The 5 finest Mint options to exchange the budgeting app that shut down

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 tens of millions 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 repeatedly to trace spending, set objectives like pay my mortgage down quicker and with common cash administration.

So I got down to discover the very best Mint 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 among the hottest Mint alternative apps out there immediately searching for my subsequent budgeting app.

Our choose for finest Mint various stays Quicken Simplifi, even months after the Mint shutting down, because of its simple to make use of app, good revenue and invoice detection and its reasonably priced value. However there are many different strong choices on the market for these with completely different wants. In the event you’re additionally on the hunt for a budgeting app to exchange Mint, we hope these particulars may help you resolve which of the best budgeting apps on the market will likely be best for you.

Desk of contents

Greatest Mint 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 person interface, with a touchdown web page that you just simply hold scrolling by to get an in depth overview of all of your stats. These embody your top-line balances; web 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 presents neat, virtually playful visualizations with out ever wanting cluttered. I felt at residence 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 notably impressed at how simply it related to Constancy; not all funds trackers do, for no matter cause. 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 just a few months now: I want Simplifi supplied Zillow integration for simply monitoring your own home worth (or no less than a tough estimate of it). Numerous opponents together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API out there to be used. Because it stands, Simplifi customers should add actual property manually like some other asset.

In observe, Simplifi miscategorized a few of my bills, however nothing out of the atypical in comparison with any of those funds trackers. As you’re reviewing transactions, you too can mark when you’re anticipating a refund, which is a singular function among the many companies I examined. Simplifi additionally estimated my common revenue 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. For 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 function can also be self-explanatory and may probably accommodate your most well-liked budgeting technique. Simply examine that your common revenue is correct and you should definitely arrange recurring funds, making notice of that are payments and that are subscriptions. That is essential as a result of Simplifi exhibits you your complete take-home revenue in addition to an “revenue after payments” determine. That quantity consists of, effectively, payments however not discretionary subscriptions. From there, you may add spending targets by class within the “deliberate spending” bucket. Deliberate spending also can embody one-time expenditures, not simply month-to-month budgets. While you create a funds, Simplifi will recommend a quantity based mostly on a six-month common.

Not dealbreakers, however two issues to bear in mind as you get began: Simplifi is notable in you could’t arrange an account by Apple or Google. There may be additionally no choice 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 | Cell app: iOS, Android

A strong budgeting app that’s a little bit tougher to make use of than our prime choose, however not prohibitively so. (Energy customers won’t thoughts.)

Execs

• Numerous element and alternatives for personalisation
• Useful “objectives” function
• You may 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 funds 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 year or $15 a month at Monarch Money

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 online app for fine-tuning particulars.) Monarch additionally didn’t get my revenue proper; I needed to edit it.

When you’re arrange, although, Monarch presents a formidable stage of granularity. Within the budgets part, you may see a bona fide steadiness sheet displaying budgets and actuals for every class. You will additionally discover a forecast, for the yr or by month. And recurring bills may be set not simply by service provider, however different parameters as effectively. For example, whereas most Amazon purchases is likely to be marked as “buying,” these for the quantities of $54.18 or $34.18 are positively child provides, and may be robotically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no method 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 may create on-demand graphs based mostly on issues like accounts, classes and tags. That function is obtainable simply on the net model of the app for now. As a part of this identical replace, Monarch added assist for an aggregator that makes it doable to robotically replace the worth of your automotive. This, mixed with the present Zillow integration for monitoring your own home worth, makes it simple to rapidly add a non-liquid asset like a car or actual property, and have it present up in your web price graph.

The cellular app is usually self-explanatory. The primary dashboard exhibits your web price; your 4 most up-to-date transactions; a month-over-month spending comparability; revenue month-to-date; upcoming payments; an investments snapshot; an inventory 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 stream; prime revenue and expense classes; money stream tendencies; adjustments to your web price, belongings and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that when you click on on the Accounts tab you may see how your web price modified over completely different durations of time, together with one month, three months, six months, a yr or all time.

On the principle display screen, you’ll additionally discover tabs for financial savings and checking accounts (and all others as effectively), transactions, money stream, funds and recurring. Like most of the different apps featured right here, Monarch can auto-detect recurring bills and revenue, even when it will get the class mistaken. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll customise when you’re so inclined.

Monarch Cash makes use of a mixture 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 house, towards the top of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach by these different two networks, if for some cause Plaid fails. Just like NerdWallet, I discovered myself finishing two-factor authentication each time I wished to get previous the Plaid display screen 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 — probably 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 must 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 the moment, Copilot and YNAB have additionally added related performance that will likely be out there 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 robotically 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 supplied 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 | Cell app: iOS

A superbly designed and fairly priced app with a number of options in growth — together with Android and net apps.

Execs

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

Cons

• No net or Android app but
• Miscategorized extra bills than our prime choose
• Numerous in any other case widespread options are nonetheless in growth

$95 a year or $13 a month at Copilot Money

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 by, I can’t suggest 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, effectively designed app, and Android customers will likely 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 all the pieces out of your budgets to your funding efficiency to your bank card debt over time. Specifically, 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 subtle 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 excellent. Copilot miscategorized some purchases (all of them do), nevertheless it 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 need to arrange fwd@copilot.cash as a forwarding handle after which create a filter, whereby emails from venmo@venmo.com are robotically forwarded to fwd@copilot.cash. Like Monarch Cash, you too can add any property you personal and monitor its worth by 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 networks apart from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Categorical and Constancy which, once more, generally is a bugbear for some funds monitoring apps. In an much more latest replace, Copilot added a Mint import choice, which different budgeting apps have begun to supply as effectively.

