Mint Is Dead: 10 Best Mint Alternatives in 2025

Mint Shut Down — Now What?

Intuit shut down Mint.com in January 2024, leaving millions of users scrambling for alternatives. Mint was the original free personal finance app — it pioneered automatic bank sync, budget tracking, and credit score monitoring at no cost.

If you're looking for a Mint replacement in 2025, you have two types of options:

1. Bank-connected apps — like Mint, these sync automatically with your bank but require sharing login credentials
2. Privacy-first apps — you import transactions via CSV or enter manually; safer but requires more effort

Both approaches have merit. Here are the 10 best Mint alternatives, ranked by overall value.

1. PenniesTrack — Best Free Mint Alternative

Cost: Free forever (Pro $5.99/mo)

Bank sync: No (CSV/manual — more private)

PenniesTrack is the closest thing to a complete, free financial dashboard that respects your privacy. Unlike Mint, it never asks for your bank login credentials — you import transactions via CSV (every bank offers this) or enter them manually.

What you get free:

• Budget tracking with visual progress bars (like Mint's budgets)
• Spending reports — monthly and yearly breakdowns
• Net worth dashboard with 12-month trend chart
• All account types: checking, savings, credit cards, loans, investments
• Savings goals with progress tracking
• Subscription and recurring bill tracker
• Debt payoff planner
• Multi-currency — works outside the US

Where it beats Mint:

• Your bank login credentials are never shared with anyone
• Debt payoff planner (Mint never had this)
• Subscription tracker with monthly cost summary
• AI budget advisor (1 insight/month free)

Start free with PenniesTrack →

2. Empower (formerly Personal Capital) — Best for Investors

Cost: Free for tracking; paid for wealth management

Bank sync: Yes

Empower is the best Mint alternative if you have significant investments. It shows your portfolio alongside your budget, net worth trends, and a retirement planner. The tracking tools are free; they make money by upselling wealth management services.

Best for: People with investment accounts who want a comprehensive wealth view

3. Monarch Money — Best Premium Option

Cost: $14.99/month

Bank sync: Yes

Monarch Money was designed by the team behind YNAB and focuses on collaborative budgeting for couples. It has excellent bank sync, beautiful reports, and a good goal system.

Limitation: No free tier; expensive at $14.99/month.

4. Copilot Money — Best for Apple Users

Cost: $13/month

Bank sync: Yes (US only)

Copilot is built exclusively for iOS and macOS. It has exceptional automatic categorization powered by AI and a clean, modern interface. If you're in the Apple ecosystem and willing to pay, it's one of the best-designed apps available.

Limitation: iOS/macOS only; no Android; not available outside the US.

5. Rocket Money (formerly Truebill) — Best for Canceling Subscriptions

Cost: Free basic; $6-12/month premium

Bank sync: Yes

Rocket Money's signature feature is helping you identify and cancel unwanted subscriptions. It analyzes your transactions and flags recurring charges you might have forgotten about.

Best for: People who want help auditing their subscriptions

Limitation: Basic features only on free tier; premium required for full budgeting

6. YNAB — Best for Zero-Based Budgeting

Cost: $14.99/month

Bank sync: Yes

YNAB's zero-based budgeting method is genuinely effective for people who commit to it. Every dollar gets assigned a job, which creates powerful spending awareness.

Limitation: Expensive ($179/year); requires significant time investment to maintain

7. Simplifi by Quicken — Best for Detailed Reports

Cost: $5.99/month

Bank sync: Yes

Simplifi offers solid bank sync, customizable spending plans, and detailed reports. It's one of the more affordable bank-connected options.

Best for: Report-focused users who want bank sync at a lower price point

8. Goodbudget — Best for Envelope Budgeters

Cost: Free (limited); $10/month unlimited

Bank sync: No

Goodbudget's envelope budgeting method works well for disciplined budgeters. No bank sync — all manual entry — but it syncs between partners.

9. Spendee — Best International Option with Bank Sync

Cost: Free basic; $2.99/month with bank connections

Bank sync: Yes (US, Europe, and more)

Spendee is one of the few bank-connected apps that works in Europe and some Asian markets. The free tier is limited but functional for manual tracking.

10. Wallet by BudgetBakers — Best for European Users

Cost: Free basic; $4.99/month with bank sync

Bank sync: Yes (300+ European banks)

Wallet is particularly strong in Europe, connecting to hundreds of European banks. It supports family accounts and has solid reporting.

The Privacy Problem with Mint Alternatives

Most Mint alternatives require connecting your bank account, which means sharing your banking credentials (or authorizing OAuth access) with a third-party app. This creates real security risks:

• If the app is breached, your data is exposed
• Apps can analyze your spending data for advertising
• You're trusting a company's security practices with your most sensitive financial information

PenniesTrack's approach: Instead of bank sync, you download your bank's CSV export (every major bank offers this) and import it. Your banking credentials never leave your bank's website.

Comparison Table

Try PenniesTrack free — no bank login needed →