One of the best 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 recurrently to trace spending, set targets like pay my mortgage down quicker and with basic cash administration.

So I got down to discover the perfect 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 number of the hottest Mint substitute apps accessible right now looking for my subsequent budgeting app.

Our choose for greatest Mint various stays Quicken Simplifi, even lengthy after Mint shutting down, because of its straightforward to make use of app, good revenue and invoice detection and its reasonably priced value. However there are many different strong choices on the market for these with completely different wants. When you’re additionally on the hunt for a budgeting app to switch Mint, we hope these particulars can assist you determine which of the best budgeting apps on the market can 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 simply simply preserve scrolling by way of to get an in depth overview of all of your stats. These embody your top-line balances; web value; latest 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 recognize is the flexibility to arrange financial savings targets elsewhere within the app. I additionally recognize the way it presents neat, virtually playful visualizations with out ever trying cluttered. I felt at residence within the cellular and internet dashboards after a day or so, which is quicker than I tailored to some competing companies (I’m you, YNAB and Monarch).

Getting arrange with Simplifi was largely painless. I used to be significantly impressed at how simply it linked to Constancy; not all finances trackers do, for no matter motive. That is additionally one of many solely companies I examined that provides you the choice of inviting a partner or monetary advisor to co-manage your account. One factor I might add to my preliminary evaluation of the app, having used it for a number of months now: I want Simplifi supplied Zillow integration for simply monitoring your private 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 another asset.

In follow, Simplifi miscategorized a few of my bills, however nothing out of the strange in comparison with any of those finances trackers. As you’re reviewing transactions, it’s also possible to mark when you’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 with 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 be self-explanatory and may seemingly accommodate your most popular budgeting methodology. Simply verify that your common revenue is correct and be sure you arrange recurring funds, making notice of that are payments and that are subscriptions. That is essential as a result of Simplifi exhibits you your complete take-home revenue in addition to an “revenue after payments” determine. That quantity contains, nicely, payments however not discretionary subscriptions. From there, you may add spending targets by class within the “deliberate spending” bucket. Deliberate spending also can embody one-time expenditures, not simply month-to-month budgets. If you create a finances, Simplifi will recommend a quantity primarily based on a six-month common.

Not dealbreakers, however two issues to bear in mind as you get began: Simplifi is notable in which you could’t arrange an account by way of Apple or Google. There may be additionally no choice for a free trial, although Quicken guarantees a “30-day a reimbursement assure.”

Monarch Cash

Month-to-month value: Begins at $9 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

A strong budgeting app that’s a bit tougher to make use of than our prime choose, however not prohibitively so. (Energy customers may not thoughts.)

Professionals

• A lot of element and alternatives for personalization
• Useful “targets” function
• You’ll be able to grant account entry to different folks
• Chrome extension for importing from Mint
• Month-in-review recap is extra thorough than most
• Automobile 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 differentiate 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 checklist, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing expense classes, including recurring transactions and creating guidelines, for instance, is a bit more sophisticated 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 presents a formidable stage of granularity. Within the budgets part, you may see a bona fide stability sheet exhibiting budgets and actuals for every class. You will additionally discover a forecast, for the yr or by month. And recurring bills will be set not simply by service provider, however different parameters as nicely. 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 will be mechanically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no technique 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 may create on-demand graphs primarily based on issues like accounts, classes and tags. That function is out there simply on the internet model of the app for now. As a part of this similar replace, Monarch added assist for an aggregator that makes it potential to mechanically replace the worth of your automobile. This, mixed with the prevailing Zillow integration for monitoring your private 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 web value graph.

The cellular app is generally self-explanatory. The principle dashboard exhibits your web 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 targets you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money circulation; prime revenue and expense classes; money circulation tendencies; modifications to your web value, property and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that when you click on on the Accounts tab you may see how your web value modified over completely different intervals of time, together with one month, three months, six months, a yr or all time.

On the primary display screen, you’ll additionally discover tabs for financial savings and checking accounts (and all others as nicely), transactions, money circulation, finances and recurring. Like most of the different apps featured right here, Monarch can auto-detect recurring bills and revenue, even when it will get the class fallacious. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise when you’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 normal 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 motive Plaid fails. Just 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 — seemingly 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 knowledge.

