The Best Mint Alternatives in 2026 (After the Shutdown)

The best Mint alternative for most former Mint users is otterfund, because its free plan is a complete budget, which is what Mint offered and Credit Karma does not. Monarch Money suits couples who will pay $99.99 a year, YNAB suits hands-on budgeters, and Empower suits people who mainly tracked investments.

Mint closed in March 2024, and Intuit pointed its users to Credit Karma.

Is Credit Karma a good Mint replacement?

No, not if you budgeted with Mint. Credit Karma is where Intuit sent Mint users, and the old Mint homepage now says Mint has been reimagined on Credit Karma, describing the new home as a place for reviewing transactions, monitoring spending and tracking net worth. Category budgets are not on that list. A former Mint user who only glanced at balances may be fine with Credit Karma. A former Mint user who set a monthly limit for groceries and checked it every Friday lost the feature that mattered most, and needs a different app.

The Mint alternatives, compared

otterfund

otterfund is the closest match to what Mint promised: free, with a real budget on the free plan. The $0 plan includes unlimited manual accounts, CSV or PDF statement import, goals and the full Needs, Wants and Savings budget, so a former Mint user can rebuild a monthly plan without paying. Automatic bank sync through Plaid (US and Canadian banks) and the AI advisor are on paid plans, starting at $120 a year (or $15 billed monthly). The app has no ads, and your data is never sold.

Monarch Money

Monarch Money absorbed a large share of Mint's users, partly because it was co-founded by a former Mint product leader. Its pricing page lists the Core plan at $99.99 a year or $14.99 a month after a 7-day trial, and a payment method is required to start that trial. Monarch has household features for couples and families. Monarch has no free plan, which is the one thing most Mint users took for granted.

YNAB (You Need A Budget)

YNAB asks you to give every dollar a job before you spend it. The YNAB pricing page lists $14.99 a month or $109 a year, a 34-day trial with no card needed, a free year for college students, and up to six people on one subscription. YNAB rewards people who enjoy the routine and frustrates people who just want Mint's passive tracking back.

Copilot Money

Copilot Money is a polished tracker for Apple households in the US. The Copilot pricing page lists $109 billed yearly (a limited-time price, down from $119), with apps for iPhone, iPad, Mac and the web, and no Android app. Copilot's FAQ says it supports US-based financial institutions only, so Canadian former Mint users cannot use it.

Rocket Money and Empower

Rocket Money and Empower both have free plans, but neither free plan budgets like Mint did. Rocket Money's help centre says the free plan covers subscription tracking, spend reviews and bill reminders, while budgeting and subscription cancellation need Premium; Premium+ is $15 a month, and bill negotiation costs 35% to 60% of the first year's savings unless you are on Premium+. Empower calls its dashboard and financial tools completely free, and they include a budgeting and cash-flow view, but the product centres on net worth, portfolio analysis and a retirement planner, and Empower's business includes paid wealth management.

How much does a Mint alternative cost?

A Mint alternative costs between $0 and $180 a year at list price, and since Mint users paid nothing, price is the first filter for most of them.

A three-year view makes the gap concrete. Say you keep whichever app you pick until the end of 2029. Monarch Core at $99.99 a year comes to $299.97, YNAB and Copilot at $109 a year come to $327 each (if Copilot's limited-time price holds), and otterfund Standard at $120 a year comes to $360. otterfund Free and the Empower dashboard stay at $0. So if you already know you want automatic bank sync, Monarch is the cheapest paid option on this list. If you are willing to import a statement once a month instead, otterfund Free gives you a full budget for nothing, and that is the closest thing to the deal Mint used to offer.

Canadian former Mint users should add the exchange rate. Monarch and YNAB both bill in USD, so the yearly cost in Canadian dollars moves with the loonie, and Copilot does not connect Canadian banks at all.

Which Mint alternative is right for you?

The right one depends on what you used Mint for: monthly budgeting points to otterfund Free, a shared couple's view to Monarch Money, and investment tracking to Empower.

• You used Mint to budget each month and want that back for free: otterfund Free, with statement import.
• You budget as a couple and will pay for one shared view: Monarch Money.
• You want a strict system and enjoy assigning every dollar: YNAB.
• You are in the US on Apple devices and want a tracker that categorizes itself: Copilot Money.
• You mainly watched investments and net worth: the free Empower dashboard.
• You only want to find forgotten subscriptions: Rocket Money's free plan.

Who should not switch to a budgeting app at all

A former Mint user who only checked a credit score can stay on Credit Karma.

A former Mint user who wants zero effort should also be honest about the trade. Every Mint alternative here, free or paid, needs a short weekly session of looking at what you spent and moving a few transactions. An app that syncs your bank removes the typing, not the looking. If you will not open the app weekly, a free plan you abandon costs less than a paid plan you abandon.

Switching from Mint-style tracking without losing a month

1. 1Download the last three months of statements from each bank as CSV or PDF.
2. 2Import them into the app you picked, and fix the categories on the largest 20 transactions first.
3. 3Set your monthly targets from those three months of real spending, not from guesses.
4. 4Check in once a week for a month before deciding whether paid bank sync is worth it.

Paying for a Mint alternative only makes sense after that trial month shows you will keep opening it.