Mint alternatives in 2026
Written by George I., twenty years in payments. Pricing last checked 5 September 2026.
Mint shut down on 23 March 2024. Intuit moved users to Credit Karma, which is built around credit monitoring rather than expense tracking and did not carry over budgeting, bill reminders or goal tracking. For most former Mint users, Monarch Money is the closest replacement. YNAB is the better choice if you want your spending habits to change rather than just be recorded. Rocket Money is the option if free is a hard requirement.
Disclosure: Guardrail is our own product and it is ranked last here, because it is not a Mint replacement. No affiliate links, nobody paid to appear.
On the prices: taken from public review sources on 5 September 2026, not from each provider's own pricing page. Treat them as indicative and check before you buy.
At a glance
| App | Closest on | Price | Bank sync |
|---|---|---|---|
| 1. Monarch Money | Overall replacement, closest to what Mint actually was | Paid subscription | Yes |
| 2. YNAB | Changing spending habits rather than just recording them | About $14.99/month or $109/year | Optional |
| 3. Copilot Money | A polished day-to-day tracker on Apple devices | Paid subscription | Yes |
| 4. Rocket Money | The free tier and finding subscriptions to cancel | Free tier, paid tiers for more | Yes |
| 5. Guardrail(ours) | Only the timing question. It is not a Mint replacement | Free | No |
The five, in order
1. Monarch Money
Paid subscription · Bank sync: yes
What it does well
- Built deliberately as a Mint replacement, and it shows in the feature list
- Bank sync, categories, budgets and net worth tracking in one place
- Handles shared household finances properly, which Mint users often relied on
Where it falls short
- Paid, where Mint was free. That is the adjustment most Mint users resent
- More setup than Mint needed before it becomes useful
Verdict: The default answer. If you want the thing Mint was and you are willing to pay for it, start here and stop reading.
2. YNAB
About $14.99/month or $109/year · Bank sync: optional
What it does well
- A method, not just a ledger. It changes behaviour in a way Mint never tried to
- Works fully on manual entry if you would rather not connect accounts
- One subscription covers up to six people
Where it falls short
- Not a Mint clone. It asks you to work differently, and the learning curve is real
- Backward-looking reporting is weaker than Mint was
Verdict: Pick this if what you actually want is to spend differently. Pick Monarch if you want to see what happened.
3. Copilot Money
Paid subscription · Bank sync: yes
What it does well
- Well designed, quick to review transactions, good categorisation
- Pleasant enough to open daily, which is most of what makes a tracker work
Where it falls short
- Apple-focused, so platform support is narrower than Mint had
- Paid, and priced toward the higher end
Verdict: A strong choice if you are on Apple hardware and want the nicest daily experience.
4. Rocket Money
Free tier, paid tiers for more · Bank sync: yes
What it does well
- There is a genuinely free tier, which matters to people leaving a free product
- Good at surfacing recurring charges you have forgotten about
Where it falls short
- Budgeting is thinner than Mint had
- The business model leans on upsells and cancellation services
Verdict: Reasonable if free is the requirement and subscription cleanup is the main thing you want.
5. Guardrailour own product
Free · Bank sync: no
What it does well
- Answers when your balance goes negative, which Mint never did well
- No bank connection anywhere, if that is why you have not replaced Mint yet
- Free calculators with no account at all
Where it falls short
- It does not track spending, categorise transactions or produce reports
- No bank sync, so nothing updates itself
- It replaces one part of Mint and ignores the rest. For most Mint users that is the wrong trade
Verdict: Listed last on purpose. If you miss Mint as a whole, this is not it. If the only thing you actually miss is knowing whether you will make it to the end of the month, it is worth ten minutes.
Try the free calculatorWhat actually happened to Mint
Intuit announced the wind-down in November 2023 and closed the app on 23 March 2024, leaving roughly four and a half months to export data as CSV. Users were pointed at Credit Karma.
The migration is the part people are still annoyed about. Credit Karma is a credit-monitoring product, and the move did not bring across category-based budgeting, bill reminders, goal tracking, reliable transaction tagging. If you used Mint to watch a credit score, the transition was fine. If you used it to budget, you were handed a different product and told it was the same one.
Mint was free because it sold attention: targeted ads and referrals to financial products. Privacy changes across mobile platforms damaged that model, and Intuit has said the app was no longer profitable to run. That matters when you pick a replacement, because it is the reason most of the credible ones now charge. Someone has to pay for it, and if it is not you it is an advertiser.
If you still have not replaced it
A lot of former Mint users never picked anything. Two years on they are running on a vague sense of their balance, which works right up until it does not.
If the reason is that you do not want to hand another company your bank login, that is a legitimate objection and it narrows the list sharply. YNAB works on manual entry. Guardrail has no bank connection at all. There is a fuller comparison of apps that work without linking accounts if that is the sticking point.
Common questions
- When did Mint shut down?
- Mint closed on 23 March 2024. Intuit announced the wind-down in November 2023 and directed users to Credit Karma, giving roughly four and a half months to export data as CSV before access ended.
- Why did Mint shut down?
- Mint was free because it made money from targeted advertising and referrals to financial products. Privacy changes across mobile platforms disrupted the advertising side of that model, and Intuit has said the app had become unprofitable to maintain. It was a business decision rather than a technical one.
- Is Credit Karma a replacement for Mint?
- Not really, and this is the complaint most former Mint users have. Credit Karma is built around credit monitoring rather than expense tracking. The migration did not bring across category-based budgeting, bill reminders, goal tracking or reliable transaction tagging, which for many people were the reasons they used Mint at all.
- What is the closest thing to Mint now?
- Monarch Money is the nearest equivalent for most people. It was built deliberately as a Mint replacement and covers bank sync, categories, budgets and net worth in one place. The main adjustment is that it is paid, where Mint was free.
- Is there a free Mint alternative?
- Rocket Money has a genuinely free tier, though its budgeting is thinner than Mint had. Free calculators exist for specific questions, including the ones on this site. There is no free tool that does everything Mint did, because the advertising model that paid for Mint is the thing that stopped working.
This page compares software and is not financial advice. Guardrail produces cash-flow projections from figures you enter yourself.
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