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 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 frequently to trace spending, set targets like pay my mortgage down sooner and with normal cash administration.
So I got down to discover the perfect Mint alternate options within the wake of its disappointing demise. I gave Credit score 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 obtainable at this time seeking my subsequent budgeting app.
Our choose for finest Mint various stays Quicken Simplifi, even lengthy after Mint shutting down, due to its straightforward to make use of app, good earnings and invoice detection and its inexpensive value. However there are many different strong choices on the market for these with totally different wants. Should you’re additionally on the hunt for a budgeting app to interchange Mint, we hope these particulars will help you determine which of the perfect budgeting apps on the market shall be best for you.
Desk of contents
Finest Mint alternate options in 2025
Quicken
Month-to-month price: $4 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS, Android
A whole, easy-to-use app that prices lower than the competitors — and feels essentially the most like Mint.
Execs
- Straightforward-to-use app with a mild studying curve
- Does an excellent job detecting recurring earnings and payments
- Inexpensive than the competitors
- Enables you to share app entry with a partner or monetary advisor
- Helpful refund tracker
Cons
- No free trial
- You’ll be able to’t create an account utilizing your Apple or Google ID
- No Zillow integration
$72/yr at Quicken
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 person interface, with a touchdown web page that you just simply maintain scrolling by means of to get an in depth overview of all of your stats. These embody your top-line balances; web price; latest spending; upcoming recurring funds; a snapshot of your spending plan; high spending classes; achievements; and any watchlists you’ve arrange.
One other one of many key options I respect is the power to arrange financial savings targets elsewhere within the app. I additionally respect the way it provides neat, nearly playful visualizations with out ever trying cluttered. I felt at dwelling within the cell 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 related to Constancy; not all finances trackers do, for no matter motive. That is additionally one of many solely companies I examined that offers you the choice of inviting a partner or monetary advisor to co-manage your account. One factor I might add to my preliminary evaluation of the app, having used it for a couple of months now: I want Simplifi supplied Zillow integration for simply monitoring your own home worth (or not 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 obtainable to be used. Because it stands, Simplifi customers should add actual property manually like every other asset.
Dana Wollman / Engadget
In follow, Simplifi miscategorized a few of my bills, however nothing out of the unusual in comparison with any of those finances trackers. As you’re reviewing transactions, you may also mark in case you’re anticipating a refund, which is a singular characteristic among the many companies I examined. Simplifi additionally estimated my common earnings 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 may possible accommodate your most popular budgeting technique. Simply verify that your common earnings is correct and make sure to arrange recurring funds, making notice of that are payments and that are subscriptions. That is necessary as a result of Simplifi reveals you your complete take-home earnings in addition to an “earnings after payments” determine. That quantity consists of, properly, payments however not discretionary subscriptions. From there, you possibly can add spending targets by class within the “deliberate spending” bucket. Deliberate spending may also embody one-time expenditures, not simply month-to-month budgets. Once you create a finances, Simplifi will counsel a quantity primarily based 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 by means of Apple or Google. There’s additionally no choice for a free trial, although Quicken guarantees a “30-day a reimbursement assure.”
Monarch Cash
Month-to-month price: Begins at $9 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS, Android
A sturdy budgeting app that’s slightly more durable to make use of than our high choose, however not prohibitively so. (Energy customers won’t thoughts.)
Execs
- Numerous element and alternatives for personalization
- Useful “targets” characteristic
- You’ll be able to grant account entry to different individuals
- Chrome extension for importing from Mint
- Month-in-review recap is extra thorough than most
- Automotive worth syncing
- Zillow integration
Cons
- Steeper studying curve than another finances trackers
- The cell app feels restricted and fewer intuitive than the online model
- Doesn’t appear to tell apart between payments and different recurring bills
- Some bugginess on cell round creating guidelines for expense classes
$100 a yr or $15 a month at Monarch Cash
Monarch Cash 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 record, together with Simplifi, NerdWallet and Copilot. And it’s. Modifying expense classes, including recurring transactions and creating guidelines, for instance, is a bit more difficult than it must be, particularly within the cell app. (My recommendation: Use the online app for fine-tuning particulars.) Monarch additionally didn’t get my earnings proper; I needed to edit it.
When you’re arrange, although, Monarch provides a powerful degree of granularity. Within the budgets part, you possibly can see a bona fide steadiness sheet displaying budgets and actuals for every class. You will additionally discover a forecast, for the yr or by month. And recurring bills could be set not simply by service provider, however different parameters as properly. As an illustration, whereas most Amazon purchases could be marked as “buying,” these for the quantities of $54.18 or $34.18 are positively child provides, and could be robotically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no method to mark sure recurring funds as payments, particularly.
Dana Wollman / Engadget
Not lengthy after I first revealed this story in December 2023, Monarch launched an in depth reporting part the place you possibly can create on-demand graphs primarily based 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 robotically replace the worth of your automotive. This, mixed with the present Zillow integration for monitoring your own home worth, makes it straightforward to rapidly add a non-liquid asset like a automobile or actual property, and have it present up in your web price graph.
