Personal Finance · Honest Comparison

Best Mint alternatives in 2026

Mint shut down on January 1, 2024 — and millions of users have spent the months since bouncing between budgeting apps that aren't quite Mint. We compared the seven serious replacements honestly: real pros, real cons, real prices, no "everyone wins" energy. Here's the call.

By Woodo EditorialMay 16, 202611 min read

The 30-second answer

If you want the experience that felt most like Mint, Monarch Money is the closest visual and functional replacement — at the cost of a $100/yr subscription. If you want a free Mint alternativethat doesn't require handing over your bank login, Woodo reads the PDF statement your bank already sends and turns it into a full spending dashboard for free, once a month. Anything else is a step toward budgeting (YNAB), spreadsheet ownership (Tiller), or investment tracking (Empower) — useful, but not quite Mint.

If you want…Best pickStarting price
The closest Mint replacement experienceMonarch Money$14.99/mo · $99.99/yr
A free Mint alternative with no bank loginWoodoFree · paid tiers from $4.99/mo
The best iOS experienceCopilot Money$13/mo · $95/yr
Aggressive subscription cancellingRocket MoneyFree · Premium $4–$12/mo
Active envelope budgetingYNAB$14.99/mo · $109/yr
Total spreadsheet ownershipTiller$6.58/mo · $79/yr
Net worth + investment focusEmpowerFree (advisory fees if you opt in)

Prices verified May 2026. Always check each provider's site for current rates — several have raised prices since Mint shut down.

Why did Mint shut down?

Mint launched in 2006, was bought by Intuit in 2009 for $170 million, and for the next fifteen years quietly accumulated something like 25 million users — most of them free. The business model was simple and brittle: aggregate everyone's financial accounts, monetise with affiliate offers for credit cards, loans, and savings products.

In late 2023, Intuit announced it was sunsetting Mint and migrating users to Credit Karma, a product Intuit had acquired in 2020. The official reason was consolidation; the practical reason was that ad-supported budgeting couldn't compete with TurboTax, QuickBooks, and Credit Karma's credit-card lead-gen economics. Mint went read-only on March 23, 2024 and was fully retired shortly after.

For users, this kicked off two problems: export your old data (most did, many didn't), and find a replacement. The market has rushed to fill the vacuum — but every alternative makes different trade-offs. Below, the honest read on each.

The seven serious Mint alternatives

Monarch Money

The closest visual replacement for Mint.

Best for: Ex-Mint users who want the same dashboard experience and don't mind paying.Price: $14.99/mo or $99.99/yr · 7-day trialVisit site →
Pros
  • Beautiful dashboard, household-friendly with shared accounts
  • Plaid, Finicity, and MX connections (broad bank coverage)
  • Investment tracking, net-worth view, custom budgets
  • Strong mobile + web experience
Cons
  • No free tier — paid subscription after the trial
  • Plaid-based, so connections occasionally break when banks update logins
  • $100/yr feels steep relative to Mint's free legacy

Copilot Money

The most beautiful budgeting app on iOS.

Best for: Apple-ecosystem users who want premium UX and AI-powered categorisation.Price: $13/mo or $95/yr · 30-day trialVisit site →
Pros
  • Class-leading mobile design and animations
  • Smart auto-categorisation that actually learns
  • Great review-and-confirm transaction flow
Cons
  • iOS only — no Android, no proper web app
  • Plaid-based bank connections
  • Pricier than Mint ever was (Mint was free)

Rocket Money

The subscription hunter.

Best for: Anyone who wants to cancel forgotten subscriptions and negotiate bills.Price: Free tier · $4–$12/mo Premium (you pick)Visit site →
Pros
  • Best-in-class recurring-charge and subscription detection
  • Bill-negotiation service (they take a cut of savings)
  • Free tier exists, unlike Monarch and Copilot
Cons
  • Free tier is intentionally limited — upsells throughout
  • Owned by Rocket Companies (mortgages, lending) — more cross-sell than Mint had
  • Plaid-based connections, with the usual reliability caveats

YNAB

The serious budgeter's tool — not a Mint replacement.

Best for: Active envelope budgeters who want zero-based budgeting discipline.Price: $14.99/mo or $109/yr · 34-day trial · free for studentsVisit site →
Pros
  • Best zero-based budgeting workflow on the market
  • Excellent education content (YNAB method)
  • Strong community of active users
Cons
  • Steep learning curve — not for passive users
  • Different philosophy from Mint: requires daily check-ins
  • Same Plaid-based sync fragility as Monarch / Copilot

Tiller

Spreadsheets, automated.

Best for: Spreadsheet die-hards who want full data ownership and custom analysis.Price: $6.58/mo or $79/yr · 30-day trialVisit site →
Pros
  • Direct feed into Google Sheets or Excel — total customisation
  • Transparent data — you own every row
  • Templates for budgeting, debt tracking, net worth
Cons
  • You're maintaining a spreadsheet — not for spreadsheet-averse users
  • Yodlee-based syncs can break and need re-auth
  • Less polished mobile experience than the app-first competitors

Empower (formerly Personal Capital)

Free, with a net-worth and investing focus.

