Mint shut down on March 23, 2024. Two years later, former Mint users are still looking for a replacement that is free, simple, and respects their privacy. Here are the best options.

When Intuit pulled the plug on Mint, they pushed users toward Credit Karma — a credit monitoring service, not a budgeting tool. For the millions of people who relied on Mint to categorise their spending and set budget limits, Credit Karma was not a meaningful replacement. Many felt abandoned.

The budgeting app market has evolved significantly since then. Some apps have stepped up to fill the gap, while others have raised prices or added restrictions. We tested six of the most viable Mint alternatives and ranked them based on how well they replace what Mint actually did: track transactions, categorise spending, set budget limits, and give you a clear picture of your finances.

What Made Mint Good (and What You Should Look For)

Mint was popular for specific reasons, and a good replacement should match most of them:

  • Free to use: Mint never charged a subscription. It was funded by ads and financial product referrals.
  • Automatic categorisation: Transactions were categorised by merchant name without manual effort.
  • Budget tracking: Simple spending limits per category with visual progress indicators.
  • Multi-account view: All bank accounts, credit cards, and loans in one dashboard.
  • Low maintenance: Once set up, it mostly ran on autopilot with periodic check-ins.

No single replacement matches Mint in every dimension. But several come close — and some improve on it significantly, especially on privacy.

The Best Mint Alternatives, Ranked

Our Top Pick

1. Savly

Savly takes a fundamentally different approach from Mint: instead of connecting to your bank, you import transactions via CSV or Excel files. This eliminates the privacy concerns that Mint users always had in the back of their minds — your banking credentials are never shared with anyone.

The free tier includes unlimited transactions, 4 budget categories, and 1 savings goal. Savly auto-categorises transactions by merchant name (similar to how Mint worked), detects duplicates when you re-import, and supports 20+ currencies. It works globally, not just in the US, which makes it suitable for anyone regardless of where they bank.

The main trade-off compared to Mint is that transactions are not pulled in automatically. You need to download a file from your bank and upload it — typically a 2-minute process once or twice a month. For many former Mint users, this is an acceptable exchange for not sharing bank credentials.

Pros

  • Free tier with unlimited transactions (like Mint)
  • No bank linking — no credential sharing
  • Auto-categorisation by merchant name
  • 20+ currencies — works globally
  • No ads, no data monetisation
  • CSV/Excel import from any bank

Cons

  • Manual import (no auto bank sync)
  • Free tier limited to 4 budget categories
  • No bill payment or credit score features

Free tier: Unlimited transactions, 4 budgets, 1 savings goal, CSV/Excel import.

Premium: £5.99/month for unlimited budgets, AI assistant, household sharing.

Closest to Mint

2. Monarch Money

Monarch Money is often described as what Mint should have become. It offers automatic bank syncing, spending categorisation, budget tracking, savings goals, and net worth tracking — all in a polished, modern interface. It connects to thousands of financial institutions and handles investment accounts, loans, and credit cards.

The major difference from Mint is the price. Monarch Money costs $14.99/month (or $99.99/year) with no free tier beyond a 7-day trial. It is an excellent product, but it is a significant step up from free. If you valued Mint primarily because it was free, Monarch may feel expensive.

Pros

  • Feature-for-feature closest to Mint
  • Automatic bank sync with broad coverage
  • Investment and net worth tracking
  • Beautiful, modern interface

Cons

  • No free tier — $14.99/month
  • Primarily US-focused
  • Requires bank credential sharing
  • No CSV import as fallback

Free tier: None — 7-day trial only.

Paid: $14.99/month or $99.99/year.

Apple Ecosystem

3. Copilot Money

Copilot is a premium budgeting app designed specifically for Apple devices. It connects to your bank accounts, auto-categorises spending, and presents everything in a visually stunning interface with smooth animations and thoughtful details. It is widely considered one of the best-designed finance apps available.

The limitations are significant: Copilot is iOS and Mac only (no Android or web), US-only for bank connections, and costs $14.99/month. If you are in the Apple ecosystem and based in the US, it is a top-tier option. For everyone else, it is not accessible.

Pros

  • Exceptional design and user experience
  • Automatic bank sync
  • Smart categorisation with learning
  • Native Apple integration

Cons

  • Apple devices only (no Android, no web)
  • US-only bank connections
  • No free tier — $14.99/month
  • Requires bank credential sharing

Free tier: None — free trial only.

Paid: $14.99/month or $69.99/year.

Zero-Based Budgeting

4. YNAB (You Need A Budget)

YNAB is not a Mint replacement in the traditional sense — it uses a fundamentally different approach. Where Mint passively tracked what you already spent, YNAB asks you to proactively assign every pound to a category before you spend it. This zero-based method is more effective for people who want to change their spending habits, but it requires more engagement.

YNAB has a loyal following and extensive educational resources. It supports bank syncing in several countries and offers manual import as a fallback. At $14.99/month with no free tier, it is a commitment — both financially and in terms of time spent learning the methodology.

