The perfect Mint options

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 frequently to trace spending, set objectives like pay my mortgage down quicker and with normal cash administration.

So I got down to discover the most effective Mint options within the wake of its disappointing demise. I gave Credit score 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 right this moment seeking my subsequent budgeting app.

Our choose for finest Mint various stays Quicken Simplifi, even lengthy after Mint shutting down, because of its simple to make use of app, good earnings and invoice detection and its inexpensive value. However there are many different strong choices on the market for these with totally different wants. For those who’re additionally on the hunt for a budgeting app to interchange Mint, we hope these particulars can assist you resolve which of the most effective budgeting apps on the market will probably be best for you.

Desk of contents

Greatest Mint options in 2025

Quicken

Month-to-month price: $4 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

An entire, easy-to-use app that prices lower than the competitors — and feels probably the most like Mint.

Professionals

• Simple-to-use app with a delicate studying curve
• Does a superb job detecting recurring earnings and payments
• Inexpensive than the competitors
• Helps you to share app entry with a partner or monetary advisor
• Useful refund tracker

Cons

• No free trial
• You possibly can’t create an account utilizing your Apple or Google ID
• No Zillow integration

$72/12 months at Quicken

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 simply simply preserve scrolling by means of to get an in depth overview of all of your stats. These embody your top-line balances; internet price; latest 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 recognize is the flexibility to arrange financial savings objectives elsewhere within the app. I additionally recognize the way it gives neat, nearly playful visualizations with out ever trying cluttered. I felt at house within the cellular and internet 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 related to Constancy; not all price range trackers do, for no matter motive. 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 a couple of months now: I want Simplifi supplied Zillow integration for simply monitoring your private home worth (or a minimum of a tough estimate of it). Varied rivals 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 another asset.

In observe, Simplifi miscategorized a few of my bills, however nothing out of the peculiar in comparison with any of those price range trackers. As you’re reviewing transactions, you may also mark in the event you’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. As an illustration, I can add my two Amazon subscribe-and-saves as recurring funds, with out having to create a broad-strokes rule for each Amazon buy.

The budgeting function can also be self-explanatory and may doubtless accommodate your most popular budgeting technique. Simply examine that your common earnings is correct and remember to arrange recurring funds, making observe of that are payments and that are subscriptions. That is necessary as a result of Simplifi reveals you your complete take-home earnings in addition to an “earnings after payments” determine. That quantity consists of, nicely, payments however not discretionary subscriptions. From there, you’ll be able to add spending targets by class within the “deliberate spending” bucket. Deliberate spending can even embody one-time expenditures, not simply month-to-month budgets. If you create a price range, Simplifi will counsel a quantity primarily based on a six-month common.

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

Monarch Cash

Month-to-month price: 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 just a little tougher to make use of than our prime choose, however not prohibitively so. (Energy customers won’t thoughts.)

Professionals

• Plenty of element and alternatives for personalisation
• Useful “objectives” function
• You possibly can 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 price range 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 12 months or $15 a month at Monarch Cash

Monarch Cash 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 listing, 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 gives a formidable degree of granularity. Within the budgets part, you’ll be able to see a bona fide steadiness sheet exhibiting budgets and actuals for every class. You will additionally discover a forecast, for the 12 months or by month. And recurring bills could be set not simply by service provider, however different parameters as nicely. As an illustration, whereas most Amazon purchases may be marked as “buying,” these for the quantities of $54.18 or $34.18 are positively child provides, and could be mechanically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no approach to mark sure recurring funds as payments, particularly.

Not lengthy after I first printed this story in December 2023, Monarch launched 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 out there simply on the internet model of the app for now. As a part of this identical replace, Monarch added assist for an aggregator that makes it attainable to mechanically replace the worth of your automotive. This, mixed with the prevailing Zillow integration for monitoring your private home worth, makes it simple to rapidly add a non-liquid asset like a automobile or actual property, and have it present up in your internet price graph.

