The short version
Mint now lives on Credit Karma, which keeps transactions, spending and net worth. If you want a budget too, you are picking a new app. Monarch is the closest all-in-one replacement, YNAB is for people who want a method, Copilot suits Apple users, and EveryDollar, Goodbudget and Empower have free options. Wonderful gives every paycheck a plan, for one person or two.
- 1
Wonderful: A plan for every paycheck, for one person or two
- 2
Monarch Money: The closest all-in-one replacement
- 3
YNAB (You Need A Budget): Giving every dollar a job
- 4
Copilot Money: Apple users who want a polished app
- 5
Credit Karma: Where Intuit sent Mint users
- 6
Rocket Money: Finding subscriptions first
- 7
PocketGuard: One number for what is safe to spend
- 8
Quicken Simplifi: A spending plan with cash-flow projections
- 9
EveryDollar: A free zero-based budget you type in
- 10
Goodbudget: Envelopes, with a free plan
- 11
Honeydue: Free, for couples
- 12
Origin: Budgeting and investing in one app
- 13
Empower Personal Dashboard: A free net worth and retirement view
What happened to Mint
Credit Karma's press release, dated October 31, 2023, says "Mint is going away" and invites Minters to continue on Credit Karma "including some of Mint's most popular features."[2] Mint's own home page now reads "Mint has been reimagined on Credit Karma" and says reviewing transactions, monitoring your spending and tracking your net worth "now have a new home." It lets you link accounts from more than 17,000 financial institutions there.[1]
A Credit Karma page about the move says it can transfer your linked accounts, your entire Mint transaction history and your net worth history. It also says you lose access to your Mint profile after you move your data, and that Net Worth is not widely available to all Credit Karma members at this time.[3] None of these pages mention budgets, and we could not open Intuit's help articles, so this page gives no closing date. Credit Karma's own profile below covers what it does and doesn't do. If two of you shared a Mint login, the Mint alternatives for couples page covers what a partner sees and pays.
At a glance
| App | Best for | Price | Free trial | Works on |
|---|---|---|---|---|
| Wonderful | A plan for every paycheck, for one person or two | $14.99/mo or $99/yr | A free week | Web |
| Monarch Money | The closest all-in-one replacement | $14.99/mo or $99.99/yr | The pricing page says "Your first week is on us | iPhone, Android, Web |
| YNAB (You Need A Budget) | Giving every dollar a job | $14.99/mo or $109/yr | The pricing page says a 34-day free trial | iPhone, Android, Web |
| Copilot Money | Apple users who want a polished app | $13/mo or $95/yr | The App Store and the FAQ say one month free for new users | iPhone, Web, Mac |
| Credit Karma | Where Intuit sent Mint users | Free | None stated | iPhone, Android, Web |
| Rocket Money | Finding subscriptions first | Free, or $15/mo | The help center says new Premium members get a 7-day free trial | iPhone, Android, Web |
| PocketGuard | One number for what is safe to spend | $6.25/mo or $74.99/yr | A 7-day free trial on each plan | iPhone, Android, Web |
| Quicken Simplifi | A spending plan with cash-flow projections | $6.99/mo; $3.99/mo the first year | "While we do not offer a free trial" there is a 30-day money-back guarantee from the original purchase date | iPhone, Android, Web |
| EveryDollar | A free zero-based budget you type in | Free, or $17.99/mo or $79.99/yr | Premium includes a 14-day free trial | iPhone, Android, Web |
| Goodbudget | Envelopes, with a free plan | Free, or $10/mo or $80/yr | None stated | iPhone, Android, Web |
| Honeydue | Free, for couples | Free | None stated | iPhone, Android |
| Origin | Budgeting and investing in one app | $99/yr; $1 the first year | Origin's blog says it offers no free trial | iPhone, Android, Web, Mac |
| Empower Personal Dashboard | A free net worth and retirement view | Free | None stated | iPhone, Android, Web |
- PocketGuard$74.99
- EveryDollar$79.99
- Goodbudget$80
- Quicken Simplifi$83.88
- Copilot Money$95
- Wonderful$99
- Origin$99
- Monarch Money$99.99
- YNAB (You Need A Budget)$109
- Rocket Money$180
No paid plan with a listed price: Credit Karma, Honeydue, Empower Personal Dashboard.
The cheapest way to pay for a year on each app's own pages. Free apps show no bar. Rocket Money's Premium is a sliding scale with no fixed price, so it has no bar.
How they compare to Mint
People search "YNAB vs Mint", "Monarch vs Mint" and "Rocket Money vs Mint". Mint no longer exists on its own, so the fair comparison is with where it went, Credit Karma, using what its pages say Mint's move covers: transactions, spending and net worth. The table puts those three apps beside it, from their own pages.