Pros

  • Proven budgeting methodology
  • Strong community and education
  • Multi-currency support
  • Cross-platform (web, iOS, Android)

Cons

  • No free tier — $14.99/month
  • Steep learning curve
  • Very different approach from Mint
  • Bank sync can be unreliable outside the US

Free tier: None — 34-day trial only.

Paid: $14.99/month or $109/year.

Simple Overview

5. PocketGuard

PocketGuard is the simplest option on this list. It connects to your bank accounts and shows you a single number: how much you have left to spend after bills and savings goals. This "In My Pocket" figure is useful for people who do not want granular budgets but still want to avoid overspending.

The free tier is ad-supported and limited to one goal. It works primarily with US banks and has limited international support. It is a decent lightweight alternative if Mint's main value to you was a quick spending snapshot rather than detailed budgets.

Pros

  • Extremely simple to use
  • Automatic bank sync
  • Free tier available
  • Subscription and bill detection

Cons

  • Free tier shows ads
  • Primarily US-focused
  • Limited budgeting depth
  • Requires bank credential sharing

Free tier: Bank sync, basic overview, 1 goal, ads.

Paid: $7.99/month for ad-free, unlimited goals, custom categories.

Envelope Method

6. Goodbudget

Goodbudget is an envelope budgeting app with a free tier that includes 20 envelopes (categories) and sync across two devices. It is entirely manual — there is no bank connection and no CSV import on the free plan. You enter every transaction by hand.

For former Mint users who valued automation, Goodbudget will feel like a significant downgrade. But for people who want a free, structured budgeting system and do not mind the manual entry, it is a reliable option that has been around for years.

Pros

  • Free tier with 20 envelopes
  • Structured envelope budgeting method
  • Sync across 2 devices
  • No bank linking needed

Cons

  • Manual transaction entry only (free tier)
  • No bank sync or CSV import on free
  • Dated interface
  • Limited reporting and analytics

Free tier: 20 envelopes, 1 account, 2-device sync, manual entry.

Paid: $10/month for unlimited envelopes, CSV import, 5 devices.

Which Mint Alternative Is Right for You?

  • If you want free + privacy: Savly gives you unlimited transactions with no ads and no bank linking. The closest to Mint's free model, but with better privacy.
  • If you want the closest Mint clone: Monarch Money replicates the Mint experience with automatic bank sync, but at $14.99/month.
  • If you are in the Apple ecosystem: Copilot Money is the best-designed option, though it is iOS/Mac only and US-only.
  • If you want to change your habits: YNAB's proactive budgeting approach goes beyond what Mint offered, but it requires more time and costs $14.99/month.
  • If you just want a spending snapshot: PocketGuard's "In My Pocket" feature gives you a quick answer without detailed budgets.
  • If you do not mind manual entry: Goodbudget's free tier gives you 20 budget categories with no bank linking required.

Switch from Mint to Savly in Minutes

Savly replaces the core of what made Mint useful — transaction tracking, automatic categorisation, and budget limits — without the ads, data selling, or bank credential sharing.

  1. Export your transactions: Download a CSV or Excel file from each of your bank accounts. Most banks make this available in their transaction history or statements section.
  2. Import into Savly: Upload your files. Savly's column mapper handles different bank formats automatically and detects duplicates if you reimport overlapping date ranges.
  3. Set up your budgets: Create categories that match how you used Mint. The free tier gives you 4 categories — enough for the most impactful spending areas.
  4. Review your dashboard: See your spending breakdown, budget progress, and savings goal in one clean view. Import new transactions weekly or monthly to keep it current.
Replace Mint for Free →
No credit card required • No bank linking

Frequently Asked Questions

What happened to Mint and why did it shut down?

Intuit shut down Mint on March 23, 2024, and migrated users to Credit Karma, which Intuit also owns. Mint had been free since its launch in 2007, funded by advertising and financial product referrals. Intuit decided that Credit Karma better served their business model. However, Credit Karma is primarily a credit monitoring tool — not a budgeting app — so most former Mint users found it was not a suitable replacement for their budgeting needs.

Is there a free Mint alternative that does not require bank linking?

Yes. Savly is a free budgeting app that works through CSV and Excel file imports instead of bank linking. You download your transactions from your bank and upload them to Savly. This means your banking credentials are never shared with a third party. The free tier includes unlimited transactions, 4 budget categories, and 1 savings goal — making it a strong replacement for Mint's core budgeting functionality.

What is the closest replacement to Mint in terms of features?

Monarch Money is often cited as the closest feature-for-feature replacement because it offers bank syncing, budgets, goals, and net worth tracking in a similar interface. However, it costs $14.99/month with no free tier. For a free alternative, Savly replicates Mint's core workflow — importing transactions, categorising spending, and setting budget limits — without the ads or data monetisation that Mint relied on.