Mint shut down 2 years ago: the 5 replacements, ranked
Mint went dark on March 23, 2024. Two years and a lot of half-finished migrations later, the dust has settled enough to say which replacements actually earned their keep and which just borrowed Mint's grief. I have watched people bounce between three apps trying to rebuild what they lost. Here is the honest ranking, with current prices, the platforms each one runs on, and the one thing each does better than the rest.
Roughly twenty-five million people used Mint. When Intuit closed it, most were pushed toward Credit Karma, which carried over a login and almost nothing else, no budgets, no categories, no history. That left a real gap, and the market filled it fast. I spent years inside banks watching people abandon budgeting the moment it got tedious, so I judge these apps on one question first: will you still be using it in six months. Below are the five mainstream replacements ranked on that basis, plus an honest note on where each one still falls short.
What happened to Mint, and do you still need a replacement in 2026?
Intuit shut Mint down on March 23, 2024, after seventeen years and about twenty-five million users, folding what little it kept into Credit Karma. Only account logins moved across, not transactions, budgets or history, and Mint's data was deleted after the cutoff. So in 2026 you cannot go back. If you tracked spending in Mint, you need a live replacement, and the good news is the field is now genuinely better than what you lost.
The harder truth is why Mint died at all. It was free because your data and the credit-card offers beside it were the product, and that model stopped paying Intuit's bills. Every serious replacement today charges a subscription instead, which feels worse on day one and is better on day two, because a company you pay has a reason to keep the lights on. That trade, a few dollars a month for a tool that will not vanish, is the real lesson of the last two years. For a wider view of the category, I keep an updated guide to the best money tracker in 2026.
What is the best all-around Mint replacement in 2026?
Monarch Money, ranked first. It is the closest thing to a Mint successor, co-founded by Val Agostino, Mint's first product manager, and it rebuilds the all-in-one dashboard of accounts, budgets, net worth and goals that Mint users actually miss. Live sync reaches more than thirteen thousand institutions. It costs 99.99 dollars a year for the Core plan, or 199 dollars for Plus. Not free, but the most complete like-for-like swap.
Monarch earns the top spot because it feels familiar without feeling dated. The dashboard is the part former Mint users grieve most, and Monarch gives it back with better design and a collaborative mode for couples that Mint never had. The honest catch is price and depth. Ninety-nine dollars a year is real money for something Mint gave away, and the flexible budgeting takes a week or two to click. If you want one app that does everything Mint did and a little more, this is it. I put the differences next to my own tool in Capi vs Monarch.
What is the cheapest Mint replacement that still does everything?
Quicken Simplifi, ranked second, and the value pick. It lists at 5.99 dollars a month billed annually, about 71.88 dollars a year, and new subscribers often see a promotional rate closer to 47.88 dollars for the first year. For that you get real bank sync, budgets and a forward-looking spending plan that projects the rest of your month, the feature most free trackers skip. It is the lowest price among the mainstream full budgeters.
Simplifi ranks second rather than first only on polish. Its spending-plan forecast is genuinely useful, closer to a plan than a rear-view mirror, and for a former Mint user who mostly wants to see money in, money out and what is left, it does the job for the least cash. The interface is a step behind Monarch and Copilot, and it is US focused, but if budget is your first filter this is the honest answer. I compared the field on cost in the cheapest budget app in 2026.
Which Mint replacement is best for fixing your spending?
YNAB, ranked third, and the one that changes behavior rather than just recording it. It uses a zero-based method where every dollar gets a job before you spend it, which is a different act from Mint's passive tracking. It costs 14.99 dollars a month or 109 dollars a year, the most expensive here, with a free trial but no permanent free tier. The learning curve is real, and so are the results for people who finish it.
YNAB is third not because it is worse but because it asks the most of you. Mint let you watch your money drift by. YNAB makes you assign it, and that friction is the point, it is why people who stick with the method report the biggest change in habits. It is also the priciest and least casual option, so it is wrong for anyone who just wanted Mint's set-and-forget dashboard back. If you want a gentler on-ramp, I wrote about a free YNAB alternative for people not ready to pay 109 dollars to start.
What is the best Mint replacement for canceling subscriptions?
Rocket Money, ranked fourth, best at the one job Mint never did well. It scans linked accounts, surfaces every recurring charge, and will cancel unwanted subscriptions for you on the Premium tier. The free tier is unusually generous, with unlimited account connections and subscription detection. Premium runs on a pay-what-you-think-is-fair model, roughly 7 to 14 dollars a month, and bill negotiation costs 35 to 60 percent of the first year's savings.
Rocket Money ranks fourth because it is a companion, not a full Mint replacement. As a budgeter and net-worth tracker it is thinner than Monarch or Simplifi, and the paid cancellation and negotiation fees mean the free tier is doing most of the honest work. But if the thing that actually leaks your money is forgotten subscriptions, and for a lot of people it is, this is the most direct fix on the list. I walk through doing that audit yourself, without paying a cut, in the 90-day subscription audit.
