Best Mint Alternatives in 2026 (After Mint Shut Down)
Mint was shut down in March 2024. Here are the best Mint alternatives in 2026 — seven high-market-share or uniquely-positioned budgeting apps compared on the same dimensions, with detailed pros and cons, a core-capability table, and download links.
Intuit shut down Mint in March 2024 and folded its features into Credit Karma. If you are looking for alternatives to Mint, you are not alone — millions of former users want a budget app that tracks spending clearly, without being pushed toward credit products or forced into a cloud account they don’t trust.
This guide compares seven apps on the same dimensions. Each was picked either for high market share or for a distinct strength that sets it apart. Every app below is covered with its real advantages, its genuine weaknesses, and how it performs on the core capabilities people actually care about — multi-account, sync, reimbursement, budgeting, statistics, assets/net worth, and multi-currency. Download links are at the end of each section.
What people lost when Mint closed
- Automatic transaction import from linked bank and card accounts.
- One dashboard for net worth, bills, and subscriptions.
- Free, simple category budgeting.
The trade-off was that Mint monetized through referrals and eventually steered users toward Credit Karma’s credit business. The replacements below keep the good parts and let you decide how much automation and cloud storage you actually want.
YNAB (You Need A Budget) — the methodology leader
YNAB is the best-known zero-based budgeting app: every dollar is “given a job” before you spend it, built on four simple rules. It has the largest dedicated budgeting community and the most education (workshops, guides, forums).
Strengths
- Strongest budgeting method — zero-based allocation beats simple category tracking for changing habits.
- Bank sync via Plaid — transactions import automatically across web, iOS, and Android.
- Excellent reports and net-worth tracking, plus goal planning.
- Mature, well-supported, cross-platform.
Weaknesses
- No free tier — 34-day trial only, then $14.99/mo or $109/yr.
- Steep learning curve — you must actively budget; it is a system, not a passive tracker.
- No dedicated reimbursement flow, and multi-currency is weak (USD-centric).
- Reports are good but less flexible than a spreadsheet for ad-hoc analysis.
Best for: users who want to change spending behavior with a proven method and will invest the setup time.
Download YNAB
Meow Money Manager — cat-themed tracker with a delightful interface
Meow Money Manager is a cat-themed expense tracker and budget app for Android and iOS. Its most distinctive trait is the interface: a cute, cartoon-style design with 400+ rich category icons that make daily logging feel light rather than like office work. Beyond looks, it covers the practical bookkeeping basics.
Strengths (from the product description)
- Beautiful, cartoon UI with 400+ custom icons — the standout trait; logging is visually rewarding.
- Multiple ledgers — keep separate books (personal, travel, business) and view one or all at once.
- Budget tracker & category budgets — daily / monthly / yearly periods, with both a total budget and per-category budgets tracked together.
- Instant chart statistics — daily, monthly, and yearly spending reports.
- Reimbursement management — mark an expense as reimbursable (e.g. a business trip) and track its status anytime.
- Assets management — track cash, funds, stocks, cards, liabilities, and net assets.
- Recurring records — daily / weekly / monthly / yearly auto-repeat.
- 50+ currency symbols, dark mode, and a fingerprint lock.
- CSV export (all records or a date range) for Excel, plus iCloud / WebDav backup.
- No account required — data stays on your device.
Weaknesses (objective)
- No automatic bank sync — entries are manual (or recurring). This aids privacy, but it means less “set and forget” than Mint.
- Cloud sync is iCloud / WebDav, not a dedicated cross-platform account, so switching between an Android phone and iPhone is less seamless than account-based apps.
- Advanced features (multiple ledgers, CSV export) require a one-time purchase; the free core covers everyday tracking.
- Smaller ecosystem and no built-in investment or net-worth aggregation.
Best for: people who want clear tracking without a cloud account, who value a friendly interface, and who don’t mind light manual entry.
Download Meow Money Manager
Monarch Money — the closest Mint successor
Monarch is the app most often named the direct Mint replacement. It aggregates banks, cards, loans, investments, and even crypto and real estate into one dashboard, with collaborative sharing so a partner can edit the same budget.
Strengths
- Closest to Mint’s dashboard — net worth, cash flow, and subscriptions in one view.
- Broad auto-sync including investments and property (via valuation).
- Collaborative — share and edit with a partner; both see live updates.
- Clean web + mobile experience and good goal/budget tools.
Weaknesses
- No free tier (trial only), about $99.99/yr (or $14.99/mo).
- Relatively young (founded 2021) — smaller community and fewer third-party guides than YNAB.
- Like Mint, it depends on aggregation reliability; a broken connection means manual cleanup.
- Multi-currency is limited and it is oriented to the US market.
Best for: former Mint users who want the same all-in-one dashboard and don’t mind a paid subscription.
Download Monarch Money
Rocket Money — best for taming subscriptions
Rocket Money (formerly Truebill) is built around finding and canceling unwanted subscriptions, lowering bills through negotiation, and giving a simple spending overview. It is the strongest pick if recurring charges are your main pain point.
Strengths
- Best-in-class subscription management — detects, tracks, and helps cancel subs; can negotiate lower bills.
- Free tier available; auto account tracking and budgeting on top.
- Credit-score monitoring and overdraft-protection alerts (premium).
- Very popular download numbers, so support and stability are solid.
Weaknesses
- Budgeting is basic — no zero-based or envelope method; it tracks rather than plans.
- Auto-categorization is decent but less customizable than YNAB or Monarch.
