The 5 greatest Mint options to interchange the budgeting app that shut down

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 tens of millions 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 sooner and with common cash administration.

So I got down to discover the very best Mint options within the wake of its disappointing demise. I gave Credit score Karma, Intuit’s different monetary app, a strive however discovered it to be a poor Mint substitute. The next information lays out my expertise testing among the hottest Mint substitute apps accessible as we speak in the hunt for my subsequent budgeting app.

Our choose for greatest Mint different stays Quicken Simplifi, even lengthy after Mint shutting down, due to its simple to make use of app, good earnings and invoice detection and its inexpensive worth. However there are many different stable choices on the market for these with totally different wants. If you happen to’re additionally on the hunt for a budgeting app to interchange Mint, we hope these particulars can assist you determine which of the greatest budgeting apps on the market might be best for you.

Desk of contents

Finest Mint options in 2025

No pun supposed, 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 simply simply maintain scrolling by means of 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; high spending classes; achievements; and any watchlists you’ve arrange.

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

Getting arrange with Simplifi was largely painless. I used to be notably impressed at how simply it linked to Constancy; not all price range trackers do, for no matter cause. 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 number 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). Numerous opponents together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API accessible to be used. Because it stands, Simplifi customers should add actual property manually like some other asset.

In apply, Simplifi miscategorized a few of my bills, however nothing out of the bizarre in comparison with any of those price range trackers. As you’re reviewing transactions, it’s also possible to mark when you’re anticipating a refund, which is a novel function among the many companies I examined. Simplifi additionally estimated my common earnings 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 example, 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 function can be self-explanatory and might doubtless accommodate your most popular budgeting methodology. Simply examine that your common earnings is correct and make sure you arrange recurring funds, making be aware of that are payments and that are subscriptions. That is vital as a result of Simplifi reveals you your complete take-home earnings in addition to an “earnings after payments” determine. That quantity consists of, nicely, payments however not discretionary subscriptions. From there, you possibly can add spending targets by class within the “deliberate spending” bucket. Deliberate spending may also embrace one-time expenditures, not simply month-to-month budgets. If you create a price range, 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 which you can’t arrange an account by means of Apple or Google. There may be additionally no choice for a free trial, although Quicken guarantees a “30-day a reimbursement assure.”

Monarch Cash grew on me. My first impression of the budgeting app, which was based by a former Mint product supervisor, was that it is harder to make use of than others on this checklist, together with Simplifi, NerdWallet and Copilot. And it’s. Modifying expense classes, including recurring transactions and creating guidelines, for instance, is a bit more difficult than it must be, particularly within the cellular app. (My recommendation: Use the net app for fine-tuning particulars.) Monarch additionally didn’t get my earnings proper; I needed to edit it.

When you’re arrange, although, Monarch gives a formidable stage of granularity. Within the budgets part, you possibly can see a bona fide stability sheet exhibiting budgets and actuals for every class. You will additionally discover a forecast, for the 12 months or by month. And recurring bills could be set not simply by service provider, however different parameters as nicely. As an example, whereas most Amazon purchases is likely to be marked as “buying,” these for the quantities of $54.18 or $34.18 are positively child provides, and could be mechanically marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no option to mark sure recurring funds as payments, particularly.

Not lengthy after I first revealed this story in December 2023, Monarch launched an in depth reporting part the place you possibly can create on-demand graphs based mostly on issues like accounts, classes and tags. That function is accessible 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 automobile. This, mixed with the prevailing Zillow integration for monitoring your own home worth, makes it simple 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 usually self-explanatory. The principle dashboard reveals your web value; your 4 most up-to-date transactions; a month-over-month spending comparability; earnings 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 circulate; high earnings and expense classes; money circulate developments; modifications to your web value, property and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the web value graph, in order that when you click on on the Accounts tab you possibly can see how your web value modified over totally different intervals of time, together with one month, three months, six months, a 12 months or all time.

