Mint alternatives

What happened to Mint

On October 31, 2023, Intuit Credit Karma announced that Mint was going away and invited Mint's users to move to Credit Karma, which Intuit also owns. Mint was first due to close on January 1, 2024. The date was later moved, and Mint shut down on March 23, 2024. Mint's old address now says it has been reimagined on Credit Karma.

Intuit said people who moved their Mint account to Credit Karma could bring over most of their account balances, their net worth history and three years of transactions. Budgets didn't come with them. Credit Karma shows your spending by category, but it doesn't let you set a monthly budget or a budget per category. That's why many Mint users who budgeted went looking for something else.

What Mint did, and which apps do it now

Mint was free, paid for by ads and offers for financial products. Before you pick a replacement, decide which of its features you actually used:

• Automatic bank sync. Mint pulled in transactions from your banks, cards and investment accounts. Every app on this list does that, except EveryDollar's free version, Goodbudget's free plan, PocketSmith's free plan and UrBudget, which work with transactions you type in or files you download from your bank.
• A budget per category. In Mint you set a spending limit for each category. Monarch, Copilot, Simplifi, YNAB, EveryDollar, Goodbudget, PocketSmith and UrBudget let you budget by category. Rocket Money's free plan has a total budget and a few category budgets. Empower has a single monthly figure, and Credit Karma has none.
• Bills. Mint tracked due dates and alerted you before a bill was due. Credit Karma, Simplifi, Copilot and Rocket Money track upcoming bills and subscriptions.
• Net worth and investments. Mint showed all your accounts in one place. Empower, Monarch, Copilot and Simplifi track investments alongside everything else, and Credit Karma shows your net worth.
• A credit score. Mint showed one on its dashboard. Credit Karma shows free credit scores from TransUnion and Equifax, and Rocket Money's free plan shows a credit score.
• Free. Credit Karma and Empower's dashboard cost nothing. Rocket Money, EveryDollar, Goodbudget and PocketSmith have free plans with limits.

Quick picks

Credit Karma

Where Intuit sent Mint's users. It's free, and it carried over Mint's spending and net worth tracking, but not its budgets.

• Price: free. Credit Karma is paid by the banks and lenders whose products it recommends, typically a commission when you're approved for one.
• Runs on: the web, iPhone and Android.
• Bank sync: yes. Connect your accounts, and a spending tracker pulls in their transactions.
• Budgets: none you can set. It shows spending by category, upcoming bills and subscriptions, and Left After Bills, an estimate of what you'll have once upcoming bills are paid.
• Also: net worth from your connected accounts, and free VantageScore 3.0 credit scores from TransUnion and Equifax.
• Coming from Mint: if you moved your Mint account before it closed, your accounts and history are already there.
• Limits: no monthly or category budgets, and you'll see offers for credit cards and loans, which is how it earns its money.

Monarch Money

Every account in one place through bank sync, with budgets, net worth and investments on top: the closest match on this list to what Mint did.

• Price: Core is $14.99 a month or $99.99 a year; Plus is $199.99 a year. 7-day free trial, with a payment method required.
• Runs on: the web, iPhone, iPad and Android, in the US and Canada.
• Bank sync: through Plaid, Finicity and MX, and you can switch provider per bank. CSV import on the web.
• Budgets: based on cash flow. One number for flexible spending by default, or a budget per category, with optional rollovers.
• Also: net worth, investment holdings and custom reports. Invite household members at no extra cost, each with their own login.
• Coming from Mint: Monarch added an import for Mint's export file in December 2021. Its importer, on the web, takes one file with several accounts in it. Its current help doesn't mention Mint by name and says imports can't be undone, so try a small file first.
• Limits: no free plan, and no one-time price.

UrBudget vs Monarch Money

Quicken Simplifi

Quicken's web and phone app, and cheaper than Monarch or Copilot. It works out what you have left to spend each month.

