Mint is gone. Intuit shut down the app on March 23, 2024, after 17 years and roughly 25 million users, and pushed everyone toward Credit Karma (Bloomberg). The problem is that Credit Karma was never a budgeting app. It has no category budgets, no reliable transaction tagging, and no real goal tracking — so the millions of people who used Mint to actually plan their money were left looking for something new (WalletHub).

If that is you, the good news is that the budgeting app market got a lot better after Mint died. There are now several strong replacements, and they fall into two camps: apps that auto-sync your bank accounts the way Mint did, and privacy-first apps that skip the bank login entirely. This guide covers both, with honest pricing and trade-offs, so you can pick the one you will actually stick with. If you want the fundamentals first, start with our guide on how to budget and how to track spending that actually sticks.

What to look for in a Mint replacement

Mint did a lot of things at once, but most people relied on it for three: automatic transaction imports, category budgets, and a single dashboard for net worth. When you shop for a replacement, weigh these factors:

Sync model. Do you want automatic bank linking (fast setup, but you hand over credentials to an aggregator) or manual and semi-automatic entry (more privacy, more awareness)? This is the biggest fork in the road.
Price. Mint was free, funded by ads and credit offers. Almost every serious replacement now charges a subscription. Expect roughly 3 to 15 dollars a month.
Platform. Some of the best apps are iPhone-only. If you are on Android, that rules a few out.
Budgeting style. Simple percentage budgets, zero-based envelopes, or flexible spending plans — pick the method you will keep up with.
Extras. Subscription detection, bill negotiation, investment tracking, and multi-currency support vary a lot between apps.

Quick comparison table

App	Best for	Price (2026)	Bank login?
Lumi	Privacy-first, fast manual logging on iPhone	Free; Premium 4.99 dollars/mo	No
Monarch	The closest all-in-one Mint replacement	14.99 dollars/mo or 99.99 dollars/yr	Yes
Rocket Money	Subscription tracking and bill negotiation	Free; Premium 7 to 14 dollars/mo	Yes
Copilot	Design-focused tracking on Apple devices	95 dollars/yr or 13 dollars/mo	Yes
Simplifi	Cheap, polished spending plans	5.99 dollars/mo billed annually	Yes
YNAB	Zero-based, proactive budgeting	14.99 dollars/mo or 109 dollars/yr	Yes
PocketGuard	"In My Pocket" simple spendable number	Free; Plus 12.99 dollars/mo or 74.99 dollars/yr	Yes
Goodbudget	Digital envelope budgeting	Free; Premium 10 dollars/mo or 80 dollars/yr	Optional
Finny	AI-assisted manual tracking	Free; Pro 1.99 dollars/mo or 17.99 dollars/yr	No

Prices confirmed from each provider in 2026; always check the app for current rates.

Lumi

Best for: ex-Mint users who want to track spending without handing over bank logins, and who live on their iPhone.

Lumi takes the opposite approach to Mint. Instead of connecting to your bank, you log spending in about two seconds using an iPhone Back Tap or straight from Apple Pay, and Lumi's AI handles the rest. You can scan a receipt to capture the amount, merchant, and date, or just speak or type "coffee 5" and it files the transaction. There is no bank login, ever, which means no credentials sitting with a third-party aggregator.

That privacy-first model suits a specific subset of ex-Mint users: people who found that automatic imports made them numb to their own spending, and who want the awareness that comes from logging a purchase in the moment. Lumi supports 150+ currencies with a unified currency view, gives you an AI spending forecast, and has a genuinely usable free plan. Premium is 4.99 dollars a month.

Pros:

No bank login required — nothing to breach or leak
Roughly two-second logging via Back Tap, Apple Pay, receipt scan, or voice
150+ currencies and an AI forecast
Free plan with an affordable 4.99 dollars/mo Premium

Cons:

iPhone and web — no Android
No automatic bank sync, so if you want hands-off importing, this is not it
Manual logging takes a small daily habit, even if each entry is fast

Lumi is honestly not a like-for-like Mint clone. It is the privacy-first, no-bank-login choice, and that is exactly why it fits people who never loved handing their credentials to Mint in the first place. See Lumi.

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Monarch

Best for: the closest thing to a full Mint replacement, with everything in one dashboard.

Monarch is the app most often recommended as the direct Mint successor. It links your bank, credit card, loan, and investment accounts, tracks net worth, supports flexible category budgets and goals, and works well for couples who share finances. It is polished and full-featured, which is why it absorbed a large share of Mint refugees.

The catch is price. Monarch costs 14.99 dollars a month, or 99.99 dollars a year, after a 7-day trial (Monarch). There is also a higher Plus tier at 199 dollars a year for power users.

Pros:

Broad account syncing and net worth tracking, like Mint
Strong shared-household and goal features
Clean web and mobile apps

Cons:

Among the more expensive options
Requires bank credentials through an aggregator
Overkill if you only want simple spend tracking

Rocket Money

Best for: finding and killing forgotten subscriptions.

Rocket Money (formerly Truebill) links your accounts and shines at surfacing recurring charges. Its standout feature is bill negotiation and subscription cancellation. The free tier covers subscription tracking, basic budgeting, and net income; Premium unlocks unlimited budget categories, real-time syncing, and cancellation services.

Pricing is unusual: Premium uses a "pay what you think is fair" model, typically 7 to 14 dollars a month (Rocket Money). Bill negotiation is performance-based — you pay 35% to 60% of the first year's savings only if it succeeds.

Pros:

Excellent subscription and recurring-charge detection
Usable free tier
Bill negotiation can pay for itself

Cons:

Budgeting is lighter than Monarch or YNAB
Bill-negotiation fees eat into savings
Requires bank linking

Copilot

Best for: Apple users who want a beautiful, design-forward tracker.

