong choice if you just want to see where you stand financially with minimal effort.

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5. Rocket Money — Best for Subscription Management

Price: Free basic / Premium $4-$12/month (you choose)

Rocket Money (formerly Truebill) started as a subscription cancellation service and built a personal finance app around that core feature. If you have a subscription management problem — and most people do, given how many free trials turn into forgotten charges — Rocket Money earns its keep.

The bill negotiation feature is legitimately useful. Rocket Money's team will negotiate lower rates on cable, internet, and phone bills on your behalf, taking a percentage of the savings as their fee. Results vary, but it's found money you'd otherwise leave on the table.

Budgeting and net worth tracking are included but feel secondary. The interface is clean enough. Account sync works. The spending categorization is fine. But neither the depth nor the design matches Monarch or Nova in their respective strengths.

The pricing model is unusual: premium users choose their own price between $4 and $12/month. Framing this as generosity obscures that $4/month is still $48/year for features that are free elsewhere. The bill negotiation savings can easily outweigh that cost, though.

Pros

• Subscription tracking and cancellation tools
• Bill negotiation service (real savings are possible)
• Solid free tier for basic budgeting
• Clean mobile experience
• Net worth tracking included

Cons

• Core features feel built around the subscription product, not financial planning
• Bill negotiation charges a percentage of savings
• Premium pricing model is a bit gimmicky
• Net worth tracking lacks depth
• Less polished than Monarch for household budgeting

Verdict

[Rocket Money][AFFILIATE_LINK_PLACEHOLDER:rocket_money] is worth trying free if you suspect you're bleeding money on forgotten subscriptions. As a primary Mint replacement for budgeting, it's functional but not the strongest option.

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6. Quicken Simplifi — Best Budget Option

Price: $3.99/month (billed annually at ~$47.88/year)

Quicken has been around since 1983. Simplifi is their attempt to build a modern, mobile-first version of that brand for people who don't want the complexity of the full Quicken desktop software. At $3.99/month, it's the most affordable paid option on this list.

The features are genuinely solid for the price: account aggregation, spending reports, budget tracking, net worth overview, and savings goal tracking. The reporting is better than most competitors, which makes sense given Quicken's history. If you want to analyze spending trends over multiple years, Simplifi's reports are strong.

The mobile app is where it lives. Desktop works, but Simplifi was clearly designed for phone-first use. That's fine for most people. The interface is clean and accessible.

Net worth tracking is included but not deep. It gives you a snapshot and basic trending. For detailed asset tracking and portfolio analysis, you'll want something else.

At $3.99/month, it's hard to complain too loudly about limitations. This is a lot of app for the price.

Pros

• Best price-to-feature ratio on this list
• Strong historical spending reports
• Clean mobile-first interface
• Savings goal tracking
• Quicken's long track record on financial data
• Annual pricing makes the monthly cost reasonable

Cons

• Net worth tracking is surface-level
• Less polished UI than Monarch or Copilot
• No AI insights
• Desktop experience feels secondary
• Annual billing required to get the best price

Verdict

[Quicken Simplifi][AFFILIATE_LINK_PLACEHOLDER:quicken_simplifi] is the smart choice for cost-conscious users who want a capable, reliable budgeting app without paying $14.99/month. Not the right pick if net worth tracking depth is your priority.

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7. Copilot — Best iOS Experience

Price: $14.99/month or $95.88/year

Copilot is the most beautiful personal finance app available — and it is Apple-only. iPhone and Mac. No Android, no web app. If you're an Android user, skip this one.

If you're in the Apple ecosystem, Copilot is worth serious consideration. The design is exceptional. Transaction categorization uses machine learning and gets better over time as you correct it. The investment tracking goes deeper than most budgeting apps. The overall experience feels premium in a way that Mint never did.

Budgeting is solid: spending categories, budget tracking, net worth summary, and good historical charts. The Apple Watch integration is a nice touch if you're wearing one.

The ecosystem restriction is a real limitation. Copilot has made the deliberate choice to be iOS-first and hasn't built a web or Android version. If your household has mixed devices (one person on iPhone, one on Android), Copilot won't work. For families or couples with Android users, Monarch is a better fit.

