As a long-time Mint consumer, 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 thousands and 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 targets like pay my mortgage down quicker and with normal cash administration.

So I got down to discover one of the best Mint alternate options within the wake of its disappointing demise. I gave Credit Karma, Intuit’s different monetary app, a strive however discovered it to be a poor Mint substitute. The next information lays out my expertise testing a number of the hottest Mint alternative apps accessible right now searching for my subsequent budgeting app.

Our decide for greatest Mint various stays Quicken Simplifi, even months after the Mint shutting down, because of its simple to make use of app, good earnings and invoice detection and its reasonably priced value. However there are many different strong 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 may help you resolve which of the best budgeting apps on the market can be best for you.

Desk of contents

Finest Mint alternate options in 2025

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 consumer interface, with a touchdown web page that you just simply hold scrolling via to get an in depth overview of all of your stats. These embrace your top-line balances; internet value; latest spending; upcoming recurring funds; a snapshot of your spending plan; high 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 affords neat, virtually playful visualizations with out ever trying cluttered. I felt at dwelling within the cellular and net dashboards after a day or so, which is quicker than I tailored to some competing companies (I’m 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 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 number of months now: I want Simplifi provided Zillow integration for simply monitoring your house worth (or no less than a tough estimate of it). Varied opponents 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 some other asset.

In follow, Simplifi miscategorized a few of my bills, however nothing out of the abnormal in comparison with any of those price range trackers. As you’re reviewing transactions, you can too mark in case you’re anticipating a refund, which is a novel characteristic 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 having the ability to categorize some, however not all, purchases from a service provider as recurring. As an 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 be self-explanatory and might seemingly accommodate your most popular budgeting methodology. Simply verify that your common earnings is correct and make sure to arrange recurring funds, making word of that are payments and that are subscriptions. That is vital 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 may embrace one-time expenditures, not simply month-to-month budgets. If you create a price range, Simplifi will counsel a quantity based mostly on a six-month common.

Not dealbreakers, however two issues to remember as you get began: Simplifi is notable in you can’t arrange an account via Apple or Google. There’s additionally no choice for a free trial, although Quicken guarantees a “30-day a refund 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 harder to make use of than others on this record, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing 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 net app for fine-tuning particulars.) Monarch additionally didn’t get my earnings proper; I needed to edit it.

When you’re arrange, although, Monarch affords a formidable degree of granularity. Within the budgets part, you’ll be able to see a bona fide steadiness sheet displaying budgets and actuals for every class. You may additionally discover a forecast, for the yr or by month. And recurring bills will be set not simply by service provider, however different parameters as nicely. As an example, whereas most Amazon purchases is likely to be marked as “buying,” these for the quantities of $54.18 or $34.18 are undoubtedly child provides, and will be routinely marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no strategy to mark sure recurring funds as payments, particularly.

Not lengthy after I first revealed 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 out there 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 routinely replace the worth of your automobile. This, mixed with the present Zillow integration for monitoring your house worth, makes it simple to rapidly add a non-liquid asset like a car or actual property, and have it present up in your internet value graph.

The cellular app is generally self-explanatory. The principle dashboard reveals your internet value; your 4 most up-to-date transactions; a month-over-month spending comparability; earnings month-to-date; upcoming payments; an investments snapshot; an inventory 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 circulate; high earnings and expense classes; money circulate traits; adjustments to your internet value, belongings and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that in case you click on on the Accounts tab you’ll be able to see how your internet value modified over totally different durations of time, together with one month, three months, six months, a yr 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 circulate, price range and recurring. Like lots of the different apps featured right here, Monarch can auto-detect recurring bills and earnings, even when it will get the class improper. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll customise in case 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 trade 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 via these different two networks, if for some motive 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 — seemingly 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 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; at present, Copilot and YNAB have additionally added comparable performance that can be accessible to anybody with the most recent variations of their respective apps on a tool working iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to routinely 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 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 likely to be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — no less than for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and net apps are coming quickly. However till it follows via, I can’t advocate 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 keep watch over. It’s only a quick, environment friendly, nicely designed app, and Android customers can be in for a deal with after they’ll lastly be capable of obtain it. It makes good use of colours, emoji and graphs that can assist 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 virtually some other 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 selection of emoji.) It’s not good. Copilot miscategorized some purchases (all of them do), nevertheless it makes it simpler to edit than most. On high of that, the interior search characteristic may be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

Copilot can be distinctive in providing Amazon and Venmo integrations, permitting you to see transaction particulars. With Amazon, this requires simply signing into your Amazon account by way of an in-app browser. For Venmo, it’s a must to arrange fwd@copilot.cash as a forwarding handle after which create a filter, whereby emails from venmo@venmo.com are routinely forwarded to fwd@copilot.cash. Like Monarch Cash, you can too add any property you personal and observe its worth via 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 costs, 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 via 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, generally is a bugbear for some price range monitoring apps. In an much more latest replace, Copilot added a Mint import choice, 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 informed me that his workforce is sort of completed constructing out an in depth money circulate part as nicely. 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 offer folks 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 yr.

