The most effective 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 hundreds of thousands 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 commonly to trace spending, set targets like pay my mortgage down quicker and with normal cash administration.

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

Our decide for greatest Mint various stays Quicken Simplifi, even lengthy after Mint shutting down, due to its straightforward to make use of app, good revenue and invoice detection and its reasonably priced worth. However there are many different strong choices on the market for these with completely different wants. For those who’re additionally on the hunt for a budgeting app to switch Mint, we hope these particulars may also help you resolve which of the best budgeting apps on the market can 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 just simply hold scrolling via to get an in depth overview of all of your stats. These embrace your top-line balances; web value; latest spending; upcoming recurring funds; a snapshot of your spending plan; prime spending classes; achievements; and any watchlists you’ve arrange.

One other one of many key options I recognize is the flexibility to arrange financial savings targets elsewhere within the app. I additionally recognize the way it affords neat, nearly playful visualizations with out ever wanting cluttered. I felt at house within the cellular and internet dashboards after a day or so, which is quicker than I tailored to some competing companies (I’m taking a look at you, YNAB and Monarch).

Getting arrange with Simplifi was principally painless. I used to be notably impressed at how simply it related to Constancy; not all funds trackers do, for no matter purpose. That is additionally one of many solely companies I examined that provides you the choice of inviting a partner or monetary advisor to co-manage your account. One factor I’d 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 own home worth (or at the very 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 another asset.

In observe, Simplifi miscategorized a few of my bills, however nothing out of the strange in comparison with any of those funds trackers. As you’re reviewing transactions, you may as well mark for those who’re anticipating a refund, which is a novel characteristic among the many companies I examined. Simplifi additionally estimated my common revenue higher than another apps I examined. Most of all, I appreciated the choice of having 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 characteristic can be self-explanatory and might possible accommodate your most popular budgeting methodology. Simply test that your common revenue is correct and you should definitely arrange recurring funds, making observe of that are payments and that are subscriptions. That is essential as a result of Simplifi exhibits you your whole take-home revenue in addition to an “revenue after payments” determine. That quantity consists of, properly, payments however not discretionary subscriptions. From there, you may add spending targets by class within the “deliberate spending” bucket. Deliberate spending can even embrace one-time expenditures, not simply month-to-month budgets. If you create a funds, Simplifi will recommend 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 that you would be able to’t arrange an account via Apple or Google. There’s additionally no choice for a free trial, although Quicken guarantees a “30-day a refund assure.”

Monarch Cash

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

A strong budgeting app that’s somewhat tougher to make use of than our prime decide, however not prohibitively so. (Energy customers won’t thoughts.)

Execs

• Numerous element and alternatives for personalisation
• Useful “targets” characteristic
• You possibly can grant account entry to different folks
• Chrome extension for importing from Mint
• Month-in-review recap is extra thorough than most
• Automobile worth syncing
• Zillow integration

Cons

• Steeper studying curve than another funds trackers
• The cellular app feels restricted and fewer intuitive than the online model
• Doesn’t appear to differentiate between payments and different recurring bills
• Some bugginess on cellular 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 tougher to make use of than others on this record, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing expense classes, including recurring transactions and creating guidelines, for instance, is a bit more sophisticated than it must be, particularly within the cellular app. (My recommendation: Use the online app for fine-tuning particulars.) Monarch additionally didn’t get my revenue proper; I needed to edit it.

When you’re arrange, although, Monarch affords a formidable stage of granularity. Within the budgets part, you may see a bona fide steadiness sheet displaying budgets and actuals for every class. You may additionally discover a forecast, for the yr or by month. And recurring bills might be set not simply by service provider, however different parameters as properly. As an illustration, whereas most Amazon purchases is perhaps marked as “procuring,” these for the quantities of $54.18 or $34.18 are undoubtedly child provides, and might be mechanically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no technique 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 may create on-demand graphs based mostly on issues like accounts, classes and tags. That characteristic is out there simply on the net model of the app for now. As a part of this similar replace, Monarch added assist for an aggregator that makes it doable to mechanically replace the worth of your automotive. This, mixed with the prevailing Zillow integration for monitoring your own home worth, makes it straightforward to rapidly add a non-liquid asset like a automobile or actual property, and have it present up in your web value graph.

