1
Clarity(Our Pick)
$99/year
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 you get way more features and zero ads.
Pros
- Everything Mint did plus investment and crypto tracking
- AI categorization is more accurate than Mint's was
- No ads — Mint was ad-heavy
- Cost basis tracking Mint never offered
Cons
- $99/year vs. Mint's $0
- No credit score monitoring (Mint had this via Credit Karma)
- Newer platform without Mint's 17-year track record
2
Monarch Money
$14.99/mo or $99.99/year
Best direct Mint replacement for traditional budgeting
Monarch is the closest thing to a modern Mint. Same core features—budgeting, spending tracking, net worth—but in a much cleaner interface. If you just want Mint back but better, this is it.
Pros
- Closest experience to Mint in a modern package
- Budgeting, spending, and net worth tracking
- Collaborative features Mint lacked
Cons
- $14.99/month — significantly more than free
- No credit score monitoring
- No crypto or DeFi tracking
Best free Mint alternative with investment focus
Empower is the best free option if you're coming from Mint. You get spending tracking, net worth, and investment analysis at no cost. It's weaker on budgeting, but stronger on the investment side Mint never had.
Pros
- Free — like Mint was
- Spending tracking and net worth
- Investment analysis Mint never offered
Cons
- No real budgeting tools — only spending tracking
- Advisory sales calls are frequent
- Interface is less modern than Monarch or Clarity
4
YNAB
$14.99/mo or $109/year
Best for Mint users who want to actually change spending habits
YNAB is a better budgeting tool than Mint ever was, but it is a very different approach. If Mint's passive tracking did not change your spending, YNAB's hands-on methodology may be the better fit.
Pros
- Superior budgeting methodology to Mint
- Active community helps with the transition
- Actually changes spending behavior
Cons
- $14.99/month is a big jump from free
- Completely different approach than Mint
- No investment or net worth tracking
5
Rocket Money
Free (basic) / $6-12/mo (premium)
Best for former Mint users focused on cutting subscriptions
Rocket Money nails one thing many Mint users cared about: finding and killing subscriptions you forgot about. It also negotiates bills down for you. Basic spending tracking rounds it out.
Pros
- Subscription management Mint users wanted
- Bill negotiation saves real money
- Free tier for basic tracking
Cons
- Budgeting is much more basic than Mint
- Premium features cost $6-12/month
- No investment or net worth tracking
Only for credit monitoring — not a Mint replacement
This is where Intuit sent Mint users, but let's be honest: Credit Karma is a credit monitoring tool, not a budgeting app. Good for checking your credit score and getting card recommendations. Not a real Mint replacement.
Pros
- Free credit score monitoring
- Credit card and loan recommendations
- Tax filing through Cash App Taxes integration
Cons
- Not a budgeting or spending tracking tool
- Monetizes through financial product recommendations
- Mint users will not find their budgets here