Best Mint Alternatives in 2026 (After Mint Shutdown)

Mint shut down in January 2024, leaving millions of users searching for an alternative. After testing 15+ budget apps, here are the 7 best Mint replacements ranked by value, ease of use, and features.

Quick comparison table

1. Monthli - Best overall Mint alternative

Price: €3/month (€36/year)

Best for: Europeans, privacy-focused users, simple monthly budgeting

Why it's the best

• Affordable - 5× cheaper than most alternatives
• Privacy-first - No ads, no data selling, GDPR-compliant
• Simple - Ready in 5 minutes, no learning curve
• Manual entry - No bank login required

Drawbacks

• No automatic bank sync (yet)
• No investment tracking
• Fewer features than premium apps

Bottom line

If you want Mint's simplicity without ads or data selling, Monthli is perfect. It costs €36/year (less than 3 coffees per month) and respects your privacy.

Try Monthli free →

2. Rocket Money - Best for canceling subscriptions

Price: $6–12/month (varies by negotiated rate)

Best for: People drowning in subscriptions

Why it's good

• Finds hidden subscriptions automatically
• Cancels for you - one-click cancellation
• Negotiates bills - lowers cable, internet, phone bills

Drawbacks

• Variable pricing (they negotiate your rate)
• Requires bank login
• More expensive than Monthli

3. YNAB - Best for detailed budgeting

Price: $14.99/month ($109/year annual plan)

Best for: People who want a proven budgeting system

Why it's good

• Proven methodology - "Give Every Dollar a Job"
• Strong community - forums, workshops, YouTube content
• Educational - teaches you how to budget

Drawbacks

• Expensive - $109–180/year
• Steep learning curve - 2–4 hours to learn
• Complex - overkill for simple budgeting

Read full YNAB vs Monthli comparison →

4. Monarch Money - Best for premium users

Price: $14.99/month ($99/year annual plan)

Best for: High earners who want beautiful design

Why it's good

• Beautiful UI - best-designed budget app
• Net worth tracking - all accounts in one place
• Investment tracking - stocks, crypto, retirement

Drawbacks

• Expensive - $100–180/year
• US/Canada focused - bank sync limited internationally
• Overkill - too many features for simple budgeting

Read full Monarch vs Monthli comparison →

5. EveryDollar - Best for Dave Ramsey fans

Price: $17.99/month ($215/year)

Best for: Debt payoff, Dave Ramsey methodology

Why it's good

• Zero-based budgeting - every dollar has a job
• Debt snowball - built-in debt payoff calculator
• Ramsey integration - connects with Financial Peace University

Drawbacks

• Most expensive - $215/year
• Requires Ramsey buy-in - methodology not for everyone
• Limited features outside debt payoff

6. PocketSmith - Best for forecasting

Price: $12.95/month ($155/year premium)

Best for: Long-term financial planning

Why it's good

• Calendar view - see all transactions on timeline
• 30-year forecasting - predict finances decades ahead
• Scenario planning - "what if" calculations

Drawbacks

• Complex - 1–2 hour learning curve
• Overkill - most people don't need 30-year forecasts
• Expensive for simple budgeting

Read full PocketSmith vs Monthli comparison →

7. Goodbudget - Best free envelope budgeting

Price: Free (limited) or $8/month

Best for: Envelope budgeting enthusiasts

Why it's good

• Free tier available - 20 envelopes, 1 year history
• Envelope system - digital version of cash envelopes
• Simple - easy to learn

Drawbacks

• Limited free version - only 1 account, 20 envelopes
• No bank sync - manual entry only
• Basic features - lacks charts, reports, insights

Which Mint alternative should you choose?

Choose Monthli if:

• ✓You want affordable, simple budgeting (€3/month)
• ✓You value privacy (no ads, GDPR-compliant)
• ✓You're in Europe or prefer EUR
• ✓You don't need automation

Choose Rocket Money if:

• ✓You have too many subscriptions
• ✓You want automatic cancellation
• ✓You need bill negotiation

Choose YNAB if:

• ✓You want proven methodology
• ✓You have time to learn the system
• ✓You don't mind paying $109/year

Choose Monarch if:

• ✓You're a high earner
• ✓You want beautiful design
• ✓You track investments

What most Mint users actually need

Mint was popular because it was:

• Free (ad-supported)
• Simple to use
• Good enough for basic budgeting

Most Mint users don't need:

• ✗30-year forecasting (PocketSmith)
• ✗Complex methodology (YNAB)
• ✗Investment tracking (Monarch)
• ✗Debt snowball calculators (EveryDollar)

They just need simple monthly budgeting.

That's why Monthli is the best Mint alternative for most people. It's affordable (€36/year), simple (5 min setup), and private (no ads).