The 5 Best Mint Alternatives To Replace The Budgeting App That Shut Down

Table of contents

• Best Mint alternatives successful 2025

• Other Mint alternatives we tested

• What is Plaid and really does it work?

• How to import your financial information from nan Mint app

• How we tested Mint alternatives

• What astir Rocket Money?

Best Mint alternatives successful 2025

No pun intended, but what I for illustration astir Quicken Simplifi is its simplicity. Whereas different budgeting apps effort to separate themselves pinch acheronian themes and customizable emoji, Simplifi has a cleanable personification interface, pinch a landing page that you conscionable support scrolling done to get a elaborate overview of each your stats. These see your top-line balances; nett worth; caller spending; upcoming recurring payments; a snapshot of your spending plan; apical spending categories; achievements; and immoderate watchlists you’ve group up.

Another 1 of nan cardinal features I admit is nan expertise to group up savings goals elsewhere successful nan app. I besides admit really it offers neat, almost playful visualizations without ever looking cluttered. I felt astatine location successful nan mobile and web dashboards aft a time aliases so, which is faster than I adapted to immoderate competing services (I’m looking astatine you, YNAB and Monarch).

Getting group up pinch Simplifi was mostly painless. I was peculiarly impressed astatine really easy it connected to Fidelity; not each fund trackers do, for immoderate reason. This is besides 1 of nan only services I tested that gives you nan action of inviting a spouse aliases financial advisor to co-manage your account. One point I would adhd to my first appraisal of nan app, having utilized it for a fewer months now: I wish Simplifi offered Zillow integration for easy search your location worth (or astatine slightest a unsmooth estimate of it). Various competitors including Monarch Money and Copilot Money activity pinch Zillow, truthful intelligibly there's a Zillow API disposable for use. As it stands, Simplifi users must adhd existent property manually for illustration immoderate different asset.

In practice, Simplifi miscategorized immoderate of my expenses, but thing retired of nan mean compared to immoderate of these fund trackers. As you’re reviewing transactions, you tin besides people if you’re expecting a refund, which is simply a unsocial characteristic among nan services I tested. Simplifi besides estimated my regular income amended than immoderate different apps I tested. Most of all, I appreciated nan action of being capable to categorize some, but not all, purchases from a merchant arsenic recurring. For instance, I tin adhd my 2 Amazon subscribe-and-saves arsenic recurring payments, without having to create a broad-strokes norm for each Amazon purchase.

The budgeting characteristic is besides self-explanatory and tin apt accommodate your preferred budgeting method. Just cheque that your regular income is meticulous and beryllium judge to group up recurring payments, making statement of which are bills and which are subscriptions. This is important because Simplifi shows you your full take-home income arsenic good arsenic an “income aft bills” figure. That number includes, well, bills but not discretionary subscriptions. From there, you tin adhd spending targets by class successful nan “planned spending” bucket. Planned spending tin besides see one-time expenditures, not conscionable monthly budgets. When you create a budget, Simplifi will propose a number based connected a six-month average.

Not dealbreakers, but 2 things to support successful mind arsenic you get started: Simplifi is notable successful that you can’t group up an relationship done Apple aliases Google. There is besides nary action for a free trial, though Quicken promises a “30-day money backmost guarantee.”

Monarch Money grew connected me. My first belief of nan budgeting app, which was founded by a erstwhile Mint merchandise manager, was that it's much difficult to usage than others connected this list, including Simplifi, NerdWallet and Copilot. And it is. Editing disbursal categories, adding recurring transactions and creating rules, for example, is simply a small much analyzable than it needs to be, particularly successful nan mobile app. (My advice: Use nan web app for fine-tuning details.) Monarch besides didn’t get my income right; I had to edit it.

Once you’re group up, though, Monarch offers an awesome level of granularity. In nan budgets section, you tin spot a bona fide equilibrium expanse showing budgets and actuals for each category. You'll besides find a forecast, for nan twelvemonth aliases by month. And recurring expenses tin beryllium group not conscionable by merchant, but different parameters arsenic well. For instance, while astir Amazon purchases mightiness beryllium marked arsenic “shopping,” those for nan amounts of $54.18 aliases $34.18 are decidedly babe supplies, and tin beryllium automatically marked arsenic specified each time, not to mention programmed arsenic recurring payments. Weirdly, though, there’s nary measurement to people definite recurring payments arsenic bills, specifically.