The cellular app is generally self-explanatory. The 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 objectives you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money move; prime earnings and expense classes; money move developments; adjustments to your internet price, belongings and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the web price graph, in order that in the event you click on on the Accounts tab you’ll be able to see how your internet price modified over totally different durations 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 nicely), transactions, money move, price range and recurring. Like most of the different apps featured right here, Monarch can auto-detect recurring bills and earnings, even when it will get the class unsuitable. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise in the event you’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 customary on this area, towards the top of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach by means of these different two networks, if for some motive Plaid fails. Just 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 permits you to 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 should 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; presently, Copilot and YNAB have additionally added related performance that will probably be accessible to anybody with the most recent variations of their respective apps on a tool operating iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to mechanically 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 objectives system are coming quickly. Monarch hasn’t offered a timeline for that final one, besides to say that the improved objectives function is coming quickly.

Copilot Cash

Month-to-month price: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS

A superbly designed and fairly priced app with plenty of options in improvement — together with Android and internet apps.

Professionals

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

Cons

• No internet or Android app but
• Miscategorized extra bills than our prime choose
• Plenty of in any other case frequent options are nonetheless in improvement

$95 a 12 months or $13 a month at Copilot Cash

Copilot Cash may be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — a minimum of for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and internet apps are coming quickly. However till it follows by means of, I can’t advocate Copilot for most individuals with so many good rivals 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, nicely designed app, and Android customers will probably be in for a deal with once 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 all the pieces 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. (You too can add your personal classes, full along with your selection of emoji.) It’s not good. 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 function could be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

Copilot can also be distinctive in providing Amazon and Venmo integrations, permitting you to see transaction particulars. With Amazon, this requires simply signing into your Amazon account through an in-app browser. For Venmo, you must arrange fwd@copilot.cash as a forwarding handle after which create a filter, whereby emails from venmo@venmo.com are mechanically forwarded to fwd@copilot.cash. Like Monarch Cash, you may also 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 recognize that Copilot marks new transactions for assessment. 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 hook up with banks by means of networks apart from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Specific and Constancy which, once more, is usually a bugbear for some price range monitoring apps. In an much more latest replace, Copilot added a Mint import possibility, which different budgeting apps have begun to supply as nicely.

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 group is nearly achieved constructing out an in depth money move part as nicely. On its web site, 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 embody “sensible monetary objectives,” 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 prospects that distinguish it from the competitors. There’s a “demo mode” that seems like a recreation simulator; no want so as to add your personal accounts. The corporate can also be providing two free months with RIPMINT — a extra beneficiant introductory supply than most. When it lastly does come time to pony up, the $7.92 month-to-month plan is cheaper than some competing apps, though the $95-a-year-option is in the identical ballpark.

NerdWallet

Month-to-month price: $0 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

The perfect free price range monitoring app you may get (and there aren’t many compromises in addition to the ever-present adverts).

Professionals

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

Cons

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

Free at NerdWallet

You might know NerdWallet as a website that gives 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 positive sufficient, it’s one of many websites I’m more than likely to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. Actually, there isn’t any paid model; nothing is locked behind a paywall. The principle catch: There are adverts in every single place. To be truthful, the free model of Mint was like this, too.

Even with the inescapable bank card gives, 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 move, internet price and credit score rating. (Of observe, though Mint itself supplied 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 probably the most cash or how a lot you paid in charges — and the way that compares to the earlier month. As a result of that is NerdWallet, an encyclopedia of monetary data, you get some significantly particular class choices when establishing your accounts (assume: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit primary. Like different apps I examined, you’ll be able to arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your price range towards stuff you want, 30% towards stuff you need, and the remaining 20% into financial savings or debt repayments. If this works for you, nice — simply know that you may’t customise your price range to the identical diploma as some competing apps. You possibly can’t presently create customized spending classes, although a observe contained in the dashboard part of the app says “you’ll be capable to 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’ll transfer particular transactions to actively handle what falls into every group.” A NerdWallet spokesperson declined to offer an ETA, although.

Lastly, it’s price noting that NerdWallet had probably the most onerous setup processes of any app I examined. I don’t assume it is a dealbreaker, as you’ll solely should 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. This can be a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is among the solely price range 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 mechanically detecting my common earnings. In my case, it counted a big one-time wire switch as earnings, at which level my solely different possibility was to enter my earnings manually (which is barely annoying as a result of I’d have wanted my pay stub useful to double-check my take-home pay).

YNAB

Month-to-month price: 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 method to budgeting. Not for individuals who need a set-and-forget expertise.

