The perfect Mint alternate options

As a long-time Mint person, I used to be annoyed to say the least when information broke on the finish of 2023 that Intuit would shut Mint down. I, like thousands and 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 frequently to trace spending, set objectives like pay my mortgage down sooner and with normal cash administration.

So I got down to discover the very best Mint alternate options within the wake of its disappointing demise. I gave Credit Karma, Intuit’s different monetary app, a attempt however discovered it to be a poor Mint substitute. The next information lays out my expertise testing among the hottest Mint substitute apps obtainable as we speak seeking my subsequent budgeting app.

Our decide for greatest Mint various stays Quicken Simplifi, even lengthy after Mint shutting down, due to its simple to make use of app, good revenue and invoice detection and its inexpensive worth. However there are many different stable choices on the market for these with totally different wants. If you happen to’re additionally on the hunt for a budgeting app to exchange Mint, we hope these particulars may also help you resolve which of the best budgeting apps on the market will probably be best for you.

Desk of contents

Greatest Mint alternate options in 2025

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 person interface, with a touchdown web page that you simply simply preserve scrolling via to get an in depth overview of all of your stats. These embody 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 admire is the power to arrange financial savings objectives elsewhere within the app. I additionally admire the way it presents neat, virtually playful visualizations with out ever wanting cluttered. I felt at residence within the cell and internet dashboards after a day or so, which is quicker than I tailored to some competing providers (I’m taking a look at you, YNAB and Monarch).

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

In observe, Simplifi miscategorized a few of my bills, however nothing out of the abnormal in comparison with any of those price range trackers. As you’re reviewing transactions, you may also mark in the event you’re anticipating a refund, which is a novel characteristic 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 example, 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 characteristic can also be self-explanatory and might possible accommodate your most well-liked budgeting methodology. Simply test that your common revenue is correct and you should definitely arrange recurring funds, making observe of that are payments and that are subscriptions. That is necessary as a result of Simplifi reveals you your whole take-home revenue in addition to an “revenue after payments” determine. That quantity consists of, nicely, payments however not discretionary subscriptions. From there, you possibly can add spending targets by class within the “deliberate spending” bucket. Deliberate spending may embody one-time expenditures, not simply month-to-month budgets. Once you create a price range, Simplifi will counsel a quantity primarily based on a six-month common.

Not dealbreakers, however two issues to remember as you get began: Simplifi is notable in which 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 | Cell app: iOS, Android

A strong budgeting app that’s somewhat tougher to make use of than our prime decide, however not prohibitively so. (Energy customers may not thoughts.)

Execs

• Plenty of element and alternatives for personalisation
• Useful “objectives” characteristic
• You’ll be able to grant account entry to different folks
• Chrome extension for importing from Mint
• Month-in-review recap is extra thorough than most
• Automobile worth syncing
• Zillow integration

Cons

• Steeper studying curve than another price range trackers
• The cell app feels restricted and fewer intuitive than the online model
• Doesn’t appear to tell apart 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 harder to make use of than others on this listing, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing expense classes, including recurring transactions and creating guidelines, for instance, is a bit more difficult than it must be, particularly within the cell app. (My recommendation: Use the online app for fine-tuning particulars.) Monarch additionally didn’t get my revenue proper; I needed to edit it.

When you’re arrange, although, Monarch presents a powerful stage of granularity. Within the budgets part, you possibly can see a bona fide steadiness sheet displaying budgets and actuals for every class. You may additionally discover a forecast, for the 12 months or by month. And recurring bills will be set not simply by service provider, however different parameters as nicely. As an example, whereas most Amazon purchases may be marked as “procuring,” these for the quantities of $54.18 or $34.18 are positively child provides, and will be mechanically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no option 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 characteristic is on the market simply on the internet model of the app for now. As a part of this similar replace, Monarch added assist for an aggregator that makes it attainable to mechanically replace the worth of your automotive. This, mixed with the prevailing Zillow integration for monitoring your private home worth, makes it simple to rapidly 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 usually self-explanatory. The primary dashboard reveals 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; an inventory of any objectives you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money move; prime revenue and expense classes; money move traits; adjustments to your internet value, property and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that in the event you click on on the Accounts tab you possibly can see how your internet value modified over totally different durations of time, together with one month, three months, six months, a 12 months or all time.

