The 6 best Mint alternatives to replace the budgeting app that shut down

It has been over one 12 months since Intuit shut down the favored budgeting app Mint. I used to be a Mint consumer for a few years; tens of millions 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 usually to assist me observe spending, set targets like pay my mortgage down quicker and with normal 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 various. So I got down to discover a true substitute in one other budgeting app. The next information lays out my expertise testing among the hottest Mint substitute apps out there as we speak.

Our choose for finest Mint various stays Quicken Simplifi, even this lengthy after Mint being shut down, because of its simple to make use of app, good revenue and invoice detection and its reasonably priced worth. However there are many different stable choices on the market for these with totally different wants. In the event 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 can be best for you.

Desk of contents

• Best Mint alternatives in 2025

• What is Plaid and how does it work?

• My top Mint alternative picks

• How to import your financial data from the Mint app

• How we tested Mint alternatives

• What about Rocket Money?

Greatest Mint alternate options in 2025

No pun meant, 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 just simply preserve scrolling by means of to get an in depth overview of all of your stats. These embrace your top-line balances; web 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 provides neat, nearly playful visualizations with out ever trying 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 providers (I’m you, YNAB and Monarch).

Getting arrange with Simplifi was principally painless. I used to be notably impressed at how simply it linked to Constancy; not all finances trackers do, for no matter purpose. That is additionally one of many solely providers I examined that offers 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 a couple of months now: I want Simplifi supplied Zillow integration for simply monitoring your property 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 another asset.

Dana Wollman / Engadget

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 may as well mark for those who’re anticipating a refund, which is a singular characteristic among the many providers 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 characteristic can also be self-explanatory and may doubtless accommodate your most well-liked budgeting technique. Simply verify that your common revenue is correct and make sure to arrange recurring funds, making notice of that are payments and that are subscriptions. That is essential as a result of Simplifi reveals you your complete take-home revenue in addition to an “revenue after payments” determine. That quantity contains, 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 finances, Simplifi will recommend a quantity based mostly on a six-month common.

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

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 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 sophisticated 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 revenue proper; I needed to edit it.

When you’re arrange, although, Monarch provides a formidable stage of granularity. Within the budgets part, you’ll be able to see a bona fide stability sheet displaying budgets and actuals for every class. You will 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 is perhaps marked as “procuring,” these for the quantities of $54.18 or $34.18 are undoubtedly child provides, and may be robotically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no solution to mark sure recurring funds as payments, particularly.

Dana Wollman / Engadget

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 based mostly on issues like accounts, classes and tags. That characteristic is on the market simply on the internet model of the app for now. As a part of this similar replace, Monarch added help for an aggregator that makes it potential to robotically replace the worth of your automobile. This, mixed with the present Zillow integration for monitoring your property worth, makes it simple to shortly add a non-liquid asset like a car or actual property, and have it present up in your web price graph.

The cellular app is generally self-explanatory. The primary dashboard reveals your web price; your 4 most up-to-date transactions; a month-over-month spending comparability; revenue 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 circulation; prime revenue and expense classes; money circulation tendencies; adjustments to your web price, belongings 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 web 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 circulation, 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 mistaken. (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 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 trade normal on this house, towards the top of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach by means of these different two networks, if for some purpose 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 means that you can grant entry to another person in your loved ones — doubtless 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 information.

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; presently, Copilot and YNAB have additionally added comparable performance that can be out there to anybody with the newest variations of their respective apps on a tool working 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 targets system are coming quickly. Monarch hasn’t supplied a timeline for that final one, besides to say that the improved targets characteristic is coming quickly.

