In 2024, Mint — the personal finance app used by millions — shut down without warning. Intuit, the company that acquired it, redirected users to Credit Karma, which offers a fraction of Mint's functionality.

That left a huge gap. If you're still looking for a replacement, or simply evaluating your options in 2026, this guide compares the top personal finance apps head-to-head — features, pricing, and honest trade-offs.

What a Good Personal Finance App Actually Needs

Before the rankings, here's what matters:

Expense tracking: Manual entry, clean categories, and monthly summaries
Budget management: Set limits per category, get alerts before you overspend
Subscription tracking: See all recurring charges in one place, with renewal reminders
Debt and loan tracking: Payoff progress, interest calculations, amortisation schedules
Net worth view: Assets minus liabilities in one dashboard
Mobile app: Works on iOS and Android, not just the web
Fair pricing: A real free tier, not a 30-day trial

The 2026 Rankings

1. FinTrackrr — Best All-in-One Free Option

FinTrackrr earns the top spot for covering the widest range of personal finance needs with a genuinely usable free tier. It's the closest like-for-like replacement for Mint.

What sets it apart:

Covers everything: Expenses, income, subscriptions, bills, loans, investments, assets, goals, and net worth — all in one dashboard
Receipt OCR scanning: Snap a photo of any receipt and it's auto-filled into your expenses (Premium plan). Powered by Tesseract.js, runs locally — no cloud upload of your receipts.
Web and mobile: Full-featured apps on both platforms, in sync
Privacy-first: No bank account sync required. Your data stays yours.

Pricing: Free (5 subscriptions, 100 expenses/month, 2 budgets), Plus at £9.99/month (unlimited everything, CSV/PDF export), Premium at £19.99/month (adds receipt OCR). No hidden fees.

Best for: Anyone who wants a complete picture of their finances without paying £15/month from day one.

2. YNAB (You Need A Budget)

YNAB is the best app if you specifically want a structured budgeting methodology. Its "give every dollar a job" philosophy is genuinely effective — but it takes time to learn.

Strengths: Proven zero-based budgeting method, strong community, excellent educational resources, bank sync included.

Weaknesses: No free tier (34-day trial only), £14.99/month, no investment tracking, no loan management, steep learning curve, overkill if you just want to track spending.

3. Rocket Money (formerly Truebill)

Rocket Money is laser-focused on one thing: finding and eliminating subscription waste. If that's your primary problem, it's excellent. For everything else, look elsewhere.

Strengths: Automatic subscription detection via bank sync, bill negotiation service, clean interface.

Weaknesses: Takes a percentage of negotiated savings, limited budgeting, no loan or investment tracking, premium features £6–12/month.

4. Copilot Money

A beautifully designed app with automatic bank sync and clean categorisation. The catch: iOS only, no web app, no Android.

Strengths: Gorgeous design, automatic transaction import, smart categorisation.

Weaknesses: iOS only, £14.99/month, no Android or web, no manual entry, no subscription management module.

5. Monarch Money

A solid choice for couples or households managing shared finances. Net worth tracking and investment monitoring are above average.

Strengths: Household/couple features, net worth tracking, investment monitoring, bank sync.

Weaknesses: £14.99/month with a very limited free option, no receipt scanning.

Head-to-Head Comparison

Feature	FinTrackrr	YNAB	Rocket Money	Copilot	Monarch
Receipt Scanning	✅ OCR (Premium)	❌	❌	❌	❌
Free Tier	✅ Generous	❌ Trial only	⚠️ Very limited	❌ Trial	⚠️ Limited
Subscription Tracking	✅	❌	✅	⚠️ Basic	⚠️ Basic
Loan Tracking	✅	❌	❌	❌	⚠️ Basic
Investment Tracking	✅	❌	❌	⚠️ Basic	✅
Net Worth Dashboard	✅	⚠️ Basic	❌	⚠️ Basic	✅
Web + Mobile	✅ Both	✅ Both	✅ Both	❌ iOS only	✅ Both
Bank Sync	❌ Privacy-first	✅	✅	✅	✅
Starting Price	£0	£14.99/mo	£6/mo	£14.99/mo	£14.99/mo

The Mint Replacement Question

If you used Mint and are looking for a direct replacement, FinTrackrr is the closest match. Both offer expense tracking, budget management, bill alerts, and a free tier. FinTrackrr goes further with receipt scanning, loan tracking, and investment monitoring that Mint never had.

The one thing FinTrackrr doesn't do that Mint did: automatic bank sync. FinTrackrr is privacy-first and requires manual entry (or receipt scanning). If automatic import is non-negotiable for you, Rocket Money or Monarch Money are your best options — but you'll pay for it.

Who Should Use What?

Choose FinTrackrr if:

You want an all-in-one dashboard covering every aspect of your finances
You want a real free tier (not a trial)
You prefer privacy-first design without bank sync
You have subscriptions, loans, and investments to track alongside expenses

Choose YNAB if:

You specifically want zero-based budgeting methodology
You're happy paying £14.99/month from day one

Choose Rocket Money if:

Subscription waste and bill negotiation is your primary problem
You want bank-sync-powered automatic detection

Ready to replace Mint? Start tracking free with FinTrackrr — no credit card needed →