| Credit Karma | YNAB (You Need A Budget) | Monarch Money | Rocket Money | |
|---|---|---|---|---|
| Price | Free | $14.99/mo or $109/yr | $14.99/mo or $99.99/yr | Free, or $15/mo |
| Free plan or trial | The App Store lists the app as Free. The home page says federal tax filing is $0 with Free Credit Karma Tax; state filing costs $15.[31][32] | No free plan. The only free access is the trial, and the college program below.[18] | No free plan is listed on the pricing page or the App Store. The only free access is the first week.[7][8] | A free plan exists. It links accounts (not in real time), tracks subscriptions but you cancel them yourself, tracks upcoming bills, and shows spending breakdowns.[35] |
| Works on | iPhone, Android, Web | iPhone, Android, Web | iPhone, Android, Web | iPhone, Android, Web |
| Built around | People who mainly want free credit scores and a light look at spending, not a full budget. | People who want to give every dollar a job and are willing to learn a method, alone or with up to five others on one subscription. | Couples and households who want one paid app that sees every account and are fine with the partner seeing it all. | People who want to find and cancel forgotten subscriptions first and budget second. |
| Partner | Not stated on the pages read | YNAB Together shares one subscription with up to six people, "for the price of a single subscription." It is meant for partners and other close groups.[18][19][24] | A partner joins at no extra cost under the same subscription and gets their own login. The page says, "Partners will each have their own login, but can view each other's data."[11][12] | Account sharing with a partner is listed as a Premium feature.[35] |
YNAB vs Mint
Mint's move to Credit Karma is about reviewing transactions and watching spending. YNAB is a method: The method: for every dollar, ask "What's it for?" Plan for now (before the next paycheck), for later (non-monthly bills like car repairs), and for ease (get a month ahead).[20] It is paid, with a trial and no free plan, where Credit Karma is listed as free. Choose YNAB if you want to plan before you spend, not read back what happened.
Monarch vs Mint
Monarch is the closest in scope. Connects bank accounts, credit cards, loans, investment accounts and real estate, through 13,000+ financial institutions.[10] Unlike the move to Credit Karma it is paid, and its trial is short: The pricing page says "Your first week is on us." The App Store says the app is free to try for 7 days before a monthly or annual membership is billed. Neither says whether a card is needed.[7][8]
Rocket Money vs Mint
Rocket Money starts from subscriptions, not from a record of spending: Finds recurring subscriptions in one place. On Premium, a team cancels them for you; its cost article says this usually takes 2 to 10 days. On Free you cancel them yourself.[35] Its free plan is mobile only, and reviewers in October 2026 complain about charges higher than the price they picked. [40] See Rocket Money alternatives for the other side of that.
How we compared
What mattered for someone leaving Mint:
- Price and a free option. Whether the app is free, has a trial, or charges from day one.
- Getting transactions in. Whether banks link automatically, or you type them in.
- Budgeting method. A spending plan, envelopes, zero-based, or tracking only.
- Subscriptions and bills. Whether the app finds recurring charges, and whether it cancels them.
- Where it runs. iPhone, Android, the web.
Every fact comes from Mint's and Credit Karma's pages or from each app's own pricing and help pages, its App Store and Google Play listings and their reviews, read on October 27, 2026. Each one is numbered to its source at the end. Where a page didn't say, we say it didn't.
1. A plan for every paycheck, for one person or two
Wonderful
$14.99/mo or $99/yr· Web
What it is
A budgeting app for couples who keep their own money, and for one person: each of you connects your own bank, chooses what the other sees, and every paycheck gets a plan.
Why it's on this list
Where Mint was a record of transactions, Wonderful gives every paycheck a plan for bills, spending and saving before it lands, and sorts every charge it pulls from your bank. It works for one person and, if you share money, for two on one subscription. It is browser-only, has no free plan after its free week, and has no credit score. It doesn't import Mint data.
Ideal for: People who want each paycheck planned, not just a record of spending, alone or with a partner.
What it does
- Every paycheck gets a plan for bills, spending and saving before it lands.[6]
- Banks connect through Plaid and every charge is sorted into a category.[5][6]
- Mine, yours and ours: each charge counts for the person or the pair it belongs to.[6]
- Finds recurring charges and subscriptions, lists what's due before your next paycheck, and flags a bill that comes in higher than usual. It doesn't cancel them for you.[6]
- Texts you by iMessage when a bill is charged twice, a price goes up or a refund lands, and you can text it questions.[6]
- Savings goals show the month you'll reach them.[6]
- Net worth for each of you and for both, from the balances your banks send, with its line over time.[6]
- Life events like getting married come step by step, with the deadlines.[6]
Good
2. The closest all-in-one replacement
What it is
A paid budgeting and net worth app that pulls every account into one place and lets a partner join under the same subscription.
Why it's on this list
Monarch is the nearest thing to Mint's scope: accounts, budgets, net worth and a list of bills and subscriptions in one app, on the web, iPhone and Android. The difference is price, since it has no free plan, and that a partner who joins can see your data.
Ideal for: People who want one place for every account, budgets and net worth, and will pay for it.
What it does
- Connects bank accounts, credit cards, loans, investment accounts and real estate, through 13,000+ financial institutions.[10]
- Tracks net worth across all connected accounts.[8][10]
- Sorts transactions automatically and searches across every account in one list.[8][10]
- Two ways to budget: Flex, which splits spending into fixed, flexible and non-monthly buckets and gives one main number to watch, or Category budgeting.[8][13]
- Rollovers: money left in a category carries into the next month, to cover bills that do not come every month.[13]
Good
- A partner joins under the same subscription at no extra cost, with a separate login.[11][12]
- Two people can fund a shared goal even when their money sits in separate accounts.[12]
- Works on iPhone, iPad, Android and the web.[8][9][10]
- Rated 4.9 on the App Store (116K ratings) and 4.8 on Google Play (26.1K reviews).[8][9]
Not so good
- No free plan after the first week.[7][8]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $99.99 billed yearly.[7]
- Forecasting, several income sources and deeper investment tracking sit in the Plus tier. The App Store shows Plus at $199.99 a year; the pricing page lists no Plus price.[7][8]
- A partner sees all accounts and transactions. The couples page describes no way to keep one account private.[11][12]
Pricing
- Monthly[7][8]$14.99 a monthPricing page and App Store both show $14.99. The pricing page does not say which tier it is.
