The Best Mint Alternatives in 2026 (After Mint Shut Down)
Mint Is Gone. The Search for a Replacement Continues.
Intuit shut Mint down on March 23, 2024. Twenty-something years and 3.6 million users were unceremoniously rolled into Credit Karma, which is technically a Mint successor in the same way a parking ticket is technically mail.
If you’re still searching for a Mint alternative in 2026, you’re in good company — and probably a bit frustrated. The honest reason is that no single replacement does everything Mint did (budgeting + net worth + bills + credit score + investments) for free. The free-and-everything model died with Mint. The new landscape splits into three camps:
- Budgeting-first apps — focused on planning your spending (YNAB, Quicken Simplifi, Copilot Money)
- Aggregation dashboards — see all accounts and balances in one place (Monarch Money, Empower, Credit Karma)
- Net worth and portfolio trackers — focused on what you own and how it’s performing (TrackMyStack)
Pick the camp that matches your actual problem. A Mint alternative that’s perfect for a budgeter is a bad fit for someone tracking $400k of investments, and vice versa.
This guide covers the seven legitimate Mint alternatives that have survived the post-Mint shake-up — what each one does well, what it costs, and who it’s actually for.
Quick Comparison
| App | Price | Free tier | Best for |
|---|---|---|---|
| TrackMyStack | Free / $30 yr Premium | Yes, fully featured | Net worth & portfolio tracking, privacy-first |
| Monarch Money | $99.99/year | No (7-day trial) | All-in-one budgeting + net worth |
| YNAB | $109/year | No (34-day trial) | Serious zero-based budgeting |
| Empower (Personal Capital) | Free | Yes | Investment-heavy net worth, US only |
| Copilot Money | $95/year | No (demo + trial) | Apple-ecosystem users in the US |
| Quicken Simplifi | ~$3-4/month | No (trial) | Simple budgeting and bills |
| Credit Karma | Free | Yes | Credit monitoring (net worth is a side feature) |
1. TrackMyStack — Best for Net Worth & Portfolio Tracking
TrackMyStack is the closest thing on this list to “Mint, but private and built for what you own.” It’s a net worth and portfolio tracker that works without linking any bank or brokerage accounts. You add your assets — stocks, ETFs, crypto, cash, real estate, loans, gold — and prices for supported holdings update automatically.
Mint’s biggest weakness was its US-centric, link-everything-to-Plaid model. TrackMyStack’s design choice goes the other way: nothing is linked, nothing is shared with a third-party aggregator, and your data stays on your device unless you opt into encrypted sync. There’s no sign-up. You open the app, add your first asset, and you’re tracking your net worth.
The free tier is fully functional — unlimited portfolios and assets, end-of-day prices, historical dividends, biometric protection, full data export, cross-device sync. Premium ($4/month or $30/year) adds real-time intraday prices, upcoming dividends, and a retirement-age estimator.
- Pricing: Free tier is permanent and fully featured. Premium $4/mo or $30/yr.
- Best for: Investors who want a complete net worth picture, real portfolio analytics (cost basis, performance, dividends, allocation, vitals), multi-currency support, and no banking credentials shared with anyone.
- Skip if: You primarily want budgeting and expense tracking — that’s not what TrackMyStack is for.
2. Monarch Money — Best All-in-One Replacement
Monarch is the most direct paid Mint replacement. It does aggregation, budgeting, net worth, goals, bills, and investment tracking — the same surface area Mint covered, but as a paid product instead of an ad-funded one.
Account aggregation works through standard providers (Plaid, MX, Finicity), so it covers most US and Canadian banks and brokerages. Outside North America, coverage thins out fast. The interface is genuinely well-designed, the budgeting tools are solid (two methodologies including a flex/category-based one), and you can add a partner to your subscription for free.
- Pricing: $99.99/year (Core) or $199.99/year (Plus, adds retirement forecasting, P&L for side businesses, advanced investment analysis). 7-day free trial. Payment method required upfront.
