Written by Behdad Karimi Dermeni, CPA · Reviewed by Maryam Ajorloo, CPA
Mint shut down in 2024, and the best replacement depends on what you were using it for. For personal budgeting in Canada, YNAB, Monarch Money, PocketGuard, and Neontra all connect to Canadian banks. For business finances, ReInvestWealth covers bookkeeping, receipts, and sales tax filing in one place.
Since its inception in 2006, Mint has been a one-stop-shop for budgeting, bill tracking, and financial planning for millions of users. Despite Mint's popularity, its parent company Intuit decided to shut down the service to focus on other products like Credit Karma. Its closure in 2024 leaves many in search of alternatives that can fill the void left by Mint's departure.
If you're a former Mint user in Canada looking for a similar tracking and budgeting tool, we've rounded up a list of apps and software to help you decide on the best replacement for Mint.
List of Mint Alternatives in Canada
While there are many alternatives to Mint, we've selected the ones that best meet the needs of Canadian users, particularly those that have good integration with banks and financial institutions.
One thing worth sorting out before you pick: are you managing personal money or business money? It's the question that decides everything else. A budgeting app tells you what you spent. A bookkeeping tool also has to survive a conversation with the Canada Revenue Agency (CRA) at year-end. Most people who ask for "a Mint replacement" actually need one or the other, not both.
Pricing below was current at the time of writing. These are third-party apps, so check each provider's page before subscribing.
ReInvestWealth
ReInvestWealth is a Canadian designed app for entrepreneurs, freelancers, and small business owners who need a user-friendly tool to manage their finances. You'll get most of the features you love from Mint, plus automation tools designed specifically for business owners. Promo Code "BYEBYEMINT" will get you 75% off and, you'll get access to a 24/7 AI Bookkeeper, receipt management, expense tracking and so much more.
Pricing: see the current plans on the pricing page. Best for: business owners, freelancers, and the self-employed.
Key features
Simple dashboard: ReInvestWealth offers a unified view of your business's financial health. Track expenses, monitor income, and analyze cash flow all in one place.
Expense tracking: Automatically categorize and track expenses in real-time. This feature makes it easier to monitor business expenditures and helps you to maximize your tax deductions.
Receipt management: Upload your receipts in bulk or straight from your smartphone, store them in-app, and auto-match them to transactions.
In-app tax filing: File GST, HST, and QST returns directly from the ReInvestWealth app, without exporting your numbers into another tool first.
Invoice management: Create, send, and track invoices, so you get paid on time while looking like a professional operation.
PocketGuard
PocketGuard helps categorize and organize your expenses, monthly bills, and subscriptions, letting you know how much disposable income you have left. This is the most similar alternative to Mint where you can connect banks, credit cards, loans and investments to track them in the app.
Pricing: PocketGuard Plus is about $74.99 USD per year, with a 7-day trial. There is no permanent free tier. Best for: people who mainly want to know what's safe to spend.
Key features
'In my pocket': shows the remaining amount you can spend after bills, debts, and budgets you've set.
Easy categorization: Automatically compiles your transactions from connected accounts and divides them into categories.
Fraud detection: Monitors transactions and alerts you if there's any suspicious activity so you can review it immediately.
YNAB
YNAB, which stands for 'You Need a Budget', has been around since 2004 and has grown into one of the most popular apps in the personal finance space. Its zero-based budgeting (ZBB) system makes sure every dollar is accounted for, allowing you to cover all expenses and keep overspending in check.
Pricing: around $110 USD per year, with a 34-day free trial. Best for: people who want a budgeting method, not just a dashboard.
Key features
Cross-platform: It's available on desktop, phone, and tablet and automatically syncs data among devices.
YNAB Together: Add up to 5 users under a single subscription to make group budgeting easier.
Goal tracking: Set financial goals like paying off debt or building savings, and track your progress in the app.
Neontra
Neontra is a Canadian personal finance app that aims to bring everything together including spending, budgeting, and investments. It keeps all your data in one place so you can easily manage your money and visualize your cash flow.
Pricing: a free plan is available, with paid tiers starting around $3.75 per month. Best for: Canadians who want investment tracking alongside budgeting.