- Yearly[7][8]$99.99 a yearBilled yearly. The pricing page names two tiers, Core and Plus, but lists only these two prices.
- Yearly Plus[7][8]$199.99 a yearShown only as an in-app purchase on the App Store. The pricing page says Plus adds forecasting tools, tracking several income sources like a small business, and deeper investment tracking.
- The pricing page says "Your first week is on us." The App Store says the app is free to try for 7 days before a monthly or annual membership is billed. Neither says whether a card is needed.[7][8]
- No free plan is listed on the pricing page or the App Store. The only free access is the first week.[7][8]
“My wife loves being able to see every thing in one place. It took us 10 years to find this app. Thank you monarch!”Read it where it was said ↗
3. Giving every dollar a job
What it is
A paid budgeting app built on a method: give every dollar a job before you spend it.
Why it's on this list
YNAB is what people pick when they want more than a record. You give each dollar a job before you spend it. It costs the same $14.99 a month as Monarch with a yearly option at $109, has no free plan, and one subscription can be shared with up to 5 more people.
Ideal for: People who want a budgeting method and will spend time on it.
What it does
- The method: for every dollar, ask "What's it for?" Plan for now (before the next paycheck), for later (non-monthly bills like car repairs), and for ease (get a month ahead).[20]
- Bank import links accounts and brings in transactions automatically. Apple Card import is also listed.[19]
- Targets: set spending and savings goals per category and track progress at a glance.[19]
- Loan Planner: shows how much interest and time you save for each extra dollar paid toward debt.[19][21]
- Reports on spending, such as average grocery spend, and on net worth over time.[19][21]
Good
- A written method, not just a tracker: the app is built around planning before spending.[20]
- One subscription covers up to six people at no extra cost.[18]
- A 34-day trial with no card when you sign up on the site, and a free 365-day trial for college students.[18]
- Rated 4.8 on the App Store (62K ratings) and 4.6 on Google Play (25.4K).[21][22]
Not so good
- No free plan after the trial.[18]
- Paid monthly it is $14.99, which is $179.88 over twelve months, against $109 billed annually.[18]
- The website says a 34-day trial and the App Store says 30 days.[18][21]
- The method asks you to plan each dollar before you spend it, which the company's method page presents as the whole point of the app.[20]
Pricing
“Budgeting works if you want to change your life. In 10 years of using YNAB we went from being a total of $250,000 in debt to $950,000 in net worth. It takes time and commitment to change.”Read it where it was said ↗
4. Apple users who want a polished app
Copilot Money
$13/mo or $95/yr· iPhone, Web, Mac· App Store 4.8 (31K)[29]
What it is
A paid budgeting and net worth app for Apple devices and the web, with an AI money assistant and one plan that does everything.
Why it's on this list
Copilot tracks spending, investments, net worth and subscriptions and links to 16,000+ US institutions. It has no Android app and no permanent free tier, and the website and App Store show different prices (see its price box).
Ideal for: People on iPhone, iPad or Mac who want a polished app and an AI assistant.
What it does
- Money Assistant: an AI you can ask about your money. The page says it "always asks before acting." It can fix transactions, run instructions in the background and flag spending trends with budget suggestions. The App Store says it is available only on iPhone.[26][29]
- Connects to 16,000+ US institutions through read-only integrations, with direct links for Venmo, Apple Card and Coinbase.[28][29]
- Sorts transactions automatically, and the assistant can change a category or match a refund to its purchase. You can set your own categories with colors and emojis.[26][29]
- Adaptive budgets that adjust to your spending.[29]
- Tracks spending, investments, net worth and subscriptions.[26][29]
Good
Not so good
- No Android app. The pages list iPhone, iPad, Mac and web only.[26][27][28]
- Sharing with a partner is not live. Households are marked "Coming soon."[26][27][28]
- No free plan after the trial.[28]
- The website and the App Store show different prices: $18 a month or $109 a year (shown as $9 a month) on the site, $13.00 and $95.00 on the App Store.[27][29]
Pricing
- Website, monthly[27]$18 a monthBilled monthly. The pricing page calls it "One simple plan" (checked in a browser 10/27).
- Website, yearly[27]$109 a yearShown as $9 a month, billed yearly, "instead of $119", and labeled a limited time offer.
- App Store, monthly[29]$13 a monthListed as $13.00 on the App Store, which is not what the pricing page shows.
- App Store, yearly[29]$95 a yearListed as $95.00 on the App Store.
“I switched to Copilot when Mint shut down. This app is much better than Mint ever was. The annual fee is a small price to pay to manage my budget and transactions.”Read it where it was said ↗
5. Where Intuit sent Mint users
What it is
A free app for credit scores and reports that also tracks spending and net worth from your linked accounts.
Why it's on this list
It is where Mint's own page sends you, and its App Store listing says it is free. It keeps transactions, spending and net worth, plus free credit scores. What it lacks is a budget builder: its home page names none. Reviewers in October 2026 complain about ads and categories that revert.
Ideal for: People who mainly want a free credit score and a light look at spending and net worth.
