Mint Shut Down: 7 Mint Alternatives Compared in 2026

When did Mint shut down — and what happened to users?

Intuit announced the end of Mint in November 2023 and officially shut it down on March 23, 2024. Roughly 25 million users were directed to migrate to Credit Karma, also owned by Intuit. The migration was incomplete: while transaction history transferred for many users, Credit Karma is built around credit-score monitoring and ad-driven offers, not budgeting. It dropped Mint’s category budgets, custom alerts, and historical net-worth tracking. For anyone who actually used Mint to budget — not just to peek at their credit score — Credit Karma was a downgrade.

The result is a market of “Mint refugees” looking for a real replacement. Two years on, seven products dominate that consideration set.

What to look for in a Mint replacement

• Automatic bank sync via Plaid (12,000+ US banks supported, the same security as Venmo and Robinhood).
• Real category budgets with month-by-month history — not just a credit score.
• Net worth and cash-flow tracking across every account.
• Subscription detection — the single most valuable feature in real-user testing, since the average American carries $219/month in subscriptions and can’t name half of them.
• A transparent business model. Mint sold your data through ads; a paid app simply charges $4–15/month instead.
• A free trial so you can see if the workflow fits before you commit.

The 7 best Mint alternatives in 2026

Quick comparison — full details on each below.

• Tally Personal Finance — $7.99/mo · best balance of price, features, and subscription detection. 30-day free trial.
• Monarch Money — $14.99/mo · closest UX to old Mint, strong shared-finances support for couples.
• YNAB (You Need A Budget) — $14.99/mo · best if you commit to envelope budgeting; steep learning curve.
• Empower (formerly Personal Capital) — free · best for investors with $100k+ portfolios; expect calls from their wealth managers.
• Copilot Money — $13/mo · gorgeous design, iOS only, no Android or web.
• Rocket Money — $4–12/mo · strongest cancellation flow but weak everywhere else.
• Quicken Simplifi — $3.99/mo (billed annually) · cheapest option, lighter feature set, Quicken-brand familiarity.

1. Tally Personal Finance — the modern Mint replacement

Tally Personal Finance ($7.99/month, or $79/year) was built specifically post-Mint, with the explicit goal of replacing Mint at a fair price. It connects 12,000+ banks via Plaid, auto-categorizes every transaction, learns your manual category choices so the same merchant inherits them forever, and runs a subscription detector that consistently finds $20–50/month of forgotten charges in a user’s first session.

Beyond budgeting, it tracks net worth (including manual assets like a home or vehicle), exports tax-ready reports, and provides AI insights grounded on your actual numbers — not generic finance advice. There’s a 30-day free trial with no credit card required, AES-256 encryption, and no ads or data selling.

Best for: anyone who used Mint and just wants a modern, honest dashboard at a reasonable price.

2. Monarch Money — closest UX to old Mint

Monarch Money ($14.99/month, or $99/year) is the closest spiritual successor to Mint’s feel, with strong shared-finances support — two partners can share a household budget with separate logins. It absorbed a lot of post-shutdown demand and has an active community.

The downside is the price: nearly twice what Tally costs, with substantially overlapping features. If shared accounts for couples are critical, the premium can be worth it.

3. YNAB — best if you love budgeting methodology

YNAB ($14.99/month, or $109/year) follows the zero-based “give every dollar a job” methodology. It demands more from you than any other app on this list — every dollar is assigned a category before you spend it — and rewards that effort with genuine behavior change.

If you’ve abandoned budgets before because they “didn’t stick,” YNAB’s methodology may be exactly what you need. If you just want a clear picture of your money without homework, it’s overkill.

4. Empower — best for high-net-worth investors

Empower (formerly Personal Capital) is free, but the free tier exists to qualify you for their wealth-management service. If you have $100k+ in invested assets, expect calls from advisors. The investment-tracking and fee-analyzer tools are genuinely excellent.

For day-to-day budgeting, the experience is thinner than the paid alternatives.

5. Copilot Money — best design, iOS only

Copilot Money ($13/month, or $95/year) has the most polished design in the category. The catch: it’s iOS-only. No Android, no web app. If you’re an iPhone household, it’s worth considering — but you’re locked out of using it on a laptop.

6. Rocket Money — incredible cancellations, weak budgeting

Rocket Money ($4–12/month, with a free tier) does one thing brilliantly: it finds and cancels subscriptions for you. If you only care about that single problem, it’s very effective.

For broader budgeting, net worth tracking, or category management, it’s the weakest tool on this list. Best paired with another app, not used solo.

7. Quicken Simplifi — cheapest, lighter feature set

Quicken Simplifi ($3.99/month billed annually = $47.88/year) is the cheapest paid option. It’s a lighter-weight product from Quicken’s consumer team, with solid bank syncing and basic budgeting but fewer features than the others.

Worth considering if price is the deciding factor and you’re comfortable with annual billing only.

Which Mint alternative should you pick?

• I just want Mint, but better → Tally Personal Finance or Monarch Money.
• I want to cancel subscriptions I forgot about → Tally Personal Finance (it’s a core feature) or Rocket Money (it’s the only feature).
• I’m disciplined and want a budgeting methodology → YNAB.
• I’m an investor with significant assets → Empower for the investing tools; pair with another app for budgeting.
• I’m on iPhone and willing to pay for beautiful UX → Copilot Money.
• I need shared accounts for a partner → Monarch Money (strongest in this category) or Tally (coming soon).
• I want the cheapest option that still budgets → Quicken Simplifi or Tally.

The forgotten-subscriptions math

Across every Mint alternative on this list, the single feature users report saving the most money on is automatic subscription detection. Industry surveys consistently put the average American’s recurring subscriptions at $200–250 per month, and roughly 42% of consumers say they’re paying for at least one subscription they’ve forgotten about.

That’s why “the app pays for itself” is the most repeated phrase in personal-finance app reviews. A $7.99/month plan that surfaces a $14.99/month forgotten subscription has done its job in a single click.

Is it safe to connect my bank to a Mint alternative?

Every app on this list connects through Plaid (or a similar provider like MX), which is the same infrastructure used by Venmo, Robinhood, Coinbase, and dozens of major fintech apps. Critically, your bank password never touches the app’s servers — Plaid handles authentication in its own browser context, and only a read-only access token is returned. That token is then encrypted at rest using bank-grade AES-256.

In practice, your bank credentials are no more exposed using Plaid than they are paying a vendor through Venmo. The most security-conscious vendors (Tally Personal Finance included) layer additional protections like 2FA, encryption-key versioning, and short-lived token rotation.