Best Mint Alternatives in 2026 (Honest Ranking)

Disclosure first: I build BudgetLabs, one of the apps in this ranking. I'll flag that section clearly, and I'll tell you plainly that if what you miss about Mint is free automatic tracking, my app is the wrong answer and I'll point you at better ones.

Mint shut down in early 2024, and two years later the search traffic still hasn't settled — because nothing has actually replaced it. Mint was free, synced every account automatically, categorized everything without asking, and showed your credit score. No app does all four of those today. The free ones dropped features, the good ones charge money, and the ones that charge money mostly don't do credit scores at all.

So the useful question isn't "what's the best Mint alternative." It's which part of Mint you actually miss.

Bottom line up front

If you miss free automatic tracking: NerdWallet or Empower. Both are genuinely free. Both monetize you in ways Mint also did — ads and product referrals in one case, wealth-management pitches in the other.

If you miss the interface and want the closest feel: Quicken Simplifi, around $48/yr. Most reviewers land here, and it is the nearest thing to a paid Mint.

If you miss the whole financial picture for a household: Monarch, $99.99/yr. Better than Mint ever was at this, and priced accordingly.

If Mint never actually changed your spending: that's worth sitting with. Mint was a mirror. If two years of looking at your own charts didn't move anything, a nicer mirror won't either — see the last section.

The field, side by side

	Price	Free tier	Bank sync	Credit score	Method
NerdWallet	Free (ads)	Yes	Yes	Yes	Tracking
Empower	Free dashboard	Yes	Yes	No	Tracking + investing
Quicken Simplifi	~$47.88/yr ($3.99/mo billed annually)	No	Yes	No	Spending Plan
Rocket Money	Free tier + Premium	Yes	Yes	Yes	Tracking + subscription cancelling
Monarch Money	$99.99/yr Core, $199 Plus	No (7-day trial)	Yes	No	Tracking + flexible targets
Copilot Money	$95/yr, $155 Family	No (30-day trial)	Yes	No	Tracking, Apple-only
YNAB	$109/yr	No (34-day trial)	Yes	No	Zero-based, enforced
BudgetLabs	$19.99/yr	Yes, full core loop	No, by design	No	Zero-based
Goodbudget	Free tier + paid plan	Yes	No	No	Envelopes

Prices checked August 2026 against each company's own pages.

The rankings

1. NerdWallet — the best genuinely free replacement

If your requirement is "free, syncs my accounts, shows my credit score," this is the closest thing to old Mint that exists, and it isn't especially close between this and anything else free.

The catch: ads, and the business model is lead generation. Mint did this too — it recommended credit cards it got paid for — so if that never bothered you, it won't bother you here. If it did, understand you're choosing the same trade again.

2. Quicken Simplifi — the closest paid Mint

Around $47.88/yr ($3.99/mo billed annually, $6.99 month to month), connecting more than 14,000 financial institutions. It generates a Spending Plan from your income minus bills and shows what's genuinely left to spend. Most "best Mint alternative" roundups land here, and the reasoning is sound: it's the one that feels most like Mint while being actively developed.

The catch: no free tier, no credit score, and sharing is limited to one additional person. If you're replacing Mint for a household of four, look at Monarch. More detail in Monarch vs Simplifi and YNAB vs Quicken Simplifi.

3. Empower — free, and better than Mint at investments

The Personal Dashboard is free: net worth, cash flow, portfolio analysis, retirement planning. For anyone whose accounts skew toward brokerage and retirement rather than checking, this is a genuine upgrade on what Mint offered.

The catch: Empower is a wealth-management firm and the free dashboard is the front door. If your balances are large enough, expect to hear from an advisor. That's a fair trade for a free tool — just go in knowing it's the trade you're making. Budgeting is also the weakest part of the product.

4. Monarch Money — the best whole-picture app, at a real price

$99.99/yr for Core, $199 for Plus. The best web experience in personal finance, genuine investment tracking, and — the deciding feature for most households — sharing for up to five members with role-based permissions included in the base tier.

The catch: it's $100 a year to replace something that was free, and its budgeting is optional by design. It shows you what happened and lets you set targets; it won't hold you to them. See BudgetLabs vs Monarch for the honest version of that trade.

5. Rocket Money — if what you really want is fewer subscriptions

A free tier that links accounts, spots recurring charges, and tracks spending, plus a Premium tier that adds human help cancelling things, net worth, and unlimited budgets.

The catch: check the current Premium price in-app before you commit. And the core value here is subscription cancellation, not budgeting. If you're paying for four streaming services you forgot about, this app pays for itself; if you aren't, it doesn't do much Mint didn't.

6. Copilot Money — the nicest software, if you're all Apple

$95/yr, iPhone/iPad/Mac only, and the best automatic transaction categorization in the category.

The catch: no Android, no Windows web access. If anyone in your household is on Android, this is decided for you. Sharing also costs $155/yr. Monarch vs Copilot Money has the head-to-head.