Best for: Anyone whose financial life is more about investments than daily spending.Price: Free for the dashboard · advisory services charge AUM feesVisit site →
Pros
  • Genuinely free dashboard, no premium subscription
  • Excellent net-worth and investment-fee analysis
  • Retirement planner is one of the best free tools online
Cons
  • Built to upsell their wealth-advisory service — expect calls if you have assets
  • Less focused on daily spending and category budgets than Mint was
  • Some users find the categorisation less granular than Mint's

Woodo

Statement-based, no Plaid, free monthly analysis.

Best for: Ex-Mint users who don't want a bank-aggregator login or sync-break headaches.Price: Free 1 PDF/mo · $4.99–$249.99/mo paid tiers (more uploads, profiles, advisor features)Visit site →
Pros
  • No Plaid, no MX, no bank login — you upload the PDF you already have
  • AI-powered categorisation, full dashboard, subscription detection
  • Free tier exists (no credit card to start) — most Mint alternatives don't
  • Designed for households and financial advisors with multi-profile support
Cons
  • Manual PDF upload — not automatic, you bring the statement
  • Optimised for credit-card statements first; bank-account statements work but less polished
  • Lower brand recognition than Monarch / YNAB (this is changing)

How to migrate from Mint to any alternative

If you still have a Mint CSV export from before the March 2024 shutdown, most modern alternatives can ingest it. If you don't, you're starting fresh — which is actually easier than people fear. Here's the four-step version.

  1. Download recent statement PDFs from each bank. Most banks let you grab 12–24 months of statements directly. This gives you a full year of history without bank-login aggregator setup.
  2. Pick a tool that matches your habit. If you logged into Mint once a month and skimmed, Monarch or Woodo will feel familiar. If you want to budget actively, YNAB. If you want a spreadsheet, Tiller.
  3. Import what you have, link what you can. Plaid-based tools will reconnect your accounts; statement-based tools (Woodo) will accept the PDFs directly. You can do both — many users keep Woodo for credit-card analysis and a Plaid tool for checking accounts.
  4. Set a monthly check-in. Mint died partly because users stopped opening it. The replacements that actually stick are the ones you check predictably — most successful Mint-to-X migrations are people who set a calendar reminder for the first weekend of every month.

Try the no-Plaid Mint alternative free

Woodo turns your existing bank statement PDF into a full spending dashboard. Free plan, 1 statement per month, no credit card required.

Sign up free →

Frequently asked questions

Why did Mint shut down?
Intuit, which acquired Mint in 2009, sunset the product on January 1, 2024. Mint relied on advertising and lead-generation revenue, and Intuit decided to migrate its user base to Credit Karma — a different product focused on credit scores rather than budgeting. Mint's roughly 25 million users were given a transition window and an export option before the app was retired.
What is the best Mint alternative right now?
It depends on what you used Mint for. For the closest visual replacement, Monarch Money is the most-recommended pick. For the best free option that doesn't require bank credentials, Woodo lets you upload your PDF statement once a month and get a full analysis dashboard. For active envelope budgeting, YNAB is best in class. There is no single "best" — match the tool to your habit.
Is there a free Mint alternative?
Yes, but each free tier comes with trade-offs. Empower is genuinely free for the dashboard but pushes its advisory service. Rocket Money has a free tier with subscription detection but upsells the premium plan aggressively. Woodo's free plan gives one full AI-powered statement analysis per month with no credit card. Monarch, Copilot, YNAB, and Tiller are all paid-only after a trial.
Can I import my Mint data into a Mint alternative?
Most alternatives accept CSV imports of your Mint transaction history. Monarch and Copilot both have explicit Mint-import flows. YNAB and Tiller accept generic CSVs. If you didn't export your Mint data before the shutdown, you'll have to start fresh with statement history from your bank — which is where a tool that reads PDF statements directly becomes useful.
Do I have to link my bank account to use a Mint alternative?
Most yes, one big exception no. Monarch, Copilot, Rocket Money, YNAB, Tiller, and Empower all rely on Plaid, MX, Yodlee, or Finicity to read your transactions, which means handing over your online-banking credentials to a third-party aggregator. Woodo is the exception — it reads the PDF statement your bank already emails you, so your bank credentials never leave your bank.
Which Mint alternative is best for couples or households?
Monarch Money built shared household plans first and does it best in 2026 — both partners log in to the same dashboard with separate profiles. Woodo's Pro plan supports up to four profiles per account for the same use case, and Advisor plans are unlimited. YNAB also supports household budgeting, though through shared logins rather than role-based profiles.
Is Woodo really a Mint alternative if it doesn't auto-sync?
Yes — for the kind of user Mint actually served. Mint's main value wasn't the sync itself (which broke constantly); it was the dashboard, the categorisation, and the monthly view. Woodo gives you all of that from a PDF you already receive, without the broken-connection failures that plagued Mint users for years. It's a different ingestion method, same end product.
Will any Mint alternative survive longer than Mint did?
Mint died because Intuit decided ad revenue couldn't compete with their other products — a corporate-strategy decision, not a market one. Subscription-based alternatives like Monarch, Copilot, and YNAB have aligned incentives: they only survive if users pay. Free tiers backed by paid plans (Woodo, Rocket Money, Empower) are also more durable than pure ad-supported models. So yes — most of these are structurally less fragile than Mint was.

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