On the principle display screen, you’ll additionally discover tabs for financial savings and checking accounts (and all others as nicely), transactions, money circulate, price range and recurring. Like most of the different apps featured right here, Monarch can auto-detect recurring bills and earnings, even when it will get the class fallacious. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll customise when you’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 normal on this house, towards the top of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach by means of these different two networks, if for some cause 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 lets you grant entry to another person in your loved ones — doubtless 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 should do no matter the place you select to take your Mint information.

Moreover, Monarch simply added the power to trace Apple Card, Apple Money, and Financial savings accounts, due to new performance introduced with the iOS 17.4 replace. It isn’t the one one both; at the moment, Copilot and YNAB have additionally added related performance that might be accessible to anybody with the newest variations of their respective apps on a tool working iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to mechanically pull in transactions and stability historical past. That ought to make it simpler to account for spending on Apple playing cards and accounts all through the month.

Monarch additionally not too long ago launched funding transactions in beta. It additionally says invoice monitoring and an overhauled targets system are coming quickly. Monarch hasn’t offered a timeline for that final one, besides to say that the improved targets function is coming quickly.

Copilot Cash is likely to be 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 net apps are coming quickly. However till it follows by means of, I can’t advocate 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 regulate. It’s only a quick, environment friendly, nicely designed app, and Android customers might be in for a deal with once they’ll lastly have the ability 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 all the things out of your budgets to your funding efficiency to your bank card debt over time. Particularly, Copilot does a greater job than nearly some other app of visualizing your recurring month-to-month bills.

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

Whereas the app is closely automated, I nonetheless respect that Copilot marks new transactions for assessment. It’s a great way to each weed out fraudulent expenses, and in addition be considerably intentional about your spending habits.

Like Monarch Cash, Copilot up to date its app to make it simpler to connect with banks by means of networks apart from Plaid. As a part of the identical replace, Copilot stated it has improved its connections to each American Categorical and Constancy which, once more, is usually a bugbear for some price range monitoring apps. In an much more latest replace, Copilot added a Mint import choice, which different budgeting apps have begun to supply as nicely.

As a result of the app is comparatively new (it launched in early 2020), the corporate remains to be catching as much as the competitors on some table-stakes options. Ugarte informed me that his staff is sort of performed constructing out an in depth money circulate part as nicely. On its web site, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its good expense categorization. These embrace “good monetary targets,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to present individuals 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 12 months.

Copilot does a pair attention-grabbing issues for brand new prospects that distinguish it from the competitors. There’s a “demo mode” that seems like a sport 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.

You could know NerdWallet as a website that provides a mixture of private finance information, explainers and guides. I see it usually after I google a monetary time period I don’t know and certain sufficient, it’s one of many websites I’m almost certainly to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. In truth, there isn’t a paid model; nothing is locked behind a paywall. The principle catch: There are advertisements all over the place. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card gives, 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 circulate, web value and credit score rating. (Of be aware, 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 probably 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 monetary data, you get some notably particular class choices when organising your accounts (assume: 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 possibly can arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your price range towards stuff you want, 30% towards stuff you need, and the remaining 20% into financial savings or debt repayments. If this works for you, nice — simply know which you can’t customise your price range to the identical diploma as some competing apps. You may’t at the moment create customized spending classes, although a be aware contained in the dashboard part of the app says “you’ll have the ability to customise them sooner or later.” You can also’t transfer gadgets from the needs 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 supply an ETA, although.

Lastly, it’s value noting that NerdWallet had one of the crucial onerous setup processes of any app I examined. I don’t assume it is a dealbreaker, as you’ll solely should do it as soon as and, hopefully, you aren’t organising 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. It is a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is without doubt one of the solely price range trackers to supply credit score rating monitoring, it additionally wants extra of your private data throughout setup, together with your birthday, tackle, cellphone 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 earnings. In my case, it counted a big one-time wire switch as earnings, at which level my solely different choice was to enter my earnings manually (which is barely annoying as a result of I’d have wanted my pay stub useful to double-check my take-home pay).

YNAB is, by its personal admission, “totally different from something you’ve tried earlier than.” The app, whose title is brief for You Want a Finances, promotes a so-called zero-based budgeting system, which forces you to assign a function for each greenback you earn. A ceaselessly used analogy is to place every greenback in an envelope; you possibly can all the time 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 automobile restore. The thought is that when you price range a specific amount for the unknowns every month, they gained’t really feel like they’re sneaking up on you.