Not agelong aft I first published this communicative successful December 2023, Monarch introduced a elaborate reporting conception wherever you tin create on-demand graphs based connected things for illustration accounts, categories and tags. That characteristic is disposable conscionable connected nan web type of nan app for now. As portion of this aforesaid update, Monarch added support for an aggregator that makes it imaginable to automatically update nan worth of your car. This, mixed pinch nan existing Zillow integration for search your location value, makes it easy to quickly adhd a non-liquid plus for illustration a conveyance aliases existent estate, and person it show up successful your nett worthy graph.

The mobile app is mostly self-explanatory. The main dashboard shows your nett worth; your 4 astir caller transactions; a month-over-month spending comparison; income month-to-date; upcoming bills; an investments snapshot; a database of immoderate goals you’ve set; and, finally, a nexus to your month-in-review. That month-in-review is much elaborate than most, delving into rate flow; apical income and disbursal categories; rate travel trends; changes to your nett worth, assets and liabilities; positive plus and liability breakdowns. In February 2024, Monarch expanded connected nan nett worthy graph, truthful that if you click connected nan Accounts tab you tin spot really your nett worthy changed complete different periods of time, including 1 month, 3 months, six months, a twelvemonth aliases each time.

On nan main screen, you’ll besides find tabs for savings and checking accounts (and each others arsenic well), transactions, rate flow, fund and recurring. Like galore of nan different apps featured here, Monarch tin auto-detect recurring expenses and income, moreover if it gets nan class wrong. (They each do to an extent.) Expense categories are marked by emoji, which you tin customize if you’re truthful inclined.

Monarch Money uses a operation of networks to link pinch banks, including Plaid, MX and Finicity, a competing web owned by Mastercard. (I person a speedy explainer connected Plaid, nan manufacture modular successful this space, toward nan extremity of this guide.) As portion of an update successful precocious December, Monarch has besides made it easier to link done those different 2 networks, if for immoderate logic Plaid fails. Similar to NerdWallet, I recovered myself completing two-factor authentication each clip I wanted to get past nan Plaid surface to adhd different account. Notably, Monarch is nan only different app I tested that allows you to assistance entree to personification other successful your family — apt a spouse aliases financial advisor. Monarch besides has a Chrome extension for importing from Mint, though really this is conscionable a shortcut for downloading a CSV file, which you’ll person to do sloppy of wherever you take to return your Mint data.

Additionally, Monarch conscionable added nan expertise to way Apple Card, Apple Cash, and Savings accounts, acknowledgment to caller functionality brought pinch nan iOS 17.4 update. It's not nan only 1 either; currently, Copilot and YNAB person besides added akin functionality that will beryllium disposable to anyone pinch nan latest versions of their respective apps connected a instrumentality moving iOS 17.4. Instead of manually uploading statements, nan caller functionality allows apps for illustration Monarch's to automatically propulsion successful transactions and equilibrium history. That should make it easier to relationship for spending connected Apple cards and accounts passim nan month.

Monarch besides precocious launched finance transactions successful beta. It besides says measure search and an overhauled goals strategy are coming soon. Monarch hasn't provided a timeline for that past one, isolated from to opportunity that nan improved goals characteristic is coming soon.

Copilot Money mightiness beryllium nan best-looking budgeting app I tested. It besides has nan favoritism of being exclusive to iOS and Macs — astatine slightest for now. Andres Ugarte, nan company’s CEO, has publically promised that Android and web apps are coming soon. But until it follows through, I can’t urge Copilot for astir group pinch truthful galore bully competitors retired there.

There are different features that Copilot is missing, which I’ll get into. But it is promising, and 1 to support an oculus on. It’s conscionable a fast, efficient, good designed app, and Android users will beryllium successful for a dainty erstwhile they’ll yet beryllium capable to download it. It makes bully usage of colors, emoji and graphs to thief you understand astatine a glimpse really you’re doing connected everything from your budgets to your finance capacity to your in installments paper indebtedness complete time. In particular, Copilot does a amended occupation than almost immoderate different app of visualizing your recurring monthly expenses.

Behind those punchy colors and cutesy emoji, though, is immoderate blase performance. Copilot’s AI-powered “Intelligence” gets smarter arsenic you spell astatine categorizing your expenses. (You tin besides adhd your ain categories, complete pinch your prime of emoji.) It’s not perfect. Copilot miscategorized immoderate purchases (they each do), but it makes it easier to edit than most. On apical of that, nan soul hunt characteristic is very fast; it starts whittling down results successful your transaction history arsenic soon arsenic you statesman typing.

