The very best Mint options

As a long-time Mint person, I used to be pissed off to say the least when information broke on the finish of 2023 that Intuit would shut Mint down. I, like tens of millions of others, loved how simply Mint allowed us to trace all accounts in a single place and monitor credit score scores. I additionally used it repeatedly to trace spending, set objectives like pay my mortgage down quicker and with common cash administration.

So I got down to discover the perfect Mint options within the wake of its disappointing demise. I gave Credit Karma, Intuit’s different monetary app, a strive however discovered it to be a poor Mint substitute. The next information lays out my expertise testing among the hottest Mint substitute apps obtainable at present searching for my subsequent budgeting app.

Our choose for finest Mint different stays Quicken Simplifi, even lengthy after Mint shutting down, because of its straightforward to make use of app, good earnings and invoice detection and its inexpensive value. However there are many different stable choices on the market for these with totally different wants. For those who’re additionally on the hunt for a budgeting app to exchange Mint, we hope these particulars may help you determine which of the best budgeting apps on the market shall be best for you.

Desk of contents

Finest Mint options in 2025

No pun meant, however what I like about Quicken Simplifi is its simplicity. Whereas different budgeting apps attempt to distinguish themselves with darkish themes and customizable emoji, Simplifi has a clear person interface, with a touchdown web page that you simply simply hold scrolling by means of to get an in depth overview of all of your stats. These embody your top-line balances; web price; current spending; upcoming recurring funds; a snapshot of your spending plan; high spending classes; achievements; and any watchlists you’ve arrange.

One other one of many key options I admire is the power to arrange financial savings objectives elsewhere within the app. I additionally admire the way it gives neat, nearly playful visualizations with out ever trying cluttered. I felt at dwelling within the cell and net dashboards after a day or so, which is quicker than I tailored to some competing providers (I’m taking a look at you, YNAB and Monarch).

Getting arrange with Simplifi was largely painless. I used to be significantly impressed at how simply it related to Constancy; not all price range trackers do, for no matter motive. That is additionally one of many solely providers I examined that provides you the choice of inviting a partner or monetary advisor to co-manage your account. One factor I might add to my preliminary evaluation of the app, having used it for a couple of months now: I want Simplifi supplied Zillow integration for simply monitoring your house worth (or at the least a tough estimate of it). Varied opponents together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API obtainable to be used. Because it stands, Simplifi customers should add actual property manually like some other asset.

In apply, Simplifi miscategorized a few of my bills, however nothing out of the extraordinary in comparison with any of those price range trackers. As you’re reviewing transactions, you may also mark for those who’re anticipating a refund, which is a singular function among the many providers I examined. Simplifi additionally estimated my common earnings higher than another apps I examined. Most of all, I appreciated the choice of with the ability to categorize some, however not all, purchases from a service provider as recurring. As an illustration, I can add my two Amazon subscribe-and-saves as recurring funds, with out having to create a broad-strokes rule for each Amazon buy.

The budgeting function can be self-explanatory and may doubtless accommodate your most popular budgeting technique. Simply examine that your common earnings is correct and remember to arrange recurring funds, making notice of that are payments and that are subscriptions. That is essential as a result of Simplifi exhibits you your whole take-home earnings in addition to an “earnings after payments” determine. That quantity contains, effectively, payments however not discretionary subscriptions. From there, you possibly can add spending targets by class within the “deliberate spending” bucket. Deliberate spending can even embody one-time expenditures, not simply month-to-month budgets. Once you create a price range, Simplifi will counsel a quantity based mostly on a six-month common.

Not dealbreakers, however two issues to bear in mind as you get began: Simplifi is notable in you could’t arrange an account by means of Apple or Google. There may be additionally no choice for a free trial, although Quicken guarantees a “30-day a refund assure.”

Monarch Cash

Month-to-month price: Begins at $9 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

A strong budgeting app that’s a bit of more durable to make use of than our high choose, however not prohibitively so. (Energy customers may not thoughts.)