The cell app is generally self-explanatory. The principle dashboard reveals your web price; your 4 most up-to-date transactions; a month-over-month spending comparability; earnings month-to-date; upcoming payments; an investments snapshot; a listing of any targets you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money move; high earnings and expense classes; money move developments; adjustments to your web price, property and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the web price graph, in order that in case you click on on the Accounts tab you possibly can see how your web price modified over totally 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 properly), transactions, money move, finances and recurring. Like lots of the different apps featured right here, Monarch can auto-detect recurring bills and earnings, even when it will get the class mistaken. (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 trade commonplace on this area, towards the top of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach by means of these different two networks, if for some motive Plaid fails. Just 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 — possible 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 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 isn’t the one one both; presently, Copilot and YNAB have additionally added comparable performance that shall be obtainable to anybody with the newest variations of their respective apps on a tool operating iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to robotically 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 not too long ago launched funding transactions in beta. It additionally says invoice monitoring and an overhauled targets system are coming quickly. Monarch hasn’t offered a timeline for that final one, besides to say that the improved targets 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 | Cell app: iOS
A fantastically designed and fairly priced app with a number of options in improvement — together with Android and internet apps.
Execs
- Slick UI
- Standalone Mac app
- Decrease month-to-month value than some competing apps
- Does an excellent job visualizing recurring bills
- Non-obligatory Amazon, Venmo and Zillow integration
- “To evaluation” part is useful
Cons
- No internet or Android app but
- Miscategorized extra bills than our high choose
- Numerous in any other case widespread options are nonetheless in improvement
$95 a yr or $13 a month at Copilot Cash
Copilot Cash could be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — not 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 means of, I can’t advocate Copilot for most individuals with so many good opponents on the market.
Copilot Cash for Net and Android!
Due to the assist from our customers, and the overwhelming optimistic reception we’re seeing from of us migrating from Mint, we will now say that we’ll be constructing @copilotmoney for Net and Android with a objective to launch in 2024.
We’ll proceed to…
— Andres Ugarte (@chuga) November 15, 2023
There are different options that Copilot is lacking, which I’ll get into. However it’s promising, and one to keep watch over. It’s only a quick, environment friendly, properly designed app, and Android customers shall be in for a deal with after they’ll lastly be capable of 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 every little thing out of your budgets to your funding efficiency to your bank card debt over time. Particularly, Copilot does a greater job than nearly every other 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 too can add your personal classes, full together with your selection of emoji.) It’s not excellent. Copilot miscategorized some purchases (all of them do), nevertheless it makes it simpler to edit than most. On high of that, the interior search characteristic may be very quick; it begins whittling down ends in your transaction historical past as quickly as you start typing.
Dana Wollman / Engadget
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 by way of an in-app browser. For Venmo, it’s a must to arrange fwd@copilot.cash as a forwarding tackle after which create a filter, whereby emails from venmo@venmo.com are robotically forwarded to fwd@copilot.cash. Like Monarch Cash, you may also add any property you personal and monitor its worth by means of Zillow, which is built-in with the app.
Whereas the app is closely automated, I nonetheless respect that Copilot marks new transactions for evaluation. It’s a great way to each weed out fraudulent expenses, 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 means of networks apart from Plaid. As a part of the identical replace, Copilot mentioned 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 choice, which different budgeting apps have begun to supply as properly.
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 informed me that his crew is nearly accomplished constructing out an in depth money move part as properly. On its web site, 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 embody “sensible monetary targets,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to offer individuals 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 spanking new prospects that distinguish it from the competitors. There’s a “demo mode” that appears like a recreation 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 provide 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 | Cell app: iOS, Android
The most effective free finances monitoring app you will get (and there aren’t many compromises apart from the ever-present advertisements).
Execs
- Free
- Straightforward to make use of
- Useful weekly insights
- NerdWallet has a deep properly of useful monetary explainers and guides
- One of many few choices that gives credit score rating monitoring
Cons
- Advertisements in every single place
- No customization for spending classes
- Much less adept at detecting common earnings
- One of many extra tedious setup processes
Free at NerdWallet
You might know NerdWallet as a web site 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 certainly to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. Actually, there isn’t any paid model; nothing is locked behind a paywall. The principle catch: There are advertisements in every single place. To be truthful, the free model of Mint was like this, too.
Even with the inescapable bank card provides, NerdWallet has a clear, easy-to-understand person interface, which incorporates each an online and a cell app. The important thing metrics that it highlights most prominently are your money move, web price and credit score rating. (Of notice, though Mint itself supplied 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 essentially 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 data, you get some notably particular class choices when establishing your accounts (suppose: a Roth or non-Roth IRA).
