Best Mint Alternatives in 2026

Best Mint Alternatives — 2026 By Use Case
Which Mint alternative is right depends on why you used Mint
App	Best For	Annual Cost	Mint Similarity
Thalvi	Investment tracking + wealth aggregation	$99	Low — more investment depth
Monarch Money	Overall budget + net worth replacement	$99.99	High
Quicken Simplifi	Budget tracking on a budget	$47.99	High
Copilot	iOS-only users	$95	Medium — better design
Empower	Free investment + net worth tracking	Free	Medium — no budget focus
YNAB	Structured zero-based budgeting	$109	Low — more rigorous

Thalvi

Best Mint alternative for investors. Mint showed investment account balances in the net worth view — useful context, but not investment analysis. Thalvi replaces that with full investment tracking: portfolio performance, allocation analysis, and equity compensation tracking. For Mint users who connected investment accounts and wished there was more analysis behind the numbers.

Pros

✓ Investment tracking with actual portfolio analytics, not just balance display
✓ Wealth aggregation built for high-earning professionals
✓ No advisor solicitations or ad model
✓ Designed for users who have moved past budgeting into wealth building

Cons

× Not a Mint replacement for budget tracking — this is the wrong app for transaction categorization
× No free tier
× Newer product — feature set still expanding

Pricing: $9/month or $99/year

Verdict: Best Mint replacement for high earners who connected investment accounts to Mint and want actual investment analytics rather than balance display.

Monarch Money

The most popular Mint replacement overall. Budget-first, strong transaction categorization, net worth view, and couples-friendly design. The Monarch CEO previously worked at Mint and positioned directly for Mint refugees. Has the largest community of former Mint users.

Pros

✓ Best overall Mint replacement for budget-focused users
✓ Strong transaction categorization and budget tools
✓ Monarch CEO previously worked at Mint — designed for the Mint transition
✓ Reliable sync and active product development

Cons

× Budget-first — investment tracking limited to balances
× Couples framing doesn't fit solo investors
× Higher price than Simplifi at $99.99/year

Pricing: $99.99/year or $14.99/month

Verdict: Best overall Mint replacement for users who primarily used Mint for transaction categorization and budget management.

Quicken Simplifi

The cheapest mainstream Mint replacement. Engadget named it best overall Mint alternative in early 2026. Automated transaction categorization, spending plans, and net worth tracking at $47.99/year — less than half the cost of Monarch or Thalvi.

Pros

✓ Lowest price at $47.99/year — best Mint replacement for cost-conscious users
✓ Automated transaction categorization and spending plans
✓ Engadget 'Best Mint Alternative Overall' (January 2026)
✓ PCMag top personal finance app pick

Cons

× Annual billing only — no monthly option
× Quicken brand feels dated
× Investment tracking is balance-only

Pricing: $47.99/year

Verdict: Best Mint replacement on a budget. Full transaction tracking at the lowest cost among serious alternatives.

Copilot

Best Mint replacement for iOS users. Cleaner design than Mint, AI-powered categorization, and a strong community of iOS-first personal finance users. iOS and macOS only — excludes Android users regardless of interest.

Pros

✓ Best-designed personal finance app — cleaner than Mint ever was
✓ AI categorization improves over time
✓ Strong iOS community reputation
✓ Competitive at $95/year

Cons

× iOS and macOS only
× Budget-first with investment balance view only
× No web access

Pricing: $95/year or $13/month

Verdict: Best Mint replacement specifically for iOS-only users who want better design and AI-powered categorization.

Empower

Best Mint replacement for net worth tracking and investment visibility. Empower's free dashboard provides investment account aggregation, portfolio allocation, and a retirement calculator — the investment layer Mint always had but never developed deeply. Free, funded by advisory upsells.

Pros

✓ Free — no subscription required
✓ Best investment tracking of any Mint alternative
✓ Portfolio analytics (allocation, fee analyzer, retirement projections)
✓ Connects all major US investment accounts

Cons

× Persistent advisor solicitations
× Not a budget tracking replacement — cash flow and spending categorization are secondary features

Pricing: Free dashboard

Verdict: Best Mint replacement for users who primarily used Mint for investment account visibility and net worth tracking.

YNAB

Best Mint replacement for users who want a structured budgeting methodology. YNAB's zero-based budgeting is deliberately more rigorous than Mint's passive tracking. For users who found Mint's passive approach didn't change their financial behavior, YNAB provides the discipline framework. $109/year and requires significant engagement.

Pros

✓ Zero-based budgeting provides structure Mint didn't have
✓ Live workshops and educational community
✓ 34-day free trial
✓ College students get free access

Cons

× Requires active engagement — not a passive tracker like Mint
× Most expensive budgeting app at $109/year
× Investment tracking minimal
× Steep learning curve if you've never done zero-based budgeting

Pricing: $109/year or $14.99/month

Verdict: Best Mint replacement for users who want to move from passive tracking to active zero-based budgeting discipline.

