Best Mint Alternatives in 2026: An Honest Comparison
Short answer: if what you miss about Mint is transactions appearing on their own, Monarch is the closest match. If you want a budgeting method that changes how you spend, YNAB. If your main problem is subscriptions you forgot to cancel, Rocket Money. If you are on Apple devices and care about design, Copilot. If you would rather not connect a bank to anything, a spreadsheet or FinTrackrr, which is manual entry with a free plan.
The rest of this page explains how to choose, with prices checked on 13 September 2026.
What happened to Mint
Intuit shut Mint down on 23 March 2024 and pointed its users to Credit Karma (CNBC). Credit Karma kept some of Mint's account tracking, but it does not let you set monthly budgets by category. For anyone who used Mint mainly for budgeting, the recommended replacement dropped the feature they relied on. That gap is why people are still searching for a Mint alternative.
First decide one thing: do you want bank sync?
This choice narrows the list more than any feature does.
- With bank sync, transactions appear on their own. You grant the app access to your accounts, and connections sometimes break and need reconnecting.
- Without bank sync, you type in what you spend. It is slower, and your records are only as complete as your typing. In return, you never give a budgeting app access to your bank.
Neither is better for everyone. Mint was a bank-sync app, so if what you miss is not having to type, choose from the bank-sync apps below.
The options, compared
Prices in USD, checked 13 September 2026. Prices change, so confirm on each provider's site before you pay.
| App | Price | Free plan | Bank sync | Category budgets | Goals | Net worth |
|---|---|---|---|---|---|---|
| Mint | Discontinued 23 March 2024 | |||||
| Credit Karma | Free | Yes | Yes | No | No | Yes |
| Monarch | $14.99/mo or $99.99/yr | No (7-day trial) | Yes | Yes | Yes | Yes |
| YNAB | $14.99/mo or $109/yr | No (34-day trial) | Optional; file import also available | Yes | Yes | Yes |
| Rocket Money | Free; Premium pay-what-you-choose, about $7–$14/mo | Yes, limited | Yes | 2 on free, more on Premium | Premium | Premium |
| Copilot | $13/mo or $95/yr | No (trial) | Yes | Yes | Yes | Yes |
| Spreadsheet | Free | — | No | You build it | You build it | You build it |
| FinTrackrr | Free; Plus $9.99/mo; Premium $19.99/mo | Yes, with limits | No — manual entry | 2 on free | 2 on free | Yes |
Sources: YNAB pricing, Monarch pricing, Rocket Money pricing, Copilot review (The Penny Hoarder).
When each one is the better choice
Monarch: closest to what Mint did
Monarch imports transactions from your accounts and covers budgets, goals and net worth in one place. It is the nearest match to Mint's way of working, and a good fit for couples sharing finances. The trade-off is price: there is no free plan.
YNAB: if you want a budgeting method, not just a tracker
YNAB is built around giving every dollar a job before you spend it. People who stick with it often say it changed their habits, but it takes longer to learn than the other apps here. Unlike most bank-sync apps, it also lets you import from a file if your bank is not supported.
Rocket Money: if subscriptions are the problem
Rocket Money finds recurring charges in your linked accounts and offers help cancelling them. If what you want most is to stop paying for things you don't use, it does that job more directly than a general budgeting app.
Copilot: if you're on Apple devices
Copilot is known for its design. It runs on iPhone, iPad and Mac, plus a web app. There is no Android app, so it does not suit a household that uses Android.
Credit Karma: if you only want to watch your credit
Credit Karma is free and shows your accounts and credit. It is not a budgeting tool. If you never used Mint's budgets, it may be all you need.
A spreadsheet: if you want full control and no app at all
A spreadsheet is free, and it holds only what you type into it. It takes the most setup, and nothing reminds you when a bill is due.
FinTrackrr: if you want structure without connecting a bank
FinTrackrr is a manual tracker. You enter expenses, income, subscriptions, bills, budgets, savings goals, assets and loans, and it adds them up into monthly totals and your net worth. It never asks for your bank login and never connects to your bank.
What that costs you: nothing is imported, so you type every entry. If automatic import is what you miss about Mint, Monarch or YNAB will suit you better.
The free plan is permanent, not a trial, and needs no card. Its limits: 5 subscriptions, 100 expenses in total, 2 budgets, 2 goals, and 5 bills. Plus removes the limits and adds CSV and PDF exports.
Outside the US
Mint worked by connecting to your bank accounts, and most of the apps that replaced it are built the same way. An app built on bank connections can only serve the countries and banks it connects to, so before paying for one outside the US, check that your bank is on its list.
An app that never connects to a bank has no such limit. FinTrackrr works the same in Australia, the UK, Europe, India or anywhere else: you choose your currency in settings, type in your figures, and amounts are shown in that currency. Supported currencies include AUD, GBP, EUR, INR, CAD and JPY, among others.
Two things it does not do: it does not convert between currencies, so it suits one main currency rather than a household that spends in several, and it has no local bank integrations, because it has no bank integrations at all.
If you are outside the US and want automatic imports, check each bank-sync app's list of supported countries and banks before paying. If you would rather enter figures yourself, where you live makes no difference.
Phone, tablet and offline
FinTrackrr is a web app. It runs in the browser on a phone, tablet or computer, but there is nothing to install from an app store, and it needs an internet connection. If a native Android or iPhone app is what you need, Monarch has both; Copilot is on iPhone, iPad and Mac, plus the web.
Frequently asked questions
Is there a free Mint alternative?
Yes. Credit Karma is free but has no category budgets. Rocket Money and FinTrackrr both have free plans with limits. A spreadsheet is free with no limits and no automation.
Can I get my old Mint data back?
Not from Mint. The service closed on 23 March 2024. If you exported your transactions as a CSV before then, keep that file; it is the only copy.
Which Mint alternative doesn't need a bank connection?
YNAB lets you skip bank sync and import files instead. FinTrackrr and a spreadsheet are manual only.
Where to go next
- Not sure how much your subscriptions cost in total? Try the subscription cost calculator. It works without an account.
- Want to track recurring payments on their own? See the subscription tracker.