- Best for: US/Canada-based users who want a polished, paid Mint replacement and don’t mind a $100/year price tag.
- Skip if: You’re outside the US/Canada (limited coverage), or you want a free option, or your needs are mostly investment-focused (Monarch’s investment tracking is fine, but a dedicated portfolio tracker like TrackMyStack goes deeper).
3. YNAB — Best for Serious Budgeting
YNAB (“You Need A Budget”) doesn’t try to be Mint. It’s a zero-based budgeting app — every dollar gets a job before you spend it — and it’s the best one in the category by a comfortable margin. It has a real methodology, a learning curve, and a community that genuinely engages with both.
It’s not a Mint replacement so much as a better solution to the part of Mint people actually used: knowing what’s coming, planning what’s leaving, and making the numbers add up. Investment tracking and net worth are basic afterthoughts.
- Pricing: $109/year or $14.99/month. 34-day free trial, no credit card required if you sign up directly. Free for college students for 12 months.
- Best for: People whose Mint use was mostly “where did my money go” and want to fix that. The behavioural change pays for the subscription.
- Skip if: You wanted Mint primarily for net worth or investment tracking — YNAB is overkill and underbuilt for that.
For a deeper comparison, see YNAB vs TrackMyStack and YNAB vs Mint vs TrackMyStack.
4. Empower (formerly Personal Capital) — Best Free Net Worth Dashboard for US Investors
Empower’s Personal Dashboard is the best-known free Mint alternative for investment-heavy users — and the catch is right there in the marketing copy. The dashboard is genuinely free, links most US brokerages, and gives you reasonable net worth and investment views (asset allocation, fee analyser, retirement planner).
The business model is wealth management. If you have meaningful assets linked, expect calls from advisors. If you don’t want the calls, you’ll politely decline them — sometimes more than once. Empower is also US-only and doesn’t really work for non-US users.
- Pricing: Dashboard is free. Advisory services are AUM-based (typically starting around 0.89%) — a separate paid product you don’t have to use.
- Best for: US-based investors with significant assets who are comfortable with occasional advisor outreach in exchange for a free, polished dashboard.
- Skip if: You’re outside the US, you don’t want to be a sales lead, or you want to track non-traditional assets like crypto and real estate at a granular level.
5. Copilot Money — Best for the Apple Ecosystem
Copilot is the design-led, US-focused, paid Mint successor for people who live in Apple’s world. The Mac, iPhone, and iPad apps are native, fast, and visually pleasant. Categorisation is powered by ML and learns from your edits. It covers spending, budgets, bills, investments, and net worth in a clean, single product.
The catch: it’s effectively iOS-and-Mac only (no Android), US-only for bank linking, and there’s no real free tier — you get a “demo mode” to try the UI without connecting accounts, then a free trial, then $95/year.
- Pricing: $7.92/month billed yearly ($95/year), or monthly. Demo mode is free; you’ll need a paid subscription to actually use it with your data.
- Best for: US-based Apple users who want a beautiful, modern app and are happy to pay for it.
- Skip if: You use Android, you live outside the US, or you want a free option.
6. Quicken Simplifi — Best for Simple Budgeting and Bills
Simplifi is Quicken’s cloud-only, mobile-first answer to Mint — without the desktop-Quicken legacy. It’s focused on spending plans, bill tracking, savings goals, and a “what’s left to spend this month” view. It does net worth and basic investment balances, but the centre of gravity is monthly cash flow.
Pricing has been promotional for a while; the typical rate works out to roughly $3-4/month when billed annually, so it’s noticeably cheaper than Monarch or YNAB. There’s a free trial but no free tier.
- Pricing: Around $3-4/month billed annually (varies with promotions; check the Quicken site for current pricing). Trial available.
- Best for: Users who want a lightweight, affordable budgeting app and are happy to ignore the deeper investment side.
- Skip if: You want serious investment or net worth analytics, or you live outside the US.
