Best Mint Alternatives in 2026: Where to Go After Mint Shut Down

Mint Shut Down. Now What?

In March 2024, Intuit officially shut down Mint, the personal finance app that tens of millions of people relied on to track spending, manage budgets, and monitor their financial health. If you are one of the many former users still searching for a solid Mint alternative, you are not alone. The demand for a quality Mint replacement has only grown since the shutdown, and thankfully the market has responded with several strong options.

Whether you want a free app that works just like Mint did or you are willing to pay for extra features, this guide breaks down the best apps like Mint available in 2026. We compared pricing, account linking, budgeting features, and net worth tracking so you can find the right fit without hours of research.

What Made Mint Great

Before we dive into alternatives, it helps to understand why Mint was so popular in the first place. These are the core features that any worthy replacement needs to match:

• Account aggregation — Connect bank accounts, credit cards, loans, and investments in one dashboard.
• Completely free — Mint never charged users a subscription fee.
• Automatic transaction categorization — Spending was sorted into categories without manual effort.
• Budget tracking — Set monthly budgets by category and see progress at a glance.
• Net worth overview — A single number showing assets minus liabilities over time.

Any app that calls itself a Mint alternative should deliver most, if not all, of these features. Here is how the top contenders stack up.

Quick Comparison: Best Mint Alternatives at a Glance

App	Free?	Account Linking	Net Worth	Budgeting	Best For
RetroFin	Yes	13,000+ institutions	Yes	Yes	Best free all-in-one Mint replacement
Monarch Money	No ($8.33/mo)	Yes	Yes	Yes	Couples and households
YNAB	No ($14.99/mo)	Yes	Yes	Yes (zero-based)	Strict budgeters
Rocket Money	Freemium	Yes	Limited	Yes	Subscription management
Copilot	No ($10.99/mo)	Yes	Yes	Yes	iOS-only power users
Empower	Yes (dashboard)	Yes	Yes	Limited	Investment and retirement tracking
PocketGuard	Freemium	Yes	No	Yes	Simple "how much can I spend" view
Quicken Simplifi	No ($3.99/mo)	Yes	Yes	Yes	Quicken fans wanting a modern app

1. RetroFin — The Best Free Mint Alternative

If you want the closest experience to what Mint offered but with a modern, polished interface, RetroFin is the standout choice. It is completely free, connects to over 13,000 financial institutions, and gives you a comprehensive net worth dashboard from day one.

Why RetroFin Tops the List

• Truly free — No premium tier required to unlock core features. Account linking, net worth tracking, and transaction history are all included at no cost.
• Broad account support — Link bank accounts, credit cards, investment accounts, loans, and more across 13,000+ institutions.
• Net worth tracking — See your complete financial picture with assets and liabilities charted over time.
• Beautiful, modern UI — A clean design that makes checking your finances genuinely enjoyable, unlike some alternatives that feel cluttered or dated.
• Available on iOS and Android — No platform lock-in.

RetroFin is the closest thing to what Mint should have become. It keeps the best parts of the Mint experience, specifically free account aggregation and a clear financial overview, while delivering a faster and more visually appealing app.

Download RetroFin for iOS  |  Download RetroFin for Android

2. Monarch Money — Best for Couples and Households

Monarch Money has earned a strong reputation since Mint shut down, partly thanks to a recommendation from The Wall Street Journal. At $8.33 per month (billed annually), it is one of the more polished paid options on the market.

Pros

• Excellent household and couples features with shared dashboards.
• Clean interface with strong transaction categorization.
• Detailed net worth and investment tracking.
• Collaborative budgeting tools designed for two people.

Cons

• No free tier. You must pay to use any features beyond a short trial.
• $99.99 per year is a significant step up from what Mint cost (nothing).

Monarch is a great choice if you manage finances with a partner and do not mind paying for the privilege. For solo users looking for a free Mint replacement, there are better options.

3. YNAB (You Need A Budget) — Best for Budgeting Discipline

YNAB has been around for over a decade and has a devoted following. Its zero-based budgeting methodology asks you to assign every dollar a job, which can be transformative for people who struggle with overspending. At $14.99 per month, it is the most expensive mainstream option.