Professionals

• A lot of element and alternatives for personalization
• Useful “objectives” function
• You’ll be able to grant account entry to different individuals
• Chrome extension for importing from Mint
• Month-in-review recap is extra thorough than most
• Automotive worth syncing
• Zillow integration

Cons

• Steeper studying curve than another price range trackers
• The cell app feels restricted and fewer intuitive than the online model
• Doesn’t appear to differentiate between payments and different recurring bills
• Some bugginess on cell round creating guidelines for expense classes

$100 a year or $15 a month at Monarch Money

Monarch Money grew on me. My first impression of the budgeting app, which was based by a former Mint product supervisor, was that it is harder to make use of than others on this listing, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing expense classes, including recurring transactions and creating guidelines, for instance, is a bit more difficult than it must be, particularly within the cell app. (My recommendation: Use the online app for fine-tuning particulars.) Monarch additionally didn’t get my earnings proper; I needed to edit it.

When you’re arrange, although, Monarch gives a powerful degree of granularity. Within the budgets part, you possibly can see a bona fide steadiness sheet exhibiting budgets and actuals for every class. You will additionally discover a forecast, for the yr or by month. And recurring bills may be set not simply by service provider, however different parameters as effectively. As an illustration, whereas most Amazon purchases is likely to be marked as “procuring,” these for the quantities of $54.18 or $34.18 are undoubtedly child provides, and may be routinely marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no strategy to mark sure recurring funds as payments, particularly.

Not lengthy after I first revealed this story in December 2023, Monarch introduced an in depth reporting part the place you possibly can create on-demand graphs based mostly on issues like accounts, classes and tags. That function is accessible simply on the net model of the app for now. As a part of this identical replace, Monarch added assist for an aggregator that makes it attainable to routinely replace the worth of your automobile. This, mixed with the present Zillow integration for monitoring your house worth, makes it straightforward to shortly add a non-liquid asset like a automobile or actual property, and have it present up in your web price graph.

The cell app is generally self-explanatory. The principle dashboard exhibits your web price; your 4 most up-to-date transactions; a month-over-month spending comparability; earnings month-to-date; upcoming payments; an investments snapshot; a listing of any objectives you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money circulate; high earnings and expense classes; money circulate developments; adjustments to your web price, belongings and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that for those who click on on the Accounts tab you possibly can see how your web price modified over totally different durations of time, together with one month, three months, six months, a yr or all time.

On the principle display screen, you’ll additionally discover tabs for financial savings and checking accounts (and all others as effectively), transactions, money circulate, price range and recurring. Like lots of the different apps featured right here, Monarch can auto-detect recurring bills and earnings, even when it will get the class improper. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise for those who’re so inclined.

Monarch Cash makes use of a mix of networks to attach with banks, together with Plaid, MX and Finicity, a competing community owned by Mastercard. (I’ve a fast explainer on Plaid, the trade normal on this area, towards the tip of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach by means of these different two networks, if for some motive Plaid fails. Much like NerdWallet, I discovered myself finishing two-factor authentication each time I needed to get previous the Plaid display screen so as to add one other account. Notably, Monarch is the one different app I examined that lets you grant entry to another person in your loved ones — doubtless a partner or monetary advisor. Monarch additionally has a Chrome extension for importing from Mint, although actually that is only a shortcut for downloading a CSV file, which you’ll should do no matter the place you select to take your Mint information.

Moreover, Monarch simply added the power to trace Apple Card, Apple Money, and Financial savings accounts, because of new performance introduced with the iOS 17.4 replace. It is not the one one both; presently, Copilot and YNAB have additionally added comparable performance that shall be obtainable to anybody with the most recent variations of their respective apps on a tool working iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to routinely pull in transactions and steadiness historical past. That ought to make it simpler to account for spending on Apple playing cards and accounts all through the month.

Monarch additionally lately launched funding transactions in beta. It additionally says invoice monitoring and an overhauled objectives system are coming quickly. Monarch hasn’t supplied a timeline for that final one, besides to say that the improved objectives function is coming quickly.

Copilot Cash

Month-to-month price: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS

A superbly designed and fairly priced app with plenty of options in improvement — together with Android and net apps.

Professionals

• Slick UI
• Standalone Mac app
• Decrease month-to-month value than some competing apps
• Does a very good job visualizing recurring bills
• Elective Amazon, Venmo and Zillow integration
• “To evaluation” part is helpful

Cons

• No net or Android app but
• Miscategorized extra bills than our high choose
• A lot of in any other case frequent options are nonetheless in improvement

$95 a year or $13 a month at Copilot Money

Copilot Money is likely to be the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — at the least for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and net apps are coming quickly. However till it follows by means of, I can’t suggest Copilot for most individuals with so many good opponents on the market.