Copilot Money is perhaps 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 means of, 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, effectively designed app, and Android customers can be in for a deal with once they’ll lastly be capable of 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. Particularly, Copilot does a greater job than nearly another 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. (It’s also possible to add your individual classes, full along with your alternative of emoji.) It’s not excellent. Copilot miscategorized some purchases (all of them do), but it surely makes it simpler to edit than most. On prime of that, the inner search characteristic could be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

Dana Wollman / Engadget

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, you need to arrange fwd@copilot.cash as a forwarding deal with after which create a filter, whereby emails from venmo@venmo.com are robotically forwarded to fwd@copilot.cash. Like Monarch Cash, you may as well add any property you personal and observe its worth by means of 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 expenses, 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 by means of networks apart from Plaid. As a part of the identical replace, Copilot mentioned it has improved its connections to each American Categorical and Constancy which, once more, is usually 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 effectively.

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 advised me that his workforce is sort of achieved constructing out an in depth money circulation 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 present 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 spanking new prospects that distinguish it from the competitors. There’s a “demo mode” that looks like a sport simulator; no want so as to add your individual accounts. The corporate can also be providing two free months with RIPMINT — a extra beneficiant introductory provide 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.

It’s possible you’ll know NerdWallet as a web site that gives a mixture of private finance information, explainers and guides. I see it typically after I google a monetary time period I don’t know and positive sufficient, it’s one of many websites I’m almost 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 truth, there is no such thing as a paid model; nothing is locked behind a paywall. The primary catch: There are advertisements in every single place. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card provides, 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 circulation, web price and credit score rating. (Of notice, though Mint itself supplied 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 economic information, you get some notably particular class choices when establishing your accounts (assume: a Roth or non-Roth IRA).

Dana Wollman / Engadget

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 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 you could’t customise your finances to the identical diploma as some competing apps. You’ll be able to’t presently create customized spending classes, although a notice contained in the dashboard part of the app says “you’ll be capable of customise them sooner or later.” You can also’t transfer gadgets from the needs 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 supply an ETA, although.

Lastly, it’s price noting that NerdWallet had one of the crucial onerous setup processes of any app I examined. I don’t assume 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 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 among the solely finances trackers to supply credit score rating monitoring, it additionally wants extra of your private information throughout setup, together with your birthday, deal with, cellphone 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 helpful to double-check my take-home pay).

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 Finances, promotes a so-called zero-based budgeting system, which forces you to assign a function for each greenback you earn. A often 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 presents and the inevitable automobile restore. The concept is that for those who finances a specific amount for the unknowns every month, they gained’t really feel like they’re sneaking up on you.

Importantly, YNAB is barely involved with the cash you could have in your accounts now. The app doesn’t ask you to supply 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 means of your salaried job is just not related, as a result of YNAB doesn’t interact in forecasting.

The app is more durable to be taught than another 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 snug 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 overview every transaction is just not essentially a foul factor. As YNAB says on its web site, “Certain, you’ve acquired pie charts displaying that you just spent an obscene sum of money in eating places — however you’ve nonetheless spent an obscene sum of money in eating places.” I can see this strategy 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 per 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 could 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 looks like overkill.

PocketGuard is among the solely respected free finances trackers I discovered in my analysis. Simply realize it’s much more restricted on the free tier than NerdWallet or Mint. In my testing, I used to be prompted to pay after I tried to hyperlink greater than two financial institution accounts. A lot without cost, except you retain issues easy with one money account and one bank card. When it comes time to improve to PocketGuard Plus, you could have three choices: pay $7.99 a month, $34.99 a 12 months or $79.99 for a one-time lifetime license. That lifetime possibility is definitely one of many few distinctive promoting factors for me: I’m positive some individuals will respect paying as soon as and by no means having to, uh, finances for it once more.

From the principle display, you’ll see tabs for accounts, insights, transactions and the “Plan,” which is the place you see recurring funds stacked on prime of what seems to be like a finances. The primary overview display reveals you your web price, complete belongings and money owed; web revenue and complete spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you could have; and any targets.

