Best Mint Alternatives in 2026
Last updated: 2026-03-07
Mint was the go-to free budgeting app for over a decade before Intuit shut it down in early 2024 and merged it into Credit Karma. If you're a former Mint user still looking for the right replacement, here are the best alternatives — including some that improve on what Mint offered.
Why People Look for Mint (Credit Karma) Alternatives
The Mint-to-Credit Karma transition frustrated millions of users. Key budgeting features were removed, the interface changed dramatically, and the focus shifted to credit monitoring and financial product ads. Former Mint users typically want three things from a replacement: automatic expense tracking, easy categorization, and minimal ads. Here are apps that deliver.
Top Mint (Credit Karma) Alternatives
Graiden
Auto expense tracking via email — set up once, track forever
Graiden gives you Mint's core value — automatic expense tracking without manual entry — through a completely different mechanism. Instead of bank syncing, you set up email auto-forwarding once and AI handles extraction and categorization automatically from that point forward. It also supports Apple Pay tracking via Apple Shortcuts. The biggest upgrade over Mint: no bank credentials shared, no ads, no credit card upsells, and truly zero ongoing effort after the initial setup.
Strengths
- Truly automatic — one-time auto-forwarding setup, then completely hands-free
- Zero manual data entry
- No bank login or credentials needed
- AI-powered automatic categorization
Limitations
- Newer app, still expanding feature set
- Only tracks purchases that generate email receipts
- No bank sync for cash transactions (by design — privacy focused)
Monarch Money
Modern financial planning for households
Monarch Money is the most complete Mint replacement. It offers bank syncing, budgets, investment tracking, bill management, and a clean dashboard — essentially everything Mint did, but with a paid subscription instead of ads. At $14.99/month it's not free, but you also won't be bombarded with credit card offers.
Strengths
- Excellent collaborative features for couples
- Clean, modern interface
- Investment tracking included
- Net worth tracking
Limitations
- Expensive subscription with no free tier
- Requires bank credentials for all linked accounts
- No zero-based budgeting methodology
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 to Mint's free model. The 'In My Pocket' safe-to-spend feature is genuinely useful. The free version is limited, but for casual tracking it covers the basics Mint users expect.
Strengths
- Intuitive 'In My Pocket' safe-to-spend feature
- Automatic bank sync
- Bill negotiation on Plus plan
- Clean, simple interface
Limitations
- Requires bank login credentials
- Free version is very limited
- Categorization can be unreliable
Copilot Money
Smart money tracker with beautiful design
Copilot Money picks up where Mint left off with a premium, ad-free experience. Bank syncing, smart categorization, and investment tracking in a beautifully designed iOS app. The cost is higher than free Mint, but the experience is leagues ahead.
Strengths
- Exceptional design and user experience
- AI-powered spending insights
- Real-time transaction notifications
- Investment and net worth tracking
Limitations
- iOS and Mac only — no Android or web
- Expensive subscription
- Requires bank credentials
Goodbudget
Digital envelope budgeting
If you actually used Mint's budgeting features (not just the spending overview), Goodbudget's envelope system gives you more structure. The free tier supports 10 budget categories — enough for most people. It requires more manual effort than Mint did but gives you tighter control.
Strengths
- Simple, intuitive envelope system
- Syncs across devices for couples
- Free tier available
- Debt tracking tools
Limitations
- Manual entry required on free plan
- No bank sync on free tier
- Dated interface design
Quick Comparison
| Feature | Graiden | Monarch Money | PocketGuard | Copilot Money | Goodbudget |
|---|---|---|---|---|---|
| Price | Free tier + ~$3/mo | $14.99/mo | Free + ~$7.99/mo | $14.99/mo | Free + $8/mo |
| Automatic tracking | Yes (auto-forwarding + Apple Shortcuts) | Yes (bank sync) | Yes (bank sync) | Yes (bank sync) | Plus only |
| Bank connection required | No | Yes | Yes | Yes | Plus only |
| Ads | None | None | Minimal | None | None |
| AI categorization | Yes | Basic | Basic | Yes | No |
Frequently Asked Questions
Try Graiden — Expense Tracking on Autopilot
Set up auto-forwarding once. AI tracks every receipt automatically. No bank connections, no manual entry, no spreadsheets. Free to start.