The Best Mint Alternatives in 2026, Compared Honestly

Intuit shut Mint down in early 2024 and pointed everyone at Credit Karma, which kept the credit score and dropped the budgets. Two and a half years later, ex-Mint users are still scattered across half a dozen replacements, and the usual "best alternatives" lists are ranked by whoever pays the highest affiliate commission. This one isn't — there are no affiliate links on this page, every price below was checked on the vendor's own site on August 12, 2026, and each app's trade-off is printed in the same column as everyone else's.

One disclosure before the table: FWF Ledger is ours — here's exactly where it fits and where it doesn't. It's in the comparison because leaving it out would be strange, it is not listed first, and its take below is at least as blunt about its gaps as anyone else's.

The comparison

Swipe the table sideways to see every column →

Prices checked August 12, 2026, on each vendor's own pricing or help pages. They change; if you catch one that's moved, tell us and we'll fix it.

App by app: who each one is for

Monarch — for people who want Mint back and will pay for it

Monarch is the straightest line from Mint: bank sync across what it says are 13,000+ institutions, budgets, net worth, custom reports, and a partner included at no extra charge. The catch is the bill — $99.99 a year for the Core plan ($14.99 if you pay monthly), a Plus tier at $199.99 a year for retirement forecasting and business tracking, no free tier at all, and a 7-day trial that wants a payment method up front.

YNAB — for people whose problem is overspending, not tracking

YNAB is not a Mint clone and doesn't try to be: it's a zero-based budgeting method where every dollar gets assigned a job before you spend it. It costs $109 a year or $14.99 a month after a 34-day trial with no card, one subscription covers up to six people, and college students get a free year. If you open a money app to check whether things went up or down, YNAB will feel like homework; if you need the discipline, the method is the entire point.

Rocket Money — for subscription hygiene, with a paywall in the middle

Rocket Money's free version lists your subscriptions and does basic budgeting and bill reminders. Most of what Mint did for free — net worth tracking, real-time account sync, unlimited budget categories — sits in Premium, which is priced on a sliding scale you choose at signup; its site doesn't publish the range. Its bill-negotiation service charges a success fee you also pick, between 35% and 60% of the first year's savings, per its own terms. We took a longer look in Rocket Money alternatives.

Empower — for investment-heavy households who can skip the pitch

Empower's Personal Dashboard is the only thing on this page that's genuinely free with full bank sync, and its investment and retirement analytics are the strongest here. Its own page answers "what does it cost?" with "Nothing!" — and the same page sells the reason why: the dashboard is the front door to Empower's wealth-management business, whose 1:1 advisory service starts at $250,000 in assets with fees calculated on assets under management. If your net worth lives mostly in brokerage accounts and you're comfortable that the free dashboard is also the advisory business's lead form, it's a strong deal. Budgeting is not where it shines.

Lunch Money — for engineers, expats, and spreadsheet people

Lunch Money is an indie app built by a tiny team, and it feels like it in the best way: web-first, fast, multicurrency done properly, CSV in and out, a developer API, and crypto accounts if you have them. It's $10 a month, or an annual plan where you literally set your own price ($100 is the suggested figure), with a 30-day trial and no card — and the price you join at is locked for life. There's no free tier, and mobile is a companion app rather than the main event.

FWF Ledger — for net worth and debt payoff, manual-first

Ours, so read this take knowing that. FWF Ledger's free tier is permanent, takes no card, and does the thing Mint was most often missed for: one screen that says whether everything is going up or down, plus the entire debt payoff planner — avalanche and snowball side by side, a projected debt-free date, debt-to-income, and credit utilization, the same math as our free debt payoff calculator with your accounts saved. Budgeting, bank sync (up to 10 accounts across 4 banks), household sharing for up to five, subscriptions, and reports are paid — current prices are on the pricing page.

Where it doesn't fit, plainly: there are no investment analytics by design — it tracks account balances, not holdings, so if you want portfolio X-rays, Empower above does that free. It's a web app you add to your home screen, not an App Store download. And on the free tier, you type your balances in yourself — about five seconds per account, but yourself.

FAQ

Is anything on this list actually free, like Mint was?

Three things, each with a string attached. Empower's dashboard is free and funded by its advisory business. Rocket Money's free version is real but thin — the Mint-like features are Premium. Our free tier is real and permanent but manual-first — bank sync is paid. Mint was funded by ads and financial-product offers, and that model went down with the ship; nothing today does everything Mint did for $0.

Can I bring my Mint data with me?

If you still have a Mint CSV export, most of these apps can take some form of it, but import quality varies and we didn't verify each vendor's importer today — check before you subscribe. FWF Ledger imports CSV on both tiers.

What if I just want a budget, not an app subscription?

Use our free 50/30/20 budget planner — it runs in your browser, no account, and exports to Excel. Pair it with the net worth tracker and you've rebuilt the two Mint screens most people opened, for nothing.

This article is general information, not personalized financial advice. We name competitors and print their prices only after checking each vendor's own site; for how we write and review these guides, see our about page.