Mint shut down on March 23, 2024, leaving millions of users to find a replacement. Two years later the answer depends on what you actually used Mint for. This page compares the five products people most often consider: Monarch, Copilot, Rocket Money, Empower, and Capi.
Pick Mint replacements if if you want a us-only dashboard replacement, monarch is the closest mint successor. if you want a telegram-first multi-currency tracker, capi is the broader choice.
Pick Capi if honest framing: there is no single right answer. mint did too many things. the right replacement depends on your dominant use case.
I am the founder of Capi, so this comparison cannot be neutral. I have tried to be fair where the rival is stronger and explicit where Capi is. If you spot a place I got something wrong, write to me and I will correct it.
Intuit shut down Mint on March 23, 2024, citing low engagement and migrating users into Credit Karma which Intuit also owns. Credit Karma does not replace Mint's budgeting features. Millions of Mint users had to find a new tracker within months. Two years later the replacement landscape has stabilized around five products.
Monarch Money. Monarch was funded partly on the premise of replacing Mint, hired ex-Mint engineers, and ships US Plaid sync with a clean dashboard. If you used Mint mostly for US bank aggregation and a single-pane budget view, Monarch is the most direct successor at $99.99/year.
Empower (formerly Personal Capital) offers a free dashboard for net-worth tracking and basic budgeting in the US. Capi has a permanent free tier for transaction tracking that works in any country. Both are real options if budget is the dominant constraint. Empower is US-only and investment-focused; Capi is multi-currency and budget-focused.
Capi Together at $99/year is the most couple-specific option, with per-person attribution and a #mine privacy flag. Monarch supports two-person households on one account at $99.99/year (shared visibility, no per-person attribution). YNAB supports shared logins. Honeydue exists for free but is less developed.
Mint was primarily US-focused even when it ran. Outside the US the replacement options narrow. Capi handles CSV and PDF from any bank globally with parcela / cuota / rata installment parsing, and supports seven currencies natively. Zenmoney is a good native-app option for multi-currency users.
Monarch $299.97. Copilot $285. Rocket Money Premium $216 ($6/mo low end) to $432 ($12/mo high end) plus negotiation fees. Empower free for budgeting features. Capi Free $0, Core $209.70, Together $297. The cheapest paid option is Capi Core annual.
Mint's CSV export was disabled before shutdown, but if you exported historical data before March 2024 you can import to any modern tracker. Monarch, Capi, and YNAB all accept Mint-formatted CSV. Capi additionally deduplicates against existing transactions via source_row_hash. If you have no export, you start fresh and accept the data loss.
Solo US user wanting a Mint successor with bank sync? Monarch ($99.99/yr) or Copilot ($95/yr) if you are Apple-first. Subscription bloat is your real pain? Add Rocket Money. International or multi-currency or couple? Capi ($0 to $99/yr). Investment-net-worth tracker free? Empower. The honest framing: pick by your dominant use case, not by reputation.
Free forever. No card required. Type a transaction in Telegram, Capi notices the pattern. Multi-currency by default. 7-day trial of Core for the chat advisor.
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