Mint Is Gone: 8 Best Alternatives in 2026

Intuit shut down Mint in March 2024 and migrated users to Credit Karma. For millions of people who relied on Mint as their primary budget tracker, the transition was rough. Credit Karma absorbed some features, but it's fundamentally a credit monitoring tool, not a budget tracker.

If you're one of the former Mint users still looking for a real replacement (or you're new to budgeting and heard Mint recommended in old articles), here are the actual alternatives that do what Mint did, and in most cases, do it better.

What Made Mint Good

Before comparing alternatives, it helps to know what people actually used Mint for:

Bank account aggregation (see all accounts in one place)
Automatic transaction categorization
Monthly spending breakdowns by category
Budget setting with alerts
Bill reminders
Credit score monitoring
Free (ad-supported)

The killer feature was the combination of "free" and "automatic." You connected your bank accounts and Mint did the rest. No manual entry. No spreadsheets.

The Alternatives

1. BudJet (Best for receipt-level detail)

What it replaces from Mint: Spending categorization, budgets, reports

How it's different: Instead of connecting to bank accounts, BudJet uses AI receipt scanning to track expenses. Snap a photo of your receipt and it extracts every line item, categorizes them, and adds them to your budget. This gives you more detail than Mint ever did. Mint would show "Walmart: $87." BudJet shows what you bought at Walmart.

Key features:

AI receipt scanning with line-item extraction
Smart categorization with budget limits
Grocery nutrition tracking
Subscription management
Multi-currency support (9 currencies)
Household expense sharing
Works offline (PWA)

Cost: Free tier available. Premium for advanced features.

Missing vs Mint: No bank account aggregation (receipt-based instead). No credit score monitoring.

2. YNAB (You Need a Budget) (Best for intentional budgeting)

What it replaces from Mint: Budget tracking, spending categories

How it's different: YNAB uses zero-based budgeting: every dollar gets assigned to a category before you spend it. Mint was reactive (showing you what you already spent). YNAB is proactive (telling you what you can spend). This is a fundamentally different approach and it works better for most people.

Key features:

Zero-based budgeting
Bank syncing (automatic transaction import)
Goal tracking (save for vacation, pay off debt)
Direct import from 12,000+ banks
Detailed reports and trends
Excellent educational resources

Cost: $14.99/month or $99/year (34-day free trial)

Missing vs Mint: Not free. No credit score. Steeper learning curve.

3. Credit Karma (Mint's official successor)

What it replaces from Mint: Credit score monitoring, some spending tracking

How it's different: Intuit moved Mint users here. Credit Karma is primarily a credit monitoring and financial product comparison tool. They added basic spending tracking and budgeting features from Mint, but it's clearly secondary to the credit score and product recommendation features.

Key features:

Free credit score monitoring (TransUnion, Equifax)
Basic spending categorization
Some budget tracking features
Tax filing (acquired from Mint)
Financial product recommendations (how they make money)

Cost: Free

Missing vs Mint: Budget features are basic. The app pushes credit cards and loans aggressively. Not a serious budgeting tool.

4. Monarch Money (Best full Mint replacement)

What it replaces from Mint: Everything. Bank aggregation, budgets, tracking, net worth.

How it's different: Monarch was built specifically to replace Mint. It does bank aggregation, automatic categorization, budgeting, investment tracking, and net worth monitoring. The interface is modern and polished. It's the closest thing to "Mint but better."

Key features:

Bank account aggregation (similar to Mint)
Automatic transaction categorization
Flexible budget system (monthly, custom periods)
Investment tracking and net worth
Collaborative (share with partner)
Financial goals
Clean, modern interface

Cost: $14.99/month or $99.99/year (7-day free trial)

Missing vs Mint: Not free. No credit score monitoring.

5. Goodbudget (Best free envelope budgeting)

What it replaces from Mint: Budget tracking

How it's different: Uses the envelope budgeting method. You create virtual envelopes for each spending category and fill them with your income. When an envelope is empty, you stop spending in that category. Simple, visual, and effective.