Moreover, Monarch simply added the flexibility to trace Apple Card, Apple Money, and Financial savings accounts, because of new performance introduced with the iOS 17.4 replace. It isn’t the one one both; presently, Copilot and YNAB have additionally added related performance that can be accessible to anybody with the most recent variations of their respective apps on a tool working iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to mechanically 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 targets system are coming quickly. Monarch hasn’t offered a timeline for that final one, besides to say that the improved targets function is coming quickly.

Copilot Cash

Month-to-month value: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS

A superbly designed and fairly priced app with a lot of options in improvement — together with Android and internet apps.

Professionals

• Slick UI
• Standalone Mac app
• Decrease month-to-month value than some competing apps
• Does a superb job visualizing recurring bills
• Non-compulsory Amazon, Venmo and Zillow integration
• “To evaluation” part is helpful

Cons

• No internet or Android app but
• Miscategorized extra bills than our prime choose
• A lot 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 advocate 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 control. It’s only a quick, environment friendly, nicely designed app, and Android customers can be in for a deal with once 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 every thing out of your budgets to your funding efficiency to your bank card debt over time. Particularly, Copilot does a greater job than virtually another 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 may also add your individual classes, full together with your alternative of emoji.) It’s not good. Copilot miscategorized some purchases (all of them do), nevertheless it makes it simpler to edit than most. On prime of that, the interior search function could be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

Copilot can be distinctive in providing Amazon and Venmo integrations, permitting you to see transaction particulars. With Amazon, this requires simply signing into your Amazon account through an in-app browser. For Venmo, it’s a must to arrange fwd@copilot.cash as a forwarding tackle after which create a filter, whereby emails from venmo@venmo.com are mechanically forwarded to fwd@copilot.cash. Like Monarch Cash, it’s also possible to add any property you personal and observe its worth by way of Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless recognize that Copilot marks new transactions for evaluation. It’s a great way to each weed out fraudulent fees, and in addition be considerably intentional about your spending habits.

Like Monarch Cash, Copilot up to date its app to make it simpler to hook up with banks by way of networks aside from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Specific and Constancy which, once more, generally is a bugbear for some finances monitoring apps. In an much more latest replace, Copilot added a Mint import choice, which different budgeting apps have begun to supply as nicely.

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 nearly executed constructing out an in depth money circulation part as nicely. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its sensible expense categorization. These embody “sensible monetary targets,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to provide folks 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 fascinating issues for brand spanking new clients that distinguish it from the competitors. There’s a “demo mode” that appears like a sport simulator; no want so as to add your individual accounts. The corporate can be providing two free months with RIPMINT — a extra beneficiant introductory provide 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 value: $0 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

One of the best free finances monitoring app you may get (and there aren’t many compromises in addition to the ever-present adverts).

Professionals

• Free
• Straightforward to make use of
• Useful weekly insights
• NerdWallet has a deep nicely of useful monetary explainers and guides
• One of many few choices that provides credit score rating monitoring

Cons

• Advertisements all over the place
• 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 provides a mixture of private finance information, explainers and guides. I see it typically after I google a monetary time period I don’t know and positive sufficient, it’s one of many websites I’m almost certainly to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. Actually, there isn’t a paid model; nothing is locked behind a paywall. The principle catch: There are adverts all over the place. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card presents, NerdWallet has a clear, easy-to-understand person interface, which incorporates each an online and a cellular app. The important thing metrics that it highlights most prominently are your money circulation, web value and credit score rating. (Of notice, though Mint itself supplied 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 essentially 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 information, you get some significantly particular class choices when organising 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 may 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 which you could’t customise your finances to the identical diploma as some competing apps. You’ll be able to’t presently create customized spending classes, although a notice 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 objects from the needs 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 one of the vital 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 organising 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 among the solely finances trackers to supply credit score rating monitoring, it additionally wants extra of your private information 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 mechanically detecting my common revenue. In my case, it counted a big one-time wire switch as revenue, at which level my solely different choice was to enter my revenue manually (which is barely annoying as a result of I might have wanted my pay stub helpful to double-check my take-home pay).

