Looking for a Mint alternative? Here is the honest picture.
Mint shut down on March 23, 2024. Credit Karma absorbed the accounts but never replaced the budgeting. Here are the four apps actually worth your time, compared by people who left Mint themselves.
By The Pockita teamLast updated
If you want mobile-first AI budgeting at the lowest price, try Pockita. If you want hands-off bank aggregation for a household, try Monarch. If you want a strict zero-based method, try YNAB. If you live entirely on iPhone and Mac and care about design, try Copilot. Skip the apps that feel like ad-funded Mint clones.
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.
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? Weekly 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
| Feature | Pockita Mobile-first AI | Monarch Web-first household | YNAB Zero-based method | Copilot Design, Apple-only |
|---|---|---|---|---|
| Monthly price | $4.99 | $14.99 | $14.99 | ~$8.99 |
| Annual price | $39.99 ($3.33 / mo) | $99.99 ($8.33 / mo) | $109 ($9.08 / mo) | ~$79.99 ($6.66 / mo) |
| Free trial | 7 days | 7 days | 34 days | Limited |
| Automatic bank sync | Manual only | Yes | Yes | Yes |
| Mobile-first | Yes | No | No | Yes |
| Web app | Marketing only | Full web app | Full web app | No |
| Android | Yes | Yes | Yes | No |
| Voice quick add | Yes | No | No | No |
| AI insights included | Yes | No | No | Limited |
| Joint / household budgets | Yes | Yes | Yes | No |
| Investment tracking | No | Yes | No | Yes |
Copilot pricing is approximate and changed in 2025. Verify on each vendor’s site before subscribing. Pockita prices are authoritative and locked.
Pockita
The cheapest of the four and the only one that treats voice quick add and weekly 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: iOS and macOS only. There is no Android app and no web app. If your household has a single Android phone, Copilot is off the table.
Recommendations by use case
You lived in the Mint iPhone app
You want speed of capture, AI suggestions and the lowest monthly price.
- Pick Pockita
- Why: voice quick add, weekly AI report, $4.99 per month
- Trade-off: manual entry, no automatic bank sync
You and your partner shared one Mint login
You want a joint dashboard and automatic bank sync from day one.
- Pick Monarch
- Why: best couples experience, mature Plaid integration
- Trade-off: $14.99 per month, web-first
You always thought Mint was too passive
You want a method that forces real decisions, especially on debt payoff.
- Pick YNAB
- Why: the four rules genuinely change behaviour
- Trade-off: steepest learning curve, no AI features
You live entirely on iPhone and Mac
You care about design and never need an Android or web client.
- Pick Copilot
- Why: cleanest interface, tight Apple integration
- Trade-off: no Android, no web, no household feature
What about Mint itself?
Mint intuit’s free personal finance app. shut down on march 23, 2024 and migrated 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.
Frequently asked questions
What happened to Mint?
Intuit shut down Mint on March 23, 2024 and migrated users to Credit Karma. Credit Karma kept the account aggregation and credit features but did not bring over Mint’s budgeting, category management or bill tracking. That is why so many former Mint users are still looking for a replacement.
What is the best free Mint alternative?
There is no like-for-like free replacement. Mint was free because Intuit subsidised it with lead generation and ads. The closest free tiers today are PocketGuard and Empower, but most former Mint users end up choosing a paid subscription app (Pockita at $4.99 per month, Monarch at $14.99 per month, or YNAB at $14.99 per month) because the experience is dramatically better without ads.
What is the closest app to Mint right now?
Functionally, Monarch Money is the closest to Mint: web-first dashboard, automatic bank sync through Plaid, joint household view. Pockita is closer to Mint in spirit (calm, simple, focused on awareness rather than rules) but is mobile-first and uses manual entry by design instead of automatic bank sync.
Did Credit Karma replace Mint?
No, not fully. Credit Karma absorbed Mint accounts and kept credit monitoring and basic account aggregation, but it never rebuilt the budgeting, category and bill features that made Mint useful. Most users treat the migration as Mint shutting down and start fresh in a new app.
How do I move my Mint data into a new app?
If you still have your Mint CSV exports from 2024, you can import the categories and totals into most modern budgeting apps. If not, the recommended path is to pick a start date (often the start of the current month or quarter) and rebuild forward. The historical Mint reports rarely transfer cleanly and most people find a fresh start cleaner than fighting an old export.
Which Mint alternative is cheapest?
Among the paid options, Pockita is the lowest priced at $4.99 per month or $39.99 per year ($3.33 per month billed annually). Monarch is $14.99 per month, YNAB is $14.99 per month, and Copilot Money is around $8.99 per month but is iOS and Mac only.
Start with the calm one.
Pockita is $4.99 per month or $39.99 per year, with a 7-day free trial and every feature unlocked. Cancel anytime from your phone, no retention loop.
Start your 7-day free trial$4.99 / month or $39.99 / year. Cancel anytime.