Best Mint Alternatives for Budgeting and Tracking Your Money
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Mint was one of the most popular budgeting apps for years. People are still searching for the best Mint alternatives because it made tracking spending and accounts in one place so easy.
When Mint shut down, many longtime users had to find a new budgeting app. Some wanted something that felt as close to Mint as possible. Others were open to trying a different approach if it helped them stay on top of their money.
The good news is that there are several solid options available today. Some focus on automatic tracking, others are better for hands-on budgeting, and a few keep things simple if all you want is a clear view of your spending and net worth.
If you’re trying to replace Mint, the apps below are a good place to start.
What Are the Best Mint Alternatives?
Several budgeting apps can replace Mint depending on how you manage your money. Popular options include Monarch Money, Quicken Simplifi, YNAB, Copilot Money, Lunch Money, PocketGuard, and FreeBudget.
Some apps focus on automatic expense tracking across multiple accounts. Others provide more structured budgeting tools or simple dashboards that help you monitor spending and financial progress.
The right choice depends on how you prefer to track spending and organize your budget.
Quick Comparison of the Best Mint Alternatives
| App | Best For | Free Version | Starting Price | Platforms |
|---|---|---|---|---|
| Monarch Money | Overall budgeting and account tracking | No | $14.99/month or $99/year | iOS, Android, Web |
| Quicken Simplifi | Automated budgeting | No | $2.99/month (billed as $35.88 annually) | iOS, Android, Web |
| YNAB | Zero-based budgeting | No | $14.99/month or $109/year | iOS, Android, Web |
| Copilot Money | Apple Users | No | $13/month or $95/year | iOS, Mac |
| Lunch Money | Customizable budgeting | No | Pay-what-you-want pricing | iOS, Android, Web |
| PocketGuard | Spending awareness | Limited | $12.99/month or $74.99/year | iOS, Android |
| FreeBudget | Completely free budgeting | Yes | Free | Web |
If you want a broader look at what’s out there, our guide to Best Budgeting Apps For Families covers more options and budgeting styles.
Monarch Money
Monarch Money is one of the strongest all-in-one budgeting platforms available right now. It connects to your financial accounts and tracks spending, balances, and progress over time.
The dashboard gives you a clear view of your money, including budgets, upcoming bills, and longer-term goals. It also includes tools for tracking investments and net worth.
Many households will also appreciate that Monarch supports shared accounts, making it easier for couples to manage money together.
Best for: People who want an all-in-one budgeting dashboard.
If you want a deeper look at the platform, read our full Monarch Money review.
Quicken Simplifi
Quicken Simplifi leans into automation and ease of use.
The app tracks your income, bills, and recurring expenses so you can see what money is available after upcoming obligations.
Simplifi makes sense for people who want a budgeting app that runs quietly in the background, with minimal manual upkeep.
Best for: People who want automated budgeting and spending insights.
For a deeper breakdown of its features, read our Quicken Simplifi review.
YNAB
YNAB, short for You Need A Budget, takes a more hands-on approach to money management.
The platform uses a zero-based budgeting system where every dollar is assigned a job. Instead of just tracking spending after the fact, the goal is to plan ahead and give your money a purpose.
A lot of people like the structure this creates, especially if they want to be more intentional about spending and saving. If that approach sounds appealing, it helps to understand different types of budgets before choosing an app.
Best for: People who want a structured budgeting method.
Copilot Money
Copilot Money is built mainly for Apple users.
The app automatically categorizes transactions and turns spending data into clean charts and visual reports. The interface feels polished and simple to navigate, which is part of its appeal.
Because the platform is centered on the Apple ecosystem, it makes the most sense for people who mainly use iPhones and Macs.
Best for: Apple users who want a clean, automated budgeting app.
Lunch Money
Lunch Money is a flexible budgeting tool for people who want more control over how they organize their finances.
You can customize categories, create rules to sort transactions automatically, and track recurring expenses. It also supports shared budgets, which makes it useful for couples or households managing money together.
Lunch Money also supports multiple currencies and offers strong reporting tools if you like digging into spending trends.
Best for: People who want a highly customizable budgeting platform.
For a closer look at how the tool works, see our Lunch Money review.
PocketGuard
PocketGuard is built around a simple question: how much money do you actually have left to spend?
After accounting for income, bills, and savings goals, the app estimates what remains. That makes it useful for people who want a quick read on their finances without setting up a more detailed budgeting system.
It can also be a good fit for people trying to spend with more intention through values-based budgeting.
Best for: People who want quick insight into available spending money.
FreeBudget
FreeBudget is a browser-based budgeting platform that keeps things simple.
You can track income, spending, and net worth from a straightforward dashboard without ads or subscription fees.
The platform allows both manual transaction entry and optional bank syncing for automatic updates.
Best for: People who want a free budgeting tool that covers the basics.
If you’re curious about how the platform works, read our full FreeBudget review.
How to Choose a Mint Replacement
The right replacement depends on how you prefer to manage your finances.
If you want a budgeting app that automatically tracks transactions across multiple accounts, look for a platform with solid account syncing and automatic categorization.
If you prefer more structure, a tool like YNAB or Lunch Money may be a better fit because both let you build and manage your budget more actively.
Some people simply want a dashboard that helps them monitor spending and track progress over time. Others may benefit from learning how to create a family budget before settling on an app.
Are Budgeting Apps Worth Paying For?
Budgeting apps can make it easier to track spending across multiple accounts and stay organized.
They can also reveal patterns in your spending and show you where your money tends to drift. If that is one of your goals, building a plan around sinking funds can help you put those insights to work.
Still, the best budgeting system is the one you will actually use consistently.
Some people prefer automated apps that do most of the work. Others prefer a simpler framework, such as the 50/30/20 budget.
The goal is to find a system that fits your habits and makes managing your money easier.
Frequently Asked Questions
What is the best alternative to Mint?
Several budgeting apps offer similar tools for tracking spending and managing your finances, including Monarch Money, Quicken Simplifi, and YNAB.
Is there a free replacement for Mint?
FreeBudget offers a completely free budgeting platform, while some other apps provide free versions with limited features.
What budgeting app works well for couples?
Many budgeting apps support shared accounts, but Monarch Money and Lunch Money are especially useful for households that want to manage money together.
What replaced Mint?
Several budgeting apps stepped in after Mint shut down, including Monarch Money, Quicken Simplifi, and YNAB. Each offers tools for tracking spending, connecting financial accounts, and managing budgets.