What it does
- Free credit score, credit report and credit monitoring.[31]
- "Get insights into where your money goes by connecting your accounts."[31]
- Tracks monthly spending and automatically categorizes transactions.[32]
- Has Cash Flow and net worth views; the home page does not describe them.[31]
- Free federal tax filing through Credit Karma Tax; state filing is $15.[31]
Good
Not so good
- No budgeting tool is named on the home page; it lists only Cash Flow and a net worth view.[31]
- The home page does not say whether spending insights are free.[31]
- App Store reviewers in October 2026 complain about ads, notifications and credit card offers.[33]
- App Store reviewers in October 2026 say categories they set revert to others, some nightly.[33]
Pricing
- App[32]FreeListed as Free on the App Store.
“...the nightly sync is disrupting my spending categories by resetting them each night”Read it where it was said ↗
6. Finding subscriptions first
What it is
An app that finds your subscriptions, can cancel them and negotiate bills for you, and tracks spending and budgets, with a free plan and two paid ones.
Why it's on this list
Rocket Money is built around subscriptions, and on Premium a team cancels them for you. It also tracks spending and budgets, with a free plan on mobile. Its Premium price depends on which source you read, so check it before you sign up.
Ideal for: People whose first question is what they are subscribed to.
What it does
- Finds recurring subscriptions in one place. On Premium, a team cancels them for you; its cost article says this usually takes 2 to 10 days. On Free you cancel them yourself.[35]
- Negotiates cable, phone and insurance bills for a success fee of 35% to 60% of the first year's savings.[35][36][37]
- Tracks upcoming bills, net income and spending, with automatic categories.[35]
- Custom budgets: two custom category budgets on Free, unlimited custom budgets and categories on Premium.[35]
- Premium adds transaction rules, splits, notes, tags, manual transactions and CSV export.[35]
Good
- A free plan exists and covers subscription tracking, bills and basic budgets.[35]
- Cancels subscriptions for you on Premium and negotiates bills.[35]
- Large installed base: 403K ratings on the App Store at 4.5 stars and 141K on Google Play at 4.5.[38][39]
- Premium is a sliding scale you pick yourself, with a 7-day trial.[35][36]
Not so good
- The price is not fixed: the learn article says $7 to $14 a month, the help center gives no numbers, and the App Store lists purchases from $2.99 to $9.99.[35][36][38]
- Bill negotiation costs 35% to 60% of the first year's savings for Free and Premium members.[35][36]
- On Free you cancel subscriptions yourself. Hands-off cancelling is Premium.[35][37]
- The free plan allows two custom category budgets, so a full budget needs Premium.[35]
Pricing
- Free[35]FreeMobile only. Tracks subscriptions and upcoming bills, with two custom category budgets.
- Premium[35][36][38]Pay what you think is fair, "typically $7 to $14 per month, subject to change," per the learn article. The help center says the price varies by platform and gives no numbers. The App Store lists Premium purchases from $2.99 to $9.99 without billing periods.
- Premium+[35][36][38]$15 a monthA fixed $15 a month plus tax. Adds Rowan, an AI assistant that works through text messages, and no fee on bill negotiation.
- The help center says new Premium members get a 7-day free trial, then the subscription continues at the price chosen at sign-up. The learn article states no trial.[35][36]
- A free plan exists. It links accounts (not in real time), tracks subscriptions but you cancel them yourself, tracks upcoming bills, and shows spending breakdowns.[35]
“I selected 7 dollars per month and it still charged me for 15”Read it where it was said ↗
7. One number for what is safe to spend
What it is
A paid budgeting app for iPhone, Android and web that links bank accounts and shows how much is safe to spend after bills, goals and essentials.
Why it's on this list
PocketGuard shows how much is safe to spend after bills, goals and essentials, and finds recurring charges. It is paid after a 7-day trial, with a one-time lifetime option besides subscriptions.
Ideal for: One person who wants a simple safe-to-spend number.
What it does
- "Leftover": what you can still spend after bills, goals and essentials.[42][46]
- Budget with zero-based, envelope or category methods, with rollovers for unspent or overspent money.[42][44]
- Pace: predicts how much you will have left at month's end from your spending habits.[42][46]
- Finds recurring charges and subscriptions automatically, and the listing mentions a built-in bill negotiation service.[42][46]
- Transaction rules that match merchant names, keywords, amounts, categories or accounts.[46]
Good
Not so good
- No free plan; the app requires the trial or a paid plan.[43]
- Monthly billing is $12.99, about double the yearly rate per month.[43]
- No partner or shared login is described on the pages opened.[42][43][44][45]
- App Store reviewers in 2025 and 2026 report being charged at the start of the trial, and a trial that does not appear in App Store subscription settings.[47]
Pricing
“I’ve been using this app for about 6 years now and it helps me stay on budget and know when to stop spending money. Also, whenever I have an issue with the app, the developers fix it fast.”Read it where it was said ↗
8. A spending plan with cash-flow projections
Quicken Simplifi
$6.99/mo; $3.99/mo the first year· iPhone, Android, Web
What it is
A web and mobile budgeting app from Quicken that links accounts, builds a spending plan, projects cash flow and tracks bills, goals and investments.
Why it's on this list
Simplifi builds a spending plan, projects cash flow and tracks bills and subscriptions, and its web app is where a partner joins your space. It has no free plan and no trial, only a 30-day money-back guarantee on purchases made directly from Quicken.
