The 5 finest Mint alternate options to interchange the budgeting app that shut down

As a long-time Mint person, 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 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 commonly to trace spending, set objectives like pay my mortgage down quicker and with basic cash administration.

So I got down to discover the most effective 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 accessible as we speak looking for my subsequent budgeting app.

Our decide for finest Mint various stays Quicken Simplifi, even months after the Mint shutting down, due to its straightforward to make use of app, good revenue and invoice detection and its inexpensive value. However there are many different stable choices on the market for these with completely different wants. For those who’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 will probably be best for you.

Desk of contents

Greatest Mint alternate options in 2025

No pun meant, 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 via to get an in depth overview of all of your stats. These embrace 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 power to arrange financial savings objectives elsewhere within the app. I additionally recognize the way it gives neat, nearly playful visualizations with out ever wanting cluttered. I felt at house within the cellular and net dashboards after a day or so, which is quicker than I tailored to some competing companies (I’m taking a look at you, YNAB and Monarch).

Getting arrange with Simplifi was principally painless. I used to be significantly impressed at how simply it related 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’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 private home worth (or at the very least a tough estimate of it). Numerous 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 apply, Simplifi miscategorized a few of my bills, however nothing out of the atypical in comparison with any of those finances trackers. As you’re reviewing transactions, you too can mark when you’re anticipating a refund, which is a novel 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 with the ability to categorize some, however not all, purchases from a service provider as recurring. As an example, 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 doubtless accommodate your most well-liked budgeting methodology. Simply test that your common revenue is correct and make sure you arrange recurring funds, making word of that are payments and that are subscriptions. That is necessary as a result of Simplifi exhibits you your whole take-home revenue in addition to an “revenue after payments” determine. That quantity consists of, nicely, payments however not discretionary subscriptions. From there, you may add spending targets by class within the “deliberate spending” bucket. Deliberate spending may also embrace one-time expenditures, not simply month-to-month budgets. While you create a finances, 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 you can’t arrange an account via 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 value: Begins at $9 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

A sturdy budgeting app that’s slightly tougher to make use of than our prime decide, however not prohibitively so. (Energy customers may not thoughts.)

Execs

• Numerous element and alternatives for personalisation
• Useful “objectives” characteristic
• You may 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 online 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 listing, 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 online app for fine-tuning particulars.) Monarch additionally didn’t get my revenue proper; I needed to edit it.

When you’re arrange, although, Monarch gives a powerful stage of granularity. Within the budgets part, you may see a bona fide stability sheet exhibiting budgets and actuals for every class. You may additionally discover a forecast, for the 12 months or by month. And recurring bills might be set not simply by service provider, however different parameters as nicely. As an example, whereas most Amazon purchases could be marked as “purchasing,” these for the quantities of $54.18 or $34.18 are positively child provides, and might be routinely marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no option 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 based mostly on issues like accounts, classes and tags. That characteristic is on the market simply on the net model of the app for now. As a part of this identical replace, Monarch added assist for an aggregator that makes it attainable to routinely replace the worth of your automotive. This, mixed with the present Zillow integration for monitoring your private home worth, makes it straightforward to rapidly add a non-liquid asset like a car or actual property, and have it present up in your web value graph.

The cellular app is usually 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 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 traits; 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 12 months or all time.

On the primary display, you’ll additionally discover tabs for financial savings and checking accounts (and all others as nicely), transactions, money circulate, 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 unsuitable. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll customise when 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 via these different two networks, if for some motive Plaid fails. Much like NerdWallet, I discovered myself finishing two-factor authentication each time I needed 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 — doubtless 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 should do no matter the place you select to take your Mint knowledge.

Moreover, Monarch simply added the power to trace Apple Card, Apple Money, and Financial savings accounts, due to new performance introduced with the iOS 17.4 replace. It is not the one one both; at present, Copilot and YNAB have additionally added related performance that will probably be accessible to anybody with the most recent variations of their respective apps on a tool working iOS 17.4. As a substitute of manually importing statements, the brand new performance permits apps like Monarch’s to routinely 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 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 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 numerous options in growth — together with Android and net apps.

Execs

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

Cons

• No net or Android app but
• Miscategorized extra bills than our prime decide
• Numerous in any other case frequent 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 — at the very least for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and net apps are coming quickly. However till it follows via, 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 will probably be in for a deal with after they’ll lastly be capable to obtain it. It makes good use of colours, emoji and graphs that can assist you perceive at a look the way you’re doing on the whole lot out of your budgets to your funding efficiency to your bank card debt over time. Specifically, 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 subtle 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 selection of emoji.) It’s not good. Copilot miscategorized some purchases (all of them do), however it makes it simpler to edit than most. On prime of that, the interior search characteristic could 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, you must arrange fwd@copilot.cash as a forwarding tackle after which create a filter, whereby emails from venmo@venmo.com are routinely forwarded to fwd@copilot.cash. Like Monarch Cash, you too can add any property you personal and monitor its worth via Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless recognize that Copilot marks new transactions for overview. It’s a great way to each weed out fraudulent fees, and likewise 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 via networks aside from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Categorical 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 possibility, 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 staff is sort of achieved constructing out an in depth money circulate 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 embrace “sensible monetary objectives,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to offer 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 12 months.

