Best Mint Alternatives in 2026: An Honest Roundup
Mint shut down on March 23, 2024. Intuit pointed its millions of users toward Credit Karma, but the move only carried over account logins: budgets, custom categories, goals, and transaction history didn’t make the trip, and Credit Karma still isn’t a real budgeting app. More than two years later, people are still searching for a proper Mint replacement, and the good news is the options in 2026 are genuinely better than Mint ever was.
Full disclosure up front: we build MoneyMap, one of the apps on this list. Take that into account. But we use these other apps, we respect what they do well, and this roundup is written the way we’d explain it to a friend, including the places where MoneyMap is not the right choice.
Quick verdict: the best Mint alternative for each type of person
- Best all-around Mint replacement: Monarch Money, closest to Mint’s “everything in one place” feel, with web, iOS, and Android apps.
- Best design and iPhone/Mac experience: Copilot Money, the most polished app in the category, with excellent AI-driven categorization.
- Best free option / best for killing subscriptions: Rocket Money, a usable free tier plus bill negotiation (for a success fee).
- Best for strict, hands-on budgeting: YNAB, the zero-based budgeting method with a devoted following.
- Best for privacy and paycheck-based budgeting: MoneyMap, end-to-end encrypted so no company (including ours) can read your finances, and built around budgeting by paycheck instead of by calendar month.
Comparison table
| Monarch Money | Copilot Money | Rocket Money | YNAB | MoneyMap | |
|---|---|---|---|---|---|
| Price (at the time of writing) | $99.99/yr or $16.67/mo (Plus tier $199/yr) | $95/yr or $13/mo | Free tier; Premium $7–14/mo (you pick) | $109/yr or $14.99/mo | 7-day free trial, then subscription; one covers the whole household |
| Platforms | iOS, Android, web | iPhone, iPad, Mac, limited web | iOS, Android, web | iOS, Android, web | iPhone only |
| Privacy model | Server-side data, readable by the company | Server-side data, readable by the company | Server-side data, readable by the company | Server-side data, readable by the company | End-to-end encrypted; zero-access |
| Budgeting style | Flexible categories, monthly | Monthly categories, AI categorization | Simple monthly budgets | Zero-based envelope budgeting | By paycheck or by calendar month |
| Subscription tracking | Yes | Yes | Yes, plus paid bill negotiation | Limited | Yes, with bill calendar |
| Sharing | Unlimited household collaborators | Account sharing via magic link | Limited | Family Share, up to 6 | Partner sharing, one subscription per household |
Pricing changes often in this category, so treat the numbers as a snapshot and check each app’s site before subscribing.
Monarch Money: the closest thing to Mint
Monarch was founded by a former Mint product manager, and it shows. You get account aggregation, net worth tracking, flexible budgets, goals, and investment tracking across iOS, Android, and the web. At the time of writing it runs $99.99/year (or $16.67 month-to-month), with a newer $199/year Plus tier aimed at power users.
Where Monarch really shines is collaboration: you can invite your partner (or a financial advisor) as a full collaborator at no extra cost, and everyone sees the same live picture. If you’re coming from Mint and want the least friction (especially in a household with both iPhone and Android users), Monarch is probably your pick.
The trade-offs: there’s no free tier beyond a 7-day trial, and like Mint, your financial data lives on Monarch’s servers in a form the company can access. That’s normal for the industry, but it’s worth naming.
We wrote a full head-to-head at MoneyMap vs Monarch Money.
Copilot Money: the design leader for Apple users
Copilot is, frankly, the best-looking finance app on the market. It’s Apple-only (iPhone, iPad, and Mac, plus a limited web app added in late 2025), and it leans into that with a native feel Mint never had. Its machine-learning categorization is the best we’ve used: it learns from your corrections and gets eerily accurate over time.
At the time of writing Copilot costs $95/year or $13/month, with a one-month free trial and a single tier that includes everything. If you live on Apple devices and want a beautiful monthly-budgeting app, it’s a strong choice.