• Price: $6.99 a month, billed yearly.
• Runs on: the web, iOS and Android. Quicken's products aren't designed for use outside the US and Canada.
• Bank sync: more than 14,000 financial institutions.
• Budgets: a Spending Plan: income minus bills, subscriptions and savings leaves what you can spend. Planned spending sets a target for a category, such as groceries or dining, with an optional rollover.
• Also: upcoming bills and subscriptions, savings goals, projected cash flow, net worth and investments. Share it with one other person.
• Coming from Mint: Simplifi's help still covers Mint files. On the web, choose the Mint option when you import into an account, and don't edit the file first. Up to 10,000 transactions per import.
• Limits: billed yearly only, and the import works on the web, not in the phone app.

UrBudget vs Quicken

Copilot Money

An automatic spending tracker for iPhone, iPad and Mac, with a web version.

• Price: $13 a month or $95 a year, after a one-month free trial.
• Runs on: iPhone, iPad, Mac and the web. No Android or Windows app.
• Bank sync: US financial institutions and accounts only, mostly through Plaid.
• Budgets: a spending budget per category, with optional rollovers. It isn't tied to your income, and you can turn budgeting off and just track.
• Also: investments, net worth, recurring charges and upcoming bills. Its AI sorts transactions and learns your habits.
• Limits: US banks only, and no separate logins for a partner; you share your own sign-in.

UrBudget vs Copilot Money

Empower

The free dashboard formerly known as Personal Capital, which Empower bought in 2020. It's strongest on investments, retirement and net worth.

• Price: free. Empower sells investment advice for a fee; its Personal Strategy service is for people who invest more than $250,000 with it.
• Runs on: the web, iPhone and Android.
• Bank sync: yes: bank, credit card, investment and other accounts.
• Budgets: basic. You set one monthly budget figure, and it shows your spending by category. Empower's help says you can't set specific budgeting goals.
• Also: net worth, a retirement planner, portfolio analysis, a savings planner, debt paydown and an emergency fund tool.
• Limits: no budget per category, so it's a tracker more than a budget.

Rocket Money

A phone app built around finding your subscriptions and bills, with budgets on top.

• Price: a free plan. Premium is "pay what you think is fair", typically $7 to $14 a month; Premium+ is $15 a month.
• Runs on: iPhone and Android. Using it in a web browser is a Premium feature.
• Bank sync: yes, on every plan. Premium adds syncing on demand.
• Budgets: the free plan has a total budget, a few set category budgets and up to two custom ones. Premium makes budgets unlimited.
• Also: subscription tracking, upcoming bills and a credit score on the free plan. Premium adds net worth, a full credit report, transaction export, a second login for a partner, and cancelling subscriptions for you.
• Limits: bill negotiation costs 35% to 60% of the first year's savings, except on Premium+.

YNAB

The best-known envelope budget: you give every dollar you have a job before you spend it. A different habit from Mint's tracking, and the reason many people switch.

• Price: $14.99 a month or $109 a year, after a 34-day free trial with no card needed.
• Runs on: the web, iPhone and Android.
• Bank sync: in the US, Canada, the UK and the EU.
• Budgets: envelope (zero-based): you assign the money you have to categories, and what you don't spend stays in them.
• Also: one subscription can be shared with up to five other people.
• Limits: it asks for more of your attention than Mint did, and there's no free plan.

UrBudget vs YNAB · YNAB alternatives

EveryDollar

Ramsey Solutions' zero-based budget, on the web and your phone.

• Price: a free version where you enter transactions by hand. Premium is $79.99 a year or $17.99 a month, with a 14-day trial for new users.
• Runs on: the web, iPhone, iPad and Android. The phone apps and Premium are for the US only.
• Bank sync: Premium only, through Mastercard and Plaid. No file import.
• Budgets: zero-based, month by month: you plan the month's income until nothing is left unplanned. Unspent money doesn't carry over by itself, except in Funds.
• Also: invite your spouse, and you both edit one budget.
• Limits: the free version has no bank sync, which is the part most Mint users relied on.

UrBudget vs EveryDollar

Goodbudget

The envelope method on the web and your phone, built for households that share one budget.

• Price: a free plan with 20 envelopes (10 regular, 10 more), 1 account, 2 devices and 1 year of history. Premium is $10 a month or $80 a year, with unlimited envelopes and accounts, 5 devices and 7 years of history.
• Runs on: the web, iPhone and Android.
• Bank sync: Premium only, for US banks. Any plan can import OFX, QFX or CSV files on the web.
• Budgets: envelope: you put money in each envelope up front and spend from it.
• Also: everyone in the household signs in with the same login, and changes sync across your phones.
• Limits: the free plan has one account and no bank sync.

