The most effective Mint alternate options

As a long-time Mint person, 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 objectives like pay my mortgage down sooner and with common cash administration.

So I got down to discover one of the best Mint alternate 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 a few of the hottest Mint substitute apps accessible in the present day searching for my subsequent budgeting app.

Our choose for greatest Mint different stays Quicken Simplifi, even lengthy after Mint shutting down, due to its straightforward to make use of app, good revenue and invoice detection and its inexpensive value. However there are many different stable choices on the market for these with completely different wants. When you’re additionally on the hunt for a budgeting app to interchange Mint, we hope these particulars will help you resolve which of the best budgeting apps on the market will probably be best for you.

Desk of contents

Finest 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 just simply hold scrolling by way of 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 affords neat, virtually playful visualizations with out ever trying cluttered. I felt at dwelling within the cellular and internet dashboards after a day or so, which is quicker than I tailored to some competing companies (I’m taking a look at you, YNAB and Monarch).

Getting arrange with Simplifi was principally painless. I used to be significantly impressed at how simply it linked to Constancy; not all finances trackers do, for no matter cause. That is additionally one of many solely companies 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 own home worth (or no less than a tough estimate of it). Varied opponents together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API accessible 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 peculiar in comparison with any of those finances trackers. As you’re reviewing transactions, you can even mark if you happen to’re anticipating a refund, which is a singular function among the many companies I examined. Simplifi additionally estimated my common revenue higher than another apps I examined. Most of all, I appreciated the choice of having 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 also be self-explanatory and may doubtless accommodate your most popular budgeting methodology. Simply test that your common revenue is correct and be sure you arrange recurring funds, making observe of that are payments and that are subscriptions. That is essential as a result of Simplifi reveals you your whole 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 may also embody one-time expenditures, not simply month-to-month budgets. If you create a finances, 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 you can’t arrange an account by way of Apple or Google. There may be additionally no possibility for a free trial, although Quicken guarantees a “30-day a reimbursement 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 a little bit more durable to make use of than our prime choose, however not prohibitively so. (Energy customers may not thoughts.)

Execs

• A number of element and alternatives for personalisation
• Useful “objectives” function
• You may 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 finances trackers
• The cellular app feels restricted and fewer intuitive than the net model
• Doesn’t appear to tell apart between payments and different recurring bills
• Some bugginess on cellular 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 record, together with Simplifi, NerdWallet and Copilot. And it’s. Modifying expense classes, including recurring transactions and creating guidelines, for instance, is a bit more difficult than it must be, particularly within the cellular 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 powerful stage of granularity. Within the budgets part, you possibly can see a bona fide stability sheet exhibiting budgets and actuals for every class. You may additionally discover a forecast, for the yr or by month. And recurring bills could 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 “purchasing,” these for the quantities of $54.18 or $34.18 are undoubtedly child provides, and could be robotically 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 printed 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 accessible simply on the net model of the app for now. As a part of this identical replace, Monarch added assist for an aggregator that makes it attainable to robotically replace the worth of your automotive. This, mixed with the present Zillow integration for monitoring your own home worth, makes it straightforward to shortly add a non-liquid asset like a automobile or actual property, and have it present up in your internet value graph.

The cellular app is generally self-explanatory. The principle 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; a listing 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 movement; prime revenue and expense classes; money movement developments; 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 if you happen to click on on the Accounts tab you possibly can see how your internet value modified over completely different durations of time, together with one month, three months, six months, a yr or all time.

On the principle display screen, you’ll additionally discover tabs for financial savings and checking accounts (and all others as properly), transactions, money movement, finances and recurring. Like lots of the different apps featured right here, Monarch can auto-detect recurring bills and revenue, even when it will get the class unsuitable. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise if you happen to’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 house, towards the tip of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach by way of these different two networks, if for some cause Plaid fails. Much like NerdWallet, I discovered myself finishing two-factor authentication each time I wished to get previous the Plaid display screen so as to add one other account. Notably, Monarch is the one different app I examined that means that you can grant entry to another person in your loved ones — doubtless 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 need to 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 is not the one one both; at present, Copilot and YNAB have additionally added comparable performance that will probably be accessible to anybody with the most recent variations of their respective apps on a tool operating iOS 17.4. As a substitute of manually importing statements, the brand new performance permits apps like Monarch’s to robotically pull in transactions and stability 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 objectives system are coming quickly. Monarch hasn’t offered a timeline for that final one, besides to say that the improved objectives 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 | 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 value than some competing apps
• Does an excellent job visualizing recurring bills
• Non-obligatory Amazon, Venmo and Zillow integration
• “To assessment” part is helpful

