Best Mint Alternatives in 2026
Mint shut down in March 2024, and two years later most of its users still haven't found a real replacement — because Credit Karma isn't one. The right alternative depends on what you actually used Mint for: budgets, net worth, or investments. We ranked the 7 best options for each.
Portfolio Genius Team
AI Portfolio Management Experts · Quantitative finance and portfolio optimization
When Intuit pulled the plug on Mint in March 2024, it pointed 3.6 million users toward Credit Karma — an app that kept the net worth view and dropped nearly everything else people opened Mint for. No category budgets. No spending trends worth the name. Two years on, “Mint alternative” is still one of the most-searched phrases in personal finance, because the migration never really ended.
The good news: the field has matured. Budgeting-first apps like Monarch and YNAB picked up Mint's spending tools and improved them, and investment-first dashboards now go far beyond the balances-only view Mint offered. If your Mint habit was mostly watching your portfolio and net worth, Portfolio Genius is built for exactly that — one dashboard for every brokerage account, with AI analysis on top — and you can get a free AI analysis without signing up. Full disclosure: we built it, so we're biased. We'll be specific about what each tool does and let you decide.
What Happened to Mint (the Short Version)
Intuit bought Mint in 2009, let it coast for a decade, and announced in late 2023 that it was shutting down. The app went dark on March 23, 2024. Users were offered a migration to Credit Karma — also owned by Intuit — which imported account connections and net worth history but not budgets or spending categories.
The export window is long gone: if you didn't download your Mint CSV before the shutdown, that data is unrecoverable. If you did save one, keep it — most of the apps below, including Portfolio Genius, can import CSV files.
The big divide: Mint did two jobs in one free app — budgeting your spending and tracking your net worth and investments. No single 2026 replacement does both well. Budgeting-first apps (Monarch, YNAB, Copilot) treat investments as an afterthought; investment-first tools (Portfolio Genius, Empower) don't do budgets. Decide which job matters more to you and pick from that column — or run one of each.
What to Look For in a Mint Replacement
Whatever camp you're in, the tools worth using in 2026 clear four bars:
Reliable account sync
Mint's connections broke constantly in its final years. Modern apps sync through Plaid or similar aggregators — connections should just work.
Depth where you need it
Real budgets with rollover and goals if you budget; real performance, risk, and allocation analysis if you invest. Not a shallow version of both.
Insight, not just data
Mint showed you numbers. The best 2026 tools tell you what the numbers mean — and what to do about them.
A business model you can see
Mint was free because it sold you credit cards. Apps with transparent subscriptions — or clearly free tiers — have less reason to push products at you.
The 7 Best Mint Alternatives, Compared
1. Portfolio Genius
AI-powered investment dashboard that consolidates your brokerage accounts, retirement accounts, and crypto into one view — then analyzes the whole portfolio and recommends what to do next.
Pros
- +Auto-syncs brokerages, 401(k)s, IRAs, and crypto via Plaid (2,400+ institutions)
- +AI analysis with specific trade recommendations, not just charts
- +Risk metrics, allocation breakdowns, and performance benchmarks Mint never had
- +Free AI portfolio analysis with no signup required
- +CSV and screenshot import if you'd rather not link accounts
Cons
- -No budgeting or bill tracking — it's investments only
- -Auto-sync requires the Premium plan (Lite uses CSV/manual import)
2. Monarch Money
The app most former Mint users landed on: budgets, cash flow, goals, and net worth in one place, with strong multi-user support for couples.
Pros
- +Closest overall feature match to what Mint offered
- +Flexible budgets, recurring transaction detection, and goal tracking
- +Shared access for partners at no extra cost
- +Imports old Mint CSV files
Cons
- -No free tier — subscription only after the trial
- -Investment view is basic: balances and allocation, no analysis or recommendations
3. Empower Personal Dashboard
Free net worth and investment tracker (formerly Personal Capital) with a solid retirement planner and fee analyzer.
Pros
- +Genuinely free account aggregation and net worth tracking
- +Retirement planner and investment fee analyzer
- +Handles brokerage and bank accounts in one dashboard
Cons
- -Expect sales calls for their 0.89% AUM advisory service
- -Spending tracking but no real category budgets
- -Shows you data without telling you what to do about it
4. YNAB
Zero-based budgeting with a devoted following: every dollar gets a job. A methodology as much as an app.
Pros
- +The most effective budgeting system if you commit to it
- +Excellent education, community, and support
- +Real behavior change for chronic overspenders
Cons
- -Steep learning curve compared to Mint's passive approach
- -No meaningful investment tracking
- -Among the pricier options for what it covers
5. Copilot Money
Beautifully designed money tracker with smart transaction categorization, built Apple-first.
Pros
- +Best-in-class design and daily-use experience
- +Machine-learning categorization that improves as you correct it
- +Budgets, subscriptions, and investment balances in one app
Cons
- -Apple-first — Android and web support lag behind the iPhone/Mac apps
- -Investment tracking is balances-only, with no analysis
- -No free tier
6. Rocket Money
Budgeting app best known for finding and canceling forgotten subscriptions and negotiating bills.