The cellular app is generally self-explanatory. The principle dashboard exhibits your web value; your 4 most up-to-date transactions; a month-over-month spending comparability; revenue month-to-date; upcoming payments; an investments snapshot; an inventory of any targets you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money move; prime revenue and expense classes; money move traits; adjustments to your web value, 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 may see how your web value modified over completely 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 properly), transactions, money move, funds and recurring. Like lots of the different apps featured right here, Monarch can auto-detect recurring bills and revenue, even when it will get the class incorrect. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll 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 commonplace on this area, towards the top of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach via these different two networks, if for some purpose 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 permits you to grant entry to another person in your loved ones — possible 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 need to do no matter the place you select to take your Mint knowledge.

Moreover, Monarch simply added the flexibility to trace Apple Card, Apple Money, and Financial savings accounts, due to new performance introduced with the iOS 17.4 replace. It is not the one one both; at the moment, Copilot and YNAB have additionally added related performance that can be obtainable to anybody with the newest variations of their respective apps on a tool operating iOS 17.4. As a substitute of manually importing statements, the brand new performance permits apps like Monarch’s to mechanically 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 targets system are coming quickly. Monarch hasn’t supplied a timeline for that final one, besides to say that the improved targets characteristic is coming quickly.

Copilot Cash

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

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

Execs

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

Cons

• No internet or Android app but
• Miscategorized extra bills than our prime decide
• Numerous in any other case frequent options are nonetheless in improvement

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

Copilot Money is perhaps the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — at the very least for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and internet apps are coming quickly. However till it follows via, 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, properly designed app, and Android customers can 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 can assist you perceive at a look the way you’re doing on the whole lot out of your budgets to your funding efficiency to your bank card debt over time. Specifically, Copilot does a greater job than nearly another app of visualizing your recurring month-to-month bills.

Behind these punchy colours and cutesy emoji, although, is a few refined efficiency. Copilot’s AI-powered “Intelligence” will get smarter as you go at categorizing your bills. (You can too add your personal classes, full along with your selection of emoji.) It’s not good. Copilot miscategorized some purchases (all of them do), but it surely makes it simpler to edit than most. On prime of that, the interior search characteristic could 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 by way of an in-app browser. For Venmo, you need to arrange fwd@copilot.cash as a forwarding deal with after which create a filter, whereby emails from venmo@venmo.com are mechanically forwarded to fwd@copilot.cash. Like Monarch Cash, you may as well add any property you personal and monitor its worth via Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless recognize that Copilot marks new transactions for evaluate. It’s a great way to each weed out fraudulent fees, and in addition 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 via networks aside from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Specific and Constancy which, once more, could be a bugbear for some funds monitoring apps. In an much more latest replace, Copilot added a Mint import choice, which different budgeting apps have begun to supply as properly.

As a result of the app is comparatively new (it launched in early 2020), the corporate continues to be catching as much as the competitors on some table-stakes options. Ugarte instructed me that his crew is sort of achieved constructing out an in depth money move part as properly. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its sensible expense categorization. These embrace “sensible monetary targets,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to offer folks 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 fascinating issues for brand new clients that distinguish it from the competitors. There’s a “demo mode” that seems like a recreation simulator; no want so as to add your personal accounts. The corporate can be providing two free months with RIPMINT — a extra beneficiant introductory provide 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 value: $0 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS, Android

The most effective free funds monitoring app you may get (and there aren’t many compromises in addition to the ever-present advertisements).

Execs

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

Cons

• Advertisements in all places
• No customization for spending classes
• Much less adept at detecting common revenue
• 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 once I google a monetary time period I don’t know and positive sufficient, it’s one of many websites I’m almost definitely to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. Actually, there isn’t any paid model; nothing is locked behind a paywall. The principle catch: There are advertisements in all places. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card affords, NerdWallet has a clear, easy-to-understand person interface, which incorporates each an online and a cellular app. The important thing metrics that it highlights most prominently are your money move, web value and credit score rating. (Of observe, though Mint itself supplied credit score rating monitoring, most of its rivals don’t.) I notably 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 economic information, you get some notably particular class choices when establishing your accounts (suppose: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit fundamental. Like different apps I examined, you may arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your funds 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 that you would be able to’t customise your funds to the identical diploma as some competing apps. You possibly can’t at the moment create customized spending classes, although a observe 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 can transfer particular transactions to actively handle what falls into every group.” A NerdWallet spokesperson declined to offer an ETA, although.

Lastly, it’s value noting that NerdWallet had some of the onerous setup processes of any app I examined. I don’t suppose it is a dealbreaker, as you’ll solely need to do it as soon as and, hopefully, you aren’t establishing 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. This can be a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is among the solely funds trackers to supply credit score rating monitoring, it additionally wants extra of your private information throughout setup, together with your birthday, deal with, telephone 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 mechanically detecting my common revenue. In my case, it counted a big one-time wire switch as revenue, at which level my solely different choice was to enter my revenue manually (which is barely annoying as a result of I’d have wanted my pay stub helpful to double-check my take-home pay).

