The most effective Mint alternate options

As a long-time Mint consumer, I used to be annoyed to say the least when information broke on the finish of 2023 that Intuit would shut Mint down. I, like tens of millions 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 usually to trace spending, set objectives like pay my mortgage down sooner and with normal cash administration.

So I got down to discover one of the best 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 among the hottest Mint alternative apps out there at this time looking for my subsequent budgeting app.

Our decide for finest Mint various stays Quicken Simplifi, even lengthy after Mint shutting down, because of its simple 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. In case you’re additionally on the hunt for a budgeting app to interchange Mint, we hope these particulars might help you resolve which of the best budgeting apps on the market might be best for you.

Desk of contents

Greatest 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 consumer interface, with a touchdown web page that you just simply hold scrolling by way of to get an in depth overview of all of your stats. These embrace your top-line balances; internet value; current 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 admire is the flexibility to arrange financial savings objectives elsewhere within the app. I additionally admire the way it provides neat, nearly playful visualizations with out ever wanting 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 notably impressed at how simply it linked to Constancy; not all price range 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’d add to my preliminary evaluation of the app, having used it for a couple of months now: I want Simplifi provided Zillow integration for simply monitoring your house worth (or no less than a tough estimate of it). Numerous opponents together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API out there 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 peculiar in comparison with any of those price range trackers. As you’re reviewing transactions, you can too mark in case you’re anticipating a refund, which is a singular characteristic 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 having 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 characteristic can also be self-explanatory and might seemingly accommodate your most well-liked budgeting technique. Simply test that your common revenue is correct and be sure you arrange recurring funds, making word of that are payments and that are subscriptions. That is vital as a result of Simplifi exhibits you your complete take-home revenue in addition to an “revenue after payments” determine. That quantity contains, effectively, payments however not discretionary subscriptions. From there, you may add spending targets by class within the “deliberate spending” bucket. Deliberate spending may embrace one-time expenditures, not simply month-to-month budgets. If you create a price range, Simplifi will counsel a quantity based mostly on a six-month common.

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

Monarch Cash

Month-to-month price: 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 just a little more durable to make use of than our prime decide, however not prohibitively so. (Energy customers may not thoughts.)

Execs

• Plenty of element and alternatives for personalisation
• Useful “objectives” characteristic
• 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 price range trackers
• The cellular app feels restricted and fewer intuitive than the net model
• Doesn’t appear to tell apart 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 tougher to make use of than others on this listing, together with Simplifi, NerdWallet and Copilot. And it’s. Modifying 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 provides a formidable degree of granularity. Within the budgets part, you may see a bona fide steadiness sheet displaying budgets and actuals for every class. You may additionally discover a forecast, for the yr or by month. And recurring bills may be set not simply by service provider, however different parameters as effectively. As an illustration, whereas most Amazon purchases could be marked as “buying,” these for the quantities of $54.18 or $34.18 are undoubtedly child provides, and may be mechanically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no solution to mark sure recurring funds as payments, particularly.

Not lengthy after I first revealed this story in December 2023, Monarch introduced an in depth reporting part the place you may create on-demand graphs based mostly on issues like accounts, classes and tags. That characteristic is offered simply on the net model of the app for now. As a part of this identical replace, Monarch added help for an aggregator that makes it potential to mechanically replace the worth of your automotive. This, mixed with the prevailing Zillow integration for monitoring your house worth, makes it simple to shortly add a non-liquid asset like a car or actual property, and have it present up in your internet value graph.

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

On the principle display, you’ll additionally discover tabs for financial savings and checking accounts (and all others as effectively), transactions, money circulate, price range and recurring. Like lots 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 customise in case you’re so inclined.

Monarch Cash makes use of a mixture 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 customary on this house, towards the top 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 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 information.

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; at the moment, Copilot and YNAB have additionally added comparable performance that might be out there to anybody with the newest 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 steadiness historical past. That ought to make it simpler to account for spending on Apple playing cards and accounts all through the month.