Copilot is an iPhone, iPad, and Mac app known for its clean design and smart auto-categorization. It syncs accounts, tracks spending and investments, and has one simple subscription tier — every feature is included. It is a favorite among people who want Mint's dashboard feel with much better polish.

Copilot costs 95 dollars a year, or 13 dollars a month, with a free trial via the App Store (Copilot).

Pros:

Best-in-class design and categorization
Single tier, no feature paywalls
Investment tracking included

Cons:

Apple devices only — no Android or standalone web
No free plan
Requires bank linking

Simplifi by Quicken

Best for: a cheap, polished spending plan from an established brand.

Simplifi, made by Quicken, connects to thousands of institutions and centers on a "Spending Plan" that shows how much you can safely spend after bills and savings. It auto-categorizes well, tracks subscriptions, and even shows basic investment holdings — unusual at this price (CNBC Select).

The standard rate is 5.99 dollars a month billed annually (71.88 dollars a year), often discounted for new subscribers. There is no free trial, but a 30-day money-back guarantee applies. Note it is annual-only — no monthly billing.

Pros:

One of the cheapest full-featured trackers
Strong auto-categorization and subscription tracking
Basic investment tracking included

Cons:

Annual commitment, no monthly option
No free trial
Requires bank linking

YNAB

Best for: people who want to be proactive, not just look backward.

YNAB (You Need A Budget) is a zero-based system where every dollar gets a job before you spend it. It is the most hands-on app here and has a devoted following for changing spending habits, not just recording them. It links accounts but is built around intentional assignment of funds.

YNAB costs 14.99 dollars a month or 109 dollars a year, with a 34-day free trial and a free year for students (YNAB). Family Share covers up to six people.

Pros:

Genuinely changes spending behavior
Long free trial, free for students
One plan, full features, family sharing

Cons:

Steepest learning curve here
Among the pricier options
Requires consistent effort every month

PocketGuard

Best for: a dead-simple "how much can I spend" number.

PocketGuard's signature "In My Pocket" figure shows what is safe to spend after bills, goals, and budgets. It is approachable and good for people who feel overwhelmed by detailed budgets. It links accounts and detects subscriptions.

The free tier is narrow — capped at 2 accounts, 2 categories, and 1 goal. Plus removes the limits at 12.99 dollars a month or 74.99 dollars a year (PocketGuard).

Pros:

Simple, low-stress spendable number
Subscription detection and bill tracking
Has a free tier

Cons:

Free tier too limited for most households
Fewer advanced features than Monarch or YNAB
Requires bank linking for full value

Goodbudget

Best for: envelope budgeters who want a shared, low-tech system.

Goodbudget digitizes the classic envelope method: you allocate income into envelopes and spend from them. Importantly, the free plan does not require bank sync — you enter transactions yourself, which puts it partway toward the privacy-first camp. Automatic bank sync is a Premium-only add-on.

The free plan gives you 20 envelopes, 1 account, and 2 devices. Premium is 10 dollars a month or 80 dollars a year and adds bank sync, unlimited envelopes, and up to 5 devices (Goodbudget).

Pros:

Proven envelope method, great for couples
Free plan works without any bank login
Simple and focused

Cons:

Manual entry on the free plan takes discipline
Premium is not cheap for what it adds
No investment or net-worth tracking

Finny

Best for: AI-assisted manual tracking with no bank connection.

Finny is another privacy-first, offline-first tracker. Like Lumi, it skips bank logins and uses AI to make manual entry fast — natural text like "salary 2500," voice logging, and receipt scanning. It supports 150+ currencies with a unified currency view and category limits with rollover.

Finny Pro costs 1.99 dollars a month or 17.99 dollars a year, with a free tier that includes unlimited manual tracking and custom categories (Finny).

Pros:

No bank login, works offline
AI text, voice, and receipt input
150+ currencies, cheap Pro tier

Cons:

Manual model, like Lumi, needs a daily habit
Smaller feature set than the syncing apps
Not a full net-worth dashboard

How to choose

Start with the sync question, because it splits the field:

You want Mint's hands-off, everything-synced experience. Look at Monarch (most complete), Copilot (best design, Apple-only), or Simplifi (cheapest full tracker). Add Rocket Money if killing subscriptions is your main goal.
You want to change your habits, not just watch them. Choose YNAB for zero-based control or PocketGuard for a simpler spendable number.
You never liked handing your bank login to Mint. Go privacy-first with Lumi (fast iPhone logging, Apple Pay, receipt scan, AI forecast) or Finny, or use Goodbudget on its no-sync free plan.

There is no single winner. The best Mint alternative is the one whose sync model, price, and budgeting style match how you actually behave with money. If you tend to tune out automatic feeds, a two-second manual log can keep you far more aware than Mint ever did.

FAQ

Why did Mint shut down, and what happened to my data? Intuit consolidated Mint into its other app, Credit Karma, to cut costs, and closed Mint on March 23, 2024. Users had until then to export data as CSV; only login details migrated to Credit Karma, and transaction history was deleted (WalletHub).

Is Credit Karma a good Mint replacement? Not really for budgeting. Credit Karma focuses on credit scores and offers, and lacks Mint's category budgets, goal tracking, and reliable transaction tagging. Most former Mint users move to a dedicated budgeting app instead.

Are there free Mint alternatives? Yes. Lumi, Finny, Rocket Money, PocketGuard, and Goodbudget all have free tiers, though each limits features compared with their paid plans. If free and privacy-first matters most, Lumi and Goodbudget's no-sync plan are good starting points.