Copilot does a pair attention-grabbing issues for brand spanking new clients that distinguish it from the competitors. There’s a “demo mode” that seems like a recreation simulator; no want so as to add your individual accounts. The corporate can 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.

Chances are you’ll know NerdWallet as a website that gives a mixture of private finance information, explainers and guides. I see it usually once I google a monetary time period I don’t know and positive sufficient, it’s one of many websites I’m most certainly 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 isn’t a paid model; nothing is locked behind a paywall. The principle catch: There are advertisements in all places. To be truthful, the free model of Mint was like this, too.

Even with the inescapable bank card affords, NerdWallet has a clear, easy-to-understand consumer interface, which incorporates each an online and a cellular app. The important thing metrics that it highlights most prominently are your money circulate, internet value and credit score rating. (Of word, though Mint itself provided 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 (suppose: 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 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 can’t customise your price range to the identical diploma as some competing apps. You possibly can’t at present create customized spending classes, although a word 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 desires 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 supply an ETA, although.

Lastly, it’s value noting that NerdWallet had some of the onerous setup processes of any app I examined. I don’t suppose this can be 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 without doubt one of 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, 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 routinely detecting my common earnings. In my case, it counted a big one-time wire switch as earnings, at which level my solely different choice was to enter my earnings manually (which is barely annoying as a result of I might have wanted my pay stub useful 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 identify is brief for You Want a Funds, promotes a so-called zero-based budgeting system, which forces you to assign a goal 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 in case you price range a certain quantity 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 may have in your accounts now. The app doesn’t ask you to supply 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 via your salaried job is just not related, as a result of YNAB doesn’t interact in forecasting.

The app is more durable to study than some other 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 price range 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 method being helpful for individuals who don’t are likely to have loads of money in reserve at a given time, or who’ve spending habits they wish to appropriate (to riff off of YNAB’s personal instance, ordering Seamless 4 occasions every week).

My colleague Valentina Palladino, realizing 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 may have main financial savings targets you wish 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 alternate options we examined

PocketGuard

PocketGuard was once 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. Once I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless an honest choice. The principle overview display reveals you your internet value, 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 may have; and any targets. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter your whole recurring payments, after which PocketGuard reveals you what’s left, and that’s what you’re imagined to be budgeting: your disposable earnings.

Though PocketGuard’s UI is simple sufficient to grasp, it lacks polish. The “accounts” tab is a little bit 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 have been accessible. The net 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. Finally, 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 information, so it’s value 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 now the trade 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 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 price range trackers I examined for this information. As soon as you discover the “add an account” choice in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search discipline you need to use to look yours up instantly. As soon as you discover yours, you’ll be prompted to enter your login credentials. When you have two-factor authentication arrange, you’ll have to enter a one-time passcode as nicely.

Because the intermediary, Plaid is a passthrough for info that 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 word 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 vary a few of its enterprise practices.

In a press release 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 folks extra transparency into Plaid’s function in connecting their accounts, and making certain that our workstreams round information minimization stay on observe.”

The best way 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 selection 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.

Word: Downloading on a per-account foundation might sound extra annoying, however might 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 alternate options

Earlier than I dove into the world of budgeting apps, I had to perform a little research. To discover a record of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn opinions of well-liked apps on the App Retailer; and in addition requested mates and colleagues what price range monitoring apps they is likely to be utilizing. A few of the apps I discovered have been free, similar to Mint. These, after all, present a great deal of advertisements (excuse me, “affords”) to remain in enterprise. However many of the accessible apps require paid subscriptions, with costs sometimes topping out round $100 a yr, or $15 a month. (Spoiler: My high decide is cheaper than that.)

Since this information is supposed to assist Mint customers discover a everlasting alternative, any companies I selected to check wanted to do a number of issues: import your whole account information into one place; provide budgeting instruments; and observe your spending, internet value 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 completely testing these apps (and keep in mind, I actually was on the lookout for a Mint alternative myself), I made some extent 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 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 steadiness alerts and account linking. In the event you pay for the premium tier, the service may enable you cancel undesirable subscriptions. We didn’t take a look at it for this information, however we’ll contemplate it in future updates.