Monarch additionally lately launched funding transactions in beta. It additionally says invoice monitoring and an overhauled objectives system are coming quickly. Monarch hasn’t supplied a timeline for that final one, besides to say that the improved objectives characteristic is coming quickly.

Copilot Cash

Month-to-month price: 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 growth — together with Android and internet apps.

Execs

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

Cons

• No internet or Android app but
• Miscategorized extra bills than our prime decide
• Plenty of in any other case widespread options are nonetheless in growth

$95 a year or $13 a month at Copilot Money

Copilot Money could 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 suggest 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, effectively designed app, and Android customers might be in for a deal with after 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 all the things out of your budgets to your funding efficiency to your bank card debt over time. Particularly, Copilot does a greater job than nearly another app of visualizing your recurring month-to-month bills.

Behind these punchy colours and cutesy emoji, although, is a few refined efficiency. Copilot’s AI-powered “Intelligence” will get smarter as you go at categorizing your bills. (You may also add your personal classes, full along 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 inner search characteristic may be very quick; it begins whittling down ends in your transaction historical past as quickly as you start typing.

Copilot can also 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 important 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, you can too 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 admire that Copilot marks new transactions for overview. It’s a great way to each weed out fraudulent costs, 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 mentioned it has improved its connections to each American Specific and Constancy which, once more, is usually a bugbear for some price range monitoring apps. In an much more current replace, Copilot added a Mint import possibility, which different budgeting apps have begun to supply as effectively.

As a result of the app is comparatively new (it launched in early 2020), the corporate remains to be catching as much as the competitors on some table-stakes options. Ugarte instructed me that his staff is sort of finished constructing out an in depth money circulate part as effectively. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its good expense categorization. These embrace “good monetary objectives,” 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 new clients that distinguish it from the competitors. There’s a “demo mode” that looks like a sport simulator; no want so as to add your personal accounts. The corporate can also be providing two free months with RIPMINT — a extra beneficiant introductory supply 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 price: $0 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

The most effective free price range monitoring app you may get (and there aren’t many compromises in addition to the ever-present adverts).

Execs

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

Cons

• Adverts in every single place
• No customization for spending classes
• Much less adept at detecting common revenue
• One of many extra tedious setup processes

Free at NerdWallet

You could know NerdWallet as a website that provides a mixture of private finance information, explainers and guides. I see it usually once I google a monetary time period I don’t know and certain 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. In truth, there isn’t a paid model; nothing is locked behind a paywall. The principle catch: There are adverts in every single place. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card provides, NerdWallet has a clear, easy-to-understand consumer interface, which incorporates each an online and a cellular app. The important thing metrics that it highlights most prominently are your money circulate, internet value and credit score rating. (Of word, though Mint itself provided credit score rating monitoring, most of its rivals don’t.) I notably loved the weekly insights, which delve into issues like the place you spent probably 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 notably particular class choices when organising your accounts (suppose: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit primary. 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 price range towards stuff you want, 30% towards stuff you need, and the remaining 20% into financial savings or debt repayments. If this works for you, nice — simply know that you would be able to’t customise your price range to the identical diploma as some competing apps. You’ll be able to’t at the moment create customized spending classes, although a word 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 gadgets 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 offer an ETA, although.

Lastly, it’s value noting that NerdWallet had one of the crucial onerous setup processes of any app I examined. I don’t suppose 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, 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 without doubt one of the solely price range 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 possibility was to enter my revenue manually (which is barely annoying as a result of I’d have wanted my pay stub helpful to double-check my take-home pay).

YNAB

Month-to-month price: 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 unique, extra hands-on strategy to budgeting. Not for individuals who need a set-and-forget expertise.

