The 5 greatest Mint options to switch the budgeting app that shut down

It has been over one yr since Intuit shut down the favored budgeting app Mint. I used to be a Mint consumer for a few years; thousands and thousands of different customers like me loved how simply Mint allowed us to trace all accounts in a single place and monitor credit score scores. I additionally used it repeatedly to assist me observe spending, set objectives like pay my mortgage down sooner and with common cash administration.

Forward of Mint’s demise, I gave Credit Karma, Intuit’s different monetary app, a strive however discovered it to be a poor Mint different. So I got down to discover a true alternative in one other budgeting app. The next information lays out my expertise testing a number of the hottest Mint alternative apps out there right this moment. Our decide for greatest Mint different stays Quicken Simplifi, even this lengthy after Mint being shut down, due to its simple to make use of app, good revenue and invoice detection and its inexpensive value. However there are many different strong choices on the market for these with completely different wants. In case you’re additionally on the hunt for a budgeting app to switch Mint, we hope these particulars can empower you to decide on which of the best budgeting apps on the market shall be best for you.

Desk of contents

Finest Mint options in 2025

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 consumer interface, with a touchdown web page that you simply simply hold scrolling by to get an in depth overview of all of your stats. These embody your top-line balances; internet price; current 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 admire is the power to arrange financial savings objectives elsewhere within the app. I additionally admire the way it affords neat, virtually playful visualizations with out ever wanting cluttered. I felt at dwelling within the cellular and net 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 principally painless. I used to be notably impressed at how simply it related to Constancy; not all finances trackers do, for no matter cause. That is additionally one of many solely companies I examined that provides 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 just a few months now: I want Simplifi provided Zillow integration for simply monitoring your house worth (or at the least a tough estimate of it). Varied opponents together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API out there to be used. Because it stands, Simplifi customers should add actual property manually like some other asset.

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 can too mark when you’re anticipating a refund, which is a novel function among the many companies I examined. Simplifi additionally estimated my common revenue 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. For example, 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 function can also be self-explanatory and might seemingly accommodate your most popular budgeting methodology. Simply test that your common revenue is correct and you’ll want to arrange recurring funds, making notice of that are payments and that are subscriptions. That is vital as a result of Simplifi reveals you your whole take-home revenue in addition to an “revenue after payments” determine. That quantity contains, properly, payments however not discretionary subscriptions. From there, you may add spending targets by class within the “deliberate spending” bucket. Deliberate spending may also embody one-time expenditures, not simply month-to-month budgets. Whenever you create a finances, Simplifi will recommend a quantity primarily based on a six-month common.

Not dealbreakers, however two issues to remember as you get began: Simplifi is notable in which you can’t arrange an account by Apple or Google. There may be additionally no possibility for a free trial, although Quicken guarantees a “30-day a reimbursement assure.”

Monarch Cash

Month-to-month value: 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 a bit of more durable to make use of than our high decide, however not prohibitively so. (Energy customers may not thoughts.)

Professionals

• Plenty of element and alternatives for personalization
• Useful “objectives” function
• You may grant account entry to different folks
• 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 cellular app feels restricted and fewer intuitive than the net model
• Doesn’t appear to differentiate between payments and different recurring bills
• Some bugginess on cellular round creating guidelines for expense classes

$100 a year or $15 a month at Monarch Money

Monarch Money 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 listing, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing expense classes, including recurring transactions and creating guidelines, for instance, is a bit more sophisticated than it must be, particularly within the cellular app. (My recommendation: Use the net app for fine-tuning particulars.) Monarch additionally didn’t get my revenue proper; I needed to edit it.

When you’re arrange, although, Monarch affords a formidable stage of granularity. Within the budgets part, you may see a bona fide stability sheet displaying budgets and actuals for every class. You may additionally discover a forecast, for the yr or by month. And recurring bills will be set not simply by service provider, however different parameters as properly. For example, whereas most Amazon purchases is likely to be marked as “purchasing,” these for the quantities of $54.18 or $34.18 are positively child provides, and will 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.

Not lengthy after I first revealed this story in December 2023, Monarch introduced an in depth reporting part the place you may create on-demand graphs primarily based on issues like accounts, classes and tags. That function is accessible simply on the net model of the app for now. As a part of this similar replace, Monarch added assist for an aggregator that makes it potential to robotically replace the worth of your automobile. This, mixed with the prevailing Zillow integration for monitoring your house worth, makes it simple to rapidly add a non-liquid asset like a automobile or actual property, and have it present up in your internet price graph.

