The best Mint alternative in 2026, two years after the shutdown
Intuit killed Mint in March 2024 and pointed everyone at Credit Karma. Two years later, here is what actually replaced it.
There is still no single free app that does everything Mint did. The closest overall replacement is Monarch Money, which is paid. The best free option is Empower, which only replaces the net worth half. And if what you really wanted from Mint was to stop overspending, there is now an app that does what Mint never could: Hinder blocks your spending apps when you go over budget.
So the right pick depends on what you miss most. Here is the honest map.
What happened to the Mint app?
Intuit shut Mint down on March 23, 2024 and moved its users to Credit Karma, which it also owns. Credit Karma shows your credit score and a feed of transactions, but there are no category budgets to set. If you migrated and kept waiting for the budgets tab to appear, it never did. That gap is the whole reason this article exists.
Every Mint replacement at a glance
| App | Price | Free tier | Bank sync | Closest-to-Mint feature | Blocks apps |
|---|---|---|---|---|---|
 Monarch | $14.99/mo or $99.99/yr | No | Yes | The whole Mint dashboard, rebuilt | No |
 Quicken Simplifi | $3-6/mo, billed annually | No | Yes | Cheapest polished tracker | No |
 Empower | Free | All of it | Yes | Mint's net worth view, improved | No |
 YNAB | $14.99/mo or $109/yr | No | Yes | Category budgets, much stricter | No |
 EveryDollar | Free tier; ~$79.99/yr | Manual entry only | Premium only | Zero-based monthly plan | No |
 Hinder | Free to try | Free to download and try | Yes, via Plaid | The thing Mint never did | Yes |
Monarch- Price
- $14.99/mo or $99.99/yr
- Free tier
- No
- Bank sync
- Yes
- Closest-to-Mint feature
- The whole Mint dashboard, rebuilt
Quicken Simplifi- Price
- $3-6/mo, billed annually
- Free tier
- No
- Bank sync
- Yes
- Closest-to-Mint feature
- Cheapest polished tracker
Empower- Price
- Free
- Free tier
- All of it
- Bank sync
- Yes
- Closest-to-Mint feature
- Mint's net worth view, improved
YNAB- Price
- $14.99/mo or $109/yr
- Free tier
- No
- Bank sync
- Yes
- Closest-to-Mint feature
- Category budgets, much stricter
EveryDollar- Price
- Free tier; ~$79.99/yr
- Free tier
- Manual entry only
- Bank sync
- Premium only
- Closest-to-Mint feature
- Zero-based monthly plan
Hinder- Price
- Free to try
- Free tier
- Free to download and try
- Bank sync
- Yes, via Plaid
- Closest-to-Mint feature
- The thing Mint never did
What is the closest app to Mint?
Monarch Money
Monarch caught most of the refugees when Mint died, and it earned that. Accounts, category budgets, recurring bills, net worth, and shared access for couples, all in one clean dashboard. It even had a dedicated Mint import path during the shutdown rush, and the category structure feels familiar within an hour.
The difference is the bill. Mint was free because it sold you credit cards. Monarch is $99.99 a year with no free plan. We put it head to head with Hinder in Monarch Money vs Hinder.
What is the cheapest polished Mint replacement?
Quicken Simplifi
If Monarch feels like paying for a second streaming service, Simplifi runs $3 to $6 a month billed annually and is the easiest tracker here to set up. Its spending plan adjusts itself when a paycheck lands, which is closer to how Mint behaved than YNAB ever was. No free tier, but the annual cost is about one takeout order.
Full comparison in Quicken Simplifi vs Hinder.
Is there a free Mint alternative?
Empower Personal Dashboard
Free like Mint was free? Only one app comes close. Empower costs nothing and its net worth and investment tracking beats what Mint had at its peak. The budgeting side is thin, basically transaction categories and a monthly total, and once you link enough accounts, be ready for the wealth management pitch. That pitch is why it is free.
If you tried Empower and the budgeting half let you down, we mapped the options in the best Empower alternative.
What if Mint was never strict enough?
YNAB
Mint watched your money. YNAB makes you assign every dollar a job before the month starts, and the people who stick with it swear by it. It is real work, and at $109 a year it costs more than Monarch.
EveryDollar
EveryDollar is the Ramsey version of the same idea with a free tier, but the free tier is manual entry only. Typing in every transaction is its own little speed bump, and bank sync costs about $79.99 a year. Both plan harder than Mint ever did. Neither stops a single purchase.
The thing Mint never did, even at its peak
Hinder
Be honest about how Mint actually went. You set the budgets, the emails said you were over, and you kept spending. Every app above inherits that same flaw, because a chart cannot stand between you and checkout.
Hinder is built for that exact failure. It connects to your bank through Plaid, tracks spending by category and by app, warns you at 80% of your limit, and at 100% it uses iOS Screen Time to lock the apps you overspend in. DoorDash, Amazon, whatever you picked. They stop opening.
It is deliberately not a Mint clone. No net worth, no credit score, no investment charts. If your real Mint problem was watching the same overspending graph every month, this is the one that ends the rerun. Free to try, iPhone only.
Common questions
What happened to the Mint app?
Intuit shut Mint down on March 23, 2024 and pushed users to Credit Karma. Credit Karma shows your credit score and some transactions, but it has no real category budgets, which is why people are still hunting for a replacement two years later.
What is the closest replacement for Mint?
Monarch Money. It rebuilds the full Mint experience, accounts, budgets, and net worth in one dashboard. The catch is the price: about $99.99 a year, with no free plan.
Is there a free Mint alternative?
Not a complete one. Empower is free and covers the net worth half of Mint better than Mint did, and EveryDollar has a free manual-entry tier. No free app replaces the whole package.
Is Credit Karma a budgeting app?
No. It is a credit monitoring app that happens to show transactions. There are no category budgets to set, so it never worked as a Mint replacement, no matter how hard Intuit pointed.
Which Mint alternative actually stops overspending?
Hinder. Mint never stopped a purchase even at its peak, it just charted the damage. Hinder connects to your bank and blocks your spending apps the moment you cross your budget.