The 5 Best Mint Alternatives in 2026 (Now That Mint Is Really Gone)

Mint shut down in March 2024, and Intuit pointed everyone at Credit Karma. Two years later, plenty of former Mint users are still searching, because Credit Karma is not a budgeting app. It shows your credit score and some account balances, but there is no real budget: no categories you control, no plan for the month ahead. If that is all you needed, you would not be reading this.

The good news is that the field moved on. Some apps rebuilt the Mint experience better than Mint ever ran it, and others took the chance to fix the thing Mint always got wrong: automation so hands-off that you stopped looking at your money at all.

Here are the five alternatives worth your time in 2026.

1. Hearth

We will be upfront: Hearth is our app, and it is not a Mint clone. We are putting it first because we think the most common Mint failure mode (connect everything, check nothing, learn nothing) deserves a different answer, not a prettier version of the same one. If you want the closest thing to Mint itself, skip to Monarch.

Best for: ex-Mint users who realized passive tracking never changed their spending.

Hearth is an envelope budgeting app built for couples. You and a partner share envelopes and both see the same balances in real time, so the budget is a shared plan rather than one person's dashboard.

Bank sync (new, in beta) connects US and Canadian banks through Plaid, but with a twist that directly addresses the Mint problem: transactions arrive in a shared review inbox, and nothing touches the budget until you confirm it. Most apps make you choose between automatic (convenient, but you stop paying attention) and manual (mindful, but tedious). Hearth's review inbox gives you both. Transactions arrive on their own, but you stay the one who decides. Once a merchant rule exists, confirming is one tap, and refunds are handled cleanly.

You also get receipt scanning that reads line items, streak tracking, and spending analysis on iOS and Android. If the envelope method is new to you, here is how it works.

One honest limitation: no net-worth or investment tracking, which was a big part of Mint for many people.

Price: free to start; Hearth Plus is $4.99/month or $34.99/year.

2. Monarch Money

Best for: people who want Mint back, but better.

Monarch is the most Mint-like app on the market, and in most ways it is simply better than Mint was: net-worth tracking, investment views, flexible budgets, household sharing, and none of the ads that cluttered Mint in its final years. Many of Mint's original team ended up here, and it shows.

The difference you will feel immediately is the price. Mint was free because you were the product; Monarch charges real money and has no free tier beyond the trial.

One honest limitation: the most expensive option here, and its automation still miscategorizes silently sometimes, just like Mint did.

Price: $14.99/month or $99.99/year at the time of writing.

3. Rocket Money

Best for: people who mainly used Mint to spot waste and cut bills.

Rocket Money's superpowers are subscription cancellation and bill negotiation, and it is genuinely good at both. If your Mint routine was mostly "scan the transactions, find the leaks," Rocket Money automates the leak-finding and will even cancel things for you.

The budgeting itself is basic tracking. It gives you a picture of your spending, not a plan for it.

One honest limitation: budgeting is a side feature next to the cancellation business.

Price: free tier; premium $6 to $12/month (choose your price) at the time of writing.

4. YNAB

Best for: ex-Mint users ready to graduate from tracking to planning.

YNAB is the opposite of Mint in philosophy. Instead of watching what happened, you give every dollar a job before you spend it. People who make the switch often describe it as the first time a budget actually changed their behavior. Partner sharing is supported, and the method is backed by excellent education and a devoted community.

The cost is effort. YNAB has a steep learning curve, and it charges the highest annual price on this list.

One honest limitation: the learning curve is real, and lapsed Mint users who wanted passive tracking tend to bounce off it.

Price: $14.99/month or $109/year at the time of writing.

5. Copilot Money

Best for: Apple users who want the most polished Mint successor.

Copilot is beautifully designed and its ML categorization is among the best available, learning quickly from your corrections. For an individual on iPhone and Mac who wants automated tracking with real craft behind it, Copilot is arguably the nicest experience in the category.

Two hard limits: it is Apple only, and it is individual-first, with no meaningful story for couples.

One honest limitation: no Android, no web for most purposes, and nothing built for partners.

Price: about $95/year at the time of writing.

How to choose

If you want Mint, continued, pick Monarch and accept the subscription.

If Mint taught you that passive tracking does not change anything, pick Hearth, especially if you budget with a partner.

If you mostly want to cut bills and subscriptions, pick Rocket Money.

If you are ready for a real method, pick YNAB.

If you live inside the Apple ecosystem, pick Copilot.

And if part of your hesitation is connecting your bank to yet another app after watching Mint die, that instinct is fair. We wrote about whether it is safe to link your bank account to a budgeting app so you can decide with clear eyes.