Dana Wollman / Engadget
As a budgeting app, NerdWallet is greater than serviceable, if a bit fundamental. Like different apps I examined, you possibly can 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’ll be able to’t presently create customized spending classes, although a notice contained in the dashboard part of the app says “you’ll be capable of customise them sooner or later.” You can also’t transfer objects from the desires 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 price noting that NerdWallet had one of the onerous setup processes of any app I examined. I don’t suppose this can be a dealbreaker, as you’ll solely need to do it as soon as and, hopefully, you aren’t establishing 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. It is a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.
Exactly as a result of NerdWallet is likely 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 robotically detecting my common earnings. In my case, it counted a big one-time wire switch as earnings, at which level my solely different choice was to enter my earnings manually (which is barely annoying as a result of I might have wanted my pay stub useful 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 | Cell app: iOS, Android
An app with a cult following that promotes a distinct, extra hands-on method to budgeting. Not for individuals who need a set-and-forget expertise.
Execs
- Significantly robust emphasis on budgeting
- Distinctive “zero-dollar” method to monetary planning that some individuals swear by
Cons
- Steep studying curve
- Tougher to make use of sure options on the cell app than on the net
$110 a yr or $15 a month at YNAB
YNAB is, by its personal admission, “totally 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 function for each greenback you earn. A ceaselessly used analogy is to place every greenback in an envelope; you possibly can at all times transfer cash from one envelope to a different in a pinch. These envelopes can embody hire and utilities, together with unexpected bills like vacation presents and the inevitable automotive restore. The thought is that in case you finances a specific amount 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 have got in your accounts now. The app doesn’t ask you to offer your take-home earnings or arrange recurring earnings funds (though there’s a manner to do that). The cash you’ll make later within the month by means of your salaried job is just not related, as a result of YNAB doesn’t interact in forecasting.
The app is more durable to study than every other right here, and it requires extra ongoing effort from the person. And YNAB is aware of that. Inside each the cell and internet apps are hyperlinks to movies and different tutorials. Though I by no means fairly bought 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 evaluation every transaction is just not essentially a foul factor. As YNAB says on its web site, “Positive, you’ve bought 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 method being helpful for individuals who don’t are inclined to have plenty of money in reserve at a given time, or who’ve spending habits they need to right (to riff off of YNAB’s personal instance, ordering Seamless 4 instances every 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 have got main financial savings targets 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 method appears like overkill.
Different Mint alternate options we examined
PocketGuard
PocketGuard was once a strong 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. Once I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless an honest choice. The principle overview display reveals you your web price, complete property and money owed; web earnings and complete spending for the month; upcoming payments; a useful reminder of when your subsequent paycheck lands; any debt payoff plan you have got; and any targets. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter your whole recurring payments, after which PocketGuard reveals you what’s left, and that’s what you’re alleged to be budgeting: your disposable earnings.
Though PocketGuard’s UI is simple 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 often make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates had been obtainable. The net model, in the meantime, feels just like the cell 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, known as Plaid, to tug in monetary knowledge, so it’s price 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 trade commonplace 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 corporate claims.
To be clear, you don’t want a devoted Plaid app to make use of it; the expertise is baked into a big selection of apps, together with the finances trackers I examined for this information. As soon as you discover the “add an account” choice in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search subject you should utilize to look yours up immediately. 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 must enter a one-time passcode as properly.
Because the intermediary, Plaid is a passthrough for data that will embody your account balances, transaction historical past, account sort 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 might not be doing my job if I didn’t notice that in 2022 Plaid was compelled to pay $58 million to shoppers in a category motion go well with for amassing “extra monetary knowledge than was wanted.” As a part of the settlement, Plaid was compelled to vary a few of its enterprise practices.
In an announcement offered 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 individuals extra transparency into Plaid’s position in connecting their accounts, and guaranteeing that our workstreams round knowledge minimization stay on monitor.”
The way 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 is just not as straightforward as coming into your credentials from inside your new app and hitting “import.” Actually, 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:
Signal into Mint.com and hit Transactions within the menu on the left aspect of the display.
Choose an account, or all accounts.
Scroll down and search for “export [number] transactions” in smaller print.
Your CSV file ought to start downloading.
Be aware: Downloading on a per-account foundation might sound extra annoying, however may show you how to get arrange on the opposite aspect, 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 record of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn opinions of well-liked apps on the App Retailer; and in addition requested associates and colleagues what finances monitoring apps they could be utilizing. A number of the apps I discovered had been free, similar to Mint. These, after all, present a great deal of advertisements (excuse me, “provides”) to remain in enterprise. However many of the obtainable apps require paid subscriptions, with costs usually topping out round $100 a yr, or $15 a month. (Spoiler: My high choose 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 knowledge into one place; provide budgeting instruments; and monitor your spending, web price 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 various myself), I made a degree 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 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 Cash is one other free monetary app that tracks spending and helps issues like steadiness alerts and account linking. Should you pay for the premium tier, the service may also show you how to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll think about it in future updates.