Cons

• No internet or Android app but
• Miscategorized extra bills than our prime choose
• A number 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 — no less than for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and internet apps are coming quickly. However till it follows by way of, 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 regulate. It’s only a quick, environment friendly, properly designed app, and Android customers will probably be in for a deal with after they’ll lastly have the ability 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 the whole lot out of your budgets to your funding efficiency to your bank card debt over time. Particularly, 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 can even add your personal classes, full together with your alternative of emoji.) It’s not good. 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 could be very quick; it begins whittling down ends in 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 by way of an in-app browser. For Venmo, you must arrange fwd@copilot.cash as a forwarding tackle after which create a filter, whereby emails from venmo@venmo.com are robotically forwarded to fwd@copilot.cash. Like Monarch Cash, you can even add any property you personal and monitor its worth by way of Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless admire that Copilot marks new transactions for assessment. It’s a great way to each weed out fraudulent costs, 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 by way of networks aside from Plaid. As a part of the identical replace, Copilot mentioned it has improved its connections to each American Categorical and Constancy which, once more, generally is a bugbear for some finances 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 continues to be catching as much as the competitors on some table-stakes options. Ugarte informed me that his workforce is sort of accomplished constructing out an in depth money movement 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 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 offer 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 clients that distinguish it from the competitors. There’s a “demo mode” that appears like a recreation 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 supply 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 most effective free finances monitoring app you will get (and there aren’t many compromises apart from the ever-present adverts).

Execs

• Free
• Straightforward 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

• Adverts 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

You might know NerdWallet as a web site that gives a mixture of private finance information, explainers and guides. I see it typically once 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 reality, there isn’t any paid model; nothing is locked behind a paywall. The principle catch: There are adverts in all places. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card affords, NerdWallet has a clear, easy-to-understand person interface, which incorporates each an internet and a cellular app. The important thing metrics that it highlights most prominently are your money movement, internet value and credit score rating. (Of observe, though Mint itself provided 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 monetary data, you get some significantly 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 finances 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 you can’t customise your finances to the identical diploma as some competing apps. You may’t at present create customized spending classes, although a observe contained in the dashboard part of the app says “you’ll have the ability 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’ll 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 probably the most onerous setup processes of any app I examined. I don’t assume it is a dealbreaker, as you’ll solely need to 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 screen, 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 finances trackers to supply credit score rating monitoring, it additionally wants extra of your private data 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 robotically 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 special, extra hands-on strategy to budgeting. Not for individuals who need a set-and-forget expertise.

Execs

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

Cons

• Steep studying curve
• Tougher to make use of sure options on the cellular app than on the net

$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 Price range, promotes a so-called zero-based budgeting system, which forces you to assign a objective for each greenback you earn. A ceaselessly 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 if you happen to finances 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 will have 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 means to do that). The cash you’ll make later within the month by way of your salaried job is just not related, as a result of YNAB doesn’t have interaction in forecasting.

The app is more durable 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 cellular and internet apps are hyperlinks to movies and different tutorials. Though I by no means fairly acquired comfy with the person interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new finances every month and to assessment every transaction is just not essentially a nasty factor. As YNAB says on its web site, “Positive, you’ve acquired pie charts exhibiting that you just 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 inclined to have lots of 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 instances per week).

My colleague Valentina Palladino, figuring out 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 will have 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 once a stable free finances 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 an honest possibility. The principle overview display screen 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 will have; and any objectives. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” strategy, the place you enter your whole 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 simple sufficient to know, 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 had been accessible. The online model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t benefit from the additional display screen 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, known 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 in the present day 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 companies 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 big selection of apps, together with the finances 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 subject you should utilize to look yours up immediately. As soon as you discover yours, you’ll be prompted to enter your login credentials. When you’ve got two-factor authentication arrange, you’ll must enter a one-time passcode as properly.

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 information to different corporations. Nonetheless, 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 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 mentioned the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are centered on us accelerating workstreams already underway associated to giving individuals extra transparency into Plaid’s position in connecting their accounts, and guaranteeing that our workstreams round information minimization stay on monitor.”

Learn how to import your monetary information from the Mint app

Mint customers ought to think about getting their information able to migrate to their new budgeting app of alternative quickly. Sadly, importing information from Mint is just not as straightforward as getting into your credentials from inside your new app and hitting “import.” In reality, 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 facet of the display screen.

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 may assist you 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 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 likewise requested buddies and colleagues what finances monitoring apps they is likely to be utilizing. A number of the apps I discovered had been free, similar to Mint. These, in fact, present a great deal of adverts (excuse me, “affords”) to remain in enterprise. However many of the accessible 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 companies I selected to check wanted to do a number of issues: import your whole account information into one place; supply 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 net.

As soon as I had my shortlist of six apps, I set to work setting them up. For the sake of completely testing these apps (and bear in mind, I actually was in search of a Mint alternative myself), I made a degree of including each account to each budgeting app, regardless of how small or immaterial the stability. 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 stability alerts and account linking. When you pay for the premium tier, the service may also assist you to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll think about it in future updates.