If you’re looking for Mint alternatives, there are plenty of options out there that can help you get your finances and savings accounts in order.
We all know that budgets have so many benefits, but it can be a hassle to do it all by hand.
Now that Mint is shutting down in January 2024, our poor go-to budget app for 12 years, it’s time to find other apps for all of us to use!
We researched the best Mint alternatives, and there are some budgeting apps and other programs to help you with money management.
- My New Budgeting App & Top Pick – Empower
- Very Professional Budgeting Tool – Quicken
- Intuit Recommends – Credit Karma (Hint- it has no budgeting tools!)
15 Best Mint Alternatives
I’m so sad to say goodbye to the Mint app, but the show must go on- we need a new app to keep budgeting.
Here are my top picks for the best Mint alternatives that you should try in 2024:
1. Empower (Formerly Personal Capital)
It’s free to use on phones and tablets, so people can manage their money in multiple bank accounts, credit cards, and investments on the go.
It’s also very easy to link your financial accounts in one place with Empower, which makes it easier to keep track of account balances and more.
Empower links to all of your financial institutions, helps you track spending money, creates a monthly budget, and suggests methods to save more.
The Empower personal dashboard also has tools for investment accounts and retirement planning, plus live advisors are available to answer your questions 24/7 a week.
Quicken is the most sophisticated personal finance software available to show your cash flow, according to many consumers.
It offers investment tracking, linking your financial institutions, and figuring out your net worth.
You can access your financial accounts in one place, see how much cash you have, pay any outstanding bill payments that you may have, and much more from this dashboard.
Quicken isn’t free, however– costs $34.99 a year at a basic plan.
They save your information on a storage server, but you can also download transactions and documents to your computer to manage your finances, check tax obligations, and more.
3. Credit Karma
Currently, you can’t use Credit Karma to create and manage monthly budgets, but it’s still capable of viewing your finances.
It gives you an overall view of your bank accounts and money, where you can track spending with their pre-made categories (can’t categorize expenses yourself).
Credit Karma does make suggestions on how to handle finances to improve your credit score, which can be very helpful for users.
4. You Need A Budget (YNAB)
For people who want to improve their money habits and create financial plans, You Need a Budget is an excellent choice.
The goal of the program is to help you plan ahead, set a budget, and avoid making large purchases. YNAB follows a system called “aging your money.”
It means that money from your income from last month will cover this month’s expenses, and so on forever.
It’s a great way to avoid living from paycheck to paycheck and slowly build up your savings account.
You can test it out with an interactive 34-day free trial, no credit card is needed, but it is a paid service after your trial, which may affect your pick on this one.
The monthly cost is $14.99 per month; however, if you want annual billing, you can get it for only $99 per year.
Read more about the pricing and features in my YNAB Review.
Another effective Mint alternative is Mvelopes, which helps you to build a budget and allows you to integrate your bank accounts to help you stay on top of your spending habits.
Mvelopes uses the envelope budgeting method, where you distribute every dollar into categories (or virtual envelopes) that you consider important and then spend as little as possible from them.
Syncing transactions is also automated, which makes it easy to see where you are with your “envelopes” spending at any moment in time.
Mvelopes offers three different monthly budget plans: $6, $10, and $20 per month, depending on which plan you choose.
The most inexpensive one comes with limited features, while the other plans have additional bells and whistles.
Mint was a very popular personal budgeting app, but some people want something different for their needs- that’s where Tiller comes in.
Tiller Money is an alternative to Mint that enables you to view and manage your existing financial information in an automated daily spreadsheet, which is then saved and updated.
It uses Google Sheets and Excel templates as budget spreadsheets, so you can manage all things in one place.
Tiller Money also transfers your Mint data easy-peasy to make the transition away from Mint a bit easier.
You can sign up for a 30-day trial. After your free trial is up, you’ll be charged $79 per year (about $6.98 a month).
MoneyPatrol is another Mint alternative that lets you build a budget for your money by allowing you to define spending categories.
It keeps track of how much money you spend in each category and whether or not it fits with your planned expenses.
The MoneyPatrol’s strong financial tracking system automatically sorts your transactions into spending classes and labels them according to the merchant once you link your accounts.
Another feature is the ability to create monthly and weekly budgets while keeping track of account balances and running important reports.
The service is free for the first 15 days, but after that, it costs $84 per year or about $7 each month.
I you’re looking for an alternative app that stands out, PocketSmith may be perfect for you.
PocketSmith is a budgeting app that allows you to manage your finances from anywhere. It’s never been easier to stay organized and get ahead of your finances on the go.
This program will help you set up budgets and calendars for the future months with ease – it even tracks one-time expenses and income so there are no surprises!
This app has a lot of features, including one that lets you analyze your spending habits and generate financial forecasts.
The “What Happens If” section is really helpful because it explains what would happen to budgets if there were changes in income or other planning tools!
Banktivity is a native application for Apple’s macOS operating system that manages your bank accounts- no matter what Apple product you’re using.
It’s the ultimate money management app. Not only does it support multiple currencies, but you can make bill payments and monitor investments within Banktivity as well!
The “tagging” feature allows users to track different expenses under one broader category like transportation, food, or one bank account.
It makes life way easier in general when trying to stay on top of spending habits without overdoing anything at once!
With its free 30-day trial period that will give you everything, you’ll be able to explore this money management app to see if it’s right for you.
Goodbudget is another Mint alternative offering “envelopes” for saving, similar to Mvelopes.
The envelope system is an age-old budgeting technique because it forces users to think about what they’re spending their money on before actually creating expenses.
It helps you create envelopes for monthly and future spending, even infrequent categories like birthday shopping or auto maintenance, so you can stay on top of your finances!
With the free version, you can have up to 20 envelopes with one account and two devices- you must manually add account balances to your envelopes.
The paid version of GoodBudget is $7 a month or $60 annually and comes with unlimited envelopes, unlimited accounts, and five devices.
Moneydance has taken Quicken’s functionality while leaving out outdated software, resulting in an interface that looks sleek and clean.
The most appealing program for individuals who want to create their own extensions and personalize them as they choose is MoneyDance.
You can do that with an open API by using a free, downloadable Extension Developer’s Kit.
MoneyDance has many features, including budgeting and tracking investments. With the app, you may track your expenses and invoices. There’s also free bill pay to schedule upcoming bills!
Simplifi is a new mobile budgeting app by Quicken that helps you manage your money better.
It does this by analyzing what expenses and incomes are coming in, all your bills and money, so it can create an effective spending plan for the future months ahead of time!
You’ll be able to identify recurring subscriptions or other regular payments like rent before they happen, giving you a heads-up on your budget.
There’s no cost for the first month, so if it doesn’t work well with your schedule or needs, then simply cancel before the trial period ends!
Simplifi helps with budget tracking by automatically categorizing your expenses and keeping tabs on what is coming up in the future. You can also set savings goals to help you reach your goals faster.
CountAbout was created for users wary of Mint and Quicken. Users can input financial data directly from Quicken and Mint using the Internet application.
You can use CountAbout to upload your Mint data and pick up right where you left off with your budgets.
It doesn’t have tools to track investing accounts, but it does provide basic financial information and tools to know your net worth and start saving.
Basic memberships start at $9.99 per year, or Premium memberships are $39.99 per year, but you can give it a test run with their 45-day free trial.
Here’s EveryDollar, for all you Dave Ramsey fans looking for Mint alternatives!
It works off the principle of zero-based budgeting, which gives every dollar a job and guides you through Dave Ramsey’s well-known Baby Steps.
For those who are new to budgeting, this is a fantastic way to ease you into it while also keeping the focus on your financial goals. It helps you to take control of your financial health in a proactive, planned way.
There is a free version, as well as paid versions, that come with added features such as phone support or automated transaction imports/downloads.
There are three tiers, a 3-month, 6-month, and 12-month tier, for the Ramsey+ Premium Versions, with prices starting at $59.99 and going up to $129.99.
15. Budgeting Templates
While there is no one perfect way to budget, many people find that traditional budgeting templates are the best fit.
Besides a free app, there are free printable budget templates for you to try budgeting the old-fashioned way.
With a traditional spreadsheet, you can set up your budget any way you want and even use Google Sheets rather than Excel if you prefer.
My Budgeting Template is a great example for those looking for something easy to use; grab your freebie version of it right here!
I also have a Budget Binder that will change your lives for the better- just like it improved ours!
Is it better to budget digitally or physically?
It’s a tough question to answer because there are pros and cons for both.
Many people prefer using physical spreadsheets and notebooks to track their budgets because they can customize them any way they want and have more flexibility than with digital versions.
However, some people find tracking expenses on a spreadsheet takes too much time.
Using budgeting apps is easy because they sync with your bank accounts, track all your money for you, and help you create budgets.
Which Mint alternatives are most similar to Mint?
Mint users like Kelan and I have a short time to get another app ready for 2024- Mint is shutting down but we still need to budget!
The best personal finance software that is most similar to Mint is Empower (Personal Capital), in my opinion.
I value how much it can help you with your retirement and investment accounts.
Empower lets you connect all of your brokerage accounts, checking accounts, savings accounts, and loans into one place.
You can also link retirement accounts like 401Ks or IRAs so that Empower can calculate your net worth.
Mint actually recommends using Credit Karma, but if you want access to budgeting tools and ways to save money, Credit Karma isn’t what you’re looking for yet, at least!
Credit Karma is better if you want to view your spending but not make a budget, and can help you improve your credit score rather than spending habits.
What options are free for budgeting and personal finance?
Mint users may be mostly into free options- we got used to free budgeting, after all!
You can get a free budgeting tool that’s ideal for tracking your net worth monthly income and budget without spending a dime.
Some of the free budgeting and personal finance tools are:
- Empower (my top budgeting tool now, RIP Mint)
- Budget templates using Google Sheets or Excel
Can any of these apps offer investment tools?
The best Mint alternatives that have investment tools are:
Learning how to live frugally is the best money hack that can lead you towards financial freedom. Making small, everyday changes in the way you spend money can add up to a huge difference over time.
For example, if you’re spending $15 on takeout for dinner every week, then consider buying ingredients and cooking at home. Same quality, more quantity, but it’s cheaper!
Similarly, if you enjoy going out with friends, look for free music festivals in your area where you can spend time together.
Save More, Spend Less
Having more money isn’t just about increasing your cash flow with side hustles and better-paying jobs.
It makes sense- the less you spend, the more cash you have for the future.
You can save money without changing your lifestyle drastically, freeing up more of your income for savings and investments.
Look for ways that you can save money without compromising all the time. Small changes can have a big impact over time!
Avoid Lifestyle Inflation
When people start earning more money, they tend to upgrade their standard of living. This is known as lifestyle inflation, and it’s one of the biggest threats to maintaining a stable financial situation.
The best way to avoid lifestyle inflation is to embrace what you already have. If you get a big raise at work, avoid lifestyle inflation by funneling any extra money into your emergency fund.
Once your emergency savings are fully funded, then consider putting some of it towards larger goals like homeownership, investments, or retirement.
Have a hard time keeping your finances in check? Mint is not the only option for personal finance software out there that may help you.
You can find other programs to help you organize and manage your money, avoid debt, keep track of spending habits, calculate budgets, save money on taxes or create an emergency fund.
If you’re looking for some alternatives that will work better than Mint for your needs, then one of the Mint alternatives we mentioned might help!