8 Best Mint Alternatives in 2026: Where to Go After the Mint Shutdown

Monarch is the app most ex-Mint users land on, and that’s not a coincidence: co-founder Val Agostino was an early Mint product lead, and Monarch shipped a dedicated Mint CSV importer within weeks of Intuit’s shutdown announcement in October 2023. The product feels like a modern rebuild of what Mint should have become — clean budgets, full investment tracking, net worth, goals, and crucially, multi-user support so couples and partners can manage finances together at no extra cost. Pricing is $14.99/month or $99.99/year ($8.33/month effective). There is no free tier, but a 7-day trial is available, and the experience is consistently rated the most polished in the category.

Visit Monarch →

YNAB (“You Need A Budget”) is philosophically different from everything else on this list. Instead of categorising spending after the fact — Mint’s model — YNAB makes you assign every dollar a job before you spend it. The four-rule method has a learning curve and a near-religious community behind it, and dedicated users routinely report cutting overspending dramatically within months. Pricing is $14.99/month or $109/year, and there’s a generous 34-day free trial plus a year free for students. CSV import works but YNAB’s category-bucket structure means you’ll typically rebuild your setup rather than mirror Mint exactly. Investment tracking is light — YNAB is about cash flow, not portfolios.

Visit YNAB →

Copilot is the design-led entry: a thoughtful, calm interface that started life as iOS/Mac-only and added Android in 2024. AI-assisted categorisation learns from your edits faster than most rivals, recurring-bill detection is sharp, and the investment tracking is solid for an app of its size. Copilot was one of the first apps to ship a dedicated Mint CSV importer, and it’s a good fit for ex-Mint users who valued the visual side of the product. Pricing is $13/month or $95/year ($7.92/month effective). The catch is that Copilot has historically felt strongest on Apple devices — if you live on Windows and Android, Monarch or Simplifi are usually a smoother fit.

Visit Copilot →

Rocket Money (formerly Truebill, rebranded after acquisition by the Rocket Companies group) is closer to a financial-housekeeping tool than a full Mint replacement. The headline features are subscription detection (it finds and helps cancel recurring charges) and bill negotiation, where Rocket negotiates your cable, internet or phone bill in exchange for 30–60% of the savings. There’s a free tier covering basics and a Premium tier on a sliding scale of $6–12/month (you choose). Budgeting and net-worth features exist but are less developed than at Monarch or YNAB. For an ex-Mint user whose main pain point is “where is all my money going every month,” Rocket Money pays back its subscription quickly — just don’t expect deep planning tools.

Visit Rocket Money →

PocketGuard’s core idea is one number: how much you can safely spend today after rent, bills, goals and savings are accounted for. It’s a useful constraint for anyone who routinely overspends, and the simpler interface is a relief if YNAB’s discipline feels heavy. There’s a free tier and a Plus subscription at $7.99/month, $34.99/year or a $79.99 lifetime fee — the lifetime option is genuinely unusual in this category. PocketGuard handles budgeting, debt-payoff plans and net worth, but investment tracking is basic and there’s no Mint CSV importer; you’ll re-link accounts and start fresh.

Visit PocketGuard →

Empower (rebranded from Personal Capital after the 2020 acquisition by Empower Retirement) keeps its core wealth-tracking dashboard genuinely free. It links investment, retirement, bank and credit accounts to give you net worth, asset allocation, fee analysis and retirement projections — the strongest investment-side picture of any free tool here. The catch is the model: Empower’s wealth management arm pitches paid advisory services if you have $100,000+ in linked investable assets, and you’ll receive calls. Budgeting and cash-flow tools exist but are noticeably weaker than Monarch’s or YNAB’s. For an ex-Mint user whose main use was watching net worth and investments, Empower is an excellent free Mint-replacement layer to combine with a dedicated budgeting app.

Visit Empower →

Simplifi is Quicken’s modern, web-and-mobile budgeting product — not the desktop-heavy Quicken Classic. It does the core Mint job well: linked accounts, automatic categorisation, custom budgets, savings goals and investment tracking, and at $5.99/month (or roughly $47.88/year, often discounted to ~$3.99/month for the first year) it’s the cheapest full-feature paid option here. Quicken aggressively courted ex-Mint users in 2023–2024 with migration assistance and discounted first-year pricing, which is why it’s worth a look even if the brand feels older than Monarch’s. There’s no free tier, but the paid pricing is low enough that the comparison is mostly Simplifi vs. Monarch on features per dollar.

Visit Quicken Simplifi →

Tiller is the ex-Mint power user’s natural home. It links your accounts and pushes transactions automatically into Google Sheets or Microsoft Excel, then layers ready-made templates (foundation budgets, debt-snowball trackers, net-worth dashboards) on top. The trade-off is that you’re now maintaining a spreadsheet — but for users who want every cell, formula and chart under their control, no app comes close. Pricing is $79/year (roughly $6.58/month) with a 30-day free trial. Tiller has Mint-CSV templates for users who want to import their old history alongside the live feed. If you’ve ever wished Mint would just “give you the underlying data,” Tiller is that wish made real.

Visit Tiller →