- Premium pricing is variable (often ~$6–12/mo, billed annually; can feel high for what it does beyond subscription canceling).
- No reimbursement flow, weak net-worth/investment features.
Best for: people whose real problem is runaway subscriptions and bills, not hands-on budgeting.
Download Rocket Money
Empower (formerly Personal Capital) — best free net-worth & investment view
Empower is free and focused on net worth and investment tracking. It aggregates bank, retirement, brokerage, crypto, and even mortgage/real-estate data to give a portfolio analysis, retirement planner, and fee analyzer.
Strengths
- Completely free for the core dashboard.
- Best-in-class net-worth and investment analysis — asset allocation, retirement projections, fee audit.
- Very broad account coverage, including investments and property.
- Long track record (operating for over a decade under Personal Capital).
Weaknesses
- Not a true budgeting app — cash-flow/budget tools are basic compared to YNAB or Monarch.
- US-centric; limited use outside the US and weak multi-currency.
- Strong investment-advisory upsell for higher balances.
- No envelope or reimbursement features.
Best for: users who mainly want to watch net worth and investments, and who don’t need detailed daily budgeting.
Download Empower
PocketGuard — best for “safe to spend”
PocketGuard keeps things simple: it shows “In My Pocket” — how much you can safely spend after bills, savings, and goals are covered. It is the lightest way to avoid overspending without learning a method.
Strengths
- “In My Pocket” safe-to-spend number is intuitive and immediately useful.
- Auto-categorizes transactions, tracks subscriptions, and offers a bill-lowering feature.
- Free tier plus PocketGuard Plus (~$12.99/mo or ~$74.99/yr) for more detail.
Weaknesses
- Limited budgeting depth — no zero-based or envelope approach; customization is thin.
- Mobile-first with a limited web experience.
- No reimbursement, no investment/net-worth tracking, weak multi-currency.
- Some useful reports sit behind Plus.
Best for: people who want a quick “can I afford this?” answer without managing a full budget.
Download PocketGuard
Goodbudget — best envelope budgeting without a subscription
Goodbudget digitizes the classic envelope system: you allocate money into virtual envelopes and spend from them. It is deliberately manual and shines for couples and families who share a budget.
Strengths
- Envelope method done right, with cloud sync across devices so a household stays aligned.
- Free tier (20 envelopes, 2 devices, 1-year history); Premium (~$8/mo or ~$70/yr) unlocks unlimited envelopes, more devices, 7-year history, and bank sync.
- Platform-flexible: iOS, Android, and web.
Weaknesses
- Mostly manual entry — no automatic bank import on the free tier, and even paid bank sync is limited versus YNAB/Monarch.
- Auto-categorization is minimal; you do the sorting.
- No investment/net-worth tracking, no reimbursement, weak multi-currency.
- Charts and reports are plainer than the automated dashboards.
Best for: envelope-budget fans and shared household budgets who prefer control over automation.
Download Goodbudget
Core-capability comparison
The table below shows, as objectively as possible, which capabilities each app supports. “Partial” means the feature exists but with limits (e.g. manual backup instead of bank sync).
| Capability | YNAB | Meow Money | Monarch | Rocket Money | Empower | PocketGuard | Goodbudget |
|---|---|---|---|---|---|---|---|
| Multi-account / ledgers | Yes | Yes (multi-ledger) | Yes (broad) | Yes | Yes (broad) | Yes | Yes (envelopes) |
| Automatic bank sync | Yes (Plaid) | Partial (iCloud/WebDav backup, no bank feed) | Yes | Yes | Yes | Yes | Partial (manual; paid bank sync) |
| Reimbursement tracking | No | Yes | No | No | No | No | No |
| Budgeting depth | Zero-based (strong) | Category + period budgets | Custom budgets | Basic | Basic cash-flow | “Safe-to-spend” | Envelope (strong) |
| Statistics / reports | Strong reports | Daily/monthly/yearly charts | Strong charts | Basic | Strong (investments) | Basic | Plain |
| Assets / net worth | Yes | Yes (assets/liabilities) | Strong | Weak | Strongest | Weak | No |
| Multi-currency | Weak (USD-centric) | Yes (50+ symbols) | Weak | Weak | Weak (US-centric) | Weak | Weak |
| Subscription management | No | No | Partial | Strongest | No | Yes (tracking) | No |
| Free tier | No (trial only) | Core free, advanced paid | No (trial only) | Yes | Yes (full) | Yes | Yes (limited) |
| Platforms | Web + iOS + Android | Android + iOS | Web + iOS + Android | iOS + Android | iOS + Android | iOS + Android | iOS + Android + Web |
How to choose
- Want the proven zero-based method and will learn it → YNAB.
- Want free, private, no account, multi-currency, with reimbursement → Meow Money Manager.
- Want the closest Mint dashboard with investments → Monarch Money.
- Want to kill subscriptions and lower bills → Rocket Money.
- Want a free net-worth / investment overview → Empower.
- Want a quick “can I spend this?” answer → PocketGuard.
- Want envelopes and shared household budgeting → Goodbudget.
Migrating away from Mint
- Export your data now if you still can: transactions (CSV), accounts, and saved budgets.
- Pick a replacement from the table above based on privacy vs. automation.
- Recreate your categories — most apps let you rename defaults to match Mint’s.
- Set budgets and recurring items (rent, salary, subscriptions) so tracking is smooth going forward.
- Link the bank or stay manual — if privacy matters, a manual app keeps your data on your device.