Looking for something built for investors?

Thalvi is From $9/month — no budgeting required, all accounts in one view.

What Mint Was to Its 3.6 Million Users

Mint was different things to different people. This is what made its shutdown complicated and why no single replacement has fully captured the user base.

Some Mint users primarily used it for transaction categorization — understanding where their money went. Mint’s automatic sync and category labels were the product.

Some used it for budget tracking — setting spending limits by category and monitoring against them.

Some used it for net worth calculation — connecting all accounts and watching the number grow.

Some used it for investment account aggregation — seeing Fidelity, Vanguard, and an old 401(k) in one place.

These are related but distinct use cases. The best replacement depends entirely on which of these was primary for you.

The Migration Problem

Intuit’s handling of the shutdown created friction that still resonates two years later. Rather than offering direct data migration to alternatives, Intuit directed users to Credit Karma. For most Mint users, Credit Karma is not a budgeting or investment tool — it’s a credit monitoring service. Reddit’s r/mintuit community had ongoing discussions about Mint replacements well into 2025.

The fragmentation of Mint’s user base across multiple apps is evidence of how different Mint’s users were. Monarch Money captured the largest share of budget-focused Mint users. Empower captured investment-focused users who wanted free tracking. Simplifi captured cost-sensitive users who wanted the cheapest alternative.

The Investor Mint User Is Still Underserved

Mint users who primarily connected investment accounts and monitored net worth are the least well-served by current alternatives.

Monarch Money, Simplifi, and Copilot are primarily budget apps that include investment account balances in a net worth view — similar to what Mint provided. Empower provides free investment tracking with genuine portfolio analytics, but is funded by advisory upsells.

The gap is a clean, subscription-funded, investment-first app without an advisory business model. Thalvi is built for that specific user profile: Mint refugees who used the app for investment visibility and want something better, not just a budgeting app with investment balances bolted on.

Practical Migration Steps

If you’re still evaluating Mint alternatives in 2026:

Identify your primary use case — budgeting and transaction categorization, or investment and net worth tracking? This determines whether a budget app or wealth tracker is right for you.
Use free trials — Monarch, YNAB, and Copilot all offer trial periods. Empower is permanently free for the dashboard. Start with your best candidate before paying.
Export historical data if you have it — if you exported Mint data before the March 2024 shutdown, check whether your target app supports CSV import.
Set realistic expectations — no app replicates Mint exactly. The market has moved to specialized tools rather than trying to reproduce Mint’s broad, shallow feature set.

Q&A

What happened to Mint?

Mint officially shut down on March 23, 2024. Intuit, which owned Mint, announced the shutdown in November 2023, initially targeting January 2024 before extending to March. At the time of the announcement, Mint had approximately 3.6 million active users, according to MX's post-shutdown analysis. Intuit directed users to Credit Karma, which it also owns, but Credit Karma is primarily a credit monitoring and financial product marketplace — not a budgeting replacement.

Q&A

Is Monarch Money the best Mint replacement?

Monarch Money is the best Mint replacement for budget-focused users — users who primarily used Mint for transaction categorization, spending analysis, and household budget tracking. It's not the best replacement for users who used Mint primarily for investment account aggregation, net worth tracking, or for high earners who want investment analytics. The best replacement depends on how you actually used Mint.

Q&A

Can I export my Mint data to a new app?

Mint allowed data export before shutdown. Users who exported Mint transaction history as CSV can import it into some alternatives — YNAB and Monarch Money both offer Mint import tools. For users who didn't export before the March 2024 shutdown, historical Mint data is no longer accessible. New apps build historical data from the date of account connection forward.

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See How We Compare

How many users did Mint have?

Mint had approximately 3.6 million active users as of 2021, per MX's analysis of the shutdown. This makes it one of the largest personal finance app shutdowns in history. Many of those users have since migrated to Monarch Money, Simplifi, Copilot, and other alternatives — with Monarch Money being the most cited primary beneficiary.

Why did Mint shut down?

Intuit shut down Mint to consolidate users into Credit Karma, which it also owns. The strategic logic was that Credit Karma's credit monitoring and financial product marketplace was more central to Intuit's business than Mint's free budgeting tools. For Mint users, this meant being directed to a product that doesn't provide the same budgeting or investment visibility.

Is Credit Karma a good Mint replacement?

No. Credit Karma is a credit score monitoring service and financial product marketplace — not a budgeting or investment tracking app. Intuit directing Mint users to Credit Karma was widely criticized in the personal finance community as inadequate. Mint users who want transaction categorization and budget tracking need a dedicated alternative, not Credit Karma.

Keep reading

What to Do When Mint Shuts Down

Mint shut down in March 2024, leaving 3.6 million users without their primary finance app. This guide covers what to do next — with specific recommendations based on what you actually used Mint for.

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