There are different options that Copilot is lacking, which I’ll get into. However it’s promising, and one to control. It’s only a quick, environment friendly, effectively designed app, and Android customers shall be in for a deal with once they’ll lastly be capable to obtain it. It makes good use of colours, emoji and graphs that will help you perceive at a look the way you’re doing on all the things out of your budgets to your funding efficiency to your bank card debt over time. Particularly, Copilot does a greater job than nearly some other app of visualizing your recurring month-to-month bills.

Behind these punchy colours and cutesy emoji, although, is a few subtle efficiency. Copilot’s AI-powered “Intelligence” will get smarter as you go at categorizing your bills. (You may also add your personal classes, full together with your selection of emoji.) It’s not good. Copilot miscategorized some purchases (all of them do), nevertheless it makes it simpler to edit than most. On high of that, the interior search function may be very quick; it begins whittling down leads to your transaction historical past as quickly as you start typing.

Copilot can be distinctive in providing Amazon and Venmo integrations, permitting you to see transaction particulars. With Amazon, this requires simply signing into your Amazon account through an in-app browser. For Venmo, you need to arrange fwd@copilot.cash as a forwarding tackle after which create a filter, whereby emails from venmo@venmo.com are routinely forwarded to fwd@copilot.cash. Like Monarch Cash, you may also add any property you personal and observe its worth by means of Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless admire that Copilot marks new transactions for evaluation. It’s a great way to each weed out fraudulent costs, and likewise be considerably intentional about your spending habits.

Like Monarch Cash, Copilot up to date its app to make it simpler to hook up with banks by means of networks apart from Plaid. As a part of the identical replace, Copilot mentioned it has improved its connections to each American Categorical and Constancy which, once more, is usually a bugbear for some price range monitoring apps. In an much more current replace, Copilot added a Mint import choice, which different budgeting apps have begun to supply as effectively.

As a result of the app is comparatively new (it launched in early 2020), the corporate remains to be catching as much as the competitors on some table-stakes options. Ugarte instructed me that his workforce is nearly completed constructing out an in depth money circulate part as effectively. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its good expense categorization. These embody “good monetary objectives,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to provide individuals a way of how they’re doing in comparison with different Copilot customers, on each spending and funding efficiency. Most of those options ought to arrive within the new yr.

Copilot does a pair attention-grabbing issues for brand spanking new clients that distinguish it from the competitors. There’s a “demo mode” that seems like a sport simulator; no want so as to add your personal accounts. The corporate can be providing two free months with RIPMINT — a extra beneficiant introductory supply than most. When it lastly does come time to pony up, the $7.92 month-to-month plan is cheaper than some competing apps, though the $95-a-year-option is in the identical ballpark.

NerdWallet

Month-to-month price: $0 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

The very best free price range monitoring app you will get (and there aren’t many compromises apart from the ever-present advertisements).

Professionals

• Free
• Straightforward to make use of
• Useful weekly insights
• NerdWallet has a deep effectively of useful monetary explainers and guides
• One of many few choices that gives credit score rating monitoring

Cons

• Adverts all over the place
• No customization for spending classes
• Much less adept at detecting common earnings
• One of many extra tedious setup processes

Free at NerdWallet

You could know NerdWallet as a web site that gives a mixture of private finance information, explainers and guides. I see it usually after I google a monetary time period I don’t know and certain sufficient, it’s one of many websites I’m most certainly to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. In reality, there isn’t any paid model; nothing is locked behind a paywall. The principle catch: There are advertisements all over the place. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card gives, NerdWallet has a clear, easy-to-understand person interface, which incorporates each an online and a cell app. The important thing metrics that it highlights most prominently are your money circulate, web price and credit score rating. (Of notice, though Mint itself supplied credit score rating monitoring, most of its rivals don’t.) I significantly loved the weekly insights, which delve into issues like the place you spent essentially the most cash or how a lot you paid in charges — and the way that compares to the earlier month. As a result of that is NerdWallet, an encyclopedia of monetary data, you get some significantly particular class choices when organising your accounts (assume: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit primary. Like different apps I examined, you possibly can arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your price range towards belongings you want, 30% towards belongings you need, and the remaining 20% into financial savings or debt repayments. If this works for you, nice — simply know you could’t customise your price range to the identical diploma as some competing apps. You’ll be able to’t presently create customized spending classes, although a notice contained in the dashboard part of the app says “you’ll be capable to customise them sooner or later.” You can also’t transfer objects from the desires column to “wants” or vice versa however “Sooner or later, you’ll transfer particular transactions to actively handle what falls into every group.” A NerdWallet spokesperson declined to offer an ETA, although.

