Mint shut down in March 2024 and Credit Karma isn’t a real replacement. Here are the best budgeting apps for former Mint users — including free options and tools that go far beyond what Mint ever offered.
Each app below addresses a specific gap in Mint's offering. We picked them based on real user review patterns and feature differentiation.
Built by Mint’s first product manager. Tracks budgets, spending, net worth, investments, and recurring subscriptions in one dashboard. Flex Budgeting handles variable expenses intelligently. The closest thing to what Mint should have become.
Explore Monarch Money data →You Need A Budget takes a fundamentally different approach: every dollar gets assigned a job before you spend it. Steeper learning curve than Mint but users report saving an average of $600 in the first two months. The gold standard for intentional budgeting.
Explore YNAB data →Formerly Personal Capital. Links all financial accounts — bank, credit cards, investments, loans — for a complete net worth view. Free budgeting, spending categorization, and retirement planning. The best free option for people who also want investment analysis.
Explore Empower data →The app that feels most like Mint. Automatic spending categorization, bill detection, savings goals, and a clean mobile experience. Consistently rated the easiest Mint replacement to set up and use.
Explore Quicken Simplifi data →Calculates your “In My Pocket” amount after bills, goals, and necessities. Simple, visual approach to budgeting that answers the question Mint users asked most: how much can I safely spend right now? Free tier connects up to two financial institutions.
Explore PocketGuard data →Digitizes the classic envelope budgeting method. Allocate money to spending categories and track what’s left in each envelope. Syncs across devices for couples. No bank linking required — manual entry encourages mindful spending.
Explore Goodbudget data →We found these alternatives by analyzing review patterns across hundreds of personal finance apps. Former Mint users most commonly cite the need for automatic bank syncing, spending categorization, and budget tracking — features Credit Karma doesn’t provide.
Intuit shut down Mint on March 23, 2024. The ad-supported free model wasn’t covering data costs, so Intuit consolidated users into Credit Karma — which lacks Mint’s budgeting features. Millions of users lost access to their budgets, spending history, and savings goals overnight.
Empower (formerly Personal Capital) is the best free replacement. It offers budgeting, spending categorization, net worth tracking, and investment analysis at no cost. PocketGuard and Goodbudget also have free tiers, though more limited. For the most Mint-like experience, Quicken Simplifi is affordable at $5.99/month.
Yes, for users who relied on Mint’s full feature set. Monarch was built by Mint’s first product manager and covers budgets, spending, investments, net worth, and recurring subscriptions. At $99.99/year it’s not free like Mint was, but it’s the most comprehensive replacement available.
App Vulture uses AI-powered review intelligence to analyze what real users say about apps — their pain points, feature requests, and reasons for switching. We identified these alternatives by analyzing review patterns across personal finance and budgeting apps.
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