When Mint shut down in March 2024, millions of people lost the one free app that tracked their budget, net worth, bills, credit score, and investments all at once. Two years on, the honest truth has not changed: no single app has replaced everything Mint did for free. The free-and-everything model died with Mint.
So the right move is not to find one perfect clone. It is to pick the app that matches what you actually used Mint for. Here are the best Mint alternatives in 2026, grouped by what they do best.
First, what Mint actually did
Part of why Mint is hard to replace is that it quietly did five different jobs. Most alternatives do two or three of them well. Knowing which ones you care about is the fastest way to choose.
The best Mint alternatives, by what you need
Monarch Money, the closest all-round replacement
If you want the app that feels most like Mint, it is Monarch. It handles budgeting, net worth, bills, and investments in one polished dashboard, and it is built for couples and households sharing finances. It costs about 14.99 dollars a month, or less billed annually. Monarch is the safe pick if you want one paid app that does most of what Mint did.
YNAB, for strict, hands-on budgeting
YNAB is the choice for people who want to change their spending, not just watch it. Its zero-based method has you give every dollar a job, and for committed users it genuinely works. There is no free plan, and it costs 109 dollars a year. For a deeper look at how it compares to an automated option, see our YNAB vs Rocket Money guide.
Rocket Money, for subscriptions and a free start
If your main goal is to stop leaking money on forgotten subscriptions, Rocket Money is the standout. It tracks spending, cancels unwanted subscriptions, can negotiate bills, and starts free, with an optional Premium tier. It is the easiest, lowest effort entry point on this list.
Empower, for free net worth and investment tracking
If Mint was mostly your net worth and investment dashboard, Empower fills that gap well, and it is free. It leans toward tracking wealth and investments rather than strict budgeting, so it suits people whose focus is growing and watching assets.
Copilot, for beautiful tracking on Apple
Copilot is a favourite among iPhone and Mac users who want a gorgeous, intelligent spending tracker with automatic categorisation. It is Apple only and paid, but the design and daily experience are hard to beat.
Goodbudget, for envelope budgeting on a free plan
If you like the classic envelope method, where you divide your income into categories and spend from each, Goodbudget does it cleanly and has a usable free tier. It is manual by design, which many people find focuses them.
If your money problem is really a life problem
Here is something the Mint alternatives above rarely say out loud. For a lot of people, the issue was never a lack of budgeting features. Mint showed the spending clearly, and the overspending happened anyway.
That is because spending is tangled up with the rest of your life. You spend more in the weeks you sleep badly, when you are stressed, when your routine falls apart and there is no time to cook. A pure budgeting app can show you the damage, but it cannot see the cause, because the cause lives in your sleep, your habits, and your calendar.
KeepMeWise, the all-in-one that connects money to life
KeepMeWise is the pick for people whose spending is really about everything else. It handles the money basics, budgets, bills, cashflow, net worth, and bank sync on its paid tier, but its real difference is that it keeps your finances in the same place as your sleep, habits, mood, and health, and looks for the links.
So instead of only seeing that you overspent, you can see that you overspent on the weeks you slept under six hours, or that your impulse buys cluster on your most stressful days. An assistant named Iris reads across everything and surfaces those patterns in plain language. It starts free and keeps your last 30 days, with more history and features on its paid plans. If budgeting apps keep failing you for reasons that are not really about budgeting, see how KeepMeWise connects the dots.
How to pick in one minute
- Want the closest all-round Mint replacement? Monarch Money.
- Want to actually change your spending? YNAB.
- Want to kill subscriptions and start free? Rocket Money.
- Mostly tracked net worth and investments? Empower.
- Love envelope budgeting? Goodbudget.
- Suspect your spending is tied to your sleep, stress, and habits? KeepMeWise.
Frequently asked questions
What is the best free Mint alternative in 2026? There is no single free app that does everything Mint did. For free net worth and investment tracking, Empower is strong. For a free start with subscription tracking, Rocket Money works well. For envelope budgeting, Goodbudget has a good free tier. KeepMeWise also has a free plan that covers the money basics alongside the rest of your life.
What replaced Mint most closely? Monarch Money is the closest all-round replacement, covering budgeting, net worth, bills, and investments in one app, with strong support for couples and households. It is a paid app at about 14.99 dollars a month.
Why do budgeting apps keep failing me? Often because overspending is driven by things a budget cannot see, like poor sleep, stress, or a broken routine. Apps that connect your money to your sleep, habits, and mood, such as KeepMeWise, can surface those causes so you can fix the real problem, not just track the symptom.
Is my financial data safe in these apps? Reputable alternatives use bank-level encryption and read-only connections. KeepMeWise encrypts sensitive fields and never sells your data or uses it to train models. Always check each app's security and privacy policy before connecting your accounts.
Sources: CNBC Select, WalletHub, and each provider's official pricing pages. Prices verified for 2026 and subject to change.