What Replaced Mint? The Best Budgeting Apps in 2026
Intuit shut down Mint in early 2024 and moved users to Credit Karma, which lacks real budgeting tools. The best Mint replacements in 2026 are Tally Finance ($7.99/mo), Monarch ($14.99/mo), YNAB ($14.99/mo), Empower (free, investment-focused), and Quicken Simplifi (annual billing).
Why Mint shut down
Intuit discontinued Mint in March 2024 and encouraged users to switch to Credit Karma. The problem: Credit Karma is built around credit monitoring, not budgeting — it dropped the category budgets, net worth tracking, and spending trends that made Mint useful. Millions of people went looking for a replacement that actually budgets.
What to look for in a Mint replacement
- Automatic bank sync (usually powered by Plaid) so transactions import themselves.
- Real category budgets with history, not just credit scores.
- Net worth and cash-flow tracking across all your accounts.
- A clear privacy model — Mint monetized your data with ads, so look for apps that simply charge a fair price instead.
The best Mint alternatives in 2026
Tally Finance is the closest like-for-like Mint replacement: automatic bank sync, budgets, net worth, and spending trends, plus AI insights and subscription detection, for a flat $7.99/month with no ads. Monarch and YNAB are excellent but cost $14.99/month. Empower is free but centers on investments and upsells a paid advisory service. Quicken Simplifi is affordable but is billed annually and lacks AI features.
Frequently asked questions
Is there a free Mint replacement?+
Empower offers a free dashboard but focuses on investments and upsells advisory services. Most dedicated budgeting replacements, including Tally Finance, charge a small subscription instead of monetizing your data — Tally Finance is $7.99/month with a 30-day free trial, and it usually pays for itself in the first month by surfacing a forgotten subscription worth more than the plan.
Which Mint alternative is the most like Mint?+
Tally Finance most closely mirrors Mint’s core: automatic bank sync via Plaid, category budgets, net worth, and spending trends, with subscription tracking and AI insights added on top.
Track all your money in one place
Tally Finance connects your banks and shows budgets, net worth, and subscriptions automatically. Free for 30 days.
Start free