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

As a long-time Mint person, I used to be pissed off to say the least when information broke on the finish of 2023 that Intuit would shut Mint down. I, like hundreds of thousands of others, loved how simply Mint allowed us to trace all accounts in a single place and monitor credit score scores. I additionally used it often to trace spending, set targets like pay my mortgage down quicker and with basic cash administration.

So I got down to discover the perfect Mint options within the wake of its disappointing demise. I gave Credit Karma, Intuit’s different monetary app, a attempt however discovered it to be a poor Mint substitute. The next information lays out my expertise testing a few of the hottest Mint substitute apps accessible at the moment searching for my subsequent budgeting app.

Our choose for greatest Mint different stays Quicken Simplifi, even months after the Mint shutting down, because of its simple to make use of app, good earnings and invoice detection and its inexpensive worth. However there are many different stable choices on the market for these with totally different wants. In case you’re additionally on the hunt for a budgeting app to interchange Mint, we hope these particulars may help you determine which of the best budgeting apps on the market can 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 person interface, with a touchdown web page that you just simply preserve scrolling via to get an in depth overview of all of your stats. These embrace your top-line balances; internet price; current spending; upcoming recurring funds; a snapshot of your spending plan; prime spending classes; achievements; and any watchlists you’ve arrange.

One other one of many key options I respect is the flexibility to arrange financial savings targets elsewhere within the app. I additionally respect the way it presents neat, virtually playful visualizations with out ever wanting cluttered. I felt at house within the cellular and net dashboards after a day or so, which is quicker than I tailored to some competing companies (I’m taking a look at you, YNAB and Monarch).

Getting arrange with Simplifi was principally painless. I used to be significantly impressed at how simply it linked to Constancy; not all funds 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’d 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 private home worth (or at the very least a tough estimate of it). Numerous opponents together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API accessible to be used. Because it stands, Simplifi customers should add actual property manually like every other asset.

In observe, Simplifi miscategorized a few of my bills, however nothing out of the odd in comparison with any of those funds trackers. As you’re reviewing transactions, you can even mark for those who’re anticipating a refund, which is a singular function among the many companies I examined. Simplifi additionally estimated my common earnings higher than another apps I examined. Most of all, I appreciated the choice of with 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 be self-explanatory and may possible accommodate your most well-liked budgeting methodology. Simply verify that your common earnings 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 earnings in addition to an “earnings after payments” determine. That quantity consists of, effectively, payments however not discretionary subscriptions. From there, you’ll be able to add spending targets by class within the “deliberate spending” bucket. Deliberate spending may embrace one-time expenditures, not simply month-to-month budgets. While you create a funds, 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 could’t arrange an account via Apple or Google. There may be additionally no choice 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 | Cellular app: iOS, Android

A strong budgeting app that’s somewhat tougher to make use of than our prime choose, however not prohibitively so. (Energy customers may not thoughts.)

Execs

• A number of element and alternatives for personalization
• Useful “targets” function
• You may grant account entry to different individuals
• 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 funds trackers
• The cellular app feels restricted and fewer intuitive than the online model
• Doesn’t appear to tell apart 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 harder to make use of than others on this checklist, together with Simplifi, NerdWallet and Copilot. And it’s. Modifying expense classes, including recurring transactions and creating guidelines, for instance, is a bit more difficult than it must be, particularly within the cellular app. (My recommendation: Use the online app for fine-tuning particulars.) Monarch additionally didn’t get my earnings proper; I needed to edit it.

When you’re arrange, although, Monarch presents a powerful stage of granularity. Within the budgets part, you’ll be able to see a bona fide steadiness sheet displaying budgets and actuals for every class. You may additionally discover a forecast, for the 12 months or by month. And recurring bills may be set not simply by service provider, however different parameters as effectively. For example, whereas most Amazon purchases may be marked as “buying,” these for the quantities of $54.18 or $34.18 are positively child provides, and may be robotically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no technique to mark sure recurring funds as payments, particularly.

Not lengthy after I first printed this story in December 2023, Monarch introduced an in depth reporting part the place you’ll be able to create on-demand graphs primarily based on issues like accounts, classes and tags. That function is obtainable simply on the net model of the app for now. As a part of this identical replace, Monarch added assist for an aggregator that makes it attainable to robotically replace the worth of your automotive. This, mixed with the prevailing Zillow integration for monitoring your private home worth, makes it simple to shortly add a non-liquid asset like a car or actual property, and have it present up in your internet price graph.

The cellular app is usually self-explanatory. The principle dashboard reveals your internet price; your 4 most up-to-date transactions; a month-over-month spending comparability; earnings month-to-date; upcoming payments; an investments snapshot; a listing of any targets you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money stream; prime earnings and expense classes; money stream developments; modifications to your internet price, property and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that for those who click on on the Accounts tab you’ll be able to see how your internet price modified over totally different intervals of time, together with one month, three months, six months, a 12 months or all time.

