When Intuit shut down Mint in March 2024, millions of users lost the free budgeting app they had relied on for years. After Mint shut down, many people kept searching for the same effortless overview. Mint had been a household name for over a decade - simple, free, and good enough for many people to get a handle on their spending. If you're still searching for a Mint replacement or apps like Mint that fit how you actually manage money, you're in the right place.
This guide covers the best Mint alternatives in 2026, from no frills free options to premium apps with complex budget mechanics. Whether you want something that feels familiar to Mint or you're ready to try a different approach (like zero-based or envelope budgeting), we've included a mix of tools so you can find the right fit for your household and budget.
What Made Mint Popular
Mint earned its loyal following by solving a few problems well: it was free, it pulled in transactions from all your accounts automatically, and it gave you a clear picture of where your money was going without much effort. You didn't have to log in every day or manually enter purchases. You could check in when it suited you and still stay on top of your financial health.
A good Mint alternative should deliver on those same core needs. Here's what to look for:
- Account consolidation — Connect bank, credit card, and investment accounts in one place
- Automatic categorization — Transactions categorized without manual work, with the ability to make changes and create rules to keep your data clean
- Budget tracking — Set budgets by category with data-driven recommendations and track progress over time
- Recurring charge visibility — Monthly bill tracker to ensure you pay bills on time and subscription tracker to identify those you no longer use
- Reporting and insights — Charts, trends, and visualizations that show where your money goes over time to help you understand patterns and savings opportunities
Quick Comparison
The table below compares paid tiers and full-featured options across the top Mint alternatives. Prices reflect the subscription or premium tier that delivers reliable budgeting with account linking and automatic categorization. We omit "Free" when the free tier is too limited to serve as a viable replacement for Mint. Ratings are based on app store reviews, user feedback, and feature depth relative to each app's target audience.
| App | Best For | Price | Rating |
|---|---|---|---|
| Monarch Money | Robust budgeting mechanic options | $99.99/yr or $14.99/mth | 4.8 |
| YNAB (You Need A Budget) | Zero-based budgeting enthusiasts | $109/yr or $14.99/mth | 4.7 |
| BudgetBadger | Everyday households and couples | $49.99/yr or $6.99/mth | 4.8 |
| Quicken Simplifi | Quicken users wanting a simpler experience | $71.88/yr or $5.99/mth | 4.3 |
| Rocket Money | Subscription cancellation and credit monitoring | $7–$14/mth or $48–$60/yr | 4.4 |
| Pocketguard | Bill negotiation and savings automation | $74.99/yr or $12.99/mth | 3.9 |
| Actual Budget | Privacy-focused users and self-hosters | Free (open source) | 4.0 |
| Goodbudget | Envelope budgeting on a budget | $80/yr or $10/mth | 3.8 |
| Copilot | Mac and iOS users wanting a polished design | $95/yr or $13/mth | 4.3 |
| EveryDollar | Dave Ramsey fans and zero-based budgeting | $79.99/yr or $17.99/mth | 3.9 |
Monarch Money
Monarch Money is a popular choice among Mint refugees, offering robust account aggregation, net worth tracking, and investment monitoring. It supports shared households and provides a clean interface for viewing your complete financial picture.
| Pros | Cons |
|---|---|
|
|
Rating: 4.8 out of 5. Strong marks for net worth and investment tracking, with some users noting the learning curve for advanced features.
Pricing: $99.99/year or $14.99/month. One of the higher-cost options, but Monarch often runs promotions for new users.
Best for
High engagement users who want to utilize the most robust features and budgeting options.
YNAB (You Need A Budget)
YNAB pioneered zero-based budgeting with its "give every dollar a job" philosophy. It's beloved by users who want a structured approach to budgeting and are willing to invest time in learning the system.
| Pros | Cons |
|---|---|
|
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Rating: 4.7 out of 5. Consistently praised for methodology and community support, though the structure isn't for everyone.
Pricing: $109/year or $14.99/month. The highest annual price in this roundup, but the 34-day free trial lets you test the system before committing.
Best for
Zero-based budgeting enthusiasts who want a structured, rule-based approach to managing their money.
BudgetBadger
BudgetBadger is built for everyday households. It has an intuitive, step-by-step walkthrough for non-finance experts to quickly set up and automate your budgeting. Key features include robust categorization tools, a bill tracker and subscription manager, budget management with flexible controls, and household sharing for couples and families.
| Pros | Cons |
|---|---|
|
|
Rating: 4.8 out of 5. Users appreciate the straightforward setup, intuitive features, and household sharing without the complexity of power-user tools.
Pricing: $49.99/year or $6.99/month. 14-day free trial, no credit card required. BudgetBadger offers the lowest annual cost among paid alternatives and the best overall value for the features it provides.
Best for
Everyday households and couples who want a straightforward way to track spending, manage budgets, and improve financial health without complexity.
Quicken Simplifi
Simplifi by Quicken offers a streamlined experience for users who want Quicken's reliability without the full features suite. It provides account aggregation, spending tracking, and simple budgeting tools.
| Pros | Cons |
|---|---|
|
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Rating: 4.3 out of 5. Solid for users who want Quicken reliability without the full product's complexity.
Pricing: $71.88/year or $5.99/month. Often runs a first-year discount (e.g., $2.99/month), making it one of the more affordable options.
