Best Mint Alternative in 2026: 7 Apps That Actually Replace It
In late 2023, Intuit announced Mint was shutting down. By January 2024, it was gone — taking years of transaction history with it for millions of users.
Intuit pushed everyone toward Credit Karma. But Credit Karma is a credit monitoring and loan marketplace tool. It's not a budget tracker. It doesn't track your subscriptions, loans, or net worth. It doesn't show you where your money goes each month.
More than a year later, many former Mint users still haven't found a satisfying replacement. This guide tests 7 apps that genuinely replace what Mint offered — and in most cases, offer significantly more.
What Made Mint So Good (And Hard to Replace)
Mint was popular for a simple reason: it was free and covered everything. You could see your budgets, spending history, subscription renewals, credit score, and net worth in one place. No other free app did that.
To replace Mint properly, you need:
- Expense tracking: Log and categorise spending, view monthly summaries
- Budget management: Set monthly limits by category with alerts
- Subscription tracking: See recurring charges in one place
- Bill reminders: Get notified before payments are due
- Net worth view: Assets and liabilities in one dashboard
- Free forever: Not a 30-day trial with a paywall
The 7 Best Mint Alternatives in 2026
1. FinTrackrr — Best Free All-in-One Replacement
FinTrackrr is the closest direct replacement for Mint's core functionality — and it goes further in several areas. Unlike Mint, it doesn't require bank syncing, which means your financial data never leaves your control.
What it covers: Expenses, income, subscriptions, bills, loans, investments, assets, savings goals, and net worth — all in one dashboard. There's also a subscription calculator, a Receipt Vault for storing and tagging receipts (Premium), and monthly spending summaries.
Free tier: Up to 5 subscriptions, 100 expenses/month, 2 active budgets. Genuinely usable without paying anything.
Pricing: Free | Plus $9.99/mo | Premium $19.99/mo
Best for: Anyone who wants a full Mint replacement without bank sync or paying from day one.
2. YNAB (You Need A Budget)
YNAB is the gold standard for zero-based budgeting. Every pound/dollar is "assigned" to a category before you spend it. It's effective — and expensive.
Pricing: $14.99/month or $109/year. No free tier (34-day trial only).
Best for: People serious about eliminating debt or building savings who don't mind paying for structure.
Not ideal if: You just want to see where your money goes. The learning curve is steep and the price is high.
3. Rocket Money (formerly Truebill)
Rocket Money built its name on subscription cancellation. It scans your bank feeds for recurring charges and offers to cancel unwanted ones on your behalf.
Pricing: Free tier available | Premium $6-$12/month (USD). The free tier is quite limited.
Best for: People who want to aggressively cut subscriptions and are comfortable with bank syncing.
Not ideal if: Privacy is a concern — it requires full bank access to work.
4. Monarch Money
Monarch is a polished, modern budgeting app with good joint account support. It's often compared to Mint for its comprehensive dashboard.
Pricing: $9.99/month or $99.99/year. No free tier.
Best for: Couples managing shared finances who want a premium, visually clean experience.
5. Copilot
Copilot is an iOS-only app with exceptional design and smart categorisation via machine learning. It's often praised as the most polished budgeting app available.
Pricing: $13/month or $95/year. Free trial only.
Best for: iPhone users who prioritise design and are willing to pay for it. Android users need not apply.
6. Personal Capital (Empower)
Now rebranded as Empower, this app focuses on net worth tracking and investment management. The budgeting features are secondary to the wealth management tools.
Pricing: Free budgeting/net worth tools. Wealth management services are paid (high minimums).
Best for: High-net-worth individuals with investment portfolios who want an aggregated view. Less useful for everyday budgeting.
7. Goodbudget
Goodbudget uses the envelope budgeting method — you allocate income into virtual envelopes (categories) and spend from them throughout the month.
Pricing: Free (limited envelopes) | Plus $8/month or $70/year.
Best for: Fans of the envelope method, especially couples who want to share a budget without syncing bank accounts.
Head-to-Head Comparison Table
| App | Free Tier | Bank Sync | Subscriptions | Loans | Net Worth | Price/mo |
|---|---|---|---|---|---|---|
| FinTrackrr | ✓ Real free tier | Not required | ✓ | ✓ | ✓ | Free–$19.99 |
| YNAB | ✗ Trial only | ✓ | ✓ | Limited | Limited | $14.99 |
| Rocket Money | ✓ Limited | Required | ✓ | ✗ | ✗ | $6–12 |
| Monarch Money | ✗ Trial only | ✓ | ✓ | ✓ | ✓ | $9.99 |
| Copilot | ✗ Trial only | Required | ✓ | ✗ | ✓ | $13 |
| Empower | ✓ Basic | Required | Limited | ✗ | ✓ | Free |
| Goodbudget | ✓ Limited | Not required | ✗ | ✗ | ✗ | Free–$8 |
Which Mint Alternative Should You Choose?
If you want everything Mint had, for free, without bank syncing: FinTrackrr. It's the only app that covers expenses, subscriptions, bills, loans, investments, and net worth without requiring access to your bank accounts.
If you're serious about eliminating debt: YNAB — but only if you're prepared for its learning curve and price tag.
If you want to slash subscription costs fast: Rocket Money — but you'll need to be comfortable with full bank access.
If you're tracking investments alongside budgets: Empower (free) or Monarch Money (paid).
The Bottom Line
Mint's closure left a real gap. The honest truth is that no single app has fully replaced it in the market's perception — but FinTrackrr comes closest in terms of raw feature coverage, especially at the free tier.
If privacy matters to you — and it should, for financial data — then any app that requires bank syncing deserves serious scrutiny. Your bank login credentials are the keys to your financial life.
Start with FinTrackrr free — no bank sync, no credit card required →