Copilot is besides unsocial successful offering Amazon and Venmo integrations, allowing you to spot transaction details. With Amazon, this requires conscionable signing into your Amazon relationship via an in-app browser. For Venmo, you person to group up fwd@copilot.money arsenic a forwarding reside and past create a filter, wherein emails from venmo@venmo.com are automatically forwarded to fwd@copilot.money. Like Monarch Money, you tin besides adhd immoderate spot you ain and way its worth done Zillow, which is integrated pinch nan app.

While nan app is heavy automated, I still admit that Copilot marks caller transactions for review. It’s a bully measurement to some weed retired fraudulent charges, and besides beryllium somewhat intentional astir your spending habits.

Like Monarch Money, Copilot updated its app to make it easier to link to banks done networks different than Plaid. As portion of nan aforesaid update, Copilot said it has improved its connections to some American Express and Fidelity which, again, tin beryllium a bugbear for immoderate fund search apps. In an moreover much caller update, Copilot added a Mint import option, which different budgeting apps person begun to connection arsenic well.

Because nan app is comparatively caller (it launched successful early 2020), nan institution is still catching up to nan title connected immoderate table-stakes features. Ugarte told maine that his squad is almost done building retired a elaborate rate travel conception arsenic well. On its website, Copilot besides promises a raft of AI-powered features that build connected its existent “Intelligence” platform, nan 1 that powers its smart disbursal categorization. These see “smart financial goals,” earthy connection search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is meant to springiness group a consciousness of really they’re doing compared to different Copilot users, connected some spending and finance performance. Most of these features should get successful nan caller year.

Copilot does a mates absorbing things for caller customers that separate it from nan competition. There’s a “demo mode” that feels for illustration a crippled simulator; nary request to adhd your ain accounts. The institution is besides offering 2 free months pinch RIPMINT — a much generous introductory connection than most. When it yet does travel clip to pony up, nan $7.92 monthly scheme is cheaper than immoderate competing apps, though nan $95-a-year-option is successful nan aforesaid ballpark.

You whitethorn cognize NerdWallet arsenic a tract that offers a operation of individual finance news, explainers and guides. I spot it often erstwhile I google a financial word I don’t cognize and judge enough, it’s 1 of nan sites I’m astir apt to click on. As it happens, NerdWallet besides has nan favoritism of offering 1 of nan only free budgeting apps I tested. In fact, location is nary paid version; thing is locked down a paywall. The main catch: There are ads everywhere. To beryllium fair, nan free type of Mint was for illustration this, too.

Even pinch nan inescapable in installments paper offers, NerdWallet has a clean, easy-to-understand personification interface, which includes some a web and a mobile app. The cardinal metrics that it highlights astir prominently are your rate flow, nett worthy and in installments score. (Of note, though Mint itself offered in installments people monitoring, astir of its rivals do not.) I peculiarly enjoyed nan play insights, which delve into things for illustration wherever you spent nan astir money aliases really overmuch you paid successful fees — and really that compares to nan erstwhile month. Because this is NerdWallet, an encyclopedia of financial info, you get immoderate peculiarly circumstantial class options erstwhile mounting up your accounts (think: a Roth aliases non-Roth IRA).

As a budgeting app, NerdWallet is much than serviceable, if a spot basic. Like different apps I tested, you tin group up recurring bills. Importantly, it follows nan celebrated 50/30/20 budgeting rule, which has you putting 50% of your fund toward things you need, 30% toward things you want, and nan remaining 20% into savings aliases indebtedness repayments. If this useful for you, awesome — conscionable cognize that you can’t customize your fund to nan aforesaid grade arsenic immoderate competing apps. You can’t presently create civilization spending categories, though a statement wrong nan dashboard conception of nan app says “you’ll beryllium capable to customize them successful nan future.” You besides can’t move items from nan wants file to “needs” aliases vice versa but “In nan future, you'll beryllium capable to move circumstantial transactions to actively negociate what falls into each group.” A NerdWallet spokesperson declined to supply an ETA, though.

