What is the closest free Mint alternative?

Expensly is the closest free replacement if you valued Mint for its simplicity. It's free, requires no account, and stores everything locally on your iPhone.

What is the best paid Mint alternative?

Monarch Money is the most popular paid replacement at $99/year, with bank sync, multi-user households, and goal tracking. YNAB ($99/year) wins for serious budgeters using zero-based budgeting.

Why did Mint shut down?

Intuit chose to consolidate its consumer products into Credit Karma. The Mint product was retired on January 1, 2024 and users were migrated, though Credit Karma is a credit-monitoring product, not a budgeting app.

Which Mint alternative has the best privacy?

Expensly. Because it's offline-first with no servers and no accounts, your transaction data never leaves your phone. Cloud-based alternatives all store your data on their servers.

The 7 Best Mint Alternatives in 2026 (Free + Paid, Honest Review)

Pick by what you valued

There is no single best Mint replacement

Mint did three different things at once: it was a free expense tracker, a credit-score monitor, and a budgeting app. When it shut down, no single replacement did all three. So the right alternative depends entirely on which of those Mint features you actually used. We'll cover seven options below — free and paid, online and offline, simple and serious — with a clear note on who each one is best for.

The list

7 Mint alternatives, ranked by what they're best at

1. Expensly — Best free, private, no-sign-up replacement

Price: Free · Platform: iPhone (Android coming) · Sync: None — local only

If you loved Mint because it was free and simple, Expensly is the closest match. No account, no email, no bank login. Everything stays on your phone. Track expenses, set monthly category budgets, see trends. It's deliberately the smallest, simplest tool on this list — which for most former Mint users is exactly the point. Full Mint vs Expensly comparison →

2. Monarch Money — Best paid replacement with bank sync

Price: $14.99/mo or $99.99/yr · Platform: iOS, Android, web · Sync: Plaid bank connections

Monarch is the most popular Mint successor for people who want auto-imported transactions and a polished web app. Founded by ex-Mint engineers. Multi-account households, goal tracking, investment tracking, joint budgets. Worth the price if you genuinely use the bank-sync features.

3. YNAB (You Need A Budget) — Best for serious zero-based budgeting

Price: $14.99/mo or $99/yr · Platform: iOS, Android, web · Sync: Cloud + bank import

Not really a Mint replacement — YNAB is a budgeting method, not just a tracker. The zero-based approach genuinely changes how people think about money, but it has a real learning curve. If your goal is debt payoff or behavior change, this is the strongest option on the list. Expensly vs YNAB comparison →

4. Copilot Money — Best Apple-native experience

Price: $13/mo or $95/yr · Platform: iOS, macOS · Sync: Plaid bank connections

Beautifully designed iOS-first app that won Apple Editor's Choice. AI auto-categorization, deep iOS integration (Siri, widgets, Apple Card import). The catch: iOS-only and on the pricier end. If you live in the Apple ecosystem and want a premium feel, this is the one.

5. Rocket Money (formerly Truebill) — Best for finding subscriptions to cancel

Price: Free tier + $4-12/mo premium · Platform: iOS, Android, web · Sync: Bank connections

The killer feature is subscription cancellation — Rocket Money will negotiate or cancel recurring charges on your behalf. Decent budget tracking on top, but the upsell pressure is heavy. Use it for the subscription audit, not as a primary tracker.

6. Empower (formerly Personal Capital) — Best for net worth & investments

Price: Free (with optional advisor upsells) · Platform: iOS, Android, web · Sync: Bank + brokerage connections

If you cared about the investment side of Mint — net worth tracking, portfolio analysis, retirement projections — Empower is the strongest free option. Their wealth managers will call you about advisory services; saying no is fine. Weak on day-to-day expense tracking.

7. Goodbudget — Best digital envelope-method budgeting

Price: Free tier + $10/mo or $80/yr · Platform: iOS, Android, web · Sync: Manual entry, cloud sync

Modern take on the envelope budgeting method, with cloud sync for couples sharing budgets. Manual entry like Expensly, but with multi-device sync via your account. Good middle ground if you want shared budgets with a partner without committing to YNAB.

How to choose

A 30-second decision guide

Want free + simple + private? Expensly.
Want bank sync and a polished web app? Monarch.
Want a real budgeting method to change your spending? YNAB.
Live in the Apple ecosystem and want premium feel? Copilot.
Cancel subscriptions you forgot about? Rocket Money.
Track investments and net worth? Empower.
Share envelope budgets with a partner? Goodbudget.

The honest truth most "best of" lists don't tell you: most people in the post-Mint diaspora wanted "free expense tracker that just works." That category got dramatically thinner after Mint shut down — and that's exactly the gap Expensly was built to fill.

FAQ

Common questions

Are there any expense trackers that don't require a bank login?

Yes — Expensly and Goodbudget are both manual-entry. Goodbudget syncs across devices via account; Expensly is offline-only with no account.

Did Credit Karma replace Mint's budgeting features?

No. Intuit migrated Mint accounts to Credit Karma, but Credit Karma is a credit-score and offer-recommendation product. The budgeting and category tracking that Mint users loved did not survive the migration.

Is there a Mint alternative that's actually free with no upsells?

Expensly is genuinely free with no premium tier. Empower is free but pushes advisory services. Most other "free" trackers are freemium.

Which option is most private?

Expensly. Because it's local-only with no servers, the data architecture itself prevents leaks. More on the privacy model →

The 7 Best Mint Alternatives in 2026