Written by Behdad Karimi Dermeni, CPA · Reviewed by Maryam Ajorloo, CPA
The best replacement for Mint depends on what you used it for. For everyday personal budgeting, Monarch Money, YNAB, Empower, Rocket Money, and Quicken Simplifi are the strongest options. If you were really using Mint to keep an eye on a business or a side hustle, the right upgrade is an AI bookkeeper like ReInvestWealth, not another budgeting app.
Mint is gone. Intuit shut it down and pointed everyone toward Credit Karma, which is fine for checking your credit score and not much help for actually running your money. If you have been limping along with a spreadsheet and good intentions ever since, this guide sorts out the real alternatives to Mint software and which one fits you.
Before you pick a replacement at random, it helps to know exactly what job you are hiring it for. See how ReInvestWealth handles the business side if that is where Mint left the biggest hole.
What actually happened to Mint
Mint was a free personal finance app owned by Intuit, the same company behind QuickBooks and TurboTax. It let you connect your accounts, watch your spending, and set budgets, all in one place. In early 2024 Intuit retired it and moved users over to Credit Karma.
Here is the catch: Credit Karma was built to monitor credit and sell you loan offers, not to budget or track a business. So millions of people did not get a replacement so much as a redirect. That is why "replace Mint" is still one of the most searched money questions two years later. If Intuit's pricing also chased you off QuickBooks somewhere along the way, that is a related move worth reading about in our guide to the best QuickBooks alternatives for small business.
First, figure out what you used Mint for
The rule of thumb: pick your Mint replacement based on the job you were actually doing, not the app you lost. Most people used Mint for one of two very different reasons.
Personal budgeting. Watching where your paycheck goes, categorizing spending, setting savings goals, tracking net worth. A budgeting app replaces this cleanly.
Keeping an eye on a business or side hustle. Separating business spending from personal, tracking income and expenses for tax time, figuring out if you actually made money this quarter. A budgeting app does not really do this, which is why a lot of freelancers quietly outgrew Mint long before it shut down.
Sort yourself into one of those two buckets and the rest of this decision gets easy. Everything below is organized around it.
The best Mint alternatives for 2026
ReInvestWealth (best for business owners, freelancers, and side hustles)
If Mint was how you kept tabs on money that flows through a business, a budgeting app is a downgrade, not a replacement. ReInvestWealth is an AI bookkeeper built for small business owners and self-employed professionals in the United States. You connect your bank, and the AI Bookkeeper categorizes your transactions and keeps your books organized month to month, so there is very little left for you to do by hand.
That matters at tax time. A budgeting app can tell you that you spent money at an office supply store. It cannot hand you clean, income-tax-ready books or a real income statement. ReInvestWealth does the categorizing for you, matches your receipts in the Smart Shoebox (your receipt inbox), and produces financial reports without waiting for year-end. It was built by CPAs, so accuracy is the point, not just automation. The IRS expects businesses to keep records that support their income and deductions, and clean books make that painless instead of a March scramble.
This is the clearest gap in every other Mint-alternatives guide out there: they assume you are only budgeting your personal life. If you are running something, start here. See how it works and start a 30-day free trial.
Monarch Money (best overall for personal budgeting)
Monarch Money is the app most former Mint users land on, and for good reason. It was co-founded by Mint's original product manager, the account syncing is reliable, and the budgeting and net-worth tools are more polished than Mint ever was. It is a paid subscription with no free tier, which is exactly why it is not stuffed with loan ads.
Best for: anyone who wants the closest thing to "Mint but better" for personal and household finances.
YNAB (best for hands-on budgeters)
YNAB (You Need A Budget) takes a stricter approach called zero-based budgeting, where every dollar gets a job before you spend it. It has a learning curve and a paid subscription, but people who stick with it tend to become genuinely obsessed in a good way. It is popular with couples and anyone trying to break a paycheck-to-paycheck cycle.
Best for: people who want to actively change their spending, not just watch it happen.
Empower (best free option for net worth and investments)
Empower (formerly Personal Capital) offers a free dashboard focused on net worth, investment tracking, and retirement planning. If the part of Mint you miss most was watching your accounts and investments in one view, Empower actually does that better than Mint did. The budgeting tools are lighter than Monarch or YNAB.
Best for: tracking net worth and investments for free.
Rocket Money (best for cutting subscriptions)
Rocket Money connects your accounts, tracks spending, and is best known for finding and canceling the subscriptions you forgot you were paying for. There is a free tier for the basics and a paid tier for the extras. It is more of a spending-tracker-plus-cleanup-tool than a full budgeting system.