YNAB

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

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

Execs

• Notably robust emphasis on budgeting
• Distinctive “zero-dollar” method to monetary planning that some folks swear by

Cons

• Steep studying curve
• Tougher to make use of sure options on the cellular app than on the net

$110 a year or $15 a month at YNAB

YNAB is, by its own admission, “completely different from something you’ve tried earlier than.” The app, whose title is brief for You Want a Funds, promotes a so-called zero-based budgeting system, which forces you to assign a objective for each greenback you earn. A incessantly used analogy is to place every greenback in an envelope; you may at all times transfer cash from one envelope to a different in a pinch. These envelopes can embrace hire and utilities, together with unexpected bills like vacation items and the inevitable automotive restore. The thought is that for those who funds a specific amount for the unknowns every month, they received’t really feel like they’re sneaking up on you.

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

The app is tougher to study than another right here, and it requires extra ongoing effort from the person. And YNAB is aware of that. Inside each the cellular and internet apps are hyperlinks to movies and different tutorials. Though I by no means fairly acquired snug with the person interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new funds every month and to evaluate every transaction will not be essentially a foul factor. As YNAB says on its web site, “Positive, you’ve acquired pie charts displaying that you just spent an obscene sum of money in eating places — however you’ve nonetheless spent an obscene sum of money in eating places.” I can see this method being helpful for individuals who don’t are likely to have loads 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 instances per week).

My colleague Valentina Palladino, realizing 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 got main financial savings targets you wish to obtain, whether or not it’s paying for a marriage or shopping for a home. I recommend you give her column a learn. For me, although, YNAB’s method seems like overkill.

Different Mint options we examined

PocketGuard

PocketGuard was a strong free funds 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. After I first examined it, I discovered it to be extra restricted than NerdWallet, however nonetheless an honest choice. The principle overview display screen exhibits you your web value, whole belongings and money owed; web revenue and whole spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you’ve got; and any targets. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter your whole recurring payments, after which PocketGuard exhibits you what’s left, and that’s what you’re imagined to be budgeting: your disposable revenue.

Though PocketGuard’s UI is straightforward sufficient to know, it lacks polish. The “accounts” tab is somewhat busy, and doesn’t present totals for classes like money or investments. Seemingly small particulars like weirdly phrased or punctuated copy sometimes make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates had been obtainable. The net model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t reap the benefits of the additional display screen actual property. Finally, 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, known as Plaid, to tug in monetary knowledge, so it’s value explaining in its personal part what it’s and the way it works. Plaid was based as a fintech startup in 2013 and is in the present day the trade commonplace 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 companies 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 funds 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 subject you should use to look yours up straight. As soon as you discover yours, you’ll be prompted to enter your login credentials. When you’ve got two-factor authentication arrange, you’ll must enter a one-time passcode as properly.

Because the intermediary, Plaid is a passthrough for info that will embrace 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 knowledge to different firms. Nonetheless, I’d not be doing my job if I didn’t observe that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for accumulating “extra monetary knowledge 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 stated the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are centered on us accelerating workstreams already underway associated to giving folks extra transparency into Plaid’s position in connecting their accounts, and making certain that our workstreams round knowledge minimization stay on monitor.”

Methods to import your monetary knowledge from the Mint app

Mint customers ought to think about getting their knowledge able to migrate to their new budgeting app of selection quickly. Sadly, importing knowledge from Mint will not be as straightforward as coming into your credentials from inside your new app and hitting “import.” Actually, any app that advertises the flexibility to port over your stats from Mint is simply going to have you ever add a CSV file of transactions and different knowledge.

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

1. Signal into Mint.com and hit Transactions within the menu on the left aspect 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 make it easier to get arrange on the opposite aspect, 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 perform a little research. To discover a record of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn critiques of common apps on the App Retailer; and in addition requested mates and colleagues what funds monitoring apps they is perhaps utilizing. Among the apps I discovered had been free, similar to Mint. These, after all, present a great deal of advertisements (excuse me, “affords”) 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 prime decide is cheaper than that.)

Since this information is supposed to assist Mint customers discover a everlasting substitute, any companies I selected to check wanted to do a number of issues: import your whole account knowledge into one place; provide budgeting instruments; and monitor your spending, web value 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 totally testing these apps (and keep in mind, I actually was in search of a Mint alternative myself), I made some extent of including each account to each budgeting app, irrespective 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 instances 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 make it easier to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll think about it in future updates.