Looking for a Mint alternative? Here is the honest picture.

Why people are still looking

When Intuit announced Mint’s shutdown in late 2023 and pulled the plug in March 2024, around 25 million users were funnelled into Credit Karma. The migration kept account aggregation and credit score features, but it dropped almost everything that made Mint useful for actual budgeting: categories, monthly limits, bill tracking, the weekly review habit.

Two years later, the search for a real replacement has not slowed down. Subreddits, year-end roundups and "Mint alternative" queries are still busy because Credit Karma is not a budgeting app and no single product has stepped into Mint’s exact shape. Which is fine, because Mint’s shape was largely defined by being free and ad-supported. The replacements are paid, but they are also dramatically better. One free exception is Empower, which is built around net worth and investments more than budgeting. If budgeting is what you need, see our Empower alternatives.

What to look for in a Mint replacement

Before you pick, decide which of these matters most to you. The right app depends almost entirely on where you sit on these five questions.

• Mobile-first or web-first? Be honest. Did you log into Mint on a laptop, or did you live in the iPhone app?
• Automatic bank sync or fast manual entry? Mint’s killer feature was aggregation. Some replacements lead with it, others lead with capture speed.
• Solo or household? Joint dashboards are a real differentiator and not every app does them well.
• How much methodology do you want? Some apps stay out of the way. YNAB wants you to follow four rules.
• Do you want AI insights, or just a clean ledger? Monthly AI summaries, voice quick add and chat are real now. Decide if you want them included or sold separately.

The four alternatives at a glance

US list prices, checked 2026-10-11. Prices change, so confirm before you subscribe.

Pockita

The cheapest of the four, monthly or paid upfront, and the only one that treats voice quick add and monthly AI insights as core, not add-ons. Pockita is the right answer when most of your spending happens away from a laptop and you want a calm, single-price product without a premium tier.

Honest weakness: Pockita does not have automatic bank sync, by design. Transactions are added by you through voice, receipt capture or a tap, which keeps your bank logins out of it but means no hands-off import. If automatic aggregation is a hard requirement, Monarch is the better fit.

Monarch Money

The closest spiritual successor to Mint. Built by ex-Mint engineers, web-first, and the most mature household experience on this list. Pulls accounts through Plaid, supports joint dashboards with partner permissions, and includes net worth and investment tracking out of the box.

Honest weakness: $14.99 per month is the highest monthly price in this group, and the experience is genuinely designed for a laptop. If you live on your phone, you will feel the friction.

YNAB (You Need A Budget)

YNAB is not really an app. It is a methodology with an app attached. The four rules (give every dollar a job, embrace your true expenses, roll with the punches, age your money) are the product. If that philosophy clicks for you, especially while paying off debt, YNAB works like nothing else on this list.

Honest weakness: the learning curve is real, the weekly time commitment is real, and the price is at the top of the range with no AI features bundled. People who try YNAB casually almost always bounce off it. People who commit love it for years.

Copilot Money

The design-led pick. Beautifully built, opinionated about aesthetics, and tightly integrated with Apple platforms. Categorisation is fast, the interface is calm, and the iPhone and Mac apps feel like one product.

Honest weakness: there is no Android app. Copilot runs on iPhone, iPad, Mac and the web, so if anyone in your household uses an Android phone, Copilot is off the table. In that case, see our Copilot Money alternatives.

Recommendations by use case

What about Mint itself?

Mint, Intuit’s free personal finance app, shut down on March 23, 2024 and moved its users to Credit Karma. If you log into the old mint.com or the Mint app today you will be redirected to Credit Karma. Anyone telling you Mint is "back" or offering a Mint download is either scraping the old brand for ad revenue or confusing it with one of these replacements.

Leaving a different app? See our budgeting app alternatives for side-by-side comparisons of the most popular ones.

Frequently asked questions