On the principle display, you’ll additionally discover tabs for financial savings and checking accounts (and all others as nicely), transactions, money move, 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 incorrect. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise in the event 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 customary 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 purpose Plaid fails. Just like NerdWallet, I discovered myself finishing two-factor authentication each time I needed to get previous the Plaid display so as to add one other account. Notably, Monarch is the one different app I examined that lets you grant entry to another person in your loved ones — possible 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 should do no matter the place you select to take your Mint knowledge.

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 is not the one one both; at the moment, Copilot and YNAB have additionally added related performance that will probably be obtainable to anybody with the newest variations of their respective apps on a tool operating iOS 17.4. As an alternative 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 not too long ago launched funding transactions in beta. It additionally says invoice monitoring and an overhauled objectives system are coming quickly. Monarch hasn’t supplied a timeline for that final one, besides to say that the improved objectives characteristic is coming quickly.

Copilot Cash

Month-to-month price: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell 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 worth than some competing apps
• Does an excellent job visualizing recurring bills
• Non-compulsory Amazon, Venmo and Zillow integration
• “To overview” part is helpful

Cons

• No internet or Android app but
• Miscategorized extra bills than our prime decide
• Plenty of in any other case frequent options are nonetheless in improvement

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

Copilot Money may be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — a minimum of 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 opponents on the market.

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

Behind these punchy colours and cutesy emoji, although, is a few subtle efficiency. Copilot’s AI-powered “Intelligence” will get smarter as you go at categorizing your bills. (You may as well add your personal classes, full together with your selection 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 characteristic could be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

Copilot can also 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, you need to arrange fwd@copilot.cash as a forwarding deal with after which create a filter, whereby emails from venmo@venmo.com are mechanically forwarded to fwd@copilot.cash. Like Monarch Cash, you may also add any property you personal and observe its worth via Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless admire that Copilot marks new transactions for overview. It’s a great way to each weed out fraudulent fees, and likewise 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 Categorical and Constancy which, once more, generally is 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 nicely.

As a result of the app is comparatively new (it launched in early 2020), the corporate continues to be catching as much as the competitors on some table-stakes options. Ugarte advised me that his staff is nearly completed constructing out an in depth money move part as nicely. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its good expense categorization. These embody “good monetary objectives,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to provide folks 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 12 months.

Copilot does a pair attention-grabbing issues for brand spanking new prospects that distinguish it from the competitors. There’s a “demo mode” that appears like a sport simulator; no want so as to add your personal accounts. The corporate can also 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 | Cell 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 nicely of useful monetary explainers and guides
• One of many few choices that provides credit score rating monitoring

Cons

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

Free at NerdWallet

Chances are you’ll know NerdWallet as a web site that provides a mixture of private finance information, explainers and guides. I see it usually after I google a monetary time period I don’t know and positive sufficient, it’s one of many websites I’m almost definitely to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. In actual fact, there isn’t any paid model; nothing is locked behind a paywall. The primary catch: There are adverts in all places. To be truthful, the free model of Mint was like this, too.

Even with the inescapable bank card presents, NerdWallet has a clear, easy-to-understand person interface, which incorporates each an internet and a cell app. The important thing metrics that it highlights most prominently are your money move, internet value and credit score rating. (Of observe, though Mint itself provided credit score rating monitoring, most of its rivals don’t.) I notably loved the weekly insights, which delve into issues like the place you spent essentially 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 monetary data, you get some notably particular class choices when establishing your accounts (assume: 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 belongings you want, 30% towards belongings you need, and the remaining 20% into financial savings or debt repayments. If this works for you, nice — simply know which you can’t customise your price range to the identical diploma as some competing apps. You’ll be able to’t at the moment 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 gadgets from the desires 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 supply an ETA, although.