Ideal for: People who want a spending plan with projections and one shared space.
What it does
- A spending plan that shows what you can spend per day.[49]
- Projected cash flow with "what-if" scenarios.[49]
- Tracks upcoming bills and subscriptions and shows all your subscriptions.[49]
- Automatically categorizes transactions and connects to over 14,000 financial institutions.[49]
- Savings goals, reports and insights.[49]
Good
- A partner can use the shared space without paying for a second subscription.[51]
- 30-day money-back guarantee on purchases made directly from Quicken.[52][53]
- Every support channel is included with every subscription.[50]
- Covers budgeting, bills, investments and a retirement planner in one subscription.[49]
Not so good
- No free plan and no free trial.[53]
- Annual billing only, and renewal is at the then-current rate, not the first-year offer.[49][53]
- Only one shared space and one additional member; no way to share only some accounts.[51]
- A person invited to share must accept on the web app; signing in on the mobile app prompts them to subscribe.[51]
Pricing
- Simplifi, first-year offer[49]$3.99 a monthBilled annually. The page says the final price may differ from the monthly price times 12, and the offer is for the first year when ordered directly from Quicken by November 26, 2026.
- Simplifi, price shown beside the offer[49]$6.99 a monthBilled annually. Shown next to $3.99 on the page without a label. The subscription renews at "the then-current rates".
“Easy to set up. For me it’s great! Tracking my finances - I only have to look in one place for everything. Love it!”Read it where it was said ↗
9. A free zero-based budget you type in
What it is
Ramsey Solutions' zero-based budgeting app: a free version where you type in transactions, and a paid version that imports them from your bank.
Why it's on this list
EveryDollar's free version has no time limit, but you type transactions in; bank import is a Premium feature. It is a zero-based budget, so you plan where every dollar goes before the month starts.
What it does
- Zero-based budgeting: plan every dollar before the month starts so income minus expenses equals zero.[57]
- Free: monthly budget, unlimited categories and line items, split transactions, due dates for bills, and savings goals for big purchases.[56][58]
- Sinking funds for future expenses, in the free version.[56][57]
- Premium imports transactions automatically from connected accounts. Ramsey says it uses Mastercard Connect and Plaid.[56]
- Premium plans spending around payday and bill due dates.[56][57]
Good
Not so good
- No bank import on the free version. You type every transaction.[56]
- Premium is $17.99 billed monthly, which is $215.88 over twelve months, against $79.99 billed yearly.[56]
- Rated 4.3 on Google Play, lower than the App Store's 4.7.[58][59]
- The plans page and the App Store show different Premium plans and prices.[56][58]
Pricing
- Free[56]FreeUsable as long as you want. Manual transaction entry, no bank import.
- Premium, monthly[56][58]$17.99 a monthBank import and the rest of Premium.
- Premium, yearly[56][58]$79.99 a yearShown by Ramsey as about $6.67 a month.
- Ramsey+, yearly[58]$129.99 a yearListed only as an in-app purchase on the App Store, along with Ramsey+ at $59.99 for three months. The plans page does not describe it.
- Premium includes a 14-day free trial, for new users only.[56]
- A free version you can use as long as you want. It has a monthly budget, unlimited categories, manual transactions, sinking funds, split transactions, bill due dates and live-person support. It does not import transactions from a bank.[56][57]
“My wife and I’ve been using this app for eight years. Can’t live without it.”Read it where it was said ↗
10. Envelopes, with a free plan
Goodbudget
Free, or $10/mo or $80/yr· iPhone, Android, Web· App Store 4.6 (13,516)[66]
What it is
An envelope budgeting app for the web, iPhone and Android where you divide income into virtual envelopes and share the budget across devices.
Why it's on this list
Goodbudget uses envelopes. Its free plan has no bank sync, one account and 20 envelopes, so it fits people happy to enter transactions by hand.
What it does
- Envelope budgeting: you divide income into category envelopes, spend from the matching envelope and stop when it is empty, with no physical cash.[68]
- The free plan has 10 regular envelopes and 10 annual or goal envelopes; Premium removes the cap.[61][62]
- Syncs and shares a budget across iPhone, Android and the web, with data backed up to Goodbudget's website.[64][66]
- Automatic bank sync is a Premium feature and works with US banks only. The free plan is manual entry.[61][62]
- Reports in the app: spending by envelope (a pie chart), income versus spending, and debt progress; more reports on the web.[66]
Good
Pricing
- Free[61][62]FreeCalled "Free Forever" on the page. 10 regular envelopes, 10 annual or goal envelopes, 1 account, 2 devices, 1 year of history, debt tracking, community support.
- Premium[61][62]$10 a month · $80 a yearAdds automatic bank sync (US banks only), unlimited envelopes and accounts, 5 devices, 7 years of history and email support.
“We’ve been using Goodbudget for several years now, after trying multiple budgeting apps. It’s the best solution we’ve found to budget with an envelope system, while utilizing credit cards and online payments.”Read it where it was said ↗
11. Free, for couples
What it is
A free phone app for couples that shows both people's linked accounts, bills and budgets, with a choice of how much each person shares.
Why it's on this list
Honeydue is free and made for couples: two people link accounts and choose how much each shares. It has iPhone and Android apps and no web version listed on its pages.