Importantly, YNAB is just involved with the cash you’ve in your accounts now. The app doesn’t ask you to supply your take-home earnings or arrange recurring earnings funds (though there’s a means to do that). The cash you’ll make later within the month by means of your salaried job just isn’t related, as a result of YNAB doesn’t interact in forecasting.

The app is more durable to study than some other right here, and it requires extra ongoing effort from the person. And YNAB is aware of that. Inside each the cellular and net apps are hyperlinks to movies and different tutorials. Though I by no means fairly obtained snug with the person interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new price range every month and to assessment every transaction just isn’t essentially a nasty factor. As YNAB says on its web site, “Positive, you’ve obtained pie charts exhibiting that you simply 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 inclined to have a variety of money in reserve at a given time, or who’ve spending habits they wish to appropriate (to riff off of YNAB’s personal instance, ordering Seamless 4 occasions every 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 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 stable free price range 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 reveals you your web value, complete property and money owed; web earnings and complete spending for the month; upcoming payments; a useful reminder of when your subsequent paycheck lands; any debt payoff plan you’ve; and any targets. Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” method, the place you enter all your recurring payments, after which PocketGuard reveals you what’s left, and that’s what you’re alleged to be budgeting: your disposable earnings.

Though PocketGuard’s UI is simple sufficient to grasp, it lacks polish. The “accounts” tab is a bit 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 have been accessible. 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 drag in monetary information, 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 as we speak the trade normal 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 corporate 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 price range 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 discipline you should utilize to look yours up straight. As soon as you discover yours, you’ll be prompted to enter your login credentials. If in case you have two-factor authentication arrange, you’ll must enter a one-time passcode as nicely.

Because the intermediary, Plaid is a passthrough for data which will embrace your account balances, transaction historical past, account sort and routing or account quantity. Plaid makes use of encryption, and says it has a coverage of not promoting or renting buyer information to different corporations. Nonetheless, I’d not be doing my job if I didn’t be aware that in 2022 Plaid was compelled to pay $58 million to customers in a category motion go well with for accumulating “extra monetary information than was wanted.” As a part of the settlement, Plaid was compelled to vary a few of its enterprise practices.

In an announcement offered 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 targeted on us accelerating workstreams already underway associated to giving individuals extra transparency into Plaid’s position in connecting their accounts, and making certain that our workstreams round information minimization stay on monitor.”

How you can import your monetary information from the Mint app

Mint customers ought to think about getting their information able to migrate to their new budgeting app of selection quickly. Sadly, importing information from Mint just isn’t as simple as getting into your credentials from inside your new app and hitting “import.” In truth, any app that advertises the power to port over your stats from Mint is simply going to have you ever add a CSV file of transactions and different information.

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

1. Signal into Mint.com and hit Transactions within the menu on the left facet 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 assist you get arrange on the opposite facet, 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 checklist of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn opinions of widespread apps on the App Retailer; and in addition requested associates and colleagues what price range monitoring apps they is likely to be utilizing. A number of the apps I discovered have been free, identical to Mint. These, after all, present a great deal of advertisements (excuse me, “gives”) to remain in enterprise. However many of the accessible apps require paid subscriptions, with costs sometimes topping out round $100 a 12 months, or $15 a month. (Spoiler: My high choose 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 all your account information 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 started working setting them up. For the sake of completely testing these apps (and keep in mind, I actually was in search of a Mint different myself), I made a degree of including each account to each budgeting app, irrespective of how small or immaterial the stability. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of getting into passwords and one-time passcodes, for a similar banks half a dozen occasions over. Hopefully, you solely have to do that as soon as.

What about Rocket Cash?

Rocket Cash is one other free monetary app that tracks spending and helps issues like stability alerts and account linking. If you happen to pay for the premium tier, the service may also assist you cancel undesirable subscriptions. We didn’t take a look at it for this information, however we’ll think about it in future updates.