Lastly, it’s value noting that NerdWallet had some of the onerous setup processes of any app I examined. I don’t assume this can be a dealbreaker, as you’ll solely should 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 needed 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 data throughout setup, together with your birthday, deal with, cellphone 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’d 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 | Cell app: iOS, Android

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

Execs

• Notably robust emphasis on budgeting
• Distinctive “zero-dollar” strategy to monetary planning that some folks 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, “totally different from something you’ve tried earlier than.” The app, whose identify is brief for You Want a Price range, promotes a so-called zero-based budgeting system, which forces you to assign a objective for each greenback you earn. A continuously used analogy is to place every greenback in an envelope; you possibly can at all times transfer cash from one envelope to a different in a pinch. These envelopes can embody hire and utilities, together with unexpected bills like vacation presents and the inevitable automotive restore. The thought is that in the event 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 simply involved with the cash you’ve gotten in your accounts now. The app doesn’t ask you to supply your take-home revenue or arrange recurring revenue funds (though there’s a method to do that). The cash you’ll make later within the month via your salaried job will not be related, as a result of YNAB doesn’t have interaction in forecasting.

The app is tougher to be taught than every other right here, and it requires extra ongoing effort from the person. 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 bought snug with the person interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new price range every month and to overview every transaction will not be essentially a nasty factor. As YNAB says on its web site, “Certain, you’ve bought pie charts displaying that you simply spent an obscene amount of cash in eating places — however you’ve nonetheless spent an obscene amount of cash in eating places.” I can see this strategy being helpful for individuals who don’t are likely to have numerous money in reserve at a given time, or who’ve spending habits they need to appropriate (to riff off of YNAB’s personal instance, ordering Seamless 4 occasions 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’ve gotten main financial savings objectives you need to obtain, whether or not it’s paying for a marriage or shopping for a home. I counsel you give her column a learn. For me, although, YNAB’s strategy appears like overkill.

Different Mint alternate options we examined

PocketGuard

PocketGuard was 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. After I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless a good possibility. The primary overview display reveals you your internet value, whole property and money owed; internet revenue and whole spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you’ve gotten; and any objectives. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” strategy, the place you enter all your recurring payments, after which PocketGuard reveals you what’s left, and that’s what you’re speculated to be budgeting: your disposable revenue.

Though PocketGuard’s UI is straightforward sufficient to grasp, it lacks polish. The “accounts” tab is somewhat 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 obtainable. The online model, in the meantime, feels just like the cell app blown as much as a bigger format and doesn’t benefit from 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 knowledge, 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 as we speak the business customary 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 know-how is baked into a wide 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 area you should utilize to look yours up straight. As soon as you discover yours, you’ll be prompted to enter your login credentials. If in case you have two-factor authentication arrange, you’ll have to enter a one-time passcode as nicely.

Because the intermediary, Plaid is a passthrough for data which will embody 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 knowledge to different corporations. Nevertheless, I’d 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 knowledge than was wanted.” As a part of the settlement, Plaid was compelled to alter a few of its enterprise practices.

In an announcement supplied 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 folks extra transparency into Plaid’s position in connecting their accounts, and guaranteeing that our workstreams round knowledge minimization stay on observe.”

Find out how to import your monetary knowledge from the Mint app

Mint customers ought to contemplate getting their knowledge able to migrate to their new budgeting app of selection quickly. Sadly, importing knowledge from Mint will not be as simple as coming into your credentials from inside your new app and hitting “import.” In actual fact, 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 knowledge.

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

1. Signal into Mint.com and hit Transactions within the menu on the left facet 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 may appear extra annoying, however might provide help to get arrange on the opposite facet, if the app you’re utilizing has you importing transactions one-for-one into their corresponding accounts.

How we examined Mint alternate options

Earlier than I dove into the world of budgeting apps, I had to perform a little research. To discover a listing of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn opinions of common apps on the App Retailer; and likewise requested pals and colleagues what price range monitoring apps they may be utilizing. Among the apps I discovered have been free, similar to Mint. These, after all, present a great deal of adverts (excuse me, “presents”) to remain in enterprise. However a lot of the obtainable apps require paid subscriptions, with costs sometimes topping out round $100 a 12 months, or $15 a month. (Spoiler: My prime decide 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 knowledge into one place; provide budgeting instruments; and observe 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 on the lookout for a Mint alternative myself), I made a degree 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 coming into passwords and one-time passcodes, for a similar banks half a dozen occasions 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 may provide help to cancel undesirable subscriptions. We didn’t take a look at it for this information, however we’ll contemplate it in future updates.