Best for: people who suspect they are bleeding money on subscriptions and want it to stop.
Quicken Simplifi (best Mint-like all-in-one)
Quicken Simplifi is a clean, beginner-friendly app that pulls everything into one place, which is the thing people loved about Mint. It is a paid subscription and leans toward personal money management rather than business.
Best for: budgeting beginners who want one simple dashboard.
A quick word on Credit Karma: since it is where Intuit sent Mint users, plenty of people assume it is the official replacement. It is not a budgeting tool. Use it to monitor your credit if you like, but pair it with one of the options above for the actual money work.
How to choose the right Mint alternative
You do not need to test all six. Match yourself to the shortlist and move on with your life.
You just want to budget your personal spending: Monarch Money or Quicken Simplifi for an all-in-one feel, YNAB if you want to get serious about it.
You mostly care about net worth and investments: Empower, and it is free.
You want to kill sneaky subscriptions: Rocket Money.
You run a business, freelance, or have a side hustle with real income and expenses: an AI bookkeeper like ReInvestWealth, so your books are tax-ready and not just color-coded.
One practical thing to know before you connect anything: when you link your bank to any of these tools, most pull only the last few months of history, not years. That surprises a lot of people who expected their full past to appear. If you need more history, you can usually bring it in by uploading bank statements. This is one of the most common questions we hear from people setting up a new system, so plan for it rather than being caught off guard.
How to switch from Mint in 4 steps
Moving off Mint is less painful than it sounds. Here is the whole process.
Find your old Mint data. Your Mint history migrated to Credit Karma when Intuit made the switch. If you exported a CSV back when Mint shut down, even better. It is useful for reference, but you do not strictly need it to start fresh.
Decide personal or business. Use the two-bucket test above. This single choice determines whether you want a budgeting app or an AI bookkeeper, and it saves you from picking the wrong category entirely.
Pick your tool and connect your bank. Sign up for the option that matched your bucket and connect your accounts so transactions start flowing in automatically. No more manual spreadsheet entry.
Backfill and organize. If you need older transactions, upload your bank statements to fill the gap. With ReInvestWealth, the AI Bookkeeper categorizes everything as it comes in, so your books stay current instead of becoming next spring's problem.
A couple of habits make any of these tools work better: keep a dedicated account for business spending so personal and business money never mix, and let the software connect to your bank instead of typing things in by hand. The whole point of leaving Mint behind is to stop doing this manually.
The bottom line
Mint leaving was annoying, but it forced a useful question: what were you actually trying to do with it? If the answer is personal budgeting, Monarch, YNAB, Empower, Rocket Money, and Quicken Simplifi are all solid, and you can be set up tonight. If the answer is anything to do with a business, you have a real chance to trade a budgeting app you outgrew for books that are actually ready for tax season.
More than 3,000 entrepreneurs already run their bookkeeping on ReInvestWealth, and it holds a 4.8-star rating on Capterra. What that means for you: if Mint was standing in for a bookkeeper, this is the upgrade that finally does the job it was never built to do.
Connect your bank account and let the AI categorize your transactions. CPA-level clean books, 30-day free trial. Start for free.
Frequently asked questions
What is the best free alternative to Mint?
For free personal finance tracking, Empower is the strongest option, especially for net worth and investments. Rocket Money also has a free tier for spending tracking and subscription management. If you run a business, free budgeting apps will not give you tax-ready books, which is where a dedicated bookkeeping tool comes in.
What replaced Mint?
Intuit shut Mint down and moved users to Credit Karma. Credit Karma monitors your credit but is not a budgeting or bookkeeping tool, so most former Mint users choose a separate replacement such as Monarch Money, YNAB, or, for business finances, an AI bookkeeper like ReInvestWealth.
Is there a Mint alternative for small business?
Yes. Budgeting apps like Monarch and YNAB are built for personal finances, not business books. If you are self-employed or run a small business, ReInvestWealth is an AI bookkeeper that connects to your bank, categorizes transactions automatically, and keeps your books ready for tax filing.
Can I import my old Mint data into a new app?
Your Mint data was migrated to Credit Karma. If you exported a CSV before the shutdown, some apps let you import historical transactions. In most cases the simplest path is to connect your bank to your new tool and upload past bank statements to fill in older history.
Do Mint alternatives connect to your bank automatically?
Most do. They use a secure bank connection to import transactions so you are not entering them by hand. Keep in mind that the initial connection usually pulls only the last few months of history, so plan to upload statements if you need more.
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 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