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 crew is nearly carried out constructing out an in depth money stream part as effectively. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its good expense categorization. These embody “good monetary objectives,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to provide 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 yr.

Copilot does a pair attention-grabbing issues for brand spanking new prospects that distinguish it from the competitors. There’s a “demo mode” that appears like a sport 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 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.

NerdWallet

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

The perfect free funds monitoring app you will get (and there aren’t many compromises in addition to the ever-present advertisements).

Execs

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

Cons

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

Free at NerdWallet

You could know NerdWallet as a website that provides a mixture of private finance information, explainers and guides. I see it typically 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 is no such thing as a paid model; nothing is locked behind a paywall. The primary catch: There are advertisements in every single place. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card presents, 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 stream, web price and credit score rating. (Of notice, though Mint itself supplied credit score rating monitoring, most of its rivals don’t.) I notably loved the weekly insights, which delve into issues like the place you spent essentially 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 notably 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 fundamental. Like different apps I examined, you may arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your funds 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 you could’t customise your funds to the identical diploma as some competing apps. You may’t at the moment create customized spending classes, although a notice 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 can 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 must 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 wished so as to add an account, I needed to undergo a two-factor authentication course of to even get previous the Plaid splash display screen, and that’s not together with the 2FA I had arrange at every of my banks. It is a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is among the solely funds 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 robotically detecting my common revenue. In my case, it counted a big one-time wire switch as revenue, at which level my solely different choice was to enter my revenue 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

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

Execs

• Notably robust 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 net

$110 a year or $15 a month at YNAB

YNAB is, by its own admission, “completely different from something you’ve tried earlier than.” The app, whose identify is brief for You Want a Price range, promotes a so-called zero-based budgeting system, which forces you to assign a goal for each greenback you earn. A ceaselessly used analogy is to place every greenback in an envelope; you may at all times transfer cash from one envelope to a different in a pinch. These envelopes can embody lease and utilities, together with unexpected bills like vacation items and the inevitable automotive restore. The thought is that when you funds a certain quantity for the unknowns every month, they received’t really feel like they’re sneaking up on you.

Importantly, YNAB is barely involved with the cash you’ve got in your accounts now. The app doesn’t ask you to offer your take-home revenue or arrange recurring revenue funds (though there’s a means to do that). The cash you’ll make later within the month by your salaried job will not be related, as a result of YNAB doesn’t interact in forecasting.

The app is tougher to study than some other right here, and it requires extra ongoing effort from the person. 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 received comfy with the person interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new funds every month and to assessment every transaction will not be essentially a foul factor. As YNAB says on its web site, “Certain, you’ve received 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 inclined 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, 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’ve got main financial savings objectives you wish to obtain, whether or not it’s paying for a marriage or shopping for a home. I recommend you give her column a learn. For me, although, YNAB’s method appears like overkill.

Different Mint options we examined

PocketGuard

PocketGuard was once a strong free funds 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 a good choice. The primary overview display screen exhibits you your web price, complete belongings and money owed; web revenue and complete spending for the month; upcoming payments; a useful reminder of when your subsequent paycheck lands; any debt payoff plan you’ve got; 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 exhibits you what’s left, and that’s what you’re imagined to be budgeting: your disposable revenue.

Though PocketGuard’s UI is simple sufficient to know, 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 often make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates have been out there. 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 screen 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 drag in monetary information, 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 immediately 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 expertise is baked into a big selection of apps, together with the funds 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 should utilize to look yours up instantly. As soon as you discover yours, you’ll be prompted to enter your login credentials. You probably have two-factor authentication arrange, you’ll have to enter a one-time passcode as effectively.

Because the intermediary, Plaid is a passthrough for data which will embody 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. Nevertheless, I might not be doing my job if I didn’t notice that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for amassing “extra monetary information than was wanted.” As a part of the settlement, Plaid was compelled to vary a few of its enterprise practices.

In an announcement supplied 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 guaranteeing that our workstreams round information minimization stay on monitor.”

Easy methods to import your monetary information from the Mint app

Mint customers ought to think about getting their information able to migrate to their new budgeting app of selection quickly. Sadly, importing information from Mint will not be as simple as getting 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 screen.

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 might sound extra annoying, however might provide help to 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 do a little analysis. To discover a record of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn evaluations of common apps on the App Retailer; and in addition requested mates and colleagues what funds monitoring apps they is likely to be utilizing. A few of the apps I discovered have been free, identical to Mint. These, in fact, present a great deal of advertisements (excuse me, “presents”) to remain in enterprise. However many of the out there apps require paid subscriptions, with costs usually topping out round $100 a yr, or $15 a month. (Spoiler: My prime choose 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 entire account information into one place; provide budgeting instruments; and monitor your spending, web price and credit score rating. Besides the place famous, all of those apps can be found for iOS, Android and on the net.

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 keep in mind, I actually was searching for a Mint alternative myself), I made some extent of including each account to each budgeting app, regardless of how small or immaterial the steadiness. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of getting 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 also can provide help to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll think about it in future updates.