Mint Alternatives in 2026: 9 Apps That Replace Intuit Mint
Mint shut down in 2024 and ex-users still need a replacement. Here are the nine best Mint alternatives in 2026, compared on price, automation, privacy, and which type of user each one fits.
Intuit Mint was, for almost two decades, the default free personal finance app in the United States. When Intuit shut it down on March 23, 2024 and rolled the brand into Credit Karma, millions of long-time users were left looking for somewhere to move their categories, budgets, and spending history. If you arrived here in 2026 still searching for a replacement, this is the practical short list.
We picked these nine apps because they cover the actual reasons people used Mint in the first place: a free or low-cost way to see all accounts in one place, automatic categorization of transactions, simple budgets, and a spending history you can actually search. We have intentionally kept the list short. There are dozens of personal finance apps; most are not worth your time.
What former Mint users actually want from a replacement
Before comparing tools, it helps to be honest about what you used Mint for. Most people fall into one of three groups, and the right replacement is very different for each:
- Passive trackers — you wanted automatic transaction import, category suggestions, and end-of-month spending reports. You did not actively manage a strict budget.
- Active budgeters — you used Mint as the front door to a real budgeting workflow with envelopes, rollovers, or a strict zero-based plan.
- Net-worth watchers — you cared mostly about seeing all balances together, including investments and home equity, to track total net worth over time.
Pick a tool that matches your group. A heavyweight budgeting app like YNAB is overkill if you were a passive tracker, and a lightweight tracker like Monarch will frustrate you if you wanted strict envelope budgeting.
The 9 best Mint alternatives in 2026
1. MyVault — best privacy-first AI tracker
MyVault is the closest spiritual successor to old-Mint for users who liked passive tracking but never trusted Mint with bank credentials. Instead of asking for your bank login, MyVault parses PDF and CSV statements you upload manually, then uses AI to auto-categorize every transaction. Subscriptions, recurring charges, and unusual spending get flagged automatically, and a chat interface lets you ask questions like "how much did I spend at restaurants last quarter?" in natural language. There is a free tier and the paid plan is single-digit dollars per month.
Best for: ex-Mint users who never liked sharing bank credentials with Plaid and want AI-powered categorization with no aggregator in the middle.
2. Monarch Money — best feature-for-feature Mint replacement
Monarch was the most-recommended Mint replacement in late 2024 and early 2025, and it remains the best traditional aggregator-based tracker for users who do want bank-linked auto-import. It supports investments, net-worth tracking, manual categories, custom budgets, and shared household accounts. The interface is the cleanest in this category. The downside is the price — about $100 per year — and a heavy reliance on Plaid.
3. Copilot Money — best for iPhone-only users
Copilot is iOS-only and Mac-native, with a sleek interface, strong category suggestions, and useful subscription detection. It is fast, looks great, and is genuinely a pleasure to use day to day. If you live entirely on Apple devices and want to write fewer numbers down, Copilot is excellent. If you ever use Android or want a web dashboard for tax season, look elsewhere.
4. YNAB (You Need A Budget) — best for strict budgeters
YNAB is not a Mint replacement. It is a different tool with a different philosophy: every dollar of your income is given a job at the start of the month, and you stop spending in a category when its envelope is empty. People who switch from passive tracking to YNAB usually find it transformative, but it requires hands-on monthly attention. The price is around $109 per year. There is a 34-day free trial.
5. Empower (formerly Personal Capital) — best for net-worth tracking
Empower is free and excellent for tracking total net worth across investment, retirement, and bank accounts. It is owned by an investment-management company, so the experience nudges you toward their advisory service, but you can ignore the prompts. Spending categorization is weaker than dedicated trackers; budgets are minimal.
6. Quicken Simplifi — best for quick mobile budgets
Simplifi is Quicken's modern, mobile-first product. Setup is fast, categories are sensible, and the "watchlist" feature for tracking individual spending categories is useful. Costs about $48 per year, currently the cheapest of the polished traditional trackers.
7. PocketGuard — best for paycheck-to-paycheck users
PocketGuard's headline feature is "In My Pocket" — what you can spend after bills, savings, and goals. If your monthly cash flow is tight, that single number is more useful than a 30-category breakdown. Free tier with paid upgrades.
8. Rocket Money — best for cancelling subscriptions
Rocket Money (formerly Truebill) does basic budgeting but its real strength is finding and cancelling unused subscriptions on your behalf — they will negotiate or cancel for you for a small fee or revenue share. Worth having alongside another tracker, not as a primary one.
9. Tiller — best for spreadsheet lovers
Tiller imports your transactions into Google Sheets or Excel, then leaves the rest to you. If your real Mint replacement is your own spreadsheet, Tiller is the cleanest way to get the data flowing into it daily. Around $79 per year.
How they compare on price, privacy, and platform
On price, Empower is free, MyVault and PocketGuard have meaningful free tiers, and the rest are $4–$15 per month. On privacy, MyVault is the only one that does not require giving any third party your bank credentials — every other app uses Plaid, Finicity, or a similar aggregator. On platform, MyVault, Monarch, YNAB, and Empower work everywhere; Copilot is iOS-only.
On AI features, MyVault, Copilot, and Monarch lead. MyVault's chat interface is the only one that lets you ask plain-language questions about your spending; the others surface AI mostly behind category-suggestion engines.
Which one should you pick?
If you were a passive tracker on Mint and want the closest experience without sharing bank credentials, try MyVault. If you want auto-import and are comfortable using Plaid, Monarch is the safest mainstream pick.
If you were an active budgeter, your best bet is YNAB. Be prepared for the learning curve; people either love it or quit in week two.
If you were a net-worth watcher, Empower is the only one that handles investment accounts properly while staying free.
What to do with your old Mint data
If you exported your transaction history before Mint shut down, every app on this list can import a CSV. If you did not, your old account data is gone and you will have to start fresh. The good news: most apps will pull six to twenty-four months of history automatically the first time you connect (or, in MyVault's case, when you upload past statements).
Whichever you pick, give it a full month before judging it. Mint replaced itself in your habits over years; any new tool needs at least one full billing cycle before its category suggestions and rollover rules feel accurate.
Looking to actually try one? Start with MyVault for free — upload a recent bank statement and you will have a categorized view of your spending in under a minute. MyVault