Lastly, it’s worthy noting that NerdWallet had 1 of nan astir onerous setup processes of immoderate app I tested. I don’t deliberation this is simply a dealbreaker, arsenic you’ll only person to do it erstwhile and, hopefully, you aren’t mounting up six aliases 7 apps successful tandem arsenic I was. What made NerdWallet’s onboarding particularly tedious is that each clip I wanted to adhd an account, I had to spell done a two-factor authentication process to moreover get past nan Plaid scatter screen, and that’s not including nan 2FA I had group up astatine each of my banks. This is simply a information argumentation connected NerdWallet’s end, not Plaid’s, a Plaid spokesperson says.

Precisely because NerdWallet is 1 of nan only fund trackers to connection in installments people monitoring, it besides needs much of your individual info during setup, including your birthday, address, telephone number and nan past 4 digits of your societal information number. It’s nan aforesaid pinch Credit Karma, which besides does in installments people monitoring.

Related to nan setup process, I recovered that NerdWallet was little adept than different apps astatine automatically detecting my regular income. In my case, it counted a ample one-time ligament transportation arsenic income, astatine which constituent my only different action was to participate my income manually (which is somewhat annoying because I would person needed my salary stub useful to double-check my take-home pay).

YNAB is, by its ain admission, “different from thing you’ve tried before.” The app, whose sanction is short for You Need a Budget, promotes a alleged zero-based budgeting system, which forces you to delegate a intent for each dollar you earn. A often utilized affinity is to put each dollar successful an envelope; you tin ever move money from 1 letter cover to different successful a pinch. These envelopes tin see rent and utilities, on pinch unforeseen expenses for illustration vacation gifts and nan inevitable car repair. The thought is that if you fund a definite magnitude for nan unknowns each month, they won’t consciousness for illustration they’re sneaking up connected you.

Importantly, YNAB is only concerned pinch nan money you person successful your accounts now. The app does not inquire you to supply your take-home income aliases group up recurring income payments (although location is simply a measurement to do this). The money you will make later successful nan period done your salaried occupation is not relevant, because YNAB does not prosecute successful forecasting.

The app is harder to study than immoderate different here, and it requires much ongoing effort from nan user. And YNAB knows that. Inside some nan mobile and web apps are links to videos and different tutorials. Although I ne'er rather sewage comfortable pinch nan personification interface, I did travel to admit YNAB’s insistence connected intentionality. Forcing users to draught a caller fund each period and to reappraisal each transaction is not needfully a bad thing. As YNAB says connected its website, “Sure, you’ve sewage pastry charts showing that you spent an obscene magnitude of money successful restaurants — but you’ve still spent an obscene magnitude of money successful restaurants.” I tin spot this attack being useful for group who don’t thin to person a batch of rate successful reserve astatine a fixed time, aliases who person spending habits they want to correct (to riff disconnected of YNAB’s ain example, ordering Seamless 4 times a week).

My workfellow Valentina Palladino, knowing I was moving connected this guide, penned a respectful rebuttal, explaining why she’s been utilizing YNAB for years. Perhaps, for illustration her, you person awesome savings goals you want to achieve, whether it’s paying for a wedding aliases buying a house. I propose you springiness her file a read. For me, though, YNAB’s attack feels for illustration overkill.

Other Mint alternatives we tested

PocketGuard

PocketGuard utilized to beryllium a coagulated free fund tracker, but nan institution has since constricted its “free” type to conscionable a free seven-day trial. Now, you’ll person to take betwixt 2 plans erstwhile nan proceedings is over: a $13 monthly scheme aliases a $75 yearly plan. When I first tested it, I recovered it to beryllium much restricted than NerdWallet, but still a decent option. The main overview surface shows you your nett worth, full assets and debts; nett income and full spending for nan month; upcoming bills; a useful reminder of erstwhile your adjacent paycheck lands; immoderate indebtedness payoff scheme you have; and immoderate goals. Like immoderate different apps, including Quicken Simplifi, PocketGuard promotes an “after bills” approach, wherever you participate each of your recurring bills, and past PocketGuard shows you what’s left, and that’s what you’re expected to beryllium budgeting: your disposable income.

Although PocketGuard’s UI is easy capable to understand, it lacks polish. The “accounts” tab is simply a small busy, and doesn’t show totals for categories for illustration rate aliases investments. Seemingly mini specifications for illustration weirdly phrased aliases punctuated transcript occasionally make nan app consciousness janky. More than once, it prompted maine to update nan app erstwhile nary updates were available. The web version, meanwhile, feels for illustration nan mobile app blown up to a larger format and doesn’t return advantage of nan other surface existent estate. Ultimately, now that nan free tier is gone, it conscionable doesn’t coming nan aforesaid worth proposition arsenic it erstwhile did.