Dana Wollman / Engadget

Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” strategy, the place you enter all your recurring payments, after which PocketGuard reveals you what’s left, and that’s what you’re purported to be budgeting: your disposable revenue. Clearly, different apps have a distinct philosophy: have in mind all your post-tax revenue and use it to pay the payments, buy belongings you need and possibly even save a bit. However in PocketGuard, it’s the “in your pocket” quantity that’s most outstanding. To PocketGuard’s credit score, it does a great job visualizing which payments are upcoming and which of them you’ve already paid.

PocketGuard has additionally publicly committed to including some in style options. These embrace rollover budgeting, categorization guidelines and shared family entry.

Dana Wollman / Engadget

Though PocketGuard’s UI is simple sufficient to grasp, it lacks polish. The “accounts” tab is a bit busy, and doesn’t present totals for classes like money or investments. Seemingly small particulars like weirdly phrased or punctuated copy often 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 net model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t benefit from the additional display actual property.

Of notice, though PocketGuard does work with Plaid, its main bank-connecting platform is definitely Finicity. Organising my accounts by means of Finicity was principally a simple course of. I did encounter one hiccup: Finicity wouldn’t hook up with my SoFi account. I used to be capable of do it by means of Plaid, however PocketGuard doesn’t make it simple to entry Plaid within the app. The one means, so far as I can inform, is to knowingly seek for the title of a financial institution that isn’t out there by means of Finicity, at which level you get the choice to strive Plaid as an alternative. Like I mentioned: the expertise may be janky.

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 drag in monetary information, 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 as we speak the trade normal 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 providers 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 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 area you should use to look yours up straight. As soon as you discover yours, you’ll be prompted to enter your login credentials. In case you have two-factor authentication arrange, you’ll must enter a one-time passcode as effectively.

Because the intermediary, Plaid is a passthrough for info which 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 information to different firms. Nonetheless, 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 gathering “extra monetary information than was wanted.” As a part of the settlement, Plaid was compelled to alter a few of its enterprise practices.

In an announcement supplied to Engadget, a Plaid spokesperson mentioned 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 individuals extra transparency into Plaid’s position in connecting their accounts, and making certain that our workstreams round information minimization stay on observe.”

My prime Mint various picks

To conclude, you is perhaps questioning what app I made a decision on for myself in spite of everything of this analysis. The reply is definitely two apps: Quicken Simplifi, my total prime choose, and Copilot Cash. For now, I’m actively utilizing each apps and nonetheless deciding, long-term, which I really feel extra snug with. I are likely to want Copilot’s quick, colourful consumer interface, however as I defined above, it is too missing in table-stakes options for me to go as far as to call it the very best total possibility.

Methods to import your monetary information from the Mint app

Mint customers ought to contemplate getting their information able to migrate to their new budgeting app of alternative quickly. Sadly, importing information from Mint is just not as simple as coming into your credentials from inside your new app and hitting “import.” In truth, 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 information.

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.

Be aware: Downloading on a per-account foundation may appear extra annoying, however may make it easier 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 alternate options

Earlier than I dove into the world of budgeting apps, I had to do a little analysis. To discover a checklist of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn opinions of in style apps on the App Retailer; and in addition requested mates and colleagues what finances monitoring apps they is perhaps utilizing. A few of the apps I discovered had been free, similar to Mint. These, in fact, present a great deal of advertisements (excuse me, “provides”) to remain in enterprise. However many of the out there apps require paid subscriptions, with costs sometimes 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 providers I selected to check wanted to do a number of issues: import all your account information into one place; provide budgeting instruments; and observe your spending, web price and credit score rating. Besides the place famous, all of those apps can be found for iOS, Android and on the internet.

As soon as I had my shortlist of six apps, I set to work setting them up. For the sake of totally testing these apps (and keep in mind, I actually was in search of a Mint alternative myself), I made a degree of including each account to each budgeting app, irrespective of how small or immaterial the stability. 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 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 the event you pay for the premium tier, the service may make it easier to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll contemplate it in future updates.

This text initially appeared on Engadget at https://www.engadget.com/apps/the-best-budgeting-apps-to-replace-mint-143047346.html?src=rss

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