6 best Mint alternatives for 2026

Mint is gone for good, and the replacements all want your money in different ways. Here is a straight comparison of the six worth considering in 2026.

Intuit pulled the plug on Mint in March 2024 and funneled everyone toward Credit Karma, which is a credit-score product, not a place to budget. Millions of people lost the one dashboard that tied their whole financial life together, and the tools competing to replace it have very different ideas about what you should pay and how much work you should do.

This is a plain comparison of the six replacements actually worth your time in 2026. No affiliate rankings. We looked at what each one costs, what it does for a normal person with a checking account and a couple of cards, and where it quietly falls short. Prices are current as of 2026 and linked at the bottom so you can verify them yourself.

Mint's appeal was never a beautiful interface. It was free, it connected to everything, and it put all your accounts on one screen. Any replacement has to answer three questions before it earns a spot on your phone:

• What does it cost? Several of the best Mint replacements dropped the free tier entirely. If you are coming from a free product, that is the first shock.
• How much does it do for you versus just showing you? A dashboard reports the past. The useful tools change what happens next: they flag a leak before the month ends or cancel the charge for you.
• How much upkeep does it demand? Manual entry and weekly recategorizing are why most people abandon a budget by spring. The less it asks of you, the more likely you still use it in June.

Monarch is where most ex-Mint users land, and for good reason. It rebuilds the Mint experience with net worth, budgets, custom categories, and shared household views, all done cleanly. The catch is there is no free plan anymore, just a trial before $14.99 a month or $99.99 a year. You are paying for a genuinely nice place to look at your numbers.

Copilot is the design lover's pick. Fast, gorgeous, and unusually good at auto-categorizing transactions, but it is Apple-only and runs about $95 a year. If you live on an iPhone and want budgeting to feel premium, nothing here beats it. On Android it is simply not an option.

Rocket Money is less a budget than a leak-plugger. Its reason to exist is spotting recurring charges you forgot about and canceling them, plus negotiating bills on your behalf. The free tier is useful on its own. Just know the bill negotiation takes a 30 to 60 percent cut of whatever it saves you, and the best features sit behind the premium tier.

YNAB (You Need A Budget) is the most opinionated tool here and the least Mint-like. It runs on zero-based budgeting: every dollar gets a job before you spend it. It genuinely rewires how people handle money, but it demands real effort and costs $109 a year with no permanent free tier. If you want a system and will work it, YNAB is the best system on this list.

Empower (formerly Personal Capital) is free and the strongest free option for one specific job: tracking net worth and investments. It is aimed at people with portfolios, and yes, they may pitch their wealth-management service. As a free tracker it is excellent. As a day-to-day spending budget it is thin.

Here is the pattern every tool above runs into: the average budgeting app is installed, used hard for two weeks, and then forgotten. Mint had the same problem. The dashboard was never the hard part. Remembering to go look at it was. That is the exact gap Flip is built for.

Flip is a money assistant you text, in the same iMessage or SMS thread where you already talk to everyone else. You connect your bank accounts, cards, brokerage, and email once, and then instead of opening an app you just ask: "what did I spend on takeout," "can I afford $400 this month," "what am I paying for that I never use." It answers across every account, and when you say the word, it acts - canceling a subscription or moving idle cash between your own accounts - always asking before it touches a dollar.

1. Want the closest thing to old Mint, all your accounts on one clean screen? Start a Monarch trial.
2. On an iPhone and design matters to you? Copilot.
3. Mainly bleeding money to subscriptions you forgot about? Rocket Money, or Flip if you would rather it find and cancel them for you in a text.
4. Want a strict system and will do the work? YNAB.
5. Mostly care about net worth and investments, and want it free? Empower.
6. Know you will not reliably open any app you download? That is exactly who Flip is for. Text it and let it come to you.