The trade-offs: no Android, no true multi-user household support (sharing means giving someone full access to your one account), and, again, your data sits readable on Copilot’s servers. Full comparison here: MoneyMap vs Copilot Money.
Rocket Money: the free-tier option with bill negotiation
Rocket Money (formerly Truebill) is the most popular “find and cancel my subscriptions” app. The free tier is genuinely usable: account connections, subscription detection, basic budgeting, and net income tracking. Premium runs $7–14/month on a pick-your-own-price model at the time of writing.
Its headline feature is bill negotiation: Rocket Money will haggle your cable or phone bill down for you, taking a success fee of 35–60% of the first year’s savings. If your main problem is forgotten subscriptions and bloated bills (and you don’t want to pay anything up front), Rocket Money earns its spot.
The trade-offs: budgeting is shallow compared to everything else on this list (the free tier caps you at two custom categories), the negotiation fees are steep, and it’s part of the Rocket Companies family, so expect cross-promotion of other financial products. Full comparison: MoneyMap vs Rocket Money.
YNAB: the methodology app
YNAB (You Need a Budget) isn’t really a Mint alternative: it’s a budgeting philosophy with software attached. Every dollar gets a job, you only budget money you actually have, and the app enforces the discipline. People who click with it love it and credit it with getting them out of debt.
At the time of writing it’s $109/year or $14.99/month with a generous 34-day trial, and one subscription covers up to six people via Family Share. The trade-offs: there’s a real learning curve, it’s the most expensive option here, and it’s weak on the “watch everything passively” side (investments, net worth) that Mint users are used to.
MoneyMap: the privacy-first pick (that’s us)
MoneyMap is our app, so here’s the honest pitch, limits first.
What MoneyMap doesn’t do: there’s no Android app and no web app; it’s iPhone-only. Bank connections are US-only. If your household is split between iPhone and Android, or you want to budget from a desktop browser, pick Monarch and don’t look back.
What MoneyMap does differently:
- End-to-end encryption, zero-access. Your data is encrypted on your device with 256-bit keys before it ever syncs. We literally cannot see your balances or transactions: not for support, not for analytics, not for anyone. Every other app in this roundup stores your financial data server-side in a form the company can read. If Mint’s shutdown taught us anything, it’s that your financial history shouldn’t live unencrypted on someone else’s servers. (Details on the architecture are on our security page.)
- Budget by paycheck. Most apps assume your money resets on the 1st. If you’re paid biweekly or semi-monthly, that’s not how your life works. MoneyMap lets you budget paycheck-to-paycheck, or by calendar month if you prefer.
- Offline-first. All data lives on your phone. The app works fully without internet.
- One subscription per household. Partner sharing (via a QR-code invite) is included; you don’t pay twice.
You also get the table stakes: Plaid connections to thousands of US banks (your bank login is never stored), automatic recurring bill and subscription detection with a calendar view, savings/debt/spending goals, net worth tracking, and Face ID lock. It’s subscription-based with a 7-day risk-free trial, and one subscription covers the whole household.
How to choose your Mint replacement
Ask yourself three questions:
- What devices does your household use? Any Android or heavy web use → Monarch or Rocket Money. All-Apple → Copilot or MoneyMap.
- How hands-on do you want to be? Passive tracking → Monarch or Copilot. Active, rule-based budgeting → YNAB. Paycheck-based planning → MoneyMap.
- How much do you care who can see your data? If “a company employee could technically read my transactions” bothers you, MoneyMap is currently the only mainstream option built so that no one can.
The bottom line
There’s no single “best Mint alternative.” Mint’s superpower was being free and doing everything adequately, and no one app has replaced that. Monarch is the safest all-around pick, Copilot is the nicest to use on Apple devices, Rocket Money is the best free start, YNAB is the best method, and MoneyMap is the pick if privacy and paycheck budgeting matter most to you.
If that last one sounds like you, download MoneyMap on the App Store and see how the paycheck budget feels risk-free for 7 days, then read exactly how the encryption works on our security page. Questions? We’re at support@moneymap.cc.