Pros
- +Subscription detection and cancellation actually works
- +Usable free tier for basic budgets and account tracking
- +Bill negotiation can offset the subscription cost
Cons
- -Premium price is choose-your-own within a range, which gets confusing
- -Bill negotiation takes a cut of savings
- -Light on investment tracking
7. Credit Karma
Intuit's designated Mint successor. Good for credit monitoring — but it never picked up Mint's budgeting tools.
Pros
- +Free credit score monitoring and account aggregation
- +Net worth view carried over from Mint
- +No subscription, ever
Cons
- -No category budgets — the feature Mint users actually relied on
- -Heavy credit card and loan offer promotion
- -No meaningful investment analysis
Mint Alternatives at a Glance
| App | Budgeting | Investments | AI Insights | Free Tier | Pricing |
|---|---|---|---|---|---|
| Portfolio Genius | Free AI analysis (no signup) | ||||
| Monarch Money | About $14.99/mo or $99.99/yr | ||||
| Empower Personal Dashboard | Free (wealth management from 0.89% AUM) | ||||
| YNAB | About $14.99/mo or $109/yr | ||||
| Copilot Money | About $95/yr | ||||
| Rocket Money | Free tier | ||||
| Credit Karma | Free (ad and offer supported) |
Competitor pricing and features change frequently — confirm current details on each provider's site before deciding.
If Investments Were Your Mint Habit, Here's the Upgrade
Mint answered “what do I own and what is it worth?” Portfolio Genius answers the question Mint never could: is my portfolio any good, and what should I change?
Every account, one dashboard
Brokerage accounts, 401(k)s, IRAs, and crypto sync automatically via Plaid from 2,400+ institutions — the multi-account view Mint had, minus the broken connections. See how auto-sync works.
AI analysis, not just balances
The AI flags concentration, gaps, and risk in your combined holdings and generates specific trade recommendations — which positions to trim, what to add, how to rebalance.
From insight to action
Act on suggestions yourself, test them in paper trading first, or automate execution through a connected brokerage — a spectrum Mint never touched. Our AI portfolio software guide covers how that compares.
Not ready to pay for anything? Start with the free AI portfolio tracker or browse the broader roundup of best portfolio trackers for 2026.
The Bottom Line
If you used Mint to budget, Monarch Money is the closest full replacement, YNAB is the pick if you want the budget to change your behavior, and Copilot is the nicest to live in on Apple devices. Rocket Money earns its spot if forgotten subscriptions are your problem, and Credit Karma is fine for what it actually is — a credit monitoring app.
If you used Mint to watch your net worth and investments, don't settle for a budgeting app's balances tab. Portfolio Genius gives you the consolidated dashboard Mint had, plus the analysis Mint never did. The fastest way to judge it is on your own holdings: get a free AI analysis — no signup required.
Frequently Asked Questions
What happened to Mint?
Intuit shut Mint down in March 2024 and directed users to Credit Karma, which it also owns. Credit Karma kept net worth and account aggregation but dropped Mint's budgets and category-level spending tools — which is why most former Mint users ended up looking elsewhere.
What is the best free Mint alternative in 2026?
Empower Personal Dashboard is the best free option for net worth and investment tracking. Rocket Money has a usable free tier for basic budgeting and subscription tracking. For investment analysis, Portfolio Genius offers a free AI portfolio analysis with no signup required.
Is Credit Karma a good replacement for Mint?
For most Mint users, no. Credit Karma shows your credit score, linked accounts, and net worth, but it doesn't offer Mint-style budgets or category-level spending controls. If budgeting was the reason you used Mint, Monarch Money or YNAB are much closer replacements.
What is the best Mint alternative for tracking investments?
Portfolio Genius is the strongest choice if investments are your focus: it consolidates brokerage accounts, 401(k)s, IRAs, and crypto into one dashboard and adds AI analysis with specific trade recommendations. Empower Personal Dashboard is a good free option if you only want passive net worth tracking.
Can I still export my old Mint data?
No. Mint's export window closed after the March 2024 shutdown, and Intuit has since deleted inactive Mint data. If you saved a CSV export before the shutdown, keep it — most alternatives, including Monarch Money and Portfolio Genius, can import CSV files.
Are Mint alternatives safe to connect to my bank and brokerage?
Reputable alternatives connect through aggregators like Plaid with read-only access — they can see balances and transactions but can't move money. Portfolio Genius uses Plaid for brokerage connections and never stores your login credentials; it also supports CSV and screenshot import if you'd rather not link accounts at all.
Replace the Half of Mint That Mattered Most
One dashboard for every brokerage account, with AI analysis and specific recommendations on top. No credit card, and you can try it without signing up.
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Portfolio Genius Team
Building AI-powered tools for smarter investing. Follow us on X/Twitter.