Mint Alternative: What to Use Now That Mint Has Shut Down
Short answer: Mint shut down in March 2024, so a Mint alternative depends on which part of Mint you used. For automatic budgeting, reviewers point to Monarch Money, Quicken Simplifi and YNAB. For free net worth tracking, Empower. For a simple plan that checks your goals without linking accounts, a spreadsheet or a planner such as MoneyFrame. No single app matched everything Mint did, so choose by the feature you used most.
Key takeaways
- Mint closed in March 2024, and Intuit pointed users to Credit Karma. Reviewers found Credit Karma was not a like-for-like replacement.
- The main alternatives are bank-linked budgeting apps, most of them paid, plus free net worth tools.
- Pick by what you used: budgets, bill reminders, net worth, credit score or goals.
- A free route exists: a spreadsheet plus a net worth tracker covers most of Mint's value.
What did Mint do, and which part do you miss?
| If you used Mint for | Look at | Notes |
|---|---|---|
| Automatic budgets and spending | Monarch Money, Quicken Simplifi, YNAB | Paid subscriptions. YNAB is hands-on zero-based budgeting |
| Net worth and investments | Empower | Free tools, lighter budgeting |
| Envelope-style budgets | Goodbudget | Free and paid plans |
| Bill and subscription tracking | Rocket Money and similar | Features and fees vary |
| Credit score | Credit Karma and your card issuers | Free scores from several providers |
| Goals and what-if planning | A planner such as MoneyFrame, or a spreadsheet | No bank link, you enter figures |
This summary reflects reviews published since the shutdown. Prices and features change, so check each provider's current terms.
How do you choose in four questions?
- Will you pay? Most bank-linked budgeting apps charge a subscription. If not, start with free tools.
- Will you link accounts? Linking saves effort but shares access with a third party.
- How hands-on are you? A zero-based app rewards daily attention. A planner or spreadsheet needs a monthly check.
- What decision are you facing? If it is "will my goals work?", start with the free Goal check.
What does a free Mint replacement look like?
A free setup can cover most of what Mint did:
- A budget: a spreadsheet using the zero-based method. See how to make a budget.
- Net worth: a monthly list of assets and debts. See how to calculate your net worth.
- Goals: the free Is my goal realistic? sheet or the Goal check.
- Credit: free annual reports and card-issuer scores. See how to build credit.
You give up automatic updating and gain privacy and zero cost. Set a reminder to update the sheet on the first of the month.
What about your old Mint data?
Mint's service ended, so if you did not export your history before it closed, you may not be able to get it back. If you saved a CSV export, most tools accept transaction files. MoneyFrame accepts a CSV of income, spending and goals through its import tool, and its template shows the layout. If you have no export, start fresh: three months of bank statements are enough to rebuild a realistic budget.
What is a good first-week plan?
- Day 1: download three months of bank and card statements.
- Day 2: list every recurring bill and subscription with its date and amount.
- Day 3: add up income and essential costs to find your free money each month.
- Day 4: choose a tool from the table, using the four questions above.
- Day 5 to 7: enter your numbers, set a goal and put a monthly review in your calendar.
Most people who switch find the first month of setup is the hardest, and the habit of a monthly review is what keeps it working.
Which replacement fits which person?
- Wants everything automatic: a paid bank-linked app. See the Monarch Money alternative guide.
- Likes zero-based budgeting: see the YNAB alternative guide.
- Wants free net worth tracking: see the Empower alternative guide.
- Wants a plan and verdicts: a planner such as MoneyFrame.
- Lives with a partner: see how to choose a budgeting app for couples.
Sources and further reading: the Consumer Financial Protection Bureau has free budgeting tools and guidance on sharing account data with apps.
General education, not financial advice. Reviewed October 2026. Descriptions of other products come from public reviews and may be out of date. MoneyFrame does not connect to bank accounts automatically.
Frequently asked questions
What is the best alternative to Mint?
There is no single replacement. Reviewers point to Monarch Money, Quicken Simplifi and YNAB for budgeting, Empower for free net worth tracking, and a planner or spreadsheet for goals. Choose by the Mint feature you used most.
When did Mint shut down?
Mint closed in March 2024. Intuit directed users to Credit Karma, which reviewers found was not a like-for-like replacement for Mint's budgeting tools.
Is there a free replacement for Mint?
Yes, in parts. A spreadsheet covers budgeting, free tools such as Empower cover net worth, and free credit scores are available from several providers. MoneyFrame is free to use today for goal checks.
Can I still get my Mint data?
Probably not unless you exported it before the shutdown. If you saved a CSV file, most tools can import transactions. If not, rebuild from three months of bank statements.
Do Mint alternatives require linking my bank accounts?
Most automatic budgeting apps do. Spreadsheets and planners that use figures you enter, such as MoneyFrame, do not, which suits people who prefer not to share bank logins.