Lastly, it’s price noting that NerdWallet had one of the crucial onerous setup processes of any app I examined. I don’t assume it is a dealbreaker, as you’ll solely should do it as soon as and, hopefully, you aren’t organising six or seven apps in tandem as I used to be. What made NerdWallet’s onboarding particularly tedious is that each time I needed so as to add an account, I needed to undergo a two-factor authentication course of to even get previous the Plaid splash display screen, and that’s not together with the 2FA I had arrange at every of my banks. It is a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is without doubt one of the solely price range trackers to supply credit score rating monitoring, it additionally wants extra of your private data throughout setup, together with your birthday, tackle, cellphone quantity and the final 4 digits of your social safety quantity. It’s the identical with Credit score Karma, which additionally does credit score rating monitoring.

Associated to the setup course of, I discovered that NerdWallet was much less adept than different apps at routinely detecting my common earnings. In my case, it counted a big one-time wire switch as earnings, at which level my solely different choice was to enter my earnings manually (which is barely annoying as a result of I might have wanted my pay stub helpful to double-check my take-home pay).

YNAB

Month-to-month price: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cellular app: iOS, Android

An app with a cult following that promotes a unique, extra hands-on method to budgeting. Not for individuals who need a set-and-forget expertise.

Professionals

• Significantly sturdy emphasis on budgeting
• Distinctive “zero-dollar” method to monetary planning that some individuals swear by

Cons

• Steep studying curve
• More durable to make use of sure options on the cell app than on the net

$110 a year or $15 a month at YNAB

YNAB is, by its own admission, “totally different from something you’ve tried earlier than.” The app, whose identify is brief for You Want a Price range, promotes a so-called zero-based budgeting system, which forces you to assign a objective for each greenback you earn. A continuously used analogy is to place every greenback in an envelope; you possibly can all the time transfer cash from one envelope to a different in a pinch. These envelopes can embody lease and utilities, together with unexpected bills like vacation presents and the inevitable automobile restore. The thought is that for those who price range a specific amount for the unknowns every month, they gained’t really feel like they’re sneaking up on you.

Importantly, YNAB is simply involved with the cash you’ve in your accounts now. The app doesn’t ask you to offer your take-home earnings or arrange recurring earnings funds (though there’s a method to do that). The cash you’ll make later within the month by means of your salaried job just isn’t related, as a result of YNAB doesn’t interact in forecasting.

The app is more durable to study than some other right here, and it requires extra ongoing effort from the person. And YNAB is aware of that. Inside each the cell and net apps are hyperlinks to movies and different tutorials. Though I by no means fairly obtained snug with the person interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new price range every month and to evaluation every transaction just isn’t essentially a foul factor. As YNAB says on its web site, “Positive, you’ve obtained pie charts exhibiting that you simply spent an obscene amount of cash in eating places — however you’ve nonetheless spent an obscene amount of cash in eating places.” I can see this method being helpful for individuals who don’t are likely to have a variety of money in reserve at a given time, or who’ve spending habits they wish to right (to riff off of YNAB’s personal instance, ordering Seamless 4 occasions per week).

My colleague Valentina Palladino, figuring out I used to be engaged on this information, penned a respectful rebuttal, explaining why she’s been utilizing YNAB for years. Maybe, like her, you’ve main financial savings objectives you wish to obtain, whether or not it’s paying for a marriage or shopping for a home. I counsel you give her column a learn. For me, although, YNAB’s method seems like overkill.

Different Mint options we examined

PocketGuard

PocketGuard was a stable free price range tracker, however the firm has since restricted its “free” model to only a free seven-day trial. Now, you’ll have to decide on between two plans as soon as the trial is over: a $13 month-to-month plan or a $75 annual plan. Once I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless a good choice. The principle overview display screen exhibits you your web price, whole belongings and money owed; web earnings and whole spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you’ve; and any objectives. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter your entire recurring payments, after which PocketGuard exhibits you what’s left, and that’s what you’re presupposed to be budgeting: your disposable earnings.

