When Mint shut down on March 23, 2024, I had the same reaction as you: Wait, what?.
After years of tracking spending, planning budgets, and generally feeling like I had my finances in check, Mint just up and left.
It wasn’t exactly the breakup I was prepared for.
If you’ve been a Mint user, you know how much easier it made managing money—linking all your accounts, keeping tabs on expenses, and reminding you of upcoming bills (sometimes too bluntly, but hey, it worked).
So, when it disappeared, I went hunting for a replacement. Spoiler: not all budgeting apps are created equal.
Luckily, there are some great Mint alternatives out there. I’ve tested a bunch of them, and I’m here to share the ones that stood out.
Let’s check them out—your next budgeting BFF might be just a scroll away.
Rocket Money packs a serious punch when it comes to managing your finances. it tackles everything from tracking subscriptions to negotiating bills.
Yes, you heard that right.
It can haggle on your behalf to lower bills you’d rather not deal with (and, who wouldn’t love that?).
The free version covers basic budgeting needs, but if you’re ready to level up, their premium membership adds unlimited budget categories, automated Smart Savings accounts, and account sharing for multiple users. Perfect for families or couples juggling shared expenses.
Premium members also get access to bill negotiation services, where Rocket Money keeps 30%–60% of what they save you.
Cost:
- Free Plan: Includes account linking, balance alerts, subscription tracking, and spend tracking.
- Premium Plan: Starts with a 7-day free trial, then shifts to $6–$12 per month (you decide the price). Features include unlimited budgets, financial goals, subscription cancellation assistance, priority support, and net worth tracking.
Anyone tired of tracking their subscriptions manually (we’ve all missed a few) or families looking for a tool to organize their shared financial goals. Just keep in mind that premium features come with a price tag, but they’re worth it if you need the extra tools.
If you’ve ever heard of the envelope budgeting method (you know, where you divvy up your cash into envelopes for specific expenses), Goodbudget is basically that—but digital.
No more carrying envelopes around or trying to remember which one had your “fun money” versus “gas money.” With Goodbudget, you create digital envelopes for things like groceries, rent, dining out, or even a latte fund (no judgment).
The free version keeps things simple with up to 20 envelopes, which is more than enough for smaller budgets. But if you’re managing household finances or need unlimited envelopes, the premium plan is perfect. Very ideal for couples or families because you can share budgets and tackle your financial goals together.
Cost:
- Free Plan: Includes 10 regular envelopes, 10 extra envelopes, one linked account, two devices, one year of history, debt tracking, and community support.
- Premium Plan: Costs $10 per month or $80 per year. Includes unlimited envelopes and accounts, five devices, seven years of history, automatic bank syncing (US only), debt tracking, and email support.
If you love structure and need a clear way to organize your spending, Goodbudget nails it. Plus, the premium collaboration tools make it ideal for anyone managing shared expenses.
Previously called Personal Capital, Empower gives you a full suite of budgeting tools without charging you a dime. You can track your spending, manage your savings, and even keep tabs on your net worth—all in one place.
For those who want to jump deeper into investment management, Empower offers premium services that come with an additional fee. But even without that, the free version is more than enough for everyday budgeting and financial planning.
Cost:
- Free: Includes budget planning, spending and savings tracking, and net worth management.
- Premium: Additional fees apply if you choose to use the investment management tools.
Empower is perfect for budgeters who want a reliable, no-cost tool to replace Mint. Also great for people curious about tracking their overall financial picture, including their net worth.
You Need a Budget (or YNAB, if we’re keeping it short) is all about zero-based budgeting. The idea? You assign every dollar a “job” before it even leaves your account.
YNAB is best for people who want to take control of their spending and make every cent count. YNAB’s system helps you plan your finances proactively, which is a fancy way of saying you know where your money is going ahead of time.
Unlike some other budgeting apps, YNAB doesn’t offer a free version, but it backs up its price with powerful tools. You can customize your budgets, track financial goals, and even share budgets with up to six people (great for families or friends). It also includes debt payoff tools and net worth tracking, giving you a complete financial picture.
YNAB company even claims the average user saves $600 in their first two months.
Cost:
- Monthly Plan: $14.99/month.
- Annual Plan: $109/year (works out to about $9.08/month, saving you $70 annually).
- Both options come with a 34-day free trial to test things out risk-free.
If you’re serious about budgeting and want to get hands-on with your finances, YNAB is a great pick. Couples, families, or groups managing shared expenses will also love the collaboration features.
PocketGuard is designed to simplify budgeting and help you avoid overspending by showing exactly how much “pocket money” you have left after covering your bills and saving goals. And for those of you who relied on Mint, good news—PocketGuard makes it easy to migrate your data, so the switch is smooth.
The free version covers the basics: tracking spending, income, and even your net worth. But if you’re ready to step up your game, the premium plan, PocketGuard Plus, unlocks unlimited budgets, a debt payoff plan, and customizable categories.
Cost:
- Free Plan: Includes spending and income tracking, basic budgets, and net worth tracking.
- Premium Plan (PocketGuard Plus): $12.99/month or $74.99/year (billed annually). Adds unlimited budgets, custom categories, and a debt payoff tool.
If you’re focused on paying down debt or want a simple way to track your spending without the fluff, PocketGuard fits the bill.
Quicken Simplifi is all about helping you take control of your money with as little effort as possible. The app offers powerful features like personalized spending plans, bill tracking, and detailed financial reports—all tailored to your unique financial habits. Once you link your bank accounts and billing information, Simplifi gives you a clear picture of your income, spending, and savings.
What sets Simplifi apart is its customizable categories and smart tracking tools. It even keeps an eye out for store refunds and alerts you about transactions so you’re never caught off guard.
Cost:
- $3.99/month (billed annually). While there’s no free version, discounted promotional prices are available throughout the year.
Simplifi is perfect for people who want a no-nonsense budgeting tool that’s flexible enough for any level of money management. It’s ideal if you want to track every penny, stay on top of bills, or reach your savings goals faster.
Your Money, Your Rules
Alright, finding the right budgeting app is about taking control of your money in a way that feels natural and, dare I say, kind of empowering.
You don’t have to settle. There are apps for every kind of budgeter—whether you like keeping things simple or need a deep dive into every penny you spend. The trick is picking the one that works for you. Don’t overthink it! Start with a tool that feels approachable and tweak your strategy as you go.
At the end of the day, your budget reflects your life. Make it work for you, not the other way around. So, go ahead—grab one of these Mint alternatives, get your plan together, and start crushing those money goals.
