Disclosure first, as always: I built one of the apps mentioned below. I’ll flag it clearly when it comes up, and most people reading this will be better served by an app that isn’t mine. Keep reading anyway; I’ll tell you which one.

Here’s the short answer. Mint is gone and no single app replaced it, because different people used Mint for different things. If you miss seeing all your money in one place, Monarch is the closest spiritual successor, with Copilot as the Apple-only alternative. If you miss that it was free, the honest options are Credit Karma (Intuit’s official heir, but it isn’t a budgeting app), Rocket Money’s free tier, or self-hosting Actual Budget. And if what you actually wanted was for Mint to stop you before you overspent rather than report it afterward, you were never really a tracker person: you want envelope budgeting, which is YNAB or Cake Budget (mine).

Which of those is you? That’s the whole post.

Why are we still talking about Mint in 2026?

Intuit shut Mint down in March 2024 and pointed everyone at Credit Karma. Two and a half years later, “Mint replacement” is still searched constantly, because the migration never actually worked: Credit Karma got Mint’s users but not Mint’s budgets. Nothing since has been all three of the things Mint was: free, automatic, and adequate at everything.

That combination is gone for a structural reason, which matters for setting your expectations: Mint was free because you were the product. The data and the credit-card offers paid for it. The current generation of apps mostly charges $5 to $15 a month instead, and honestly, that’s the healthier trade.

So instead of hunting for “the new Mint,” ask what you actually miss.

”I miss seeing everything in one place”

You want a tracker, and trackers are the best they’ve ever been.

Monarch is the closest thing to Mint’s successor and courted Mint refugees hard when the shutdown happened. Clean dashboards, all your accounts, net worth over time, investments, good sharing for couples. It’s $99.99 a year. If you’re this camp, stop reading here; it’s the safe pick, and we say the same thing in our own Cake vs Monarch comparison.

Copilot is the boutique version: beautiful, clever categorization, Apple-only. If your life is iPhone and Mac, look at it before deciding. Our Cake vs Copilot page covers where each one wins.

”I miss that it was free”

Being direct with you: free-and-automatic died with Mint.

Credit Karma is where Intuit sent everyone, and it’s genuinely free — same business model Mint had. But it’s a credit and offers app with account balances attached. There’s no real budgeting in it. If you only ever glanced at balances, it’s fine.

Rocket Money’s free tier covers basic tracking and subscription visibility, with the useful parts behind a $7–14/month paywall. It’s more a bill-cleanup tool than a budget; we break down that distinction in Cake vs Rocket Money.

Actual Budget is free if you self-host it, which is a real option if the word “self-host” doesn’t scare you, and a non-option if it does.

If you used Mint’s budgets at all, budget for a budgeting app. Five dollars a month is the entry point, and it buys you software whose business model is you paying for it, not you being sold.

”I miss the budgets” (or: Mint never actually stopped me)

Here’s the conversation I’ve had a dozen times: someone says they miss Mint’s budgets, and two questions later it turns out the budgets never worked for them. Mint would cheerfully tell them on the 28th that they’d blown the restaurant category on the 9th. The wish wasn’t for a report. The wish was for the app to catch them before the overspend.

Trackers can’t do that, structurally. They look backward. What you’re describing is envelope budgeting: money gets assigned to jobs before you spend it, so at the moment of purchase there’s an actual answer to “can I afford this?”

Two real options there:

YNAB is the method with the strongest education and community. The catch is the upkeep: assigning dollars by hand each payday, approving transactions, reconciling. Some people find the ritual grounding. A lot of ex-Mint people bounce off it, because if you were a Mint person you liked automation. It’s $109 a year. I wrote a whole post on that dynamic.

Cake Budget is mine, and it exists precisely for the person who wants envelopes but bounced off the upkeep: your paycheck is detected and split into envelopes automatically on your schedule, transactions categorize themselves with rules, bills fill toward their due dates, and the home screen answers “can I spend right now?” with a traffic light. