Best Mint Alternatives in 2026
Last updated: 2026-10-31
Mint was the go-to free budgeting app for over a decade before Intuit shut it down in early 2024 and merged users into Credit Karma. The transition stripped out core budgeting features, replaced them with credit card ads, and left millions of users looking for a proper replacement. If you're still searching for the right one, here are seven alternatives that actually focus on expense tracking.
Why People Look for Mint (Credit Karma) Alternatives
Mint is gone. Credit Karma kept the data but gutted the budgeting tools, replaced spending insights with credit product ads, and shifted the entire experience toward credit monitoring. If you want an app that actually tracks your expenses, categorizes spending, and helps you understand where your money goes without upselling you a credit card every five minutes, the alternatives below deliver what Mint used to.
Top Mint (Credit Karma) Alternatives
Graiden
Expense tracker that reads your bank-alert emails and e-receipts, with no bank login
Graiden gives you what Mint was best at, automatic expense tracking, through a completely different mechanism. Instead of bank syncing, you set up email auto-forwarding once and AI handles extraction and categorization from every receipt email going forward. It also supports Apple Pay tracking via Apple Shortcuts and manual entry when needed. No bank credentials shared, no ads, no credit card upsells. The honest tradeoff: it only captures purchases that generate email receipts, so cash transactions need manual entry. But for most card-based spenders, the coverage is solid and the effort is genuinely zero after setup.
Strengths
- On Pro (and free for the first 7 days), no typing: forwarded bank alerts and e-receipts are logged and categorized for you (unlimited)
- No bank login or account linking, on any plan
- Reads Singapore bank alerts from DBS/POSB, PayLah!, UOB, OCBC, Standard Chartered, Citi and Trust
- Works with any email provider and any purchase receipt
Limitations
- Free plan reads forwarded emails automatically for only the first 7 days; after that it's manual entry unless you pay for Pro
- No bank sync: it only sees purchases that send an alert email or e-receipt, so cash needs manual entry
- Web and Android apps only; no iPhone app on the App Store (on iPhone you use the web app)
Monarch Money
Modern financial planning for households
Monarch Money is the most complete Mint replacement on the market. Bank syncing, budgets, investment tracking, bill management, net worth monitoring, and a clean dashboard. It does everything Mint did and more, minus the ads. At $14.99/month it's not free like Mint was, but you're paying for a proper finance tool instead of being the product. Collaborative features for couples are a bonus Mint never had.
Strengths
- Partners and household members at no extra cost
- Clean, modern interface on web, iOS and Android
- Investment and net worth tracking
- Strong bank sync for US and Canadian institutions
Limitations
- No free plan, only a 7-day trial
- Requires linking your bank accounts
- Works with USD and CAD accounts only; no Singapore banks
PocketGuard
See how much you have 'In My Pocket' to spend
PocketGuard's free tier offers basic bank-synced expense tracking, making it the closest thing to Mint's free model. The 'In My Pocket' safe-to-spend feature distills your finances into a single useful number. The free version is limited, but for casual tracking it covers the basics that most Mint users relied on. Plus at ~$7.99/month unlocks full functionality.
Strengths
- Intuitive 'In My Pocket' safe-to-spend number
- Automatic bank sync (US, Canada and UK institutions)
- Web, iPhone, Apple Watch and Android
- Bill negotiation through its partner Billshark
Limitations
- No free plan, only a 7-day trial
- Requires linking your bank accounts
- No Singapore bank support mentioned
Copilot Money
Smart money tracker with beautiful design
Copilot Money picks up where Mint left off with a premium, ad-free experience. Bank syncing, AI-powered categorization, real-time notifications, and investment tracking wrapped in an exceptionally designed iOS app. If you're in the Apple ecosystem, this is the polish upgrade from Mint's increasingly neglected interface. The catch: iOS and Mac only, and $14.99/month. No Android, no web.
Strengths
- Exceptional design and user experience
- AI-powered categorization and spending insights
- Home-screen widgets and real-time notifications
- Investment and net worth tracking
Limitations
- iPhone, iPad, Mac and web only; no Android app
- US-based accounts only
- Requires linking your bank accounts
Goodbudget
Digital envelope budgeting
If you actually used Mint's budgeting features and not just the spending overview, Goodbudget's digital envelope system gives you more structure. The free tier supports 10 budget categories with couples sync, which is enough for most people. It requires manual entry on the free plan, but you get real envelope-based budgeting that Mint never properly delivered. Plus plan adds bank sync at $8/month.
Strengths
- Simple, intuitive envelope system
- Share a budget across devices (2 free, 5 on Premium)
- Free plan with no time limit
- Web, Android and iPhone
Limitations
- Manual entry on the free plan
- Bank sync is Premium-only and US banks only
- Free plan keeps 1 year of history and 1 account
EveryDollar
Dave Ramsey's zero-based budget app
EveryDollar follows Dave Ramsey's zero-based budgeting philosophy with a strong focus on the debt snowball method. The free version is manual-entry only, but if you're specifically trying to get out of debt using a structured system, the Ramsey framework is proven. Just be aware that Premium ($17.99/month via Ramsey+) is expensive, and the entire app is heavily branded with Ramsey's philosophy. Good if that resonates, limiting if it doesn't.
Strengths
- Simple zero-based budgeting, free for as long as you want
- Follows Dave Ramsey's debt-free system
- Bank connect on Premium
- Household feature lets couples share one budget
Limitations
- Manual entry on the free version
- Heavily branded with Ramsey philosophy
- Ramsey Solutions doesn't sell outside the US
Quick Comparison
| Feature | Graiden | Monarch Money | PocketGuard | Copilot Money | Goodbudget | EveryDollar |
|---|---|---|---|---|---|---|
| Price | Free tier; Pro US$24.99/yr or US$2.99/mo | $14.99/mo | Free + ~$7.99/mo | $14.99/mo | Free + $8/mo | Free + ~$17.99/mo |
| Automatic tracking | Yes (email auto-forwarding) | Yes (bank sync) | Yes (bank sync) | Yes (bank sync) | Plus only | Premium only |
| Bank connection required | No | Yes | Yes | Yes | Plus only | Premium only |
| Ads | None | None | Minimal | None | None | None |
| AI categorization | Yes | Basic | Basic | Yes | No | No |
| Free tier | Yes | No | Yes (limited) | No | Yes (10 envelopes) | Yes (manual only) |
| Platforms | Web, Android | iOS, Android, Web | iOS, Android, Web | iOS, Mac only | iOS, Android, Web | iOS, Android, Web |
Common questions
What happened to Mint?
Is there a free Mint alternative?
Which Mint alternative doesn't require bank access?
Can I get my old Mint data?
Expense tracking that does itself
Set up auto-forwarding once and every purchase is logged and sorted for you. No bank login, no typing, no spreadsheets. Free to start.
