Best Mint Alternatives in 2026

Monarch Core is the best Mint alternative in 2026, at $99.99 a year as of September 24, 2026. Mint's site says the app has been reimagined on Credit Karma, a free App Store download. Copilot Money is $95 a year on Apple and the web. Quicken Simplifi is the cheap first year, and that promo runs through October 23, 2026.

A Mint alternative is an app that puts linked accounts, spending categories, and net worth on one screen after that move. Financeradar data: the fresh savings average on our rate tracker is 3.71% across 21 accounts stamped in the last 14 days, as of September 23, 2026, which is 3.33 points above the 0.38% FDIC national savings average from August 17, 2026. At 3.71%, about $2,695 earns a year of interest within a cent of the annual Core bill if that rate holds, so a household already holding about that balance can cover Core from interest. The same bill takes about $26,313 at the FDIC average, which is how large ordinary savings must be before the fee pays for itself.

On September 24, 2026, each price in the table was taken from that company's own site.

The four tools already in our catalog have a separate net-worth comparison in Empower vs Monarch vs Copilot vs Kubera. Here the question is narrower: which app replaces the Mint screen, and what a year costs next to cash earning the fresh savings average. The broader catalog average sits on the high-yield savings statistics: 3.54% across 35 accounts as of September 23, 2026, on 34 with a published rate. That catalog figure is lower because it keeps older stamps the rate tracker drops.

What Mint's site still lists

Mint's site says the product has been reimagined on Credit Karma, and the page still lists linked accounts from more than 17,000 financial institutions, connected transactions, spending by category, monthly insights, and net worth. No subscription price appears there. The old job is a free screen, and there is no plan price to compare before you download.

The US App Store listing prices Intuit Credit Karma at free, in USD, and the description covers monthly spending, automatic categories, credit-score alerts, and personalized credit card and loan offers. Credit Karma Plus is a gradual rollout for paying subscribers, covering identity protection, personal-data removal, bill lowering, and expert tax help. That listing publishes no Plus price, so you cannot compare the paid tier with Core until the offer appears.

The free download keeps a spending view and a credit score, the part of Mint that watched money after it moved. A budget you set before the month, with a dollar cap per category, is what these two public pages leave out.

1. Monarch, the paid screen closest to the old Mint job

Core is the plan that puts the budget back for a household that wants the month planned before the first swipe, the piece Credit Karma's public pages leave off. On the pricing page, Core works out to $8.33 a month when the annual bill is paid up front, or $14.99 a month on the monthly toggle. Both open with a 7-day trial that requires a payment method, and the charge starts if you do not cancel in settings before the week ends.

Plus costs $16.67 a month only as a $199.99 annual charge, with the same trial rule, and there is no monthly way to buy it. Core includes a complete net worth, a budget, custom reports, and savings and debt goals. Pay for Plus only if you need the retirement forecast, business income and expenses, profit-and-loss reports, tax-prep exports, advanced investment analysis, or a will.

There are no ads, and Monarch does not sell financial data, which is the trade against a free app that recommends cards. The terms say fees are generally non-refundable, the trial must be stopped or the paid plan bills, and the fee can change at the next term with notice. An admin's added members can see the account's personal information, with no setting that hides it, so keep a roommate's private balance off the share, and one Core price covers the whole household. A full year on the monthly toggle totals $179.88, which is $79.89 more than the annual Core bill, the cost of being able to stop any month.

2. Credit Karma, the free home Intuit actually points to

The free download is the official landing spot, and the month-ahead cap is the missing piece. Stay if you wanted the score and a spending history, and skip the paid rows below. Move to Core if the month has to be planned before the first swipe. The listing leads with personalized credit cards, loans, and insurance comparisons, so the free screen is also a marketplace: useful for a card bonus, and a weak fit if you left an ad-supported budget because of the ads.

3. Copilot Money, the Apple budget with no credit score

Copilot is the premium stand-in for an Apple household. The homepage puts $7.92 a month beside a $95 yearly price, or $13 if you pay month to month. New users get one month free, longer than Monarch's trial. The FAQ says that month ends for good, the product runs no ads, and it does not sell financial data. A year of monthly payments is $156, which is $61 more than the yearly bill, so monthly only makes sense if you might leave early.

Copilot Intelligence tags transactions and gets sharper when you correct them, which helps if Mint's categories were noisy. Money Assistant, still in beta, answers from your own books, such as last month's restaurants. The FAQ also says the app skips the credit score and skips tax filing, and it is not a bank, so pair it with Credit Karma or Rocket Money if you still want the score Mint showed.

Links cover 10,000+ US institutions, including Venmo, Apple Card, and Coinbase, and a bank outside the US is out. The apps are the web, Mac, iPad, and iPhone, and Android is not offered, which is when PocketGuard is the closer Mint-shaped pick. Copilot Money, Inc. has operated since 2019 and is not Microsoft's assistant of the same first name.

