YNAB vs Mint vs TrackMyStack: The 2026 Net Worth & Budgeting Guide
Three Apps Walk Into a Room…
One asks you to give every dollar a job. One used to aggregate all your accounts and then quietly died in 2024. The third just lets you track your net worth without asking for your email.
That’s the YNAB, Mint, and TrackMyStack situation in one sentence.
Mint shut down on March 23, 2024, and Intuit funnelled everyone into Credit Karma — which is a credit-monitoring product wearing Mint’s old jacket, not a real replacement for what Mint used to do. So if you’ve landed here looking for the “Mint vs YNAB” debate from 2021, the honest answer is: it’s now “YNAB vs the post-Mint void,” and a lot of people are still figuring out where to go.
This article covers what each app actually does in 2026, what the YNAB-vs-Mint comparison looked like back when both existed, and where TrackMyStack fits — which, spoiler, is “the privacy-first net worth tracker that doesn’t need your bank login.”
YNAB
YNAB stands for “You Need A Budget,” and the app has built an entire philosophy around four rules and a slightly evangelical user base. Give every dollar a job, embrace your true expenses, roll with the punches, age your money. It’s less of an app and more of a financial belief system, which is either reassuring or mildly cult-like depending on your tolerance for methodology.
What YNAB is genuinely good at: forward-looking budgeting. It’s not for tracking what you already spent — plenty of apps do that. It’s for deciding what your money is going to do before you spend it.
YNAB Features
- The YNAB Method: Zero-based budgeting where every dollar gets assigned to a category before it leaves your account
- Goals and targets: Set savings goals, debt payoff goals, and monthly funding targets
- Bank import: Connects to US and Canadian banks via Plaid (everyone else gets to import CSVs or type things in manually)
- Subscription sharing: Share your plan with up to five other people for the price of one subscription, which is a genuinely nice family-plan equivalent
- Reports: Spending, income vs expense, and net worth reports
- Multi-device sync: iOS, Android, web, Apple Watch
- Net worth tracking: Yes, it has it, but it’s a side dish next to the main budgeting course
- Loan and debt calculators: Built-in payoff projections
YNAB Pricing
- Annual — $109/year (works out to about $9.08/month)
- Monthly — $14.99/month
- 34-day free trial — no credit card required if you sign up directly through YNAB
That’s a price hike from a few years ago, when YNAB was around $84/year. Inflation hit budgeting apps too, apparently. There’s a college-student free year and a workplace benefit program, but for everyone else, $109/year is the bar.
YNAB: Pros and Cons
Pros:
- Best-in-class zero-based budgeting workflow
- Strong educational content and a real community around the method
- Family-friendly subscription sharing
- Net worth report is a nice bonus, not a marketing trick
- Excellent mobile and web apps
Cons:
- Bank import is meaningfully useful only in the US and Canada
- $109/year is steep if you only want to track net worth (you don’t need YNAB for that)
- Investment tracking is rudimentary — it tracks balances, not holdings, performance, or cost basis
- The methodology has a learning curve. If you don’t engage with it, you’re paying for a calendar with categories.
Who is YNAB for?
YNAB is for people who want to plan their spending, not just record it after the fact. If your problem is “where did all my money go this month,” YNAB will solve it. If your problem is “what’s my net worth and how is my portfolio performing,” YNAB is the wrong tool — even though it technically can show you a net worth number.
Mint (RIP, 2007–2024)
Worth covering because half the people reading this still have Mint in their muscle memory.
Mint launched in 2007, was acquired by Intuit in 2009, and for over a decade was the default “free app that pulls all your financial accounts into one place.” Bank accounts, credit cards, loans, investments, even property values via Zillow — Mint connected to almost everything (in the US and Canada, anyway). It tracked your spending, set budgets, monitored your credit score, and showed your net worth, all for free, paid for by ads and referral commissions.
On March 23, 2024, Intuit shut Mint down and pushed users toward Credit Karma. Credit Karma is owned by Intuit and has some net worth and cash-flow features, but it’s fundamentally a credit-monitoring and lending-marketplace product. The transition was widely regarded by Mint users as a downgrade — most lost features they relied on, and the migration tooling was patchy.