Though PocketGuard’s UI is simple sufficient to know, it lacks polish. The “accounts” tab is a bit of busy, and doesn’t present totals for classes like money or investments. Seemingly small particulars like weirdly phrased or punctuated copy often make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates have been obtainable. The net model, in the meantime, feels just like the cell app blown as much as a bigger format and doesn’t benefit from the additional display screen actual property. In the end, now that the free tier is gone, it simply doesn’t current the identical worth proposition because it as soon as did.

What’s Plaid and the way does it work?

Every of the apps I examined makes use of the identical underlying community, referred to as Plaid, to tug in monetary information, so it’s price explaining in its personal part what it’s and the way it works. Plaid was based as a fintech startup in 2013 and is at present the trade normal in connecting banks with third-party apps. Plaid works with over 12,000 monetary establishments throughout the US, Canada and Europe. Moreover, greater than 8,000 third-party apps and providers depend on Plaid, the company claims.

To be clear, you don’t want a devoted Plaid app to make use of it; the expertise is baked into a wide selection of apps, together with the price range trackers I examined for this information. As soon as you discover the “add an account” choice in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search discipline you need to use to look yours up immediately. As soon as you discover yours, you’ll be prompted to enter your login credentials. If in case you have two-factor authentication arrange, you’ll have to enter a one-time passcode as effectively.

Because the intermediary, Plaid is a passthrough for info which will embody your account balances, transaction historical past, account kind and routing or account quantity. Plaid makes use of encryption, and says it has a coverage of not promoting or renting buyer information to different firms. Nevertheless, I might not be doing my job if I didn’t notice that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for accumulating “extra monetary information than was wanted.” As a part of the settlement, Plaid was compelled to alter a few of its enterprise practices.

In an announcement supplied to Engadget, a Plaid spokesperson mentioned the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are targeted on us accelerating workstreams already underway associated to giving individuals extra transparency into Plaid’s position in connecting their accounts, and guaranteeing that our workstreams round information minimization stay on observe.”

How you can import your monetary information from the Mint app

Mint customers ought to take into account getting their information able to migrate to their new budgeting app of selection quickly. Sadly, importing information from Mint just isn’t as straightforward as coming into your credentials from inside your new app and hitting “import.” In reality, any app that advertises the power to port over your stats from Mint is simply going to have you ever add a CSV file of transactions and different information.

To obtain a CSV file from Mint, do the next:

1. Signal into Mint.com and hit Transactions within the menu on the left facet of the display screen.

2. Choose an account, or all accounts.

3. Scroll down and search for “export [number] transactions” in smaller print.

4. Your CSV file ought to start downloading.

Word: Downloading on a per-account foundation might sound extra annoying, however might allow you to get arrange on the opposite facet, if the app you’re utilizing has you importing transactions one-for-one into their corresponding accounts.

How we examined Mint options

Earlier than I dove into the world of budgeting apps, I had to do a little analysis. To discover a listing of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn evaluations of fashionable apps on the App Retailer; and likewise requested mates and colleagues what price range monitoring apps they is likely to be utilizing. A number of the apps I discovered have been free, similar to Mint. These, after all, present a great deal of advertisements (excuse me, “gives”) to remain in enterprise. However many of the obtainable apps require paid subscriptions, with costs usually topping out round $100 a yr, or $15 a month. (Spoiler: My high choose is cheaper than that.)

Since this information is supposed to assist Mint customers discover a everlasting substitute, any providers I selected to check wanted to do a number of issues: import your entire account information into one place; supply budgeting instruments; and observe your spending, web price and credit score rating. Besides the place famous, all of those apps can be found for iOS, Android and on the net.

As soon as I had my shortlist of six apps, I set to work setting them up. For the sake of completely testing these apps (and bear in mind, I actually was in search of a Mint alternative myself), I made a degree of including each account to each budgeting app, regardless of how small or immaterial the steadiness. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of coming into passwords and one-time passcodes, for a similar banks half a dozen occasions over. Hopefully, you solely have to do that as soon as.

What about Rocket Cash?

Rocket Money is one other free monetary app that tracks spending and helps issues like steadiness alerts and account linking. For those who pay for the premium tier, the service can even allow you to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll take into account it in future updates.