Mint Alternatives
Best Mint Alternatives in 2026
Mint is gone. These are the best replacements for your financial dashboard.
Mint's shutdown in early 2024 left millions of users looking for a new home for their finances. Intuit tried to funnel everyone to Credit Karma, but Credit Karma is a credit product, not a budgeting tool. Most Mint users need something that actually replaces what they had: automatic transaction tracking, categorization, budgets, and a free (or affordable) price point.
The good news is that Mint's death has driven genuine innovation. Several apps have stepped up with better features, more reliable bank connections, and cleaner interfaces than Mint offered in its later years. The bad news is that truly free, comprehensive options are rare — the ad-supported model that Mint pioneered has largely fallen out of favor.
We tested each alternative specifically for how well it replaces Mint's core features: automatic bank sync, transaction categorization, budgeting, bill tracking, and spending reports. Here's the best of what's available.
Monarch Money
Monarch Money is the most direct Mint replacement and the one we'd recommend to most former Mint users. It covers all the same ground — bank sync, categorization, budgets, net worth, investment tracking — but with a far more polished interface and reliable connections.
Pros
- Closest feature match to Mint with better execution
- Reliable bank connections that actually stay connected
- Investment and net worth tracking included
- Household sharing for couples
Cons
- No free tier — $14.99/mo is a jump from Mint's $0
- Some advanced features take time to discover
- Mobile app, while good, isn't as quick as Mint was
Ray Finance
Our pickRay replaces Mint with something fundamentally different: instead of dashboards and charts, you get an AI that understands your finances and answers questions. It connects to your bank via Plaid just like Mint did, but the interaction model is conversational rather than visual.
Pros
- Free to self-host — closest to Mint's $0 price
- AI advisor goes far beyond what Mint offered
- Your data stays local instead of funding ads
- Open source means the community can build on it
Cons
- CLI interface is a big change from Mint's dashboard
- No mobile app for checking finances on the go
- Requires technical comfort for self-hosting
Copilot Money
Copilot is the most visually polished Mint alternative, with an Apple-native design that makes tracking finances feel premium. Smart categorization, spending insights, and investment tracking are all included. The downside is Apple-only availability.
Pros
- Best-looking finance app on the market
- Smart categorization learns your patterns
- Real-time spending notifications
- Investment tracking included
Cons
- Apple-only — Android users need not apply
- $13/mo with no free tier
- No web version for desktop-first users
YNAB
YNAB is a different philosophy from Mint — it's proactive budgeting rather than passive tracking. If you used Mint mainly to see where your money went after the fact, YNAB will push you to plan where it goes ahead of time. It's more work but produces better financial outcomes.
Pros
- Most effective budgeting methodology available
- Excellent mobile and web apps
- Active community and educational resources
- Bank sync plus manual entry for accuracy
Cons
- Steep learning curve if you're used to Mint's passive tracking
- At $14.99/mo, significantly more expensive than Mint was
- Requires consistent engagement to work well
Empower
Empower (formerly Personal Capital) is the best free Mint alternative if investments are your focus. Its retirement planner, fee analyzer, and net worth tracker are all free. Budgeting is its weak spot, but for tracking investments and net worth, nothing free comes close.
Pros
- Free tier with genuine investment analysis tools
- Retirement planner is excellent and free
- Fee analyzer finds hidden investment costs
- Net worth tracking across all account types
Cons
- Budgeting features are minimal compared to Mint
- Aggressive sales calls for wealth management services
- Transaction categorization is basic
Tiller Money
Tiller replaces Mint by sending your bank transactions to Google Sheets or Excel. You get all the raw data Mint had, but displayed in a spreadsheet you fully control. Templates handle common views like monthly budgets and net worth, and you can build anything custom.
Pros
- Maximum flexibility — your data in your spreadsheet
- Automated daily bank feeds
- Community templates for common use cases
- Full data ownership and export
Cons
- Requires spreadsheet skills to get value
- No pre-built dashboard — you build your own views
- Annual cost of $79 with no free tier
What to look for
Replacing Mint depends on what you valued most about it. If you loved the automatic dashboard, Monarch Money is the closest match with better reliability. If Mint's free price was the draw, Ray Finance (self-hosted) and Empower (free tier) are your best bets. If you're ready to upgrade from passive tracking to active budgeting, YNAB will change how you think about money. Apple users should consider Copilot for the best mobile experience. Spreadsheet enthusiasts will love Tiller's flexibility. Don't try to find an exact Mint clone — use this transition as an opportunity to find something that actually fits how you manage money.
Our verdict
Monarch Money is the best overall Mint replacement for most people — it does everything Mint did, but better. Ray Finance is the best free alternative for technical users who value privacy and want AI-powered insights that Mint never offered. Empower is the best free option for investment-focused users. Whichever you choose, you'll likely find the experience is an upgrade from Mint's later years.
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