Execs

• Notably robust 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 net

$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 title is brief for You Want a Finances, promotes a so-called zero-based budgeting system, which forces you to assign a objective for each greenback you earn. A regularly 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 embrace hire and utilities, together with unexpected bills like vacation presents and the inevitable automotive restore. The concept is that in case you price range a certain quantity for the unknowns every month, they gained’t really feel like they’re sneaking up on you.

Importantly, YNAB is just involved with the cash you might have in your accounts now. The app doesn’t ask you to offer 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 have interaction in forecasting.

The app is more durable to study than another right here, and it requires extra ongoing effort from the consumer. 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 received snug with the consumer interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new price range every month and to overview every transaction is just not essentially a nasty factor. As YNAB says on its web site, “Positive, you’ve received pie charts displaying that you just 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 a whole lot of money in reserve at a given time, or who’ve spending habits they wish to right (to riff off of YNAB’s personal instance, ordering Seamless 4 occasions per week).

My colleague Valentina Palladino, realizing 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 might have main financial savings objectives you wish to obtain, whether or not it’s paying for a marriage or shopping for a home. I counsel you give her column a learn. For me, although, YNAB’s strategy looks like overkill.

Different Mint alternate options we examined

PocketGuard

PocketGuard was once a strong free price range 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. After I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless a good possibility. The principle overview display exhibits you your internet value, complete property and money owed; internet revenue and complete spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you might have; and any objectives. 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 speculated to be budgeting: your disposable revenue.

Though PocketGuard’s UI is simple sufficient to know, it lacks polish. The “accounts” tab is just a little 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 out there. The online model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t make the most of the additional display 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 tug in monetary information, 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 at this time the business customary 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 know-how is baked into a big selection of apps, together with the price range trackers I examined for this information. As soon as you discover the “add an account” possibility 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 straight. 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 effectively.

Because the intermediary, Plaid is a passthrough for data that will embrace your account balances, transaction historical past, account kind and routing or account quantity. Plaid makes use of encryption, and says it has a coverage of not promoting or renting buyer information to different corporations. Nonetheless, I’d not be doing my job if I didn’t word that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for accumulating “extra monetary information than was wanted.” As a part of the settlement, Plaid was compelled to alter a few of its enterprise practices.

In an announcement supplied to Engadget, a Plaid spokesperson mentioned 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 position in connecting their accounts, and making certain that our workstreams round information minimization stay on observe.”

The way to import your monetary information from the Mint app

Mint customers ought to contemplate getting their information able to migrate to their new budgeting app of alternative quickly. Sadly, importing information from Mint is just not as simple as getting into your credentials from inside your new app and hitting “import.” In truth, 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 information.

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

1. Signal into Mint.com and hit Transactions within the menu on the left facet of the display.

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.

Be aware: Downloading on a per-account foundation might sound extra annoying, however might assist you get arrange on the opposite facet, 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 listing of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn opinions of widespread apps on the App Retailer; and in addition requested mates and colleagues what price range monitoring apps they could be utilizing. Among the apps I discovered have been free, identical to Mint. These, in fact, present a great deal of adverts (excuse me, “provides”) to remain in enterprise. However many of the out there apps require paid subscriptions, with costs usually topping out round $100 a yr, or $15 a month. (Spoiler: My prime decide is cheaper than that.)

Since this information is supposed to assist Mint customers discover a everlasting alternative, any companies I selected to check wanted to do a number of issues: import your whole account information into one place; supply budgeting instruments; and observe your spending, internet value and credit score rating. Besides the place famous, all of those apps can be found for iOS, Android and on the net.

As soon as I had my shortlist of six apps, I set to work setting them up. For the sake of totally testing these apps (and keep in mind, I actually was in search of a Mint alternative myself), I made some extent of including each account to each budgeting app, regardless of how small or immaterial the steadiness. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of getting into passwords and one-time passcodes, for a similar banks half a dozen occasions 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 steadiness alerts and account linking. In case you pay for the premium tier, the service may assist you cancel undesirable subscriptions. We didn’t take a look at it for this information, however we’ll contemplate it in future updates.