Pros

• Proven zero-based budgeting system that many users credit with changing their financial habits.
• Extensive educational resources, workshops, and community support.
• Bank syncing with manual transaction entry as a backup.

Cons

• Steep learning curve. YNAB's methodology takes time to understand and adopt.
• The most expensive option at $14.99 per month.
• Not a direct Mint replacement. YNAB is focused on budgeting, not passive financial monitoring.

YNAB is ideal if your primary goal is getting your spending under control with an active budgeting approach. It is not the best fit if you simply want a dashboard to see all your accounts in one place.

4. Rocket Money — Best for Cutting Subscriptions

Formerly known as Truebill, Rocket Money gained popularity for its ability to identify and cancel unwanted subscriptions. It offers a free tier, though many of its best features require a premium membership.

Pros

• Subscription tracking and cancellation service can save real money.
• Bill negotiation feature where Rocket Money contacts providers on your behalf.
• Free tier covers basic account linking and spending overview.

Cons

• Premium features (bill negotiation, advanced budgets) require a paid plan.
• Net worth tracking is limited compared to other apps like Mint.
• The app can feel aggressive with premium upsells.

Rocket Money is a solid pick if you know you are leaking money on forgotten subscriptions. For comprehensive financial tracking, you will likely want something more complete.

5. Empower (formerly Personal Capital) — Best for Investors

Empower offers a free financial dashboard with strong investment analysis tools. It is particularly useful for people focused on retirement planning and portfolio management.

Pros

• Free dashboard with excellent investment tracking and fee analysis.
• Retirement planner helps you model different savings scenarios.
• Net worth tracking across all linked accounts.

Cons

• Budgeting tools are basic compared to dedicated budgeting apps.
• The company will contact you about their wealth management services, which require a $100,000 minimum.
• Transaction categorization is less refined than what Mint offered.

If your main concern is tracking investments and planning for retirement, Empower's free dashboard is hard to beat. For day-to-day budgeting, look elsewhere.

What to Look for in a Mint Replacement

With so many options available after Mint shut down, it can be overwhelming to choose. Here are the key factors to evaluate when picking your new personal finance app:

• Account aggregation — Can the app connect to your specific banks and financial institutions? Look for apps supporting thousands of institutions through providers like Plaid or MX.
• Price — Mint was free. If price matters to you, prioritize apps with a genuine free tier rather than limited trials that push you toward a subscription.
• Automatic categorization — Manually tagging every transaction gets old fast. The best Mint alternatives sort your spending automatically and let you create custom rules.
• Budget and goal tools — Whether you prefer a simple spending overview or detailed category budgets, make sure the app matches your style.
• Security — Your financial data is sensitive. Look for apps that use bank-level encryption, do not sell your data, and offer multi-factor authentication.
• Platform availability — Make sure the app runs on your devices. Some alternatives are iOS-only, which leaves Android users out.

How to Switch from Mint: Migration Tips

Moving to a new finance app does not have to be painful. Here are practical steps to make the transition smooth:

• Export your Mint data first. If you saved a CSV export before Mint closed, keep it as a reference for your historical spending and budgets.
• Start fresh with account linking. Connect all your bank accounts, credit cards, and investment accounts in your new app. Most apps pull in several months of transaction history automatically.
• Recreate your budget categories. Set up the categories and budgets that matter to you. This is a good opportunity to simplify categories you never actually used.
• Give it two weeks. Any new app takes time to feel natural. Commit to checking it regularly for at least two weeks before deciding if it is the right fit.
• Check transaction accuracy. Review how the app categorizes your first batch of transactions. Correcting a few early on helps the app learn your preferences.

The Bottom Line: Which Mint Alternative Should You Choose?

The best Mint alternative depends on what you valued most about Mint. If you want a free app that connects all your accounts, tracks your net worth, and just works without a monthly bill, RetroFin is the strongest option available in 2026. It delivers the core Mint experience with a better interface and no subscription fees.

If you are willing to pay, Monarch Money is excellent for couples, and YNAB is unmatched for hands-on budgeters. Rocket Money earns its place for subscription management, and Empower is the go-to for investment-focused users.

But for the millions of people who simply want what Mint gave them, for free, RetroFin is the place to start.

Try RetroFin free on iOS  |  Try RetroFin free on Android