Pros

• Best design of any app on this list
• Machine learning transaction categorization that improves over time
• Strong investment tracking
• Apple Watch integration
• Privacy-focused approach (no financial product ads)
• Active development team, frequent updates

Cons

• Apple-only: no Android, no web version
• Same price as Monarch Money but less flexible on platforms
• Net worth tracking is good but not the core focus
• Newer platform, smaller track record
• No bill negotiation or subscription management tools

Verdict

[Copilot][AFFILIATE_LINK_PLACEHOLDER:copilot] is the best option for Apple-only households who prioritize design and a premium feel. If you're on Android or share finances with someone who is, look at Monarch instead.

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8. PocketGuard — Best for Simple Spending Guardrails

Price: Free tier / Plus at $7.99/month or $34.99/year

PocketGuard's core feature is the "In My Pocket" number: after accounting for bills, goals, and necessities, it tells you exactly how much you have available to spend today. That's the whole pitch. It's direct.

For people who don't want a complex budgeting system but want to avoid overspending, PocketGuard delivers clarity that other apps don't. The number is either there or it isn't. No endless category management required.

The free tier covers the basics: account connection, In My Pocket tracking, and bill management. The Plus tier ($7.99/month or $34.99/year) adds unlimited accounts, custom categories, pie charts, and export features.

Net worth tracking exists but is basic. PocketGuard is focused on day-to-day cash flow management, not long-term wealth building. You'll see your accounts and get a sense of your position, but there's no historical trending or investment analysis.

The interface is simpler than most competitors, which is the point. PocketGuard is for people who feel overwhelmed by Monarch's depth or YNAB's methodology.

Pros

• "In My Pocket" feature is genuinely useful for overspending prevention
• Simple, non-overwhelming interface
• Reasonable annual pricing ($34.99/year) for Plus tier
• Bill tracking included
• Good free tier for basic users

Cons

• Net worth tracking is minimal
• No investment analysis
• Less powerful than Monarch or YNAB for serious budgeters
• Free tier has account limits
• Design isn't as polished as Copilot or Monarch

Verdict

[PocketGuard][AFFILIATE_LINK_PLACEHOLDER:pocketguard] is right for people who used Mint mostly to avoid overspending and want a simple guardrail without financial homework. Not the right pick if you want depth.

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9. Credit Karma — Mint's Official Successor

Price: Free

This is technically the answer to "what happened to Mint." Intuit merged Mint's user accounts, historical data, and core features into Credit Karma. If you were a Mint user, your data was here.

The honest assessment: Credit Karma is a credit monitoring app that added some budgeting features, not the other way around. The net worth tracking that Mint offered has been significantly reduced. The focus is on credit scores, credit reports, and financial product recommendations that Credit Karma earns referral fees on.

The spending tracking exists. Account aggregation works. There's a basic net worth view. But the experience is clearly optimized for credit card and loan product referrals, not helping you build long-term wealth.

That said, it's free. If you need a zero-cost starting point and the credit monitoring features are useful to you, Credit Karma isn't useless. It's just not Mint.

Pros

• Free, with no subscription ever
• Credit score and credit report monitoring
• Account aggregation for basic tracking
• Large, stable platform
• Familiar if you migrated from Mint

Cons

• Net worth tracking is gutted compared to Mint
• Ad-heavy experience optimized for product referrals
• Not designed for wealth building
• Budgeting tools are secondary features, not the core
• No AI insights, no deep financial analysis

Verdict

[Credit Karma][AFFILIATE_LINK_PLACEHOLDER:credit_karma] makes sense if you need free credit monitoring and basic account overview. As a true Mint replacement for budgeting or net worth, it falls short. Most serious users will eventually outgrow it.

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Comparison Table

App	Price	Net Worth Tracking	AI Insights	Free Trial	Platforms
Nova	$9.99/mo	Deep	Yes (Charlie)	14 days	iOS, Android, Web
Empower	Free	Moderate	No	N/A	iOS, Android, Web
Monarch Money	$14.99/mo or $99/yr	Good	Basic	7 days	iOS, Android, Web
YNAB	$14.99/mo or $109/yr	Minimal	No	34 days	iOS, Android, Web
Rocket Money	Free / $4-12/mo	Basic	No	N/A	iOS, Android, Web
Quicken Simplifi	$3.99/mo	Basic	No	30 days	iOS, Android, Web
Copilot	$14.99/mo or $95.88/yr	Good	No	30 days	iOS, Mac only
PocketGuard	Free / $7.99/mo	Minimal	No	N/A	iOS, Android, Web
Credit Karma	Free	Minimal	No	N/A	iOS, Android, Web

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Which One Is Right for You?

