Mint shut down in March 2024. Intuit migrated users to Credit Karma, which is not actually a budgeting app — it's a credit-product marketplace with light expense tracking. Two years later, the budgeting market has settled into a clear top tier and the choice depends on what you actually want from a money app.
This guide covers the four apps that genuinely replaced Mint, what each does best, and the trade-offs to expect.
What changed in 2026
- Plaid coverage expanded to 12,000+ institutions — the under-the-hood data provider for most of these apps.
- Monarch raised Series A in late 2025, doubling staff and engineering velocity.
- Apple's "Wallet improvements" in iOS 18 still don't replace a real budgeting app.
How we picked
- Bullet 1: Bank sync reliability (most failures here are Plaid issues, but UX matters)
- Bullet 2: Genuine budgeting (not just tracking)
- Bullet 3: Net worth tracking
- Bullet 4: Couples support
- Bullet 5: Pricing reasonable for what you get
1. Monarch — best Mint replacement for tracking
The closest experience to old Mint. Strong dashboards, net worth, investment account tracking, and goals. Couples can share one account, see each other's transactions, and split bills.
The trade-off: $99/year, no free tier after the trial. Budgeting features are present but less opinionated than YNAB.
2. YNAB — best for actual budgeting
The opposite philosophy from Mint. Mint asked "where did your money go?" YNAB asks "where will your money go?" The methodology forces zero-based budgeting and weekly reconciliation. Steep learning curve in week one, transformative by month three.
The catch: $109/year. The methodology is the product — if you skip the onboarding videos, you'll bounce.
3. Copilot — best iOS-native experience
Built native for iOS and macOS. Faster, prettier, and more opinionated than its competitors. Investment tracking is excellent. Categorization uses on-device ML and learns fast.
The catch: iOS only — no Android, no web. $95/year or $13/month.
4. Rocket Money — best for "I just want to cancel things"
Originally Truebill. Still primarily a subscription manager with budgeting bolted on. If your problem is "I have 14 streaming subscriptions and three I forgot about," this is the right tool.
The catch: free tier is limited. Premium ($4–$12/month, you pick) is needed for real features. Negotiates bills for a 30–60% cut of savings.
Comparison: Mint alternatives in April 2026
| App |
Price |
Best for |
Platforms |
| Monarch |
$99/year |
Net worth, couples |
Web, iOS, Android |
| YNAB |
$109/year |
Zero-based budgeting |
Web, iOS, Android |
| Copilot |
$95/year |
iOS users, design |
iOS, macOS |
| Rocket Money |
Free / $4-12/mo |
Subscription cancel |
Web, iOS, Android |
| EveryDollar |
Free / $80/year |
Ramsey baby steps |
Web, iOS, Android |
Common mistakes to avoid
Picking based on price alone. A $99 app you actually use beats a free app you abandon. Trial each for 14 days; pick the one you opened most.
Trying to do everything in one app. Investment tracking lives better in your brokerage. Subscription cancel lives better in Rocket Money. Pick the right tool for each job.
Connecting brokerage accounts to multiple apps. Each connection adds a Plaid token; each token is a place credentials can break. Minimize.
FAQ
Why did Mint shut down?
Intuit said it didn't fit the company strategy. Realistically, Mint was a free product feeding a paid one (Credit Karma referrals), and the unit economics were tightening as ad rates fell.
Did my Mint data move to Credit Karma?
Some of it. Transaction history transferred, but budgets and categories did not. Most ex-Mint users started over.
Are these apps secure?
They use bank-grade encryption and read-only API access. The bigger risk is the bank-side credentials you share. Use a unique password and 2FA on every linked account.
Where to go next
For related guides see Zero-based budget guide 2026, Best AI tools for personal finance 2026, and Envelope budgeting in 2026.