What people actually want from a “Mint replacement” in 2026
Based on roughly two years of post-shutdown Reddit threads, the wishlist is:
- All accounts in one place (banks, cards, investments, loans)
- Net worth at a glance
- Budgeting and spending categorisation
- Free, or at least cheap
- Doesn’t sell your data
That’s a tall order. The space has fragmented into three camps:
- Budgeting-first replacements — YNAB, Monarch, Quicken Simplifi
- Aggregation-first replacements — Empower (formerly Personal Capital), Copilot
- Net-worth-and-portfolio-first — TrackMyStack, plus a few investment-only trackers
No one tool replaced everything Mint did, mostly because “free aggregator paid for by ads and referrals” turned out to be a difficult business to run profitably without annoying your users. RIP.
TrackMyStack
TrackMyStack is a net worth and portfolio tracker that works without linking any financial accounts. You add your assets — stocks, ETFs, crypto, real estate, cash, loans, anything — and the app automatically updates prices for supported holdings. Everything stays on your device unless you explicitly enable encrypted sync.
No sign-up required. Open the app, start adding assets, you’re done. The whole “give us your email and a phone number to look at a pie chart” ritual is skipped entirely.
For ex-Mint users specifically, TrackMyStack covers the net worth piece of what Mint did — which, for a lot of people, was the part they actually used. It does not budget your monthly spending, and it does not connect to your bank to categorise transactions. That’s a deliberate choice, not a limitation we’re embarrassed about.
TrackMyStack Features
- Unlimited portfolios and assets on the free tier — not a 3-account demo
- Automatic price tracking for supported stocks, ETFs, and crypto (end-of-day on Free, real-time on Premium)
- Multi-currency portfolios — each portfolio can be in a different currency, including BTC and ETH if you enjoy denominating your net worth in something that moves 8% before lunch
- Historical dividend tracking on Free; upcoming dividends on Premium
- Allocation analysis — pie and list views across portfolios and asset classes, with a hide-amounts mode for shoulder-surfing protection
- Portfolio Vitals — alpha, beta, Sharpe ratio, standard deviation
- Performance over multiple time frames — 1W / 1M / 6M / YTD / 1Y / MAX
- Include/exclude portfolios from net worth — useful for watchlists, kids’ accounts, or “speculative bucket I don’t want to admit to”
- Portfolio ownership % for shared assets
- Portfolio tags for grouping by tax bucket, liquidity, or goal
- App lock with PIN and Face ID / fingerprint
- Cross-device sync via QR code, recovery email, or sync code
- Full data export — JSON or Excel, your data, your rules
- Native iOS, Android, and web apps
TrackMyStack Pricing
- Free — Unlimited portfolios and assets, end-of-day prices, historical dividends, import/export, biometric protection, syncing
- Premium — $4/month or $30/year. Adds real-time intraday prices, upcoming dividends, retirement age estimator, and priority support. 1-week trial.
Free is a real, fully-functional tier. You can run TrackMyStack for years on the free plan and never feel cornered into upgrading.
TrackMyStack: Pros and Cons
Pros:
- Free tier that’s genuinely usable, not crippled
- No sign-up, no email, no bank credentials shared with anyone
- Multi-currency portfolios including BTC/ETH denomination
- Real investment tracking — holdings, cost basis, performance, dividends, allocation
- Native apps on iOS, Android, and web
- Works internationally — not US/Canada-only
- Full export at any time, no lock-in
- Premium at $30/year is meaningfully cheaper than the budgeting-app tier
Cons:
- No bank or brokerage account aggregation — you add holdings yourself
- No budgeting or expense-tracking features (this is intentional)
- No advisor sharing or multi-user portfolios
Who is TrackMyStack for?
TrackMyStack is for individual investors who want a complete picture of their net worth and portfolio performance without handing their banking credentials to a third-party aggregator. It’s a particularly strong fit if:
- You’re an ex-Mint user who mainly cared about the net worth view
- You’re outside the US or Canada and tired of apps that pretend the rest of the world doesn’t exist
- You hold multiple currencies, or you actually want to see your wealth measured in BTC
- You already have your budgeting handled (or you genuinely don’t budget — no judgement)
- You don’t want to create yet another account just to look at your own numbers
TrackMyStack is the best choice for investors who want a private, no-signup net worth and portfolio tracker that works without linking financial accounts.
