The best Mint alternatives in 2026, honestly compared

Mint was three things at once, and almost nobody used all three. Which one you'll miss decides everything that follows.

The passive tracker. You connected your accounts, transactions categorised themselves, and once a month you looked at where the money went. You never set a budget you stuck to. This was most Mint users.

The active budgeter. You assigned money to categories before spending it and checked against the plan. Mint was mediocre at this, which is why the people who wanted it left for YNAB years before the shutdown.

The net worth watcher. You cared less about the coffee line and more about whether the total was going up: accounts, investments, the mortgage coming down.

Pick the one that describes you before reading any further. Choosing a tool built for a different job is why people churn through three apps in a year.

Monarch Money is the closest thing to Mint's replacement and the default recommendation for a reason: dashboard, net worth tracking, collaborative households, solid categorisation. It also raised its price twice after Mint closed and now sits around $14.99/month, which is the going rate for this category and still a shock coming from something that was free.

YNAB is not a Mint replacement and does not want to be. It asks you to assign every dollar a job before you spend it. At roughly $109/year it is the priciest here, and it either changes how you handle money or it annoys you within a fortnight. There is very little middle ground. If passive tracking never actually changed your behaviour, this is the reason to consider it.

Copilot Money is the best-looking one, with genuinely good automatic categorisation, at around $13/month. It is Apple-only, so it decides itself for anyone with an Android phone in the household.

Quicken Simplifi is the cheapest of the paid options at roughly $3.99/month billed annually. The feature set is lighter, and that is the trade: it does less and asks less.

Empower (formerly Personal Capital) is free and strongest on the investment side, portfolio breakdown, fees, retirement projections. The budgeting is secondary. It is free because it is a lead generator for their wealth management arm, which is worth knowing going in, not a reason to avoid it.

Rocket Money is really a subscription canceller with budgeting attached. If your actual problem is four streaming services you forgot about, it solves that better than anything else here.

Actual Budget is open source, free and self-hosted. Envelope budgeting, your data on your own machine. It asks for setup effort that most people will not put in, and rewards the ones who do with something nobody can shut down or reprice.

Every list above assumes you want to connect your bank accounts. That assumption deserves a moment, because Mint's own closure is the best argument against it.

When an app "connects to your bank", it is usually not the app, it is an intermediary aggregator granted permission to read your transactions. That arrangement has three costs that rarely appear in reviews:

• It breaks. Connections drop every few weeks. The bank changes something, the link dies, and your data has a hole in it exactly when you were relying on it.
• It is a dependency. Your financial history lives somewhere that can be bought, repriced or closed. Ask any Mint user.
• It is coverage-limited. Aggregators cover US and UK banks well, and much of the rest of the world badly or not at all.

The alternative is recording transactions yourself. This costs seconds a day and everyone's first reaction is that it is a step backwards. The honest counter is that plenty of people who have used both say real control arrived when it stopped being automatic, because recording an expense forces you to look at it, and an automatic feed lets you not look for months.

Neto sits on that side of the line deliberately. No bank credentials, no aggregator, works with any bank in any country, and tracks spendingnet worth, debts, investments and savings goals in 62 currencies. It is free to start and there are no ads.

To be straight about it: if what you want is US accounts syncing automatically, Neto is not your answer, pick Monarch. Neto is for the case the list above serves badly: you are outside the US, or you hold accounts in more than one currency, or you have decided you would rather not hand your banking logins to a third party. If none of that is you, one of the six above will fit better, and that is fine. There is a fuller breakdown on the Mint alternative page, and a free net worth calculator if you just want the number before picking any app.

This deserves its own note because most Mint-alternative articles are written as if the US is the whole market.

Several of the apps above either do not operate outside North America or connect to a thin slice of local banks. If you are in Europe, Latin America or anywhere the aggregators treat as a secondary market, your realistic options narrow to: a tool that works without bank connections, a local app built for your country, or a spreadsheet.

Multi-currency is the second filter, and a harsh one. If you earn in one currency and spend in another, most of these will either refuse the account or convert it once at some historical rate and quietly report a wrong total from then on.

Whatever you pick, do this in the right order:

1. 1. Export your Mint data first if you still can, or your current app's. A CSV of transactions is the only portable format that survives everything.
2. 2. Import the history, then check the balances. A good import adds past transactions without rewriting your current account balances. If your starting balance moves after an import, the import is wrong.
3. 3. Give it a full month before judging. The first month is calibration, not evaluation: the categories you chose on day one are never the ones you need, and the limits you set by eye come out too tight or too loose.
4. 4. Check the export button before you commit. If you cannot get your data out in a normal format without asking support, you are one business decision away from repeating 2024.

If you want Mint back, that's Monarch. If passive tracking never changed anything for you, that's YNAB. If you're on Apple and care how it looks, Copilot. If you want cheap and light, Simplifi. If it's really about investments, Empower. If it's really about subscriptions, Rocket Money. If you want nobody to be able to shut it down, Actual Budget.

And if the part of Mint's story that stuck with you is that a company you depended on switched it off, start by deciding whether you want that dependency at all. The tool comes second.