What it does
- Shared view of linked bank account balances, loans and investments. The site says it connects "over 20,000 financial institutions across 5 countries."[71][75]
- Choose what your partner sees per account: balances and transactions, balances only, or nothing.[73]
- Monthly household spending limits for each category, with alerts as you and your partner get close.[75]
- Bill reminders that notify you or your partner when a payment is due.[71][75]
- Chat built into the app: send a quick reaction or ask your partner about a specific transaction.[71]
Good
Pricing
- Free[72]FreeHoneydue's help center says, "Honeydue is 100% free for everybody, and we don't block any features with a paywall."
- Monthly tip (optional)[72][75]Any amount from $1 to $10 a month through the App Store or Google Play. The help center says tips fund new features. The App Store lists $0.99 to $9.99.
- The whole app is free. The only paid thing is the optional tip, which can be changed or cancelled in the App Store or Google Play.[72]
“My husband and I have used this for years and genuinely love using it.”Read it where it was said ↗
12. Budgeting and investing in one app
Origin
$99/yr; $1 the first year· iPhone, Android, Web, Mac· App Store 4.6 (3,980)[83]
What it is
A subscription app for iPhone, Android, Mac and web that tracks spending and investments, has an AI advisor, and lets a partner join at no extra cost.
Why it's on this list
Origin puts spending, investments and an AI advisor in one app and lets a partner join at no extra cost. It lists no free plan, only a $1 first year before the yearly price.
What it does
- An AI advisor ("Ask Origin") that answers money questions using your connected accounts. Origin says there are "no usage limits on the AI Advisor".[79][80]
- Tracks spending, cash flow, subscriptions and bills, and builds budgets from your habits.[83]
- Automatic categorization of transactions; you can edit transactions and add new ones.[80]
- Connects accounts through Plaid, MX and Mastercard, and accepts CSV uploads.[80][81]
- Investing view: holdings, allocation and performance across connected brokerage and retirement accounts, plus Origin's own automated index portfolios.[81][83]
Good
- Partner access is included in the price.[80][82]
- Free DIY tax filing is part of the membership, including joint filing.[80][81]
- One flat fee: $99 a year after the first year, with no add-ons for tax filing or partner access.[80]
- Covers budgeting, investing, estate planning and an AI advisor in one app.[79][83]
Not so good
- No free plan or free trial on the pages opened; the first year is $1, then $99 a year.[80][81]
- Many 5-star App Store reviews in 2026 end with "Entered a sweepstakes for this review."[84]
- Origin's claim that its AI Advisor scored 98.3% on the CFP exam is its own marketing and was not checked.[80]
- App Store reviewers in 2026 report bank connections that expire or will not reconnect, and slow support.[84]
Pricing
- First year promotion[80][81]$1 a year"$1 for the first year." Per Origin's blog.
- Annual after year one[80]$99 a year"$99/year", a flat annual fee. Partner access and tax filing carry no add-on.
- Origin's blog says it offers no free trial, only the first-year price: "Try Origin for $1 for your first year." Whether a card is needed was not stated on the pages opened.[81]
- No free plan is described on the pages opened. The App Store listing is free to download, and 2026 reviewers say the app is unusable without a subscription.[83][84]
“My wife and I are able to combine all our accounts here — and see who’s is who’s. It’s got a great AI integration as well.”Read it where it was said ↗
13. A free net worth and retirement view
Empower Personal Dashboard
Free· iPhone, Android, Web· App Store 4.8 (421,639)[90]
What it is
A free dashboard and app that links your bank, card, loan and investment accounts to show net worth, spending and retirement scenarios, paid for by Empower's advisory services.
Why it's on this list
Empower is the free option for people who used Mint mostly for net worth: its dashboard links bank, loan and investment accounts and shows retirement scenarios. The pages describe budgeting only as tracking daily spending, and the free tools sit beside paid advisory services.
What it does
- Net worth: total holdings minus total debts, across accounts in one place, with the effect of paying down debt or saving more.[88]
- Retirement planner: compare retirement ages, see what goals such as college or travel need, and set up withdrawals.[89]
- Budgeting and cash flow: tracks daily spending and expenses; transactions are categorized automatically.[87]
- Portfolio analysis: performance, risk level and where your money is invested.[87]
- Fee Analyzer, to find hidden fees in investment accounts.[92]
Good
- The dashboard and its tools are free.[87]
- Covers retirement and investment accounts, not just bank and card spending.[87][89]
- 4.8 stars on the App Store from 421,639 ratings, for the app that also serves retirement-plan users.[90]
- Includes a Fee Analyzer and a retirement planner that tests different retirement ages.[89][92]
Not so good
- Advisory services are paid for with a fee based on assets under management; the free tools are offered next to them.[86][87]
- The pages describe budgeting only as tracking daily spending; no envelope, zero-based or per-category plan is described.[87]
- Nothing on the pages opened describes a spouse, partner or joint view.[86][87][88][89]
- Its own pages give two different advisory minimums: $100,000 and more than $250,000.[86][87][89]
Pricing
- Personal Dashboard[87]Free"Nothing! The dashboard experience and financial tools are completely free."