7. YNAB — if Mint's real failure was that nothing changed

$109/yr, and worth naming honestly: YNAB is the most effective behavior-change system in this category. It's also the most expensive and the most demanding, and it's a genuinely bad Mint replacement if you wanted passive tracking, because passive tracking is the thing it refuses to do.

Enrolled college students get a free 365-day plan, which is the best value in the category. Full breakdown in YNAB Pricing 2026.

8. Goodbudget — if envelopes make more sense to you

A usable free tier, envelope method, no bank connection required. Some people find envelopes far more intuitive than category budgets. Worth ten minutes before assuming you need sync.

The labeled bias section — and where BudgetLabs is the wrong answer

Here's my product, fenced off so you can skip it, and I'm going to lead with the part that argues against me.

If what you miss about Mint is free automatic tracking, do not pick BudgetLabs. There's no bank sync — deliberately — and no credit score. Go use NerdWallet or Empower. I'd rather you find the right tool than sign up and churn in a month.

BudgetLabs is for the other Mint refugee: the one who used Mint for years, watched the charts, and didn't change anything. It's $19.99/yr with a free tier that covers the entire core loop — zero-based budgeting where every dollar gets assigned before you spend it, surplus and deficit nudges, and snowball and avalanche debt payoff with live forecasting. Pro adds Family Sharing for up to 5 people at no per-seat charge.

Instead of bank sync, Smart Import parses a pasted statement, a PDF, a screenshot, or a forwarded email, flags likely duplicates, and you approve what lands. That approval step is the entire point — it's the moment you actually look at what you spent, which is precisely what automatic categorization removes.

The actual BudgetLabs dashboard — every dollar assigned, plan gap $0. See the full product tour →

The honest summary: Mint told you what happened. BudgetLabs makes you decide what happens. If you wanted the first thing, several apps above do it better and some do it free.

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Used Mint for years and nothing changed? BudgetLabs runs full zero-based budgeting — snowball and avalanche debt payoff, Family Sharing for up to five, and AI Smart Import — at $1.99/mo, with a free tier that covers the entire core loop. No credit card, no trial countdown.

→ Start a free budget in 2 minutes

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How to actually choose

Answer one question: what did you open Mint to do?

• Check a balance or a credit score → NerdWallet, free.
• See everything in one place → Empower if it's mostly investments, Monarch if it's a household.
• Feel like Mint again → Simplifi.
• Stop paying for things I forgot about → Rocket Money.
• Actually spend less → YNAB or BudgetLabs. Mint was never going to do this one.

The mistake I see most among Mint refugees is replacing a free tracker with a paid tracker and expecting a different outcome. If the tracking wasn't working, buy a different category of tool, not a nicer version of the same one.

Frequently Asked Questions

What happened to Mint?

Intuit shut Mint down in early 2024 and directed users toward Credit Karma, which covers credit monitoring but not the budgeting and full-account tracking Mint offered.

What is the best free Mint alternative?

NerdWallet is the closest genuine replacement — free, syncs accounts, includes credit score, supported by ads. Empower's dashboard is also free and stronger on investments. BudgetLabs and Goodbudget both have free tiers but neither syncs banks or shows a credit score.

Is there a Mint alternative that shows my credit score?

NerdWallet and Rocket Money both do. Most paid budgeting apps — Monarch, Copilot, Simplifi, YNAB, BudgetLabs — do not; credit monitoring generally lives in separate products now.

Which Mint alternative is most like Mint?

Quicken Simplifi, at roughly $47.88/yr. It's the consensus pick for feeling closest to Mint, with the obvious difference that Mint was free.

Is Monarch worth $99.99 a year to replace a free app?

For a household needing shared access, investment tracking, and the best web interface in the category, plausibly yes. For one person who mostly checked balances, almost certainly not — a free option covers that.

Do I need bank sync to budget?

No, and for some people it's counterproductive. Automatic categorization removes the moment of attention that changes behavior. Best Budgeting App Without Bank Sync covers the manual and semi-manual options.

Can I get my Mint data out?

Mint offered CSV export before shutdown. If you saved it, most apps here accept CSV import; if you didn't, you're starting fresh, which is annoying but not fatal — a budget only needs a month or two of history to be useful.

Related reading

• Mint Alternative: BudgetLabs vs Mint
• Monarch vs Simplifi: Which Tracker Wins in 2026?
• Monarch vs Copilot Money: Which to Pick in 2026?
• Origin vs Monarch vs Copilot: Which to Pick in 2026?
• YNAB vs Quicken Simplifi: Method vs Spending Plan (2026)
• 11 Best YNAB Alternatives in 2026 (From $1.99/mo)
• Best Budgeting App for Beginners in 2026 (Honest Ranking)
• Zero-Based Budgeting: A Practical Guide
• Best Zero-Based Budgeting Apps in 2026 (Honest Ranking)