Which Mint replacement has the best design, and what is the catch?
Copilot Money, ranked fifth, the best-looking app here with a disqualifying limit for many. Its interface and automatic categorization are the sharpest of the group, and it learns your spending quickly. It costs 13 dollars a month or 95 dollars a year. The catch is simple and hard: Copilot is Apple only, iPhone and Mac, with no Android or full web version. For a lot of former Mint users, that single fact ends the conversation.
Copilot is fifth purely because of reach, not quality. On an iPhone it is arguably the nicest daily experience on this list, and if your household is all Apple it deserves a higher spot for you personally. But Mint was everywhere, and a replacement that runs on one ecosystem cannot fully inherit that. If you are on Android or you share money with someone who is, cross it off now and save yourself the trial. The trade-offs against a chat-based approach are laid out in Capi vs Copilot Money.
How do the five Mint replacements compare?
Here is the whole field on one screen: what each one is best at, whether it offers live bank sync, the platforms it runs on, and the yearly price. The sixth row is my own tool, added for honesty rather than ranking, because it answers a question the other five do not. Read the table for the shape, then pick on the single row that matters most to you.
| App | Best for | Live bank sync | Platform | Price per year |
|---|---|---|---|---|
| Monarch | All-round replacement | Yes, 13,000+ | Web, iOS, Android | $99.99 |
| Simplifi | Lowest price | Yes | Web, iOS, Android | $71.88 (often less) |
| YNAB | Changing habits | Yes | Web, iOS, Android | $109 |
| Rocket Money | Killing subscriptions | Yes | Web, iOS, Android | Free, Premium ~$7-14/mo |
| Copilot | Design, Apple users | Yes | iOS, macOS only | $95 |
| Capi | Chat-native, multi-currency | No, you forward | Telegram, any device | Free, then $69.90 |
Is there a Mint replacement that lives where you already chat?
Yes, and it is the one honest gap in the five above. Capi runs entirely inside Telegram, so there is no new app to install and open. You log an expense by typing a line, sending a voice note, or photographing a receipt, and it tracks several currencies at once, which none of the US-first apps above handle well. It is free for thirty transactions a month, then 9.90 dollars a month or 69.90 dollars a year.
I built Capi because the apps on this list all assume two things Mint also assumed: that you live in one currency and that you will open a dedicated app every day. Plenty of people do neither. If you earn in dollars and spend in reais or pesos, or you just never reopen finance apps, a tracker inside a chat you already check is a different bet. The honest cost is that Capi has no live bank sync by design, you forward statements or log as you go, so if automatic syncing is non-negotiable, pick Monarch or Simplifi instead. I keep the comparison plain in Capi vs YNAB, and I wrote about why even synced apps quietly mislead you in why finance apps lie about your spending.
Replace Mint without installing another app.
Capi tracks your money inside Telegram, by text, voice or a photo of a receipt, in as many currencies as you need.
Free to start, Core is $9.90 a month or $69.90 a year.
Frequently asked questions about Mint replacements
Is Mint really gone for good in 2026?
Yes. Intuit shut Mint down on March 23, 2024, and deleted the accounts and transaction histories from its servers after that date. Only your login was carried over to Credit Karma, not your budgets, categories or history. There is no way to reopen a Mint account in 2026, so the practical question is which replacement you move to, not whether Mint might return.
What is the best free Mint replacement?
There is no free app that matches everything Mint did. Rocket Money has the most useful free tier, with unlimited account connections and subscription detection, though canceling and custom budgets need Premium. Capi is free for up to thirty transactions a month in one currency inside Telegram. If free is the hard requirement, start with one of those and upgrade only if you outgrow it.
Can I still import my old Mint data into a new app?
Only if you exported it before March 23, 2024. Mint let users download transactions as a CSV during the shutdown window, and most replacements, including Monarch, YNAB and Simplifi, accept a CSV import. If you never exported, that history is gone, because Intuit deleted it. In that case you start fresh, which is less painful than it sounds once a new app is syncing.
Which Mint replacement is closest to the original Mint?
Monarch Money is the closest in spirit. It was co-founded by Val Agostino, Mint's first product manager, and it keeps the all-in-one dashboard of accounts, budgets, net worth and goals that Mint users relied on. The difference is that it is a paid subscription rather than free and ad-supported, which is also why it has stayed alive where Mint could not.
Do I have to connect my bank to replace Mint?
No, though most replacements assume you will. Monarch, YNAB, Simplifi, Rocket Money and Copilot all use a bank connection through a data aggregator as the default. If you would rather not link accounts, you can import a CSV or statement, or use a tool like Capi that takes typed lines, voice notes and photos of receipts instead of a live bank link.