- The dashboard and its financial tools are free. The high-yield cash account is described as having "no account fees, no minimums".[87]
“I have used this through my current employer for a few years and it’s steadily become a lot more functional and less buggy”Read it where it was said ↗
Free Mint alternatives
Free apps in this list, and what each leaves out:
- Credit Karma: Free to download and use, per the App Store.[32]
- Empower: The dashboard and its financial tools are free. The high-yield cash account is described as having "no account fees, no minimums".[87]
- Honeydue: The whole app is free. The only paid thing is the optional tip, which can be changed or cancelled in the App Store or Google Play.[72]
- EveryDollar: A free version you can use as long as you want. It has a monthly budget, unlimited categories, manual transactions, sinking funds, split transactions, bill due dates and live-person support. It does not import transactions from a bank.[56][57]
- Goodbudget: A free plan exists. It has no bank sync, one account, 20 envelopes in all (10 regular and 10 annual or goal), two devices and a year of history. The App Store listing calls it ad-free.[61][62][66]
- Rocket Money: A free plan exists. It links accounts (not in real time), tracks subscriptions but you cancel them yourself, tracks upcoming bills, and shows spending breakdowns.[35]
More in best free budgeting apps.
How to choose
Pick the part of Mint you would miss most, then check the price and whether bank sync costs extra.
Choose Wonderful if you:
- Want each paycheck planned before it lands
- Share money with a partner but keep your own accounts
- Are fine with a web app and no free plan
Choose Monarch Money if you:
- Want accounts, budgets and net worth in one app
- Don't mind paying after a first week free
Choose YNAB (You Need A Budget) if you:
- Want to plan every dollar before you spend it
- Will put time into learning a method
Choose Credit Karma if you:
- Mostly want transactions, spending, net worth and a credit score
- Are fine without a budget builder
Choose Rocket Money if you:
- Want subscriptions found, and cancelled for you on Premium
- Can live with a Premium price that varies by source
Choose EveryDollar if you:
- Want a free zero-based budget
- Will type transactions in yourself
Where Wonderful fits, and where it doesn't
We make Wonderful. It suits people who want a plan for each paycheck rather than a record of what happened, and it is built for two people who keep their own money, though it works for one. It doesn't have a credit score, a free plan after the first week, or an iPhone or Android app yet, and it doesn't import Mint data. It finds recurring charges but doesn't cancel them. If you want free, Credit Karma, Empower and Honeydue are; if you want a method, YNAB is; if you want the closest all-in-one, Monarch is. For couples, see the couples roundup.
Questions people ask
What is the best Mint alternative?
It depends on what you used Mint for. Monarch is the closest all-in-one app, YNAB is for giving every dollar a job, Copilot suits Apple users, and Wonderful gives every paycheck a plan and works for two people who keep their own money. Credit Karma is where Intuit pointed Mint users, but its pages name no budget builder.
What replaced Mint?
Mint's own home page now reads "Mint has been reimagined on Credit Karma" and names transactions, spending and net worth as what moved. Credit Karma's press release, dated October 31, 2023, says "Mint is going away."
Does Mint still exist?
Not as its own app. The Mint home page sends you to Credit Karma, and the Credit Karma page about the move says you lose access to your Mint profile after your data is moved.
Is there a free Mint alternative?
Credit Karma is listed as free on the App Store. Empower's dashboard is free and Honeydue is free with an optional tip. EveryDollar has a free version where you type transactions in, and Goodbudget has a free plan with no bank sync. Rocket Money has a free plan on mobile. Wonderful has no free plan after its free week.
Apps like Mint with a free plan that links my bank?
Credit Karma, Empower and Honeydue are free and link accounts. Rocket Money's free plan links accounts but not in real time. EveryDollar's and Goodbudget's free plans have no bank import, so you enter transactions yourself.
YNAB vs Mint: which is better?
They do different jobs. Mint, now on Credit Karma, is about reviewing transactions, watching spending and tracking net worth. YNAB asks you to give every dollar a job before you spend it, and costs $14.99 a month or $109 a year after a free trial. Pick YNAB if you want a method, not just a record.
Monarch vs Mint: is Monarch the new Mint?
Monarch is the closest in scope: it links accounts through 13,000+ institutions, tracks net worth and budgets, and includes a partner. It costs $14.99 a month or $99.99 a year after a first week free, so unlike Mint's move to Credit Karma it is not free.
Rocket Money vs Mint: what is the difference?
Rocket Money is built around finding subscriptions, and on Premium it can cancel them for you. It also tracks spending and budgets. Its free plan is mobile only, and its Premium price is not fixed (see the Rocket Money section).
Apps like Mint that show a credit score?
Credit Karma has a free credit score. Rocket Money lists credit score viewing on its free plan and credit report monitoring on Premium. The other apps' pages that we read don't mention a credit score, and Wonderful has none.
Can I move my Mint data to another app?
Credit Karma's page says it can move your linked accounts, your entire Mint transaction history and your net worth history to Credit Karma. We found no page from another app that says it imports Mint data, and Wonderful doesn't import it.
What are the best Mint alternatives for couples?
Honeydue is free and made for two, Monarch and Origin include a partner under one subscription, and Wonderful gives two people one subscription while each chooses what the other sees. See the couples version of this list for what a partner sees in each.
Sources
92 sources · read October 27, 2026
Every number on this page comes from mint.intuit.com, creditkarma.com, wonderful.money and 21 more. If a source has changed since, the source is right.