Key features
Personalized insights: AI analyzes your data for a financial health check and provides actionable recommendations.
Data security: Neontra keeps personal and financial data safe with bank-level security and trusted technology.
Investment tracking: Measures performance and growth scenarios of your stocks, mutual funds, crypto, and other investments.
Monarch Money
Now available in Canada, Monarch Money offers features similar to Mint and more. It is an all-in-one platform to optimize your finances that lets you automatically track account balances, transactions, and investments.
Pricing: $99.99 USD per year or $14.99 USD per month, with a 7-day trial. Best for: households tracking finances together.
Key features
Data visualization: Displays reports, diagrams, and charts to see patterns and better understand where your money is going.
Customization: Create custom categories for your budget and personalize your dashboard with widgets to help you focus on key priorities.
Collaboration: You can invite unlimited collaborators, including a partner or financial advisor, to share your finances with.
Conclusion
The closure of Mint is indeed the end of an era, but there are alternatives to help you stay on track with your finances. When it comes to choosing the best Mint alternative, the ideal app or software depends on your specific needs. Are you a conscious consumer seeking a budget-focused app, or a busy entrepreneur juggling business finances?
For individuals, several options like PocketGuard and YNAB cover the essentials well. But for business owners seeking a comprehensive solution, ReInvestWealth stands out. It provides all the core functionalities you loved from Mint, plus a 24/7 AI Bookkeeper to streamline your books, free up your time, and let you focus on growth.
If your Mint habit was really about keeping business expenses straight, our guide to tracking business expenses in Canada picks up where a budgeting app stops.
Frequently asked questions
Why did Mint shut down?
Intuit, Mint's parent company, discontinued the service in 2024 to focus on other products, mainly Credit Karma. Existing users were prompted to migrate to Credit Karma, which covers spending and credit tracking but does not replicate Mint's full budgeting toolset.
What is the closest app to Mint in Canada?
For everyday budgeting, PocketGuard is the closest match: it connects to Canadian banks, credit cards, loans, and investments, and organizes them the way Mint did. Monarch Money is the closest for households that want shared access and richer reporting.
Is there a free Mint alternative in Canada?
Neontra offers a free plan, which makes it the easiest no-cost starting point for Canadians. Most other options run on paid subscriptions with a trial period rather than a permanent free tier.
Which Mint alternative is best for a small business?
A personal budgeting app tracks spending, but it will not produce the records you need at tax time. If you are self-employed or running a business, a bookkeeping tool like ReInvestWealth handles categorization, receipts, financial reports, and GST/HST/QST filing, which budgeting apps do not do.
Do these apps connect to Canadian banks?
All 5 options listed here work with Canadian financial institutions. Coverage still varies by bank and by app, so confirm your specific institution is supported before you commit to a paid plan.
Ready to replace Mint on the business side?
Connect your bank account and let the AI categorize your transactions into clean, CPA-level books, with receipts matched automatically and your sales tax return ready to file. Built by CPAs, rated 4.8 on Capterra, and used by 3,000+ entrepreneurs. Use promo code BYEBYEMINT for 75% off. Start free for 30 days
A note from our CPAs: This guide is educational and covers general information about budgeting and bookkeeping tools for Canadians. Product features and pricing change, so confirm the current details with each provider, and for advice on your own situation talk to your accountant. (If they use ReInvestWealth, they'll already have clean books to work from.)
Related reading: QuickBooks alternatives in Canada
Written by Behdad Karimi Dermeni, CPA
Co-founder of ReInvestWealth and a founding community builder at Stripe. Behdad built ReInvestWealth to give smart, busy entrepreneurs CPA-level accounting without the CPA-level price tag. Read more · Connect on LinkedIn
Reviewed by Maryam Ajorloo, CPA
Maryam Ajorloo is the co-founder of ReInvestWealth and a CPA who specializes in small business tax, sales tax, and everyday bookkeeping. She helps entrepreneurs keep clean, audit-ready books and make sense of write-offs, filing deadlines, and the numbers behind their business. Read more · Connect on LinkedIn