YNAB vs Mint vs TrackMyStack: Head-to-Head
| YNAB | Mint (discontinued 2024) | TrackMyStack | |
|---|---|---|---|
| Primary approach | Zero-based budgeting | Account aggregation + budgeting | Net worth & portfolio tracking, manual entry with auto prices |
| Status in 2026 | Active | Shut down March 2024 | Active |
| Price | $109/year or $14.99/mo | Was free (ad-supported) | Free (Premium: $30/year) |
| Free tier | No (34-day trial) | Was free | Yes, fully featured |
| Trial | 34 days | — | 1 week (Premium) |
| Account linking | Yes, US/Canada only | Yes, US/Canada only | No — privacy by design |
| Asset coverage | Bank balances; weak on holdings | Banks, cards, investments, loans, property | Stocks, ETFs, crypto, cash, real estate, loans, more |
| Investment tracking | Balances only | Basic | Holdings, cost basis, performance, dividends, vitals |
| Multi-currency | Single currency per budget | USD-centric | Yes (per-portfolio, including BTC/ETH) |
| Platforms | iOS, Android, Web, Apple Watch | iOS, Android, Web | iOS, Android, Web |
| Offline access | Limited | No | Yes |
| Privacy model | Plaid-based bank linking | Aggregator-based, ad-supported | No accounts linked, data on device |
| Sign-up required | Yes | Was yes | No |
| Works outside US/Canada | Manual entry only | Effectively no | Yes, fully |
The Bottom Line
These three apps are not really competing for the same user, and the comparison only makes sense because Mint left a hole that everyone is still trying to fill.
If your problem is “I don’t know where my money goes each month” — YNAB. The $109/year buys a method, a community, and an app that genuinely changes how you think about spending. Don’t pick YNAB if you only want net worth tracking; that’s like buying a treadmill to weigh yourself.
If your problem was “I miss Mint’s account aggregation” — that exact product no longer exists. The closest options are Monarch (paid), Empower (free, but it’s a lead-gen tool for advisors), or Copilot (US-only, paid). None are 1:1 replacements.
If your problem is “I want to see my complete net worth and how my portfolio is doing, without giving up my bank credentials and without paying $100+/year” — that’s TrackMyStack. Unlimited assets and portfolios on the free tier, multi-currency, native apps everywhere, and a Premium plan at $30/year for real-time prices and FIRE planning.
Here’s the simple test: do you need to plan your spending, or do you need to see your wealth? Plan → YNAB. See → TrackMyStack. And if you needed Mint? You’re going to need two apps now, and TrackMyStack is the cheaper half.
Frequently Asked Questions
Is Mint still available in 2026? No. Intuit shut Mint down on March 23, 2024 and migrated users to Credit Karma. Credit Karma is a credit-monitoring product, not a true replacement for Mint’s net worth and budgeting features.
What is the best free Mint alternative for tracking net worth? TrackMyStack. The free tier supports unlimited portfolios and assets, automatic end-of-day pricing for stocks, ETFs, and crypto, historical dividend tracking, allocation analysis, and full data export — without requiring an account or linking your banks.
Is YNAB worth $109 a year? If you actually use the YNAB method, most users save more than the subscription cost in the first month. If you only want net worth or portfolio tracking, YNAB is the wrong tool — its investment features are minimal.
Can TrackMyStack do budgeting like YNAB? No. TrackMyStack is a net worth and portfolio tracker, not a budgeting app. Many people use TrackMyStack alongside a separate budgeting tool, or skip the budgeting app entirely if they don’t need one.
Does TrackMyStack connect to my bank like Mint did? No, and that’s deliberate. You add your holdings manually, and the app automatically updates prices for supported assets. No banking credentials are shared with TrackMyStack or any third-party aggregator.
Which app works outside the US and Canada? TrackMyStack works fully internationally with multi-currency support. YNAB works internationally for budgeting but bank import only covers US and Canadian institutions. Mint never supported users outside the US and Canada and is no longer available anyway.