Copilot does a pair attention-grabbing issues for brand spanking new prospects 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 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 advertisements).

Execs

• Free
• Simple to make use of
• Useful weekly insights
• NerdWallet has a deep nicely of useful monetary explainers and guides
• One of many few choices that gives 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 could know NerdWallet as a website that gives 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 positive sufficient, it’s one of many websites I’m most definitely to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. The truth is, there isn’t a paid model; nothing is locked behind a paywall. The principle catch: There are advertisements all over the place. To be truthful, the free model of Mint was like this, too.

Even with the inescapable bank card gives, 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 circulate, web value and credit score rating. (Of word, though Mint itself provided 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 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 economic data, 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 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 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 you can’t customise your finances to the identical diploma as some competing apps. You may’t at present create customized spending classes, although a word contained in the dashboard part of the app says “you’ll be capable 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 supply 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 assume this can be a dealbreaker, as you’ll solely should 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 needed 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. This can be 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 finances trackers to supply credit score rating monitoring, it additionally wants extra of your private data 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 routinely 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 useful 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 unique, extra hands-on strategy to budgeting. Not for individuals who need a set-and-forget expertise.

Execs

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

Cons

• Steep studying curve
• More durable 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 identify is brief for You Want a Price range, promotes a so-called zero-based budgeting system, which forces you to assign a objective for each greenback you earn. A steadily used analogy is to place every greenback in an envelope; you may at all times transfer cash from one envelope to a different in a pinch. These envelopes can embrace hire and utilities, together with unexpected bills like vacation items and the inevitable automotive restore. The thought is that when you finances a specific amount for the unknowns every month, they received’t really feel like they’re sneaking up on you.

Importantly, YNAB is simply involved with the cash you may 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 via your salaried job will not be related, as a result of YNAB doesn’t interact in forecasting.

The app is tougher to study than another right here, and it requires extra ongoing effort from the person. And YNAB is aware of that. Inside each the cellular and net 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 overview every transaction will not be essentially a foul factor. As YNAB says on its web site, “Certain, 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 likely to have numerous money in reserve at a given time, or who’ve spending habits they need to appropriate (to riff off of YNAB’s personal instance, ordering Seamless 4 instances every week).

My colleague Valentina Palladino, figuring out 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 may have main financial savings objectives you need 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 stable 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. After I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless an honest possibility. The principle overview display exhibits you your web value, whole property and money owed; web revenue and whole spending for the month; upcoming payments; a useful reminder of when your subsequent paycheck lands; any debt payoff plan you may have; and any objectives. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” strategy, the place you enter your entire recurring payments, after which PocketGuard exhibits you what’s left, and that’s what you’re presupposed to be budgeting: your disposable revenue.

Though PocketGuard’s UI is straightforward sufficient to know, it lacks polish. The “accounts” tab is slightly 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 net model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t benefit from the additional display actual property. Finally, 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 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 as we speak 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 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” possibility in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search area you should use to look yours up instantly. As soon as you discover yours, you’ll be prompted to enter your login credentials. In case you have two-factor authentication arrange, you’ll have to enter a one-time passcode as nicely.

Because the intermediary, Plaid is a passthrough for data which 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 knowledge 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 amassing “extra monetary knowledge 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 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 monitor.”

Learn how to import your monetary knowledge from the Mint app

Mint customers ought to think about getting their knowledge able to migrate to their new budgeting app of selection quickly. Sadly, importing knowledge from Mint will not be as straightforward as coming into your credentials from inside your new app and hitting “import.” The truth is, any app that advertises the power 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 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.

Notice: Downloading on a per-account foundation may appear extra annoying, however may enable you to 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 well-liked apps on the App Retailer; and likewise requested pals and colleagues what finances monitoring apps they could be utilizing. Among the apps I discovered have been free, similar to Mint. These, in fact, present a great deal of advertisements (excuse me, “gives”) to remain in enterprise. However a lot of the accessible apps require paid subscriptions, with costs sometimes topping out round $100 a 12 months, 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 entire account knowledge into one place; supply budgeting instruments; and monitor 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 net.

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 searching for a Mint alternative myself), I made a degree of including each account to each budgeting app, regardless 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. For those who pay for the premium tier, the service may also enable you to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll think about it in future updates.