The cellular app is generally self-explanatory. The primary dashboard reveals your internet price; your 4 most up-to-date transactions; a month-over-month spending comparability; revenue month-to-date; upcoming payments; an investments snapshot; an inventory of any objectives you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money circulate; high revenue and expense classes; money circulate tendencies; modifications to your internet price, belongings and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that when you click on on the Accounts tab you may see how your internet price modified over completely different durations of time, together with one month, three months, six months, a yr or all time.

On the primary display, you’ll additionally discover tabs for financial savings and checking accounts (and all others as properly), transactions, money circulate, finances and recurring. Like lots of the different apps featured right here, Monarch can auto-detect recurring bills and revenue, even when it will get the class improper. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise when 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 business customary 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 these different two networks, if for some cause Plaid fails. Much 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 lets you grant entry to another person in your loved ones — seemingly 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 must 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 is not the one one both; at the moment, Copilot and YNAB have additionally added related performance that shall be out there to anybody with the most recent variations of their respective apps on a tool operating iOS 17.4. As a substitute of manually importing statements, the brand new performance permits apps like Monarch’s to robotically pull in transactions and stability 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 objectives system are coming quickly. Monarch hasn’t offered a timeline for that final one, besides to say that the improved objectives function is coming quickly.

Copilot Cash

Month-to-month value: 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 lot of options in improvement — together with Android and net apps.

Professionals

• Slick UI
• Standalone Mac app
• Decrease month-to-month value than some competing apps
• Does a great job visualizing recurring bills
• Optionally available Amazon, Venmo and Zillow integration
• “To evaluate” part is useful

Cons

• No net or Android app but
• Miscategorized extra bills than our high decide
• Plenty of in any other case frequent options are nonetheless in improvement

$95 a year or $13 a month at Copilot Money

Copilot Money is likely to be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — at the least for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and net apps are coming quickly. However till it follows by, I can’t suggest Copilot for most individuals with so many good opponents on the market.

There are different options that Copilot is lacking, which I’ll get into. However it’s promising, and one to regulate. It’s only a quick, environment friendly, properly designed app, and Android customers shall be in for a deal with once they’ll lastly have the ability to obtain it. It makes good use of colours, emoji and graphs that will help you perceive at a look the way you’re doing on every part out of your budgets to your funding efficiency to your bank card debt over time. Specifically, Copilot does a greater job than virtually some 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 along with your alternative 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 function may be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

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 through 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 can too add any property you personal and observe its worth by Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless admire that Copilot marks new transactions for evaluate. It’s a great way to each weed out fraudulent fees, and likewise be considerably intentional about your spending habits.

Like Monarch Cash, Copilot up to date its app to make it simpler to connect with banks by networks apart from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Categorical and Constancy which, once more, could be a bugbear for some finances monitoring apps. In an much more current replace, Copilot added a Mint import possibility, 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 instructed me that his crew is sort of finished constructing out an in depth money circulate part as properly. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its good expense categorization. These embody “good monetary objectives,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to provide folks 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 attention-grabbing issues for brand spanking new clients that distinguish it from the competitors. There’s a “demo mode” that appears like a sport 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 supply 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 value: $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 may get (and there aren’t many compromises moreover the ever-present advertisements).

Professionals

• Free
• Simple 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

• Adverts all over the place
• No customization for spending classes
• Much less adept at detecting common revenue
• One of many extra tedious setup processes

Free at NerdWallet

Chances are you’ll know NerdWallet as a website 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 probably to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. In actual fact, there is no such thing as a paid model; nothing is locked behind a paywall. The primary catch: There are advertisements all over the place. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card affords, NerdWallet has a clear, easy-to-understand consumer interface, which incorporates each an internet and a cellular app. The important thing metrics that it highlights most prominently are your money circulate, internet price and credit score rating. (Of notice, though Mint itself provided 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 probably 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 information, you get some notably particular class choices when organising your accounts (suppose: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit primary. Like different apps I examined, you may 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 which you can’t customise your finances to the identical diploma as some competing apps. You may’t at the moment create customized spending classes, although a notice contained in the dashboard part of the app says “you’ll have the ability to customise them sooner or later.” You can also’t transfer gadgets 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 must do it as soon as and, hopefully, you aren’t organising 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 without doubt one of the solely finances trackers to supply credit score rating monitoring, it additionally wants extra of your private information 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 revenue. In my case, it counted a big one-time wire switch as revenue, at which level my solely different possibility was to enter my revenue 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 value: 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 desire a set-and-forget expertise.

Professionals

• Significantly robust emphasis on budgeting
• Distinctive “zero-dollar” method to monetary planning that some folks swear by

Cons

• Steep studying curve
• More durable to make use of sure options on the cellular app than on the net

$110 a year or $15 a month at YNAB

YNAB is, by its own admission, “completely different from something you’ve tried earlier than.” The app, whose identify 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 continuously used analogy is to place every greenback in an envelope; you may all the time transfer cash from one envelope to a different in a pinch. These envelopes can embody lease and utilities, together with unexpected bills like vacation presents and the inevitable automobile restore. The concept is that when you finances a specific amount for the unknowns every month, they received’t really feel like they’re sneaking up on you.

Importantly, YNAB is barely involved with the cash you’ve in your accounts now. The app doesn’t ask you to offer your take-home revenue or arrange recurring revenue funds (though there’s a means to do that). The cash you’ll make later within the month by your salaried job will not be related, as a result of YNAB doesn’t interact in forecasting.

The app is more durable to study than some other right here, and it requires extra ongoing effort from the consumer. And YNAB is aware of that. Inside each the cellular and net apps are hyperlinks to movies and different tutorials. Though I by no means fairly acquired comfy with the consumer interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new finances every month and to evaluate every transaction will not be essentially a foul factor. As YNAB says on its web site, “Positive, you’ve acquired pie charts displaying that you simply spent an obscene amount of cash in eating places — however you’ve nonetheless spent an obscene amount of cash in eating places.” I can see this method being helpful for individuals who don’t are likely to have quite a lot 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 occasions 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’ve main financial savings objectives you need to obtain, whether or not it’s paying for a marriage or shopping for a home. I recommend you give her column a learn. For me, although, YNAB’s method appears like overkill.

Different Mint 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 possibility. The primary overview display reveals you your internet price, whole belongings and money owed; internet revenue and whole spending for the month; upcoming payments; a useful reminder of when your subsequent paycheck lands; any debt payoff plan you’ve; and any objectives. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter your entire recurring payments, after which PocketGuard reveals you what’s left, and that’s what you’re presupposed to be budgeting: your disposable revenue.

Though PocketGuard’s UI is straightforward sufficient to grasp, it lacks polish. The “accounts” tab is a bit of busy, and doesn’t present totals for classes like money or investments. Seemingly small particulars like weirdly phrased or punctuated copy sometimes make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates had been out there. The online model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t reap the benefits 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, referred to 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 right this moment the business customary 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 company 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” possibility in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search subject you should use to look yours up straight. As soon as you discover yours, you’ll be prompted to enter your login credentials. If 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 which will embody your account balances, transaction historical past, account kind 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 firms. Nevertheless, I might not be doing my job if I didn’t notice that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for accumulating “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 stated the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are centered on us accelerating workstreams already underway associated to giving folks extra transparency into Plaid’s function in connecting their accounts, and guaranteeing that our workstreams round knowledge minimization stay on observe.”

The way to import your monetary knowledge from the Mint app

Mint customers ought to contemplate getting their knowledge able to migrate to their new budgeting app of alternative quickly. Sadly, importing knowledge from Mint will not be as simple as getting into your credentials from inside your new app and hitting “import.” In actual fact, 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:

1. Signal into Mint.com and hit Transactions within the menu on the left aspect of the display.

2. Choose an account, or all accounts.

3. Scroll down and search for “export [number] transactions” in smaller print.

4. Your CSV file ought to start downloading.

Observe: Downloading on a per-account foundation might sound extra annoying, however might enable you 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 options

Earlier than I dove into the world of budgeting apps, I had to perform a little research. To discover a listing of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn evaluations of common apps on the App Retailer; and likewise requested buddies and colleagues what finances monitoring apps they is likely to be utilizing. Among the apps I discovered had been free, identical to Mint. These, after all, present a great deal of advertisements (excuse me, “affords”) to remain in enterprise. However many of the out there apps require paid subscriptions, with costs usually topping out round $100 a yr, or $15 a month. (Spoiler: My high decide 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 entire account knowledge into one place; supply budgeting instruments; and observe your spending, internet 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 started working setting them up. For the sake of totally testing these apps (and bear in mind, I actually was in search of a Mint alternative myself), I made a degree of including each account to each budgeting app, regardless of how small or immaterial the stability. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of getting into passwords and one-time passcodes, for a similar banks half a dozen occasions over. Hopefully, you solely have to do that as soon as.

What about Rocket Cash?

Rocket Money is one other free monetary app that tracks spending and helps issues like stability alerts and account linking. In case you pay for the premium tier, the service may also enable you to cancel undesirable subscriptions. We didn’t take a look at it for this information, however we’ll contemplate it in future updates.