Best Mint Alternatives in 2026 (After the Shutdown)
Best Mint Alternatives in 2026 (After the Shutdown)
Mint shut down on March 23, 2024. Intuit announced the wind-down the previous November and gave users about four and a half months to export their data.
The migration to Credit Karma was partial in a way that caught a lot of people out. Connected accounts and net worth tracking carried over. Budgets, custom categories, savings goals, bill reminders and transaction history did not. Credit Karma is a credit monitoring product, not an expense tracker, so the thing people actually used Mint for was not what they were moved to.
The reason it closed is worth understanding, because it tells you what to look for in a replacement. Mint was free because it sold your attention to financial product partners. When Apple's App Tracking Transparency and Google's equivalent privacy changes broke that ad pipeline, the economics stopped working. A free personal finance product is monetising something, and if it is not your subscription it is your data or your attention.
Verified pricing, checked 2026-08-18
| Tool | Price | Best for |
|---|---|---|
| Quicken Simplifi | $3.99/mo introductory, $6.99/mo regular, billed annually | Closest to classic Mint, cheapest credible option |
| Copilot Money | $95/year, or $7.92/mo billed yearly. Free trial | Design-led, iOS-first |
| Monarch | Core and Plus tiers. 7-day trial, 30% off first year advertised. Price not published on the pages I could retrieve | Shared households |
| Empower | Free dashboard. Advisory from a $100,000 minimum, fee not published | Free net worth, if you accept the sales motion |
| Helm | $240/year, $20/mo flat | Portfolio intelligence, not budgeting |
What actually replaces Mint
Quicken Simplifi is the most direct successor. Budgeting, cash flow, spending categories, and it tracks investments including cost basis and performance. At $3.99 a month introductory it is the cheapest credible paid option, and paid is the point: a subscription means you are the customer rather than the inventory.
Copilot Money is the best-designed option in the category and the natural pick if you are iOS-first. Categorization is genuinely smart and improves as you correct it. Investment tracking is present. At $95 a year it costs roughly double Simplifi and the difference is craft rather than capability.
Monarch was founded by Mint's first product manager, which is not a coincidence, and it captured a large share of the migration. Strong on shared household finances, where two people manage one picture. Their pricing did not render on any page I could retrieve, so I am not going to quote a number I have not verified.
Empower is the free option and the closest thing to Mint's business model, in that the software is free because it feeds a wealth management service with a $100,000 minimum. The dashboard is genuinely good. Just know what the arrangement is.
The question worth asking before you pick
Mint did two different jobs and most people only remember one.
Job one was budgeting: where the money went, categories, whether you overspent this month. This is what people mean when they say they miss Mint, and Simplifi, Copilot and Monarch all do it better than Mint did by the end.
Job two was net worth: one number across every account, including investments. Mint did this superficially. It showed balances. It did not tell you what was inside them.
If your portfolio is now a meaningful share of your net worth, job two has quietly become the more important one, and none of the budgeting tools go deep there. They will tell you that you hold 340 shares of something. They will not tell you that it is 14% of your net worth once you count what sits inside your index funds, or that you have a harvestable loss expiring in November, or that the reason you bought it stopped being true in the last earnings call.
Where Helm fits, honestly
Helm is not a Mint replacement and I am not going to pretend it is. It does not do budgeting, it does not track spending, and it does not connect credit cards or checking accounts. If what you miss about Mint is categorised spending, buy Simplifi or Copilot and stop reading here.
What Helm does is the second job, properly. It connects brokerages read-only through Plaid and works the holdings every market day: concentration including look-through into what your ETFs actually hold, harvestable tax losses lot by lot with wash-sale windows screened across every connected account at once, earnings dates on positions you actually own, and filings and news read against the reasons you hold them. Every finding quotes the source sentence with a date on it.
Plenty of people end up running one of each: a budgeting app for the money coming in and going out, and something else for the portfolio. That is not a failure of either category, it is just two different problems.
Helm is $20 a month flat, with no percentage of assets and no free tier that monetises your attention. The free tier gives you the harvestable tax-loss figure and analysis on any US ticker without an account.
Helm is not a registered investment adviser. It cannot trade or move money.
One thing to do regardless of which you pick
If you were a Mint user and never exported, that data is gone. Intuit closed accounts after March 23, 2024 and began deleting under its retention schedule. There is no recovery path.
The lesson generalises: whatever you move to, export your data periodically. Category history and transaction history are the parts that hurt to lose, and every tool in this list can produce a CSV.
Related Reading
Frequently asked questions
When did Mint shut down?
Mint shut down on March 23, 2024. Intuit announced the wind-down in November 2023 and gave users roughly four and a half months to export their data as CSV files. The stated reason was that the business model had stopped working: Mint was free because it monetized attention through financial product partners, and Apple's App Tracking Transparency along with equivalent Google privacy changes broke the advertising pipeline it depended on.
What happened to my Mint data after the shutdown?
The migration to Credit Karma was partial. Connected accounts and net worth tracking carried over. Budgets, custom categories, savings goals, bill reminders, recurring transaction labels and transaction history did not. Credit Karma is a credit monitoring product rather than an expense tracker, so the function most people actually used Mint for was not what they were moved to. After March 23, 2024 accounts were closed and Intuit began deleting data under its retention schedule, so if you never exported, that history is not recoverable.
What is the best Mint replacement in 2026?
Checked against vendor pages on August 18, 2026: Quicken Simplifi at $3.99 a month introductory against $6.99 regular, billed annually, is the closest and cheapest credible successor. Copilot Money at $95 a year is the best-designed option and iOS-first. Monarch, founded by Mint's first product manager, is strongest for shared households, though its pricing did not render on any page we could retrieve. Empower is free, with the understanding that the dashboard feeds a wealth management service carrying a $100,000 minimum.
Should I pay for a budgeting app or use a free one?
Mint's shutdown is the argument for paying. A free personal finance product is monetizing something, and if it is not your subscription then it is your data or your attention, which makes it vulnerable to exactly the kind of platform change that killed Mint. A subscription makes you the customer rather than the inventory. At $3.99 a month for Simplifi, the insurance against another migration is inexpensive.
This content is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a licensed professional before making financial decisions. Helm Terminal is not a registered investment advisor.