Intuit shut down Mint in early 2024, leaving millions of users without their go-to budgeting app. Users were pushed toward Credit Karma, but many found it a poor replacement - Credit Karma focuses on credit scores, not budgeting.
If you're a former Mint user still looking for a proper replacement, you're not alone. Here are the 7 best Mint alternatives in 2026, compared across features, pricing, and what matters most to ex-Mint users.
What Happened to Mint?
Mint was one of the most popular free budgeting apps, known for automatic bank syncing, spending categorization, and bill tracking. In January 2024, parent company Intuit shut it down and redirected users to Credit Karma.
The problem? Credit Karma is primarily a credit monitoring service, not a budget tracker. It doesn't offer the budgeting tools, spending categories, or financial planning features that Mint users relied on. Most former Mint users need an actual budgeting app.
What Mint Users Should Look For
Based on what Mint offered, here's what you should prioritize in a replacement:
- Expense categorization - Automatic or easy manual categorization of transactions
- Budget tracking - Set monthly budgets and track progress
- Bill reminders - Notifications for upcoming payments
- Spending overview - Clear charts and reports showing where money goes
- Free or affordable - Mint was free, so price sensitivity is natural
- Easy setup - Mint made getting started painless
Nice-to-haves that Mint didn't offer: group expense splitting, investment tracking, AI insights, and offline access.
7 Best Mint Alternatives in 2026
1. Finvex: All-in-One - Best Overall Mint Replacement
Finvex doesn't just replace Mint - it replaces Mint, Splitwise, and your stock tracker, all in one app. With 55+ features on the free tier, it's the most complete Mint alternative available.
What Mint users will love:
- Expense tracking with categories, notes, and recurring transactions
- Budget planning with real-time tracking and alerts
- Visual reports and category breakdowns
- Multi-account support (checking, savings, credit cards, digital wallets)
- Free tier with all features - like Mint, but better
What you'll gain over Mint:
- Group expense splitting (no more needing Splitwise)
- Investment tracking (stocks, crypto, gold, ETFs, bonds)
- AI chat assistant that analyzes your spending data
- Receipt scanning and voice commands
- Offline access with cloud sync - works without internet, syncs across devices when online. Mint required internet for everything.
- FlowCoins rewards for building better financial habits
Trade-off: No automatic bank linking (manual entry by design for privacy). Your data syncs across devices via the cloud, but transactions are entered manually rather than pulled from your bank. Some users prefer this; others miss auto-import.
Price: Free forever. Paid plans from $0.29/month.
2. YNAB - Best for Serious Budgeters
YNAB's zero-based budgeting method is the gold standard for intentional budgeting. It forces you to assign every dollar a purpose before spending it. For details, see our YNAB vs Finvex comparison.
What Mint users will like: Bank syncing, established reputation, educational resources.
What you'll miss: Mint was free. YNAB is $14.99/month with no free tier. No investment tracking, no group splitting.
Price: $14.99/month or $109/year. 34-day free trial only.
3. PocketGuard - Best for Simplicity
PocketGuard's "In My Pocket" feature shows one number: how much you can safely spend right now. It's the simplest way to avoid overspending.
What Mint users will like: Clean interface, automatic categorization, bank syncing available.
What you'll miss: Many features locked behind PocketGuard Plus ($7.99/month). No investment tracking or AI features.
Price: Free (limited) or $7.99/month for Plus.
4. Goodbudget - Best for Envelope Budgeting
Goodbudget digitizes the classic envelope method. Divide your income into spending categories and track against them. Simple and effective.
What Mint users will like: Free tier available, visual budget approach, syncs between two devices.
What you'll miss: Limited to 10 envelopes on free tier. No bank sync, no investments, no AI.
Price: Free (limited) or $10/month for Plus.
5. Wallet by BudgetBakers - Best for International Users
Wallet offers bank syncing in many countries worldwide, making it a strong choice for international users who want automatic transaction import.
What Mint users will like: Bank syncing, multi-currency support, visual reports.
What you'll miss: Bank sync requires premium ($5.49/month). Free tier is basic. No AI features or group splitting.
Price: Free (limited) or $5.49/month for Premium.
6. Spendee - Best for Visual Tracking
Spendee has one of the most visually appealing interfaces in the finance app space. If aesthetics matter to you, Spendee delivers.
What Mint users will like: Beautiful design, easy expense entry.
What you'll miss: Free tier limited to one wallet with no budgets. Very basic without the premium plan.
Price: Free (very limited) or $2.99/month.
7. Splitwise - Best If You Only Need Group Splitting
Splitwise excels at one thing: splitting expenses with groups. If your main need from a finance app is tracking shared costs with roommates or friends, it's a solid choice.
What Mint users should know: Splitwise is NOT a Mint replacement. It doesn't track personal expenses or budgets. Use it alongside another app, or choose Finvex which includes splitting built in.
Price: Free (limited) or $4.99/month for Pro.
Comparison Table
| App | Free tier | Features | Paid price | Investments | Group split | AI |
|---|
| Finvex | Yes (all features) | 55+ | $0.29–$4.99/mo | Yes | Yes | Yes |
| YNAB | No (trial only) | ~18 | $14.99/mo | No | No | No |
| PocketGuard | Yes (limited) | ~14 | $7.99/mo | No | No | No |
| Goodbudget | Yes (limited) | ~10 | $10/mo | No | No | No |
| Wallet | Yes (limited) | ~16 | $5.49/mo | No | No | No |
| Spendee | Yes (very limited) | ~8 | $2.99/mo | No | No | No |
| Splitwise | Yes (limited) | ~12 | $4.99/mo | No | Yes | No |
Which Mint Alternative is Best?
For most former Mint users, Finvex: All-in-One is the best replacement. It matches everything Mint did - expense tracking, budgets, categories, reports - and adds group splitting, investment tracking, and AI features. All for free.
If you specifically want automatic bank syncing and don't mind paying, YNAB or PocketGuard are worth considering. But if Mint's free price was part of the appeal, Finvex is the only app that delivers a genuinely complete free experience.
The bottom line: Mint leaving the market created a gap. Several apps can fill parts of it. Finvex fills all of it - and then some.
Frequently Asked Questions
Why did Mint shut down?
Intuit shut down Mint in January 2024 and redirected users to Credit Karma, another Intuit product. The company consolidated its personal finance offerings. Credit Karma focuses on credit scores rather than budgeting.
Is Credit Karma a good Mint replacement?
Not really. Credit Karma is a credit monitoring service, not a budgeting app. It tracks your credit score and offers loan/card recommendations but doesn't provide the expense tracking, budgets, or spending categories that Mint users relied on.
What's the most similar app to Mint?
In terms of being free and feature-rich, Finvex is the closest to Mint's value proposition. It offers a comprehensive free tier with expense tracking, budgets, and reports - plus extra features Mint never had like group splitting and investment tracking.
Can I export my Mint data to another app?
Mint allowed data export before shutdown. If you saved your exported data, you can use it as a reference when setting up a new app. Most replacement apps require manual setup of accounts and budgets.
Do any free alternatives match Mint's features?
Finvex's free tier actually exceeds what Mint offered, with 55+ features including investment tracking, AI assistant, group splitting, and offline access. Most other free tiers are significantly more limited than what Mint provided.