What is Plaid and really does it work?

Each of nan apps I tested uses nan aforesaid underlying network, called Plaid, to propulsion successful financial data, truthful it’s worthy explaining successful its ain conception what it is and really it works. Plaid was founded arsenic a fintech startup successful 2013 and is coming nan manufacture modular successful connecting banks pinch third-party apps. Plaid useful pinch complete 12,000 financial institutions crossed nan US, Canada and Europe. Additionally, much than 8,000 third-party apps and services trust connected Plaid, the institution claims.

To beryllium clear, you don’t request a dedicated Plaid app to usage it; nan exertion is baked into a wide array of apps, including nan fund trackers I tested for this guide. Once you find nan “add an account” action successful whichever 1 you’re using, you’ll spot a paper of commonly utilized banks. There’s besides a hunt section you tin usage to look yours up directly. Once you find yours, you’ll beryllium prompted to participate your login credentials. If you person two-factor authentication group up, you’ll request to participate a one-time passcode arsenic well.

As nan middleman, Plaid is simply a passthrough for accusation that whitethorn see your relationship balances, transaction history, relationship type and routing aliases relationship number. Plaid uses encryption, and says it has a argumentation of not trading aliases renting customer information to different companies. However, I would not beryllium doing my occupation if I didn’t statement that successful 2022 Plaid was forced to salary $58 cardinal to consumers successful a people action suit for collecting “more financial information than was needed.” As portion of nan settlement, Plaid was compelled to alteration immoderate of its business practices.

In a connection provided to Engadget, a Plaid spokesperson said nan institution continues to contradict nan allegations underpinning nan suit and that “the crux of nan non-financial position successful nan colony are focused connected america accelerating workstreams already underway related to giving group much transparency into Plaid’s domiciled successful connecting their accounts, and ensuring that our workstreams astir information minimization stay connected track.”

How to import your financial information from nan Mint app

Mint users should see getting their information fresh to migrate to their caller budgeting app of prime soon. Unfortunately, importing information from Mint is not arsenic easy arsenic entering your credentials from wrong your caller app and hitting “import.” In fact, immoderate app that advertises nan expertise to larboard complete your stats from Mint is conscionable going to person you upload a CSV record of transactions and different data.

To download a CSV record from Mint, do nan following:

1. Sign into Mint.com and deed Transactions successful nan paper connected nan near broadside of nan screen.

2. Select an account, aliases all accounts.

3. Scroll down and look for “export [number] transactions” successful smaller print.

4. Your CSV record should statesman downloading.

Note: Downloading connected a per-account ground mightiness look much annoying, but could thief you get group up connected nan different side, if nan app you’re utilizing has you importing transactions one-for-one into their corresponding accounts.

How we tested Mint alternatives

Before I dove into nan world of budgeting apps, I had to do immoderate research. To find a database of apps to test, I consulted trusty ol’ Google (and moreover trustier Reddit); publication reviews of celebrated apps connected nan App Store; and besides asked friends and colleagues what fund search apps they mightiness beryllium using. Some of nan apps I recovered were free, conscionable for illustration Mint. These, of course, show loads of ads (excuse me, “offers”) to enactment successful business. But astir of nan disposable apps require paid subscriptions, pinch prices typically topping retired astir $100 a year, aliases $15 a month. (Spoiler: My apical prime is cheaper than that.)

Since this guideline is meant to thief Mint users find a imperishable replacement, immoderate services I chose to trial needed to do respective things: import each of your relationship information into 1 place; connection budgeting tools; and way your spending, nett worthy and in installments score. Except wherever noted, each of these apps are disposable for iOS, Android and connected nan web.

Once I had my shortlist of six apps, I sewage to activity mounting them up. For nan liking of thoroughly testing these apps (and remember, I really was looking for a Mint alternative myself), I made a constituent of adding each relationship to each budgeting app, nary matter really mini aliases immaterial nan balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for nan aforesaid banks half a twelve times over. Hopefully, you only person to do this once.

What astir Rocket Money?

Rocket Money is different free financial app that tracks spending and supports things for illustration equilibrium alerts and relationship linking. If you salary for nan premium tier, nan work tin besides thief you cancel unwanted subscriptions. We did not trial it for this guide, but we'll see it successful early updates.