7 Best Mint Alternatives in 2026 (After Mint Shut Down)

Intuit shut Mint down in 2024 and moved users to Credit Karma — which dropped budgeting features entirely. Seven alternatives actually worth your time.

What Mint users actually lost

The killer feature was passive: connect accounts and transactions auto-categorized across years of history. Most replacements kept the connections but charge for what Mint gave free — Monarch (subscription), YNAB (subscription or annual plan), Copilot (subscription). The free tier is where the market split.

The paid picks

Monarch is the closest one-to-one replacement — connections, rules-based categorization, goals, and constant shipping since the shutdown. YNAB is the strictest and most transformative: zero-based budgeting where every dollar gets a job, with a real learning curve and a devoted following. Copilot is the polish pick for Apple-first households.

The free picks

Credit Karma handles net-worth tracking but budgets are thin. Our take: pair a free spreadsheet with the tracker on our homepage — it covers the categorization Mint users actually miss, costs nothing, and data never leaves the browser.

How to choose in ten minutes

Zero effort: Monarch. Habit change: YNAB. Free and private: our tracker plus a spreadsheet. Do not pay annually anywhere on month one — every option here has a monthly plan or trial for exactly that reason.

Frequently asked questions

Is Mint really gone?

Yes — Intuit closed it on March 23, 2024, folding users into Credit Karma, which lacks the budgeting features.

Are bank connections safe?

All use read-only aggregators like Plaid; risk is low but real — the spreadsheet route avoids it entirely.