Best Mint Alternatives in 2026 (After the Shutdown)

Mint officially shut down on January 1, 2024. Intuit — the company that acquired Mint back in 2009 — redirected its user base toward Credit Karma and let the product die.

For people who relied on Mint for years, the shutdown created a genuine gap. Not because Mint was perfect — it wasn't — but because it was free, familiar, and reasonably useful for getting a general financial picture.

If you're still looking for a Mint alternative in 2026, the answer depends on what you actually used Mint for. There is no single direct replacement, because Mint was trying to do several different things at once.

What Mint Was Actually Good At

Before picking a Mint replacement, it helps to be honest about what Mint did and didn't do well.

What it did well:

• Automatically pulled in transactions from connected accounts
• Categorized spending (imperfectly, but automatically)
• Showed your net worth across accounts in one place
• Offered free credit score monitoring
• Gave a general "am I overspending?" overview

What it didn't do particularly well:

• Deep budgeting — the budget features were shallow and most people didn't actively use them
• Actionable guidance — Mint showed you data, but rarely told you what to do about it
• Investment tracking — functional but limited
• Security — requiring bank credentials via a third-party aggregator made many users uncomfortable

Most Mint users fell into one of two camps: people who actively checked it regularly for spending awareness, and people who opened it a few times, found it mildly interesting, and forgot about it.

The Best Mint Alternatives in 2026

Monarch Money — Best overall Mint replacement

Monarch Money is the closest thing to a modern, polished Mint. It connects to your bank accounts, auto-categorizes transactions, tracks net worth, and offers collaborative budgeting (useful for couples). It has proper goal tracking and a much cleaner interface than Mint ever had.

Cost: ~$14.99/month or $99.99/year
Best for: People who actively want to track transactions and budgets in one place

The main downside compared to Mint: it's not free. But you get substantially more functionality in return.

YNAB (You Need A Budget) — Best for serious budgeting

If you used Mint's budget features regularly and want something more powerful, YNAB is worth considering. It uses a zero-based budgeting approach — you assign every dollar a purpose before spending it — which is more demanding than Mint's approach but more effective for people who want real control over their spending.

Cost: ~$14.99/month or $109/year
Best for: People who want to actively manage their spending and are willing to put in the work

YNAB has a genuine learning curve. If you want something you can set up in an hour and mostly ignore, it's probably not the right fit.

Empower (formerly Personal Capital) — Best for investment and net worth tracking

If the main thing you used Mint for was seeing your accounts and investments in one dashboard, Empower is worth looking at. Its free tier offers robust net worth and investment tracking. The wealth management side is separate and paid, but the tracking tools are free.

Cost: Free for tracking; paid for wealth management advisory
Best for: People whose primary interest is investment and net worth visibility

Copilot — Best for iPhone users who want a premium experience

Copilot is an iOS-only app with a strong design and smart transaction categorization. It's not free, but it's well-regarded among users who want a clean, modern interface that requires minimal manual input.

Cost: ~$13/month or $95/year
Best for: iPhone users who want a visually polished experience

Tiller — Best for spreadsheet users

If you're comfortable in a spreadsheet and want your financial data pulled automatically into Google Sheets or Excel, Tiller does exactly that. It connects to your accounts and populates a spreadsheet template you can customize as deeply as you want.

Cost: ~$79/year
Best for: People who want full control and are comfortable working in spreadsheets

Mint Alternatives Compared at a Glance

Feature	Monarch Money	YNAB	Empower	Copilot	Financial Fitness Passport
Bank linking required	Yes	Yes	Yes	Yes	No
Transaction tracking	Yes	Yes	No	Yes	No
Budgeting tools	Yes	Deep	Limited	Yes	No
Investment tracking	Yes	No	Yes	No	No
Financial health scoring	No	No	No	No	Yes
AI coaching	No	No	No	No	Yes (Penny)
Price range	$99/yr	$109/yr	Free	$95/yr	Free to start

A Different Kind of Mint Alternative

Most Mint replacements work the same way Mint did: connect your bank, track transactions, categorize spending. That model has real value — but it also has real limitations.

Transaction tracking tells you where your money went. It doesn't tell you whether your overall financial position is healthy, what you should be prioritizing, or how you compare to people in similar circumstances.

If what frustrated you about Mint wasn't the transaction list itself, but the lack of actionable guidance — the feeling that you were looking at data without knowing what to do about it — then switching to another transaction tracker may not solve the underlying problem.

This is where a structured approach to financial health makes a meaningful difference. Our financial guidance system is built around evaluating seven interconnected areas of your financial life — not just cash flow, but also debt, emergency fund, insurance, estate planning, tax, and investing. The financial guidance app puts this framework into practice with a scored assessment and AI-guided next steps.

You can also explore all our financial wellness articles in the Insights hub to go deeper on any area.

Who Financial Fitness Passport Is Best For

Financial Fitness Passport is not a transaction tracker. It won't replace Mint for people who want to see every purchase categorized automatically. But it may be a better fit than another Mint alternative if you:

• Want clarity, not just data — you want to know whether your financial life is on track, not just where your money went
• Prefer not to link bank accounts — no account connection is required; you enter your information and get a scored assessment
• Want to cover the full financial picture — cash flow is one of seven areas evaluated, alongside debt, emergency fund, insurance, estate planning, tax, and investing
• Want structured guidance — instead of a dashboard, you get a Financial Fitness Score (Bronze, Silver, or Platinum) and AI coaching from Penny on what to prioritize next

Get your Financial Fitness Score and see where you actually stand. Launch Financial Fitness Passport →

Free to start. No bank linking required.

Frequently Asked Questions About Mint Alternatives

What replaced Mint after it shut down?

There is no single direct replacement. Monarch Money is the closest app to Mint's full feature set. For investment and net worth visibility, Empower is free and robust. For financial health scoring without bank linking, Financial Fitness Passport takes a different approach that Mint never offered.

Is Credit Karma the same as Mint?

No. Intuit redirected Mint users to Credit Karma when it shut down Mint in early 2024, but Credit Karma is primarily a credit score monitoring service. It does not offer the budgeting, transaction tracking, or net worth features that Mint did.

Which Mint alternative is closest to the original?

Monarch Money is widely considered the closest modern Mint replacement. It connects to your accounts, auto-categorizes transactions, tracks net worth, and has proper budgeting tools in a polished interface.

Is there a Mint alternative without bank linking?

Yes. Financial Fitness Passport evaluates your financial health across seven areas without requiring any bank account access. You enter your information manually and receive a scored assessment with structured guidance.

Why did Mint shut down?

Intuit, which acquired Mint in 2009, decided to consolidate its consumer finance products under Credit Karma. The shutdown was announced in November 2023 and took effect January 1, 2024.