YNAB

Month-to-month value: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular 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.

Professionals

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

Cons

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

$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 identify is brief for You Want a Funds, promotes a so-called zero-based budgeting system, which forces you to assign a objective for each greenback you earn. A often used analogy is to place every greenback in an envelope; you may all the time 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 automobile restore. The concept is that when you finances a certain quantity for the unknowns every month, they received’t really feel like they’re sneaking up on you.

Importantly, YNAB is barely involved with the cash you could 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 method 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 interact in forecasting.

The app is tougher to be taught than another 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 obtained 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 evaluation every transaction is just not essentially a foul factor. As YNAB says on its web site, “Positive, you’ve obtained pie charts exhibiting that you simply spent an obscene sum of money in eating places — however you’ve nonetheless spent an obscene sum of money in eating places.” I can see this strategy being helpful for individuals who don’t are inclined to have plenty of money in reserve at a given time, or who’ve spending habits they wish to appropriate (to riff off of YNAB’s personal instance, ordering Seamless 4 instances per week).

My colleague Valentina Palladino, understanding 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 could have main financial savings targets you wish to obtain, whether or not it’s paying for a marriage or shopping for a home. I recommend 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 strong 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. Once I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless an honest choice. The principle overview display screen exhibits you your web value, complete property and money owed; web revenue and complete spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you could have; and any targets. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” strategy, the place you enter your whole recurring payments, after which PocketGuard exhibits you what’s left, and that’s what you’re imagined to be budgeting: your disposable revenue.

Though PocketGuard’s UI is straightforward sufficient to grasp, it lacks polish. The “accounts” tab is a 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 have been accessible. The online model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t reap the benefits of the additional display screen actual property. In the end, 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, referred to as Plaid, to drag in monetary knowledge, 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 right now the business normal 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 expertise is baked into a wide selection of apps, together with the finances trackers I examined for this information. As soon as you discover the “add an account” choice in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search area you need to use to look yours up instantly. As soon as you discover yours, you’ll be prompted to enter your login credentials. You probably have two-factor authentication arrange, you’ll must enter a one-time passcode as nicely.

Because the intermediary, Plaid is a passthrough for info 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 knowledge to different corporations. Nevertheless, I might not be doing my job if I didn’t notice that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for amassing “extra monetary knowledge 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 stated the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are targeted on us accelerating workstreams already underway associated to giving folks extra transparency into Plaid’s function in connecting their accounts, and guaranteeing that our workstreams round knowledge minimization stay on observe.”

Learn how to import your monetary knowledge from the Mint app

Mint customers ought to take into account getting their knowledge able to migrate to their new budgeting app of alternative quickly. Sadly, importing knowledge from Mint is just not as straightforward as coming into your credentials from inside your new app and hitting “import.” Actually, any app that advertises the flexibility to port over your stats from Mint is simply going to have you ever add a CSV file of transactions and different knowledge.

To obtain a CSV file from Mint, do the next:

1. Signal into Mint.com and hit Transactions within the menu on the left aspect 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 enable you to get arrange on the opposite aspect, 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 checklist of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn evaluations of fashionable apps on the App Retailer; and in addition requested pals and colleagues what finances monitoring apps they is likely to be utilizing. A few of the apps I discovered have been free, similar to Mint. These, after all, present a great deal of adverts (excuse me, “presents”) to remain in enterprise. However many of the accessible apps require paid subscriptions, with costs sometimes 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 knowledge into one place; provide budgeting instruments; and observe your spending, web value and credit score rating. Besides the place famous, all of those apps can be found for iOS, Android and on the internet.

As soon as I had my shortlist of six apps, I started working setting them up. For the sake of totally testing these apps (and bear in mind, I actually was on the lookout for a Mint alternative myself), I made a degree of including each account to each budgeting app, irrespective of how small or immaterial the stability. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of coming 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 also can enable you to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll take into account it in future updates.