- 1Mint (Intuit)mint.intuit.com
- 2Intuit and Credit Karma welcome all Minters (Credit Karma press release)creditkarma.com
- 3Mint to Credit Karma Net Worth (Credit Karma)creditkarma.com
- 4Wonderful terms of servicewonderful.money
- 5Wonderful privacy policywonderful.money
- 6Wonderfulwonderful.money
- 7Monarch pricingmonarch.com
- 8Monarch on the App Storeapps.apple.com
- 9Monarch on Google Playplay.google.com
- 10Monarch home pagemonarch.com
- 11Monarch for couplesmonarch.com
- 12Monarch collaborationmonarch.com
- 13Monarch budgetingmonarch.com
- 14Monarch planningmonarch.com
- 15Apple public review feed for Monarchitunes.apple.com
- 16Monarch help: Monarch for Couples and Householdshelp.monarch.com
- 17Trustpilot, www.monarchmoney.comtrustpilot.com
- 18YNAB pricingynab.com
- 19YNAB featuresynab.com
- 20The YNAB methodynab.com
- 21YNAB on the App Storeapps.apple.com
- 22YNAB on Google Playplay.google.com
- 23Apple public review feed for YNABitunes.apple.com
- 24YNAB: Using YNAB as Partnerssupport.ynab.com
- 25Trustpilot, ynab.comtrustpilot.com
- 26Copilot Money homecopilot.money
- 27Copilot Money pricingcopilot.money
- 28Copilot Money FAQcopilot.money
- 29Copilot on the App Storeapps.apple.com
- 30Apple public review feed for Copilotitunes.apple.com
- 31Credit Karma homecreditkarma.com
- 32Intuit Credit Karma on the App Storeapps.apple.com
- 33App Store reviews feed for Intuit Credit Karma (most recent)itunes.apple.com
- 34Trustpilot, creditkarma.comtrustpilot.com
- 35Rocket Money: How much does Rocket Money costrocketmoney.com
- 36Rocket Money help center: How much does Rocket Money costhelp.rocketmoney.com
- 37Rocket Money FAQframer.rocketmoney.com
- 38Rocket Money on the App Storeapps.apple.com
- 39Rocket Money on Google Playplay.google.com
- 40Apple public review feed for Rocket Moneyitunes.apple.com
- 41Trustpilot, rocketmoney.comtrustpilot.com
- 42PocketGuard home pagepocketguard.com
- 43PocketGuard pricingpocketguard.com
- 44PocketGuard help: Plus overviewpocketguard.com
- 45PocketGuard help: all featurespocketguard.com
- 46App Store listing, PocketGuardapps.apple.com
- 47App Store reviews, PocketGuardapps.apple.com
- 48Trustpilot, pocketguard.comtrustpilot.com
- 49Quicken Simplifi product pagequicken.com
- 50Quicken blog: personal finance software with the best customer supportquicken.com
- 51Simplifi help: How to use Spaces sharingsupport.simplifi.quicken.com
- 52Simplifi help: How to cancel and get a refundsupport.simplifi.quicken.com
- 53Simplifi help: Subscription questionssupport.simplifi.quicken.com
- 54App Store listing, Quicken: Budget & Track Moneyapps.apple.com
- 55App Store reviews, Quicken: Budget & Track Moneyapps.apple.com
- 56EveryDollar plans (Ramsey Solutions)ramseysolutions.com
- 57EveryDollar budget page (Ramsey Solutions)ramseysolutions.com
- 58EveryDollar on the App Storeapps.apple.com
- 59EveryDollar on Google Playplay.google.com
- 60Apple public review feed for EveryDollaritunes.apple.com
- 61Goodbudget pricing (signup page)goodbudget.com
- 62Goodbudget help: Subscribe to Goodbudgetgoodbudget.com
- 63Goodbudget refunds and cancellationsgoodbudget.com
- 64Goodbudget home pagegoodbudget.com
- 65Goodbudget help indexgoodbudget.com
- 66App Store listing, Goodbudgetapps.apple.com
- 67App Store reviews, Goodbudgetapps.apple.com
- 68Goodbudget envelope budgeting pagegoodbudget.com
- 69Goodbudget changeloggoodbudget.com
- 70Honeydue home pagehoneydue.com
- 71Honeydue: How it workshoneydue.com
- 72Honeydue help: How does Honeydue earn moneysupport.honeydue.com
- 73Honeydue help: Will my partner see my accountssupport.honeydue.com
- 74Honeydue Joint Cashhoneydue.com
- 75Honeydue on the App Storeapps.apple.com
- 76Honeydue on Google Playplay.google.com
- 77Apple public review feed for Honeydueitunes.apple.com
- 78Honeydue help: Account issues and inviting a partnersupport.honeydue.com
- 79Origin home pageuseorigin.com
- 80Origin blog: Why Origin is the best personal finance app in 2026useorigin.com
- 81Origin blog: Why Origin is the best all-in-one AI finance appuseorigin.com
- 82Origin blog: Finance apps that let you add a partner in 2026useorigin.com
- 83App Store listing, Origin: AI Budget and Trackapps.apple.com
- 84App Store reviews, Originapps.apple.com
- 85Origin legal pageuseorigin.com
- 86Empower home pageempower.com
- 87Empower tools pageempower.com
- 88Empower net worth toolempower.com
- 89Empower retirement plannerempower.com
- 90App Store listing, Empowerapps.apple.com
- 91App Store reviews, Empowerapps.apple.com
- 92Empower free tools pageempower.com
App names are trademarks of their owners; Wonderful isn't connected with them. Wonderful gives general information. It isn't a financial or tax advisor.