Mint shut down in early 2024, leaving millions of users without a budgeting app. Intuit migrated users to Credit Karma, but most people need a real Mint replacement. Here are the best options.
Updated February 2026
Best Mint replacement for people who also invest or hold crypto
Clarity picks up where Mint left off and goes further — AI-powered categorization, investment and crypto tracking, and cost basis calculation. It costs $99/year (Mint was free), but the features justify the price.
Best direct Mint replacement for traditional budgeting
Monarch is the closest spiritual successor to Mint. It has the same core features (budgeting, spending tracking, net worth) in a modern, cleaner interface. The most natural migration for Mint users.
Best free Mint alternative with investment focus
Empower is the best free Mint alternative. Spending tracking, net worth, and investment analysis at no cost. It lacks Mint's budgeting tools but excels at the investment side Mint never had.
Best for Mint users who want to actually change spending habits
YNAB is a better budgeting tool than Mint ever was, but it requires a completely different mindset. If Mint's passive tracking was not enough to change your spending, YNAB's active methodology might be what you actually need.
Best for former Mint users focused on cutting subscriptions
Rocket Money focuses on the subscription management that many Mint users relied on. It finds recurring charges, helps you cancel them, and provides basic spending tracking.
Only for credit monitoring — not a Mint replacement
Credit Karma is where Intuit migrated Mint users, but it is a credit monitoring tool, not a budgeting app. Good for credit scores and credit card recommendations — not a real Mint replacement.
Intuit shut down Mint in early 2024 to consolidate users into Credit Karma. Mint's ad-supported model was not profitable enough, and Intuit wanted to push users toward Credit Karma's financial product recommendation model. Mint's budgeting features were not carried over.
Mint offered data export before the shutdown deadline. If you exported CSV files, most apps (Monarch, YNAB, Clarity) can import transaction history. If you missed the export window, your historical data from Mint is likely lost — but reconnecting accounts to a new app will pull in recent transaction history.
Not really. Empower is free and covers spending tracking and net worth, but lacks Mint's budgeting tools. Credit Karma (where Mint migrated) does not do budgeting at all. The reality is that quality budgeting apps cost money now — Mint's free model was subsidized by ads and was ultimately unsustainable.
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