The 6 Best Mint Alternatives (2026): Price & Features Compared

The best Mint alternative depends on what you used Mint for. Silvia is the best choice for investors and anyone who used Mint to watch their net worth, because it tracks every account for free and answers questions about your money. Monarch Money is the closest match for budgeting, and YNAB is best for hands-on budgeters.

Intuit shut Mint down on March 23, 2024 and moved users to Credit Karma, which dropped Mint's budgeting tools. This guide compares six replacements by price, features, and the kind of Mint user each one fits.

What Made Mint Hard to Replace?

Mint did three jobs for free. It built a budget from your categorized spending, reminded you about bills, and showed your net worth across bank, credit card, loan, and investment accounts. Most replacements do one or two of those jobs well, and most of them charge for it. The right pick starts with the job you used Mint for most.

Best Mint Alternatives: Quick Comparison

Prices are list prices as of November 2026.

The 6 Best Mint Alternatives

1. Silvia: Best for Investors and Net Worth Tracking

Silvia picks up the part of Mint that Credit Karma kept and takes it much further. It connects your bank, brokerage, retirement, and crypto accounts, and lets you add real estate, private investments, and debts by hand, so your net worth includes everything you own. Like Mint, it shows where your money goes each month.

Silvia also does something Mint never did. You can ask questions in plain English, like whether your portfolio leans too heavily on tech or how a sale might affect your taxes, and get answers based on your actual accounts. Silvia Radar sends alerts when something changes, such as a big drop in a holding or a low cash balance. Connections are read-only, and Silvia is SOC 2 Type II certified.

Silvia has a free plan with no time limit, and Pro costs $20 a month or $200 a year. It offers spending insights instead of Mint-style category budgets, so strict budgeters may want to pair it with a budgeting app.

2. Monarch Money: Best for Budgeting

Monarch is the closest thing to Mint, with more polish. It pulls in your accounts, categorizes transactions, tracks recurring bills, and lets you build budgets and savings goals. A partner can join at no extra cost, which Mint never offered. Investment accounts appear in your net worth with their holdings.

The Core plan costs $99.99 a year or $14.99 a month after a 7-day trial. In 2026, Monarch added a Plus plan at $199.99 a year with forecasting, gains and losses, and fund analysis from Morningstar. Monarch has no free plan, which is the biggest change for people used to a free Mint.

>> More: Compare Monarch Money Alternatives

3. YNAB: Best for Hands-On Budgeters

YNAB, short for You Need a Budget, takes a stricter approach than Mint did. You give every dollar a job before you spend it, and the app tracks whether you stuck to the plan. It works well for people who want to control spending closely, but the method takes a few weeks to learn.

YNAB costs $109 a year or $14.99 a month after a 34-day free trial, and college students get a year free. It works on iPhone, Android, and the web, and up to six people can share one subscription. YNAB tracks investment balances but offers little else for investors.

4. Empower Personal Dashboard: Best Free Option for Retirement Planning

Empower, formerly Personal Capital, is free and leans toward investing. It links your accounts, tracks net worth and spending, and includes a Fee Analyzer that shows what your funds cost you over time, plus a retirement planner. Its budgeting is basic compared with Mint's.

The trade-off is the sales pitch. Empower makes money from its advisory service, which charges 0.49% to 0.89% a year with a $100,000 minimum, so expect calls once you link a large balance. Investors who want more than charts often move on to other Empower alternatives.

5. Copilot Money: Best for iPhone and Mac Users

Copilot is a well-designed budgeting app built for Apple devices. It categorizes transactions automatically and learns from your corrections, tracks recurring charges, and shows investments next to your spending. It has no ads or product recommendations, which sets it apart from how Mint made money.

Copilot costs $95 a year or $13 a month after a one-month trial. It runs on iPhone, iPad, Mac, and the web, but there's no Android app, and it doesn't offer shared access for couples.

6. Rocket Money: Best for Bills and Subscriptions

Rocket Money is built around recurring charges. It finds your subscriptions and, on its Premium plan, can cancel unwanted ones for you. It also offers budgets and spending tracking, though they're simpler than Mint's.

The free plan covers basic tracking. Premium uses a pay-what-you-want price of $7 to $14 a month and adds unlimited budgets, net worth tracking, and cancellation help. Bill negotiation now requires Premium+, which costs $15 a month with no success fee.

>> More: Best AI Financial Assistants

How to Choose a Mint Alternative

Start with the Mint feature you'd miss most.

• You mostly tracked net worth and investments. Pick Silvia for a free, complete view with answers about your portfolio, or Empower for free retirement tools.
• You mostly used Mint's budget. Pick Monarch for a flexible budget close to Mint's, or YNAB for a stricter system.
• You mostly watched bills and subscriptions. Pick Rocket Money.
• You want the most polished app on an iPhone. Pick Copilot.

Cost matters too, since Mint was free. Over five years, Monarch Core costs about $500, YNAB about $545, and Copilot about $475 at today's annual prices, while Silvia's and Empower's free plans cost nothing. Use any free trial to confirm that every bank and brokerage you use connects cleanly before you pay.

Frequently Asked Questions

What is the best replacement for Mint?

For investors, the best Mint replacement is Silvia, which tracks every account for free and answers questions about your portfolio. For budgeting alone, Monarch Money is the closest match, and YNAB suits hands-on budgeters.

What is the best free Mint alternative?

The best free Mint alternative is Silvia, which tracks every account and your full net worth with no time limit on its free plan. Empower is also free and strong on retirement planning, and Rocket Money has a free plan for tracking subscriptions.

What is the closest app to Mint?

Monarch Money is the closest app to Mint for budgeting. It categorizes transactions, tracks bills, and builds budgets much like Mint did, but it costs $99.99 a year.

Did Mint become Credit Karma?

Intuit moved Mint users to Credit Karma, but Credit Karma is a different app. It kept account tracking and a net worth view but dropped Mint's budgeting tools, and it's mainly a credit monitoring service.

Why do most Mint alternatives cost money?

Mint was free because it earned referral fees on the cards and loans it recommended. Many replacements charge a subscription instead, so they make money from users rather than from selling financial products to them. Silvia and Empower are free to start.

Is there a Mint alternative for couples?

Yes. Silvia lets a partner join at no extra cost. You can invite a spouse, financial advisor, or another trusted 3rd party of your choice.

The Bottom Line

No single app has replaced everything Mint did at Mint's price of zero. Pick by the job you care about most. For investors and anyone tracking net worth, Silvia is the best fit and free to start. Monarch is the closest budgeting replacement, YNAB suits strict budgeters, and Rocket Money handles bills and subscriptions.