4. Quicken Simplifi, the first-year promo with a renewal catch

The first-year sticker is why Simplifi belongs on a Mint shortlist. The product page shows $3.99 a month against a $6.99 a month regular rate, both in USD and both billed annually, and only the lower sticker covers the opening year. A footnote restricts that price to new memberships bought from Quicken itself, and the window closes at 11:59 PT on October 23, 2026. The annual charge may not equal the monthly figure times 12, renewal uses whatever the rate is then, and year two, or any order after that October deadline, is when the regular rate applies.

Income for the month is the starting point, bills and subscriptions come off next, and what remains is a per-day number, including savings goals you do not want spent by mistake. That shape is close to the spending plan Mint users remember. Some purchases can sit outside the month, one other person can share the space, and connections reach over 14,000 institutions. The promo is what makes the first year cheaper than Core, and the published end date is the catch.

5. Rocket Money, the free budget that stops at three categories

Rocket Money's pricing article, dated January 19, 2026, is the free budget with a hard ceiling. It lists a $0 plan, Premium in a pay-what-you-think-is-fair band of $7 to $14 a month that can change, and Premium+ at $15 a month. A seven-day trial covers Premium before the first paid month. The US App Store lists the app itself as a free download, in USD.

The free plan includes linked accounts, up to three category budgets, a credit score, and subscription tracking. Real-time sync, net worth, a partner share, and cancellation by their team stay off until Premium, which also lifts the category cap. Premium+ adds Rowan, an assistant you can text about your spending, and it waives the negotiation fee. Net worth is a Premium feature in that article, even though the store listing mentions it without a tier.

You pay the negotiation fee only when it works. The charge is a slice of the first year's savings, anywhere from 35% up to 60%, and then you keep the lower bill. On a $20 monthly cut, the first-year saving is $240, so the fee is $84 at the low end and $144 at the high end. A year of Premium+ is $180, and on that small cut the subscription that waives the fee costs more than the high end of the fee. Rocket Money fits forgotten recurring charges and a free credit score. A full category budget waits until you leave the three-category cap.

6. PocketGuard, the leftover number with an Android app

PocketGuard is the Android path to one safe-to-spend number after bills, closer to Mint's after-the-fact view than to a plan you write first. The pricing page opens on $6.25 a month when the bill is $74.99 for the year, in USD, and calls that an $81 saving versus monthly. It also lists $12.99 a month and a lifetime plan at $149.99, though only some customers see the lifetime offer, so ignore that buyout until it shows up for you.

The 7-day trial renews unless you cancel at least 24 hours before the period ends, so the last morning can still bill you. Twelve months at the monthly price total $155.88, which is $80.89 more than the annual bill. You get a Leftover figure or a custom strategy, unlimited category budgets, rollover, subscription tracking, goals, a debt payoff plan, and bills, on the web, iPhone, Apple Watch, and Android. Skip it when you wanted every dollar assigned before the month started.

7. YNAB, the method Mint never asked you to follow

YNAB is a weak copy of Mint and a strong replacement if you will change the habit, because you give every dollar a job before you spend it. The pricing page bills $109 a year in USD. Spread across the year that is $9.08 a month, and skipping the annual bill means $14.99 a month, plus tax where it applies. The page labels that annual gap as $70 in savings.

Sign up on YNAB's own site and the trial is 34 days with no card, though an app store can still demand one before that trial starts. Show proof of enrollment and a college student gets 365 days before the paid plan begins. Up to six people can share the subscription, and the plan is locked to one currency, so a household that spends in two currencies should skip it. Banks on the select US, Canadian, UK, and EU list can use direct import, and everyone else can bring a file.

YNAB's own average says new users save $600 in month one and more than $6,000 once a year has passed, which is the company's claim, not a guarantee. A year on the monthly plan lands on the same $179.88 as monthly Core, $70.88 more than the annual bill, and there is no permanent free plan. Use it when the household will plan the month, and use Core or Copilot when you want categories filled from transactions that already posted.

8. Empower, the free dashboard with an advice fee waiting

Empower is the free screen that looks like Mint's account list, and the catch is the advice contract behind it. The tools page prices that dashboard as "Nothing!" Budgeting, cash flow, categorized transactions, retirement scenarios, and net worth cost nothing to set up. Real people answer money questions on that page, so a category problem after hours waits for an advisor.

Paid advice lives on Personal Strategy: you need $100,000 before investment services will take the account, and from that floor through $249,999 the advisory fee is 0.89%, which comes to $890 a year before ETF expense ratios. Turn down the managed account and the dashboard stays free, while wealth management opens at $250,000 and holds the same rate through $999,999. Empower fits a household that wants every account on one screen and will budget somewhere else.

The founder letter says Kubera neither budgets nor gives advice, so it cannot stand in for the Mint spending screen. Essentials stays $250 a year from $250,000 up to $2.5 billion, and only trusts and holding companies push it to $2,500 a year. Compare the cash itself in the savings guide and the savings ranking. The longer dataset is the September rate index and the savings statistics report, and CD rates sit beside the fresh CD average on the rate tracker, 4.06% across 9 CDs.

