After Mint shut down in 2024, millions of users needed a new budgeting app. We tested the top contenders and ranked them on automation, usability, and value for money.
Updated February 2026
Best for investors who also want to budget
Clarity combines budgeting with investment and crypto tracking. AI-powered categorization handles 95%+ of transactions after the first month, and the spending insights surface patterns you would miss manually.
Best for people committed to zero-based budgeting
YNAB (You Need A Budget) is still the king of zero-based budgeting. The methodology works — users report saving $600 in the first two months on average. The learning curve is real, though.
Best for couples managing a household budget together
Monarch replaced Mint for many users with its clean interface and collaborative features. It handles the basics well and works great for couples managing money together.
Best for people who want to cut subscription waste quickly
Rocket Money (formerly Truebill) shines at finding and canceling subscriptions you have forgotten about. The budgeting features are basic but the subscription audit alone can save hundreds per year.
Best for Apple users who want a premium budgeting experience
Copilot is the best-looking budgeting app on iOS with smart categorization and a focus on understanding spending patterns. It is Apple-only, which limits its audience.
Best free envelope budgeting app
Goodbudget is a modern take on the envelope budgeting system. It is simple, effective, and has a generous free tier. Great for people who want the envelope method without physical cash.
For people who will use the zero-based method consistently, YNAB typically saves more than its cost within the first few months. If you just want spending visibility without actively assigning every dollar, a tool like Clarity or Monarch offers better value.
Intuit shut down Mint in early 2024 and migrated users to Credit Karma. Credit Karma focuses on credit monitoring, not budgeting, so most Mint users needed a new app. Monarch, YNAB, and Clarity were the most popular migration destinations.
It depends on the app. Free apps are more likely to monetize data. Paid apps like YNAB, Clarity, and Monarch explicitly state they do not sell user data. Always check the privacy policy — if a budgeting app is free with no clear business model, your data may be the product.
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