Best for
Quicken users wanting a simpler experience or those who trust the Quicken brand.
Rocket Money
Rocket Money (formerly Truebill) combines budgeting with subscription management and credit monitoring. It's known for helping users cancel unwanted subscriptions and negotiate bills.
| Pros | Cons |
|---|---|
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Rating: 4.4 out of 5. Strong for subscription management and credit monitoring; budgeting is capable but less robust than dedicated budget apps.
Pricing: $48–$60/year or $7–$14/month (Premium; you choose your price). Free tier with subscription tracking and basic budgeting (2 custom budget categories), but not enough features for those serious about budgeting. 7-day Premium free trial.
Best for
Users who want subscription cancellation help and credit monitoring alongside basic budgeting.
Pocketguard
Pocketguard focuses on helping you "find" money you didn't know you had through bill negotiation, savings automation, and spending insights. It shows how much you have left to spend after bills and savings.
| Pros | Cons |
|---|---|
|
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Rating: 3.9 out of 5. The "In My Pocket" view is a standout; some users find the interface a bit too busy.
Pricing: $74.99/year or $12.99/month (Plus). Free tier limits you to 2–3 accounts and basic, which isn't enough for reliable full-household tracking. The Plus tier unlocks unlimited accounts and categories.
Best for
Users who want bill negotiation and savings automation alongside spending visibility.
Actual Budget
Actual Budget is a privacy-focused, open-source budgeting app that can be self-hosted. It offers envelope-style budgeting with a clean, simple interface and puts user privacy first.
| Pros | Cons |
|---|---|
|
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Rating: 4.0 out of 5. Privacy-focused users and self-hosters rate it highly; setup can be steep for non-technical users.
Pricing: Free (open source). Self-host at no cost, or use optional sync hosting (e.g., PikaPods) for a small fee. Bank sync via goCardless (EU/UK) or SimpleFIN (US/Canada) may have provider fees.
Best for
Privacy-focused users and self-hosters who prefer manual control over automatic aggregation.
Goodbudget
Goodbudget brings the envelope budgeting method to digital life. It offers a free tier with limited envelopes, making it accessible for those on a tight budget.
| Pros | Cons |
|---|---|
|
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Rating: 3.8 out of 5. Good for envelope budgeting basics; the free tier's 10-envelope limit and no bank sync make it impractical for full budgeting.
Pricing: $80/year or $10/month (Premium). Free tier (10 envelopes, 2 devices, no bank linking) is too limited for reliable budgeting; Premium unlocks unlimited envelopes and bank sync.
Best for
Envelope budgeting fans who want a simple, more affordable option than YNAB.
Copilot
Copilot is a beautifully designed app for Mac and iOS users. It offers a polished experience with strong account aggregation, investment tracking, and a focus on user experience. Copilot excels at investment tracking and net worth dashboards. It relies heavily on AI for categorization and includes polished reporting and analysis.
| Pros | Cons |
|---|---|
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Rating: 4.3 out of 5. Mac and iOS users consistently praise the design and UX; the Apple-only limitation is the main drawback. The limited categorization flexibility may deter some users as well.
Pricing: $95/year or $13/month. The annual plan saves about $61 versus paying monthly. 30-day free trial. No free tier.
Best for
Mac and iOS users who want a polished, well-designed app with strong investment tracking.
EveryDollar
EveryDollar is Dave Ramsey's budgeting app, built around the zero-based budgeting principles from his Financial Peace University. It's popular with his followers and those new to budgeting.
| Pros | Cons |
|---|---|
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Rating: 3.9 out of 5. Popular with Dave Ramsey followers and good adherence to his budgeting approach, though the feature set is more limited and less customizable than other platforms.
Pricing: $79.99/year or $17.99/month (Premium). Free tier requires manual transaction entry, so it's not viable for automatic budgeting. High price point for the provided features. Users are paying more for the brand and approach, not for the quality of the budgeting features.
Best for
Dave Ramsey fans and beginners who want zero-based budgeting with a free option.
How to Choose
The best Mint alternative isn't the one with the most features or the highest rating, it's the one that fits you. Your needs, your mindset, and how you actually want to engage with your money. Here's how to narrow it down.
How much time and energy are you willing to put in? If you want something intuitive and mostly automated, look at apps like BudgetBadger or Quicken Simplifi. They do the heavy lifting so you can stay informed without daily attention. If you're ready to get serious and engage regularly, YNAB and Monarch reward that commitment with more control and structure. Be honest with yourself: the app that works is the one you'll actually use.
What approach resonates with you? Zero-based and envelope budgeting ("every dollar has a job") appeals to people who like rules and clarity. YNAB and Goodbudget lean into that. If you prefer a more flexible, Mint-like view of spending by category with less rigidity, Monarch, BudgetBadger, or Simplifi may feel more natural. Your mindset matters: pick a philosophy that matches how you think about money, not one you think you should adopt.
Practical fit. Beyond philosophy, consider: Do you need household sharing for a partner or family? A bill tracker or subscription manager? Investment and net worth tracking, or just budgeting? Free vs. paid? These details matter, but they're secondary to time commitment and mindset. An app that checks every feature box but doesn't resonate will get abandoned; one that fits how you work will stick.
Try before you commit. Most apps offer free trials. Use them. If something feels off—too complex, too sparse, or just not clicking—move on. The right fit is out there.