Best Mint alternatives in 2026
Intuit shut Mint down and pushed users toward Credit Karma, which is not a real budgeting replacement, so millions went looking. Short answer: for the closest free-feeling experience, Rocket Money; for serious budgeting, YNAB or Monarch Money; for the best free option, PocketGuard or a privacy-first manual tracker. This guide covers what to move to and why, by what you relied on Mint for. Full breakdown below.
How we chose: an editor’s selection based on how well each app replaces what Mint actually did, budgeting, automatic tracking, net worth, plus pricing model and platform coverage, and a separate section for rising new finance apps surfaced by real visit traffic from the Census ranking.
New finance apps rising by real visit traffic on Census
Mint refugees are also discovering smaller, privacy-first apps the big roundups miss. Census runs a live count on real traffic, so it surfaces the newcomers drawing real visits now, several of which never ask for your bank login:
Kaspo, Budget & Expense TrackerApp Storea fast, private tracker that logs spending in seconds and keeps the data yours, no bank link.- Your app hereFree, foreverList my app
Statok, AI Money Manager5★ App Storeuses AI to categorize spending and manage balances, a lighter take on what Mint did.
Budget Tracker, Brimanswers the one Mint question people miss most: what is safe to spend right now.
What happened to Mint?
Intuit discontinued Mint and steered its users to Credit Karma, which shows accounts and credit but lacks Mint’s budgeting and category tracking. That gap is why so many people are still searching for a replacement: they did not want a credit-score app, they wanted the free budget-and-track tool Mint was. The good news is that the alternatives below are, in most respects, better than Mint ever was.
What is the closest free alternative to Mint?
Rocket Money comes closest to the free, hands-off Mint feel: it connects to your accounts, categorizes transactions automatically and shows spending at a glance, with a free tier and paid extras like subscription cancellation. If you want something free that does not touch your bank login at all, a privacy-first manual tracker such as PocketGuard or one of the newcomers below gives you the picture without linking credentials. Neither charges to see where your money goes.
What is the best full replacement for Mint?
If you are willing to pay for something better than Mint, two stand out. Monarch Money is the popular Mint refugee choice: strong net-worth tracking, budgeting and planning, cross-platform, and built for couples sharing finances. YNAB is the pick if your real goal is to change your habits, not just watch them, its zero-based method is more work but genuinely reshapes spending. Copilot is the most polished if you live on Apple devices.
Do I have to pay now that Mint is gone?
No. Mint was free because it monetized your data; several alternatives keep a genuine free tier, Rocket Money and PocketGuard among them. You pay only if you want premium automation, multi-account net worth or a budgeting method like YNAB’s. Start with a free option to replace the basics, and upgrade only if a specific feature earns it.
| App | Best as a Mint replacement for | Platforms | Price |
|---|---|---|---|
| Rocket Money | the closest free-feeling all-in-one | iOS, Android | freemium |
| Monarch Money | net worth + planning, for couples | iOS, Android, Web | subscription |
| YNAB | actually changing your spending | iOS, Android, Web | subscription |
| PocketGuard | a simple "what can I spend" | iOS, Android | freemium |
| Copilot | Apple users who want polish | iOS, Mac | subscription |
よくある質問
What is the best free Mint alternative?
Rocket Money is the closest free-feeling all-in-one, with automatic tracking and a free tier. If you would rather not link your bank at all, a privacy-first manual tracker like PocketGuard or one of the newer catalog apps gives you the same visibility without credentials. Neither charges to see where your money goes.
Is Credit Karma a good replacement for Mint?
Not really, for budgeting. Intuit moved Mint users to Credit Karma, but it focuses on accounts and credit scores rather than the category budgeting and spend tracking Mint offered. If budgeting is what you miss, a dedicated app like Monarch, YNAB or Rocket Money is a far better fit.
Which Mint alternative do most people switch to?
Monarch Money became a popular landing spot for Mint refugees who want a full-featured, cross-platform replacement with net worth and planning, and Rocket Money for those who want free automatic tracking. The right one depends on whether you want to pay for depth or stay free.