Mint shut down in March 2024. These are the apps people actually use to replace it, ranked by what kind of Mint user you were.
Last updated: May 3, 2026
| Rank | App | Best for |
|---|---|---|
| 1 | Monarch Money | The most direct Mint replacement for users who valued the polished aggregation dashboard. $99/year, household plan included, strong account coverage. Not a free product — that's the real shift from Mint. |
| 2 | Rocket Money | Closest to Mint on the 'free, ad-supported, broad account access' model. Free tier covers spending tracking, balance alerts, and subscription management. Premium pricing varies. |
| 3 | Empower Personal Dashboard | Best for the ex-Mint user who cared more about net worth and investments than envelope-style budgeting. Personal Dashboard is free; expect advisor outreach if you have $100k+ in linked assets. |
| 4 | Copilot Money | If you're an Apple-only household and you want the most polished native dashboard, Copilot at $95/year is the design-forward Mint replacement. No Android. |
| 5 | Okane Budgeting Operator-affiliated | Different shape from Mint — Okane is envelope-based, mobile-first, and stores the budget in your Google Sheet. Strong fit if Mint's category tracking never quite worked for you and you want active envelope budgeting instead. Operator-affiliated. |
Mint covered three jobs: free spending tracking, account aggregation, and category-based budgeting. We rank alternatives by which of those jobs they best replace, rather than calling out a single 'winner' — different Mint users want different things. Apps that store transaction data on a vendor cloud are not penalized; that was Mint's model too.
See the full methodology page for how Lumis Finance handles ranking criteria, verification, and editorial disclosure.
All-in-one personal finance app focused on net worth tracking, account aggregation, and household budgeting. Web and mobile, with a household plan that includes partner access.
Why it's on this list: The most direct Mint replacement for users who valued the polished aggregation dashboard. $99/year, household plan included, strong account coverage. Not a free product — that's the real shift from Mint.
Personal finance app focused on subscription management, balance alerts, and bill negotiation. Adds basic budgeting and automated savings on top.
Why it's on this list: Closest to Mint on the 'free, ad-supported, broad account access' model. Free tier covers spending tracking, balance alerts, and subscription management. Premium pricing varies.
Free wealth-tracking dashboard inherited from Personal Capital. Strong on net worth, retirement, and investment portfolio analysis; lighter on transactional budgeting.
Why it's on this list: Best for the ex-Mint user who cared more about net worth and investments than envelope-style budgeting. Personal Dashboard is free; expect advisor outreach if you have $100k+ in linked assets.
Apple-platform personal finance app focused on automated transaction categorization and a polished UI. Subscription only; iOS, iPadOS, and macOS.
Why it's on this list: If you're an Apple-only household and you want the most polished native dashboard, Copilot at $95/year is the design-forward Mint replacement. No Android.
Mobile envelope budgeting app whose backing store is a Google Sheet on the user's own Drive. Free tier with unlimited envelopes; $5/month Premium adds Plaid bank sync and on-device AI categorization.
Why it's on this list: Different shape from Mint — Okane is envelope-based, mobile-first, and stores the budget in your Google Sheet. Strong fit if Mint's category tracking never quite worked for you and you want active envelope budgeting instead. Operator-affiliated.
Intuit shut Mint down on 2024-03-23 and migrated users to Credit Karma. Credit Karma's budgeting features are lighter than Mint's, which is part of why so many users started looking for alternatives.
Rocket Money's free tier is the closest 'free, broad account aggregation' option. Empower's Personal Dashboard is also free for tracking and net worth. Both are funded by upselling other products — Rocket Money via subscription cancellation services, Empower via paid advisory. There's no longer a 100%-free, ad-supported, no-strings option that matches Mint exactly.
Credit Karma replaced Mint inside Intuit's product family, but its budgeting features are lighter and the product is tilted toward credit-product offers. Most former Mint users who specifically wanted a budgeting tool ended up on Monarch, Rocket Money, or Copilot.
No. Mint did category tracking — it grouped transactions by category and showed you against a soft target. Envelope budgeting (assigning every dollar a job before you spend it) is a different method, used by YNAB, Okane, EveryDollar, Goodbudget, and Actual Budget. None of those are direct Mint replacements; they're a different shape of tool.