Not sure where to start? Here's a quick-pick guide based on what matters most to you.

"I want the closest thing to what Mint was." Start with [Monarch Money][AFFILIATE_LINK_PLACEHOLDER:monarch_money]. It's the most complete replacement: budgeting plus net worth, clean interface, no ads, works for both solo users and couples.

"Net worth tracking is my priority, not budgeting." That's [Nova][AFFILIATE_LINK_PLACEHOLDER:nova]. It's built specifically for tracking and growing wealth over time. The AI layer (Charlie) makes it more than a balance sheet. If you want to understand your financial trajectory, Nova is the right tool. Read more: what is net worth and why track it.

"I just want something free." [Empower][AFFILIATE_LINK_PLACEHOLDER:empower] for investors, [Credit Karma][AFFILIATE_LINK_PLACEHOLDER:credit_karma] for the Mint migrant experience, or [PocketGuard's free tier][AFFILIATE_LINK_PLACEHOLDER:pocketguard] for simple spending guardrails.

"My partner and I manage money together." [Monarch Money][AFFILIATE_LINK_PLACEHOLDER:monarch_money] for shared budgeting, or [Nova][AFFILIATE_LINK_PLACEHOLDER:nova] if you're focused on building wealth together. See our guide on couples net worth tracking.

"I want to actually change my spending habits." [YNAB][AFFILIATE_LINK_PLACEHOLDER:ynab]. Nothing else forces the behavioral change YNAB does. But you have to be ready to engage with it.

"I'm on Apple everything and design matters." [Copilot][AFFILIATE_LINK_PLACEHOLDER:copilot] is the best-designed app on this list by a clear margin. Worth the price if you're committed to the Apple ecosystem.

"I keep forgetting I'm paying for stuff I don't use." [Rocket Money][AFFILIATE_LINK_PLACEHOLDER:rocket_money]. The subscription tracking and bill negotiation features are uniquely strong.

"I want good features on a tight budget." [Quicken Simplifi][AFFILIATE_LINK_PLACEHOLDER:quicken_simplifi] at $3.99/month gives you more than you'd expect for the price.

"I'm working toward financial independence / FIRE." [Nova][AFFILIATE_LINK_PLACEHOLDER:nova] for net worth tracking, [Empower][AFFILIATE_LINK_PLACEHOLDER:empower] for free investment analysis, and [YNAB][AFFILIATE_LINK_PLACEHOLDER:ynab] if you need aggressive cash flow discipline. More on this: FIRE net worth tracking.

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Migration Tips: Leaving Mint Behind

If you're finally making the switch, here's how to do it without losing your history.

Export your Mint data first. Even though Mint is shut down, if you have a Credit Karma account from the migration, you may still have access to some historical transaction data. Look for a CSV export option under account settings. Download everything you can.

Prioritize what matters to you:

• If you want historical transaction history for budgeting, that CSV export is gold. Monarch Money and YNAB can import CSV files, though the category mapping will need cleanup.
• If you care about net worth history specifically, manually record your net worth at a few key dates from memory or old bank statements. Most tracking apps let you enter historical data manually to seed your timeline.
• If you just want a clean start, that's fine too. Connect your accounts to your new app and let it start building history from today.

Give any new app 60 days before judging it. Account sync takes a few cycles to stabilize. Categorization gets more accurate as you correct it. The apps that feel rough in week one often feel natural by week eight.

Consider the budgeting vs. net worth tracking question. Mint tried to do both. Most of its successors specialize. Knowing which matters more to you will save you from trying five apps before landing on the right one.

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Keep Reading

• What Is Net Worth and Why Track It? — The basics, clearly explained
• Couples Net Worth Tracking: A Practical Guide — Managing finances together
• FIRE Net Worth Tracking — Tracking your path to financial independence
• Budgeting vs. Net Worth Tracking: What's the Difference? — Understanding what you actually need
• Nova vs. Mint — Direct feature comparison for ex-Mint users

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Affiliate disclosure: Some links in this post are affiliate links. If you sign up for a paid app through our links, we may receive a commission at no additional cost to you. This doesn't influence our recommendations. We'd only recommend tools we'd genuinely use ourselves — and for net worth tracking, Nova is what we use.