What skipping the annual bill costs

A monthly toggle, a promo that expires, or an advice contract changes the twelve-month bill. The comparison freezes the fresh savings average and leaves tax out, and the result is the price of the software.

How we ranked

Eight apps are on this list because each one was checked against the company's own pages on September 24, 2026, and Kubera's founder letter was included so a balance sheet would not be scored as a budget. Sources were Mint's landing page, Credit Karma's US App Store listing, Monarch's pricing page and terms, and Copilot's homepage and FAQ. The others were Quicken Simplifi's product page, Rocket Money's January 19, 2026 pricing article and US App Store listing, PocketGuard's pricing page, YNAB's pricing page, and Empower's tools and Personal Strategy pages. The fresh savings average is the figure our rate tracker showed that day, with a newest stamp of September 23, 2026.

Rank follows fit for someone who wants the old Mint screen, meaning accounts, categories, and a budget, plus a price they can see for the year. Paid placement did not move any row, and nobody writing this ranking opened an account or linked a bank.

Louis Corneloup, founder of Financeradar and Dupple, editorially reviewed which apps can stand in for Mint. This page is general information, not personalized financial advice for your own accounts. A link here may earn Financeradar a commission, and that payment never changes an app's place on the list (how we make money).

FAQ

What is the best Mint alternative in 2026?

Monarch Core, at $99.99 a year as of September 24, 2026, or $14.99 a month, is the closest paid replacement because the entry plan includes net worth, a budget, custom reports, and savings and debt goals. Credit Karma is the free download Intuit points to. Its public pages describe spending history and a credit score, and they leave off a category cap you set first. Copilot Money, at $95 a year, fits Apple and the web, with no Android app and no credit score.

What replaced Mint?

Mint's own site says the app has been reimagined on Credit Karma, Intuit's official home for the old product. That page lists accounts from more than 17,000 institutions, plus transactions, spending by category, monthly insights, and net worth, with no subscription listed. The US App Store lists the download as free and describes Credit Karma Plus as a paid rollout whose price is not printed there.

How much does a Mint alternative cost over a full year?

On September 24, 2026, Credit Karma's download is free and Empower's dashboard has no subscription. The cheapest paid year is Simplifi's opening promo at $3.99 a month billed annually, against a $6.99 regular rate, then PocketGuard at $74.99 a year. Copilot's yearly bill and Core's annual bill sit above those, and YNAB is $109 a year. Staying a full year on monthly billing costs more: twelve months of monthly Core or monthly YNAB is $179.88, twelve months of monthly Copilot is $156, and twelve months of monthly PocketGuard is $155.88.

Is the free Credit Karma download a real Mint replacement?

The US App Store price is free, in USD, and Mint's site sends the old features there without a subscription price. Credit Karma Plus, still without a printed price, is the paid rollout for identity protection, data removal, bill lowering, and expert tax help. The free description covers spending categories, credit-score alerts, and card and loan offers, but not a category budget with a dollar cap, which is why a paid app such as Core exists.

Is Monarch or Copilot Money closer to the old Mint app?

Monarch is the closer household replacement, because Core puts a budget, net worth, reports, and goals on one price and other members can see the account. Copilot is closer on an iPhone, an iPad, a Mac, or in the browser when you want transactions tagged for you, though Money Assistant is still marked beta. Copilot's monthly plan is $13, its trial is one month, and it does not track a credit score, while Monarch's trial is 7 days with a card on file. Monarch Plus, at $199.99 a year, holds the forecast, business books, and the will, so skip it if the household budget was the only goal.

Does Quicken Simplifi keep the intro price after year one?

No. Year two bills the then-current rate, not the promo. The opening price is $3.99 a month, billed annually, set against a regular rate of $6.99 a month, and only a new membership ordered directly from Quicken qualifies. The deadline is 11:59 PT on October 23, 2026, the annual charge may not equal the monthly figure times 12, and one other person can share the space. Order after that date and the promo is gone.

Can YNAB replace Mint if you want the old screen back?

It replaces the tracking only if you accept a different habit. YNAB costs $109 a year, or the monthly price, and you assign every dollar before you spend, on one currency, for up to six people. A signup on YNAB's site includes 34 days free with no card. The company's own average is $600 saved during the first month and more than $6,000 once the year is done. Pick YNAB to plan the month, and pick Core or Copilot if you want categories filled from transactions that already posted.

Does Empower count as a Mint alternative in 2026?

It includes free budgeting, cash flow, and net worth, so the screen can stand in for Mint's account list, and the tools page still answers with nothing for that dashboard. Advice is optional and begins once assets reach a $100,000 minimum, at 0.89%, which works out to $890 a year at the minimum, and declining it keeps the dashboard. The founder letter describes Kubera, priced at $250 a year, as a balance sheet that does not budget. Use Core, Copilot, or YNAB when you need the plan, and use Empower when the goal is every account on one free screen.

Cite this: Financeradar, "Best Mint Alternatives in 2026", September 2026.