Key features:

Virtual envelope budgeting
Manual and bank-imported transactions
Shared budgets (household access)
Debt tracking
Reports by envelope/category

Cost: Free (10 envelopes, 1 account). $10/month (unlimited)

Missing vs Mint: No automatic bank syncing on free plan. No credit score. No investments.

6. Copilot Money (Best for Apple users)

What it replaces from Mint: Bank aggregation, spending tracking, budgets

How it's different: iOS-only app built with Apple's design philosophy. Beautiful interface, fast bank syncing, and smart categorization that learns your patterns. Frequently rated the best-looking finance app on iOS.

Key features:

Bank syncing (Plaid-based)
Automatic categorization (learns over time)
Subscription tracking
Net worth tracking
Investment performance
Apple Watch widget

Cost: $10.99/month or $79.99/year

Missing vs Mint: iOS only (no Android, no web). Not free. No credit score.

7. EveryDollar (Best for Dave Ramsey fans)

What it replaces from Mint: Budget tracking

How it's different: EveryDollar is built on Dave Ramsey's financial philosophy. Zero-based budgeting focused on debt payoff (the "baby steps"). If you follow Ramsey's method, this is the tool built for it.

Key features:

Zero-based budgeting
Baby Steps tracker (Ramsey's debt payoff method)
Bank syncing (premium)
Custom budget lines
Simple, focused interface

Cost: Free (manual entry only). $17.99/month (Ramsey+ with bank sync)

Missing vs Mint: Free version requires manual entry. No investments. No credit score. Very opinionated approach.

8. PocketGuard (Best for "how much can I spend?")

What it replaces from Mint: Spending tracking, simple budgets

How it's different: PocketGuard answers one question: "How much do I have left to spend today?" It connects to your accounts, subtracts bills and savings goals, and shows you your "In My Pocket" number. That's the money available for discretionary spending.

Key features:

"In My Pocket" daily spending allowance
Bank syncing
Bill tracking and reminders
Subscription detection
Savings goals
Spending insights

Cost: Free (basic). $7.99/month (Plus with full features)

Missing vs Mint: Limited customization. No investments. No credit score on free plan.

Comparison Table

App	Bank Sync	Free Tier	Budgets	Investments	Best For
BudJet	No (receipts)	Yes	Yes	No	Receipt-level detail
YNAB	Yes	Trial only	Best	No	Intentional budgeting
Credit Karma	Basic	Yes	Basic	No	Credit score (not budgets)
Monarch	Yes	Trial only	Yes	Yes	Full Mint replacement
Goodbudget	Limited	Yes	Envelopes	No	Simple, free budgeting
Copilot	Yes	Trial only	Yes	Yes	iOS users
EveryDollar	Premium only	Yes (manual)	Zero-based	No	Ramsey method
PocketGuard	Yes	Yes	Simple	No	Quick spending check

My Recommendation

If budget was the main thing you used Mint for: YNAB or Goodbudget. YNAB costs money but it's the most effective budgeting system. Goodbudget is free and simpler.

If you want the closest Mint experience: Monarch Money. Bank aggregation, automatic categorization, budgets, investments. It's Mint with a modern coat of paint. Not free, but worth it.

If you want detailed spending analysis without bank connections: BudJet. Receipt scanning gives you line-item level detail that bank aggregation can't. You see exactly what you bought, not just where you bought it.

If you're on iPhone and want the best design: Copilot. Beautiful, fast, and genuinely pleasant to use.

If you only care about credit scores: Stay on Credit Karma. It's free and it's what it does best. Just don't expect it to be a real budget tracker.

The Transition Checklist

Switching from Mint (or any budget app):

Export your Mint/Credit Karma data before it disappears (CSV export if available)
Pick one replacement app and set it up completely
Import historical data if possible (some apps accept CSV imports)
Set up your budget categories to match what you used before
Use the new app daily for 30 days before evaluating. Every app feels clunky for the first week.
Don't run two apps simultaneously for more than a month. Pick one and commit. Two apps means neither gets used properly.

The best budget app is the one you actually use. Mint was great because it was free and automatic. But "free and automatic" isn't the only path. A $15/month app that you actually check daily will save you far more money than a free app collecting dust on your phone.