UrBudget vs Goodbudget

PocketSmith

A tracker built around a calendar and long-range forecasts, with bank feeds in many countries.

• Price: a free plan with 2 accounts, 12 budgets and files you upload yourself. Paid plans run from $9.99 to $26.66 a month billed yearly, or $14.95 to $39.95 billed monthly.
• Runs on: the web, with a companion app for iOS and Android.
• Bank sync: on paid plans, live bank feeds in 49 countries. The cheapest paid plan connects 6 banks from one country.
• Budgets: budgets sit on a calendar, and PocketSmith projects your balances ahead, from 6 months on the free plan to 60 years on the top one.
• Limits: the free plan has no bank feeds, and how many banks you can connect depends on the plan.

UrBudget

An envelope budget for Windows and Mac that you pay for once. It's the odd one out on this list: it doesn't connect to your bank. If automatic syncing is what you liked about Mint, Monarch, Copilot, Simplifi or Empower will suit you better. UrBudget suits people who want a private budget on their own computer, want to pay once, and don't mind downloading a file from their bank every week or two.

• Price: free for 30 days with no account or card, then $9 once for all your own computers, with future updates. Sync between your computers is optional, at $2 a month.
• Runs on: Windows 10 and 11, and macOS 12 or later.
• Bank sync: none. You download statement files from your bank's website (CSV, OFX, QFX or QIF) and import them into one account at a time. You see every row before it's saved, and rows you've already imported are marked as duplicates. How file import works.
• Budgets: envelope: you assign the money you have to categories, and each one keeps its balance into the next month. Targets for bills that don't come every month, and credit-card payment categories.
• Also: scheduled transactions for bills and income, a loan planner, and twelve reports, including net worth. Investment accounts can be added as tracking accounts with a balance you update.
• Your data: in a file on your computer, with automatic backups. It works offline and needs no account. Sync is encrypted with your passphrase before it leaves your computer.
• Limits: no bank sync, no phone, tablet or web version, no credit score, no investment holdings or prices, and no shared budget for several people. Scheduled bills are entered while the app is open; it doesn't send reminders when it's closed.

Common questions

Is there a free Mint replacement?

Credit Karma and Empower are free and connect to your banks the way Mint did. Credit Karma covers spending, bills, net worth and credit scores, but has no budgets. Empower is stronger on investments and retirement, and its budget is one monthly figure. For category budgets at no cost, Rocket Money's free plan has a total budget and a few category budgets on your phone. EveryDollar, Goodbudget and PocketSmith have free plans too, but without bank sync.

Does Credit Karma replace Mint?

Partly. It's free, connects your accounts, shows spending by category, upcoming bills and your net worth, and gives you free credit scores. What it doesn't do is let you set a budget, monthly or per category. If you used Mint to see where your money went, Credit Karma may be enough. If you used Mint's budgets, look at Monarch, Simplifi or Copilot for the same kind of tracking with budgets, or at YNAB, Goodbudget or UrBudget to budget with envelopes.

Which apps can import my old Mint data?

Mint closed on March 23, 2024, so what you can bring anywhere now is a file you downloaded from Mint before then. Its columns are Date, Description, Original Description, Amount, Transaction Type, Category, Account Name, Labels and Notes. Quicken Simplifi's help still covers these files: on the web, choose the Mint option and import the file unchanged into an account. Monarch added an import for Mint's file in 2021, and its importer takes one file with several accounts in it, but check the column mapping before you import. If you moved to Credit Karma before Mint closed, your history is already there.

UrBudget can't read a Mint file as it is. Mint wrote every amount as a positive number and put the direction in Transaction Type, and the file holds every account together. To use one, open it in a spreadsheet, make the amount negative on every debit row, and save one file per account. Categories don't come over. For most people, starting from today with fresh statement files from the bank is simpler.

All of them side by side

Mint, Credit Karma and every other product named here are trademarks of their owners. UrBudget isn't affiliated with any of them.

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