7. Credit Karma — Mint’s Official “Successor”
When Mint was shut down, Intuit migrated users to Credit Karma. The mapping is awkward: Credit Karma is a credit-monitoring and lending-marketplace product, and Net Worth and budgeting features are bolted onto the side. It’s free because the business model is referring you to credit cards and loans.
If you came from Mint mostly for the credit score and basic balance overview, Credit Karma covers it. If you came from Mint for budgeting, investment tracking, or net worth detail, Credit Karma is a downgrade and you should be elsewhere on this list.
- Pricing: Free (ad-supported / lead-gen-supported).
- Best for: Free credit monitoring with a side of basic balance aggregation.
- Skip if: You want a serious budgeting tool, real investment tracking, or a privacy-friendly experience.
How to Pick the Right Mint Alternative
Match the app to the question you actually want answered:
- “Where did my money go this month?” → YNAB (best methodology) or Quicken Simplifi (lighter and cheaper).
- “Show me everything in one place like Mint did.” → Monarch Money if you’ll pay; Credit Karma if you won’t.
- “How am I doing? What’s my net worth and how are my investments performing?” → TrackMyStack for privacy-first international users, Empower for US-based investors comfortable with advisor calls.
- “I’m an Apple person and I want it to feel like an Apple app.” → Copilot Money.
- “I want it free.” → TrackMyStack (free tier is fully usable), Empower (US-only, expect sales calls), or Credit Karma (limited net worth/budget features).
A common combination: pair a budgeting app (YNAB or Simplifi) with a net worth tracker (TrackMyStack). You get the best of both — Mint’s two strongest features delivered by tools that each take their job seriously — usually for less than $140/year combined.
Frequently Asked Questions
Is Mint still available? No. Intuit shut Mint down on March 23, 2024. Existing users were migrated to Credit Karma, which has very different priorities and feature set.
What is the best free Mint alternative? For net worth and portfolio tracking, TrackMyStack — its free tier is fully featured (unlimited portfolios and assets, end-of-day prices, historical dividends, full data export). For US-based investors, Empower’s dashboard is also free, with the trade-off that you become a wealth-management lead.
What is the best paid Mint replacement? Monarch Money is the most direct paid replacement — it covers budgeting, aggregation, net worth, and goals in one app. YNAB is the best paid choice if your priority is budgeting specifically. Copilot Money is the best paid option for Apple-only US users.
Can I get Mint’s old features back somewhere? Not in one app. The free, do-everything model Mint used isn’t economically viable post-Plaid-pricing. Every modern alternative either charges a subscription, sells your data, or focuses on a narrower problem. The cleanest path is to pick the one or two features that actually mattered to you and choose an app that does them well.
What is the best Mint alternative outside the US? TrackMyStack works internationally with multi-currency support and no dependence on US-only bank-linking infrastructure. Monarch and YNAB work globally for manual entry and budgeting, but their bank-link integrations are limited to North America. Most other Mint alternatives (Empower, Copilot, Simplifi, Credit Karma) are effectively US-only.
Do I have to link my bank accounts to use a Mint alternative? Not always. TrackMyStack doesn’t link to banks at all — you add holdings manually and prices update automatically for supported assets. YNAB, Monarch, Copilot, Empower, and Simplifi all rely on bank-linking aggregators (Plaid, MX, Finicity). If sharing bank credentials with a third-party aggregator is a dealbreaker for you, the privacy-first net worth tracker route is the cleanest option.
Is Credit Karma the same as Mint? No. Intuit owns both, and migrated Mint users to Credit Karma after the shutdown — but Credit Karma is fundamentally a credit-monitoring and lending-marketplace product. Its budgeting and net worth features are far less developed than Mint’s were.
Which is cheaper, Monarch or YNAB? Monarch’s Core plan is $99.99/year; YNAB is $109/year. Both are paid-only with short free trials. TrackMyStack’s free tier and $30/year Premium are dramatically cheaper than either if your needs centre on net worth and portfolio tracking.