Professionals

• Significantly sturdy emphasis on budgeting
• Distinctive “zero-dollar” method 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 internet

$110 a 12 months or $15 a month at YNAB

YNAB is, by its personal admission, “totally different from something you’ve tried earlier than.” The app, whose title is brief for You Want a Funds, 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 embody lease and utilities, together with unexpected bills like vacation presents and the inevitable automotive restore. The concept is that in the event you price range 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 might 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 by means of your salaried job is just not related, as a result of YNAB doesn’t have interaction in forecasting.

The app is tougher to be taught than another right here, and it requires extra ongoing effort from the person. And YNAB is aware of that. Inside each the cellular and internet 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 price range every month and to assessment every transaction is just not essentially a nasty factor. As YNAB says on its web site, “Certain, you’ve obtained pie charts exhibiting that you simply 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 method being helpful for individuals who don’t are likely to have quite a lot of money in reserve at a given time, or who’ve spending habits they need to right (to riff off of YNAB’s personal instance, ordering Seamless 4 instances 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 might have main financial savings objectives you need to obtain, whether or not it’s paying for a marriage or shopping for a home. I counsel you give her column a learn. For me, although, YNAB’s method seems like overkill.

Different Mint options we examined

PocketGuard

PocketGuard was a strong free price range 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. After I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless an honest possibility. The principle overview display reveals you your internet price, complete belongings and money owed; internet earnings and complete spending for the month; upcoming payments; a useful reminder of when your subsequent paycheck lands; any debt payoff plan you might have; and any objectives. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter your entire recurring payments, after which PocketGuard reveals you what’s left, and that’s what you’re purported to be budgeting: your disposable earnings.

Though PocketGuard’s UI is simple sufficient to know, it lacks polish. The “accounts” tab is just a little busy, and doesn’t present totals for classes like money or investments. Seemingly small particulars like weirdly phrased or punctuated copy sometimes make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates had been 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, referred to as Plaid, to tug in monetary knowledge, so it’s price explaining in its personal part what it’s and the way it works. Plaid was based as a fintech startup in 2013 and is right this moment the business customary in connecting banks with third-party apps. Plaid works with over 12,000 monetary establishments throughout the US, Canada and Europe. Moreover, greater than 8,000 third-party apps and companies depend on Plaid, the corporate claims.

To be clear, you don’t want a devoted Plaid app to make use of it; the expertise is baked into a wide selection of apps, together with the price range 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 discipline you should utilize to look yours up straight. As soon as you discover yours, you’ll be prompted to enter your login credentials. If in case you have two-factor authentication arrange, you’ll must enter a one-time passcode as nicely.

Because the intermediary, Plaid is a passthrough for info that will embody your account balances, transaction historical past, account sort 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. Nonetheless, I’d not be doing my job if I didn’t observe that in 2022 Plaid was compelled to pay $58 million to customers in a category motion go well with for accumulating “extra monetary knowledge than was wanted.” As a part of the settlement, Plaid was compelled to alter a few of its enterprise practices.

In an announcement offered to Engadget, a Plaid spokesperson stated the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are targeted on us accelerating workstreams already underway associated to giving individuals extra transparency into Plaid’s function in connecting their accounts, and making certain that our workstreams round knowledge minimization stay on observe.”

How you can import your monetary knowledge from the Mint app

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

Notice: Downloading on a per-account foundation may appear extra annoying, however may enable you get arrange on the opposite aspect, if the app you’re utilizing has you importing transactions one-for-one into their corresponding accounts.

How we examined Mint options

Earlier than I dove into the world of budgeting apps, I had to perform a little research. To discover a listing of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn critiques of in style apps on the App Retailer; and in addition requested pals and colleagues what price range monitoring apps they may be utilizing. Among the apps I discovered had been free, identical to Mint. These, in fact, present a great deal of adverts (excuse me, “gives”) to remain in enterprise. However many 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 internet.

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 on the lookout for a Mint various myself), I made a degree of including each account to each budgeting app, irrespective 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 Cash is one other free monetary app that tracks spending and helps issues like steadiness alerts and account linking. For those who pay for the premium tier, the service can even enable you cancel undesirable subscriptions. We didn’t take a look at it for this information, however we’ll contemplate it in future updates.