On the principle display, you’ll additionally discover tabs for financial savings and checking accounts (and all others as effectively), transactions, money stream, funds and recurring. Like lots of the different apps featured right here, Monarch can auto-detect recurring bills and earnings, even when it will get the class incorrect. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise for those who’re so inclined.

Monarch Cash makes use of a mix 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 commonplace on this area, towards the tip of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach via these different two networks, if for some cause Plaid fails. Just like NerdWallet, I discovered myself finishing two-factor authentication each time I wished to get previous the Plaid display so as to add one other account. Notably, Monarch is the one different app I examined that permits you to grant entry to another person in your loved ones — possible 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 need to do no matter the place you select to take your Mint knowledge.

Moreover, Monarch simply added the flexibility to trace Apple Card, Apple Money, and Financial savings accounts, because of new performance introduced with the iOS 17.4 replace. It isn’t the one one both; at present, Copilot and YNAB have additionally added related performance that can be accessible to anybody with the newest variations of their respective apps on a tool working iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to robotically pull in transactions and steadiness historical past. That ought to make it simpler to account for spending on Apple playing cards and accounts all through the month.

Monarch additionally lately launched funding transactions in beta. It additionally says invoice monitoring and an overhauled targets system are coming quickly. Monarch hasn’t supplied a timeline for that final one, besides to say that the improved targets 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 | Cellular app: iOS

A fantastically designed and fairly priced app with a lot of options in improvement — together with Android and net apps.

Execs

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

Cons

• No net or Android app but
• Miscategorized extra bills than our prime choose
• A number of in any other case widespread options are nonetheless in improvement

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

Copilot Money may be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — at the very least for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and net apps are coming quickly. However till it follows via, I can’t advocate 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 keep watch over. It’s only a quick, environment friendly, effectively designed app, and Android customers can be in for a deal with after they’ll lastly be capable 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 the whole lot out of your budgets to your funding efficiency to your bank card debt over time. Particularly, Copilot does a greater job than virtually every other app of visualizing your recurring month-to-month bills.

Behind these punchy colours and cutesy emoji, although, is a few subtle efficiency. Copilot’s AI-powered “Intelligence” will get smarter as you go at categorizing your bills. (You too can add your individual classes, full along with your selection of emoji.) It’s not good. Copilot miscategorized some purchases (all of them do), nevertheless it makes it simpler to edit than most. On prime of that, the inner search function may be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

Copilot can be distinctive in providing Amazon and Venmo integrations, permitting you to see transaction particulars. With Amazon, this requires simply signing into your Amazon account by way of an in-app browser. For Venmo, you must arrange fwd@copilot.cash as a forwarding handle after which create a filter, whereby emails from venmo@venmo.com are robotically forwarded to fwd@copilot.cash. Like Monarch Cash, you can even add any property you personal and observe its worth via Zillow, which is built-in with the app.

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

Like Monarch Cash, Copilot up to date its app to make it simpler to connect with banks via 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, generally is a bugbear for some funds monitoring apps. In an much more current replace, Copilot added a Mint import choice, which different budgeting apps have begun to supply as effectively.

As a result of the app is comparatively new (it launched in early 2020), the corporate continues to be catching as much as the competitors on some table-stakes options. Ugarte advised me that his crew is nearly achieved constructing out an in depth money stream part as effectively. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its sensible expense categorization. These embrace “sensible monetary targets,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to offer individuals 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 12 months.

Copilot does a pair attention-grabbing issues for brand 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 individual accounts. The corporate can 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 | Cellular app: iOS, Android

The most effective free funds monitoring app you may get (and there aren’t many compromises moreover the ever-present adverts).

Execs

• Free
• Straightforward to make use of
• Useful weekly insights
• NerdWallet has a deep effectively of useful monetary explainers and guides
• One of many few choices that provides credit score rating monitoring

Cons

• Adverts in all places
• No customization for spending classes
• Much less adept at detecting common earnings
• One of many extra tedious setup processes

Free at NerdWallet

You could know NerdWallet as a web site that provides a mixture of private finance information, explainers and guides. I see it usually after I google a monetary time period I don’t know and certain sufficient, it’s one of many websites I’m most definitely to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. In reality, there is no such thing as a paid model; nothing is locked behind a paywall. The principle catch: There are adverts in all places. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card presents, NerdWallet has a clear, easy-to-understand person interface, which incorporates each an internet and a cellular app. The important thing metrics that it highlights most prominently are your money stream, internet price and credit score rating. (Of notice, though Mint itself provided credit score rating monitoring, most of its rivals don’t.) I significantly loved the weekly insights, which delve into issues like the place you spent essentially 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 data, you get some significantly particular class choices when establishing your accounts (suppose: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit fundamental. Like different apps I examined, you’ll be able to arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your funds 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 could’t customise your funds to the identical diploma as some competing apps. You may’t at present create customized spending classes, although a notice contained in the dashboard part of the app says “you’ll be capable to customise them sooner or later.” You can also’t transfer objects from the desires column to “wants” or vice versa however “Sooner or later, you can 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 probably the most onerous setup processes of any app I examined. I don’t suppose this can be a dealbreaker, as you’ll solely need to do it as soon as and, hopefully, you aren’t establishing six or seven apps in tandem as I used to be. What made NerdWallet’s onboarding particularly tedious is that each time I wished 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. This can be a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is likely one of the solely funds trackers to supply credit score rating monitoring, it additionally wants extra of your private data throughout setup, together with your birthday, handle, 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 earnings. In my case, it counted a big one-time wire switch as earnings, at which level my solely different choice was to enter my earnings manually (which is barely annoying as a result of I’d have wanted my pay stub helpful 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 | Cellular app: iOS, Android

An app with a cult following that promotes a unique, extra hands-on strategy to budgeting. Not for individuals who need a set-and-forget expertise.

Execs

• Significantly sturdy emphasis on budgeting
• Distinctive “zero-dollar” strategy to monetary planning that some individuals swear by

Cons

• Steep studying curve
• Tougher 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, “totally different from something you’ve tried earlier than.” The app, whose title is brief for You Want a Price range, 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’ll be able to all the time transfer cash from one envelope to a different in a pinch. These envelopes can embrace hire and utilities, together with unexpected bills like vacation items and the inevitable automotive restore. The thought is that for those who funds a certain quantity for the unknowns every month, they received’t really feel like they’re sneaking up on you.

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

The app is tougher to be taught than every other right here, and it requires extra ongoing effort from the person. 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 obtained comfy with the person interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new funds every month and to overview every transaction will not be essentially a foul factor. As YNAB says on its web site, “Positive, you’ve obtained pie charts displaying that you just 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 strategy being helpful for individuals who don’t are likely to have lots 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 instances every week).

My colleague Valentina Palladino, figuring out 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 may have main financial savings targets 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 strategy appears like overkill.

Different Mint options we examined

PocketGuard

PocketGuard was a stable free funds 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 a good choice. The principle overview display reveals you your internet price, whole property and money owed; internet earnings and whole spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you may have; and any targets. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” strategy, the place you enter your entire recurring payments, after which PocketGuard reveals you what’s left, and that’s what you’re alleged to be budgeting: your disposable earnings.

Though PocketGuard’s UI is simple sufficient to know, it lacks polish. The “accounts” tab is somewhat 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 have been accessible. The online model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t make the most 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, known 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 at the moment the business commonplace 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 know-how is baked into a wide selection of apps, together with the funds trackers I examined for this information. As soon as you discover the “add an account” choice in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search discipline you should utilize to look yours up immediately. As soon as you discover yours, you’ll be prompted to enter your login credentials. You probably have two-factor authentication arrange, you’ll must enter a one-time passcode as effectively.

Because the intermediary, Plaid is a passthrough for info that will embrace 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 corporations. Nevertheless, I’d 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 a press release supplied 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 targeted on us accelerating workstreams already underway associated to giving individuals extra transparency into Plaid’s position in connecting their accounts, and making certain that our workstreams round knowledge minimization stay on observe.”

The best way to import your monetary knowledge from the Mint app

Mint customers ought to think about getting their knowledge able to migrate to their new budgeting app of selection quickly. Sadly, importing knowledge from Mint will not be as simple as coming into your credentials from inside your new app and hitting “import.” In reality, any app that advertises the flexibility 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 facet 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.

Notice: Downloading on a per-account foundation may appear extra annoying, however may aid you get arrange on the opposite facet, 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 checklist of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn critiques of widespread apps on the App Retailer; and in addition requested mates and colleagues what funds monitoring apps they may be utilizing. A number of the apps I discovered have been free, identical to Mint. These, after all, present a great deal of adverts (excuse me, “presents”) to remain in enterprise. However a lot of the accessible apps require paid subscriptions, with costs usually topping out round $100 a 12 months, or $15 a month. (Spoiler: My prime choose is cheaper than that.)

Since this information is supposed to assist Mint customers discover a everlasting substitute, 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 completely testing these apps (and bear in mind, I actually was in search of a Mint alternative myself), I made some extent of including each account to each budgeting app, regardless of how small or immaterial the steadiness. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of coming into passwords and one-time passcodes, for a similar banks half a dozen instances 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 steadiness alerts and account linking. In case you pay for the premium tier, the service may aid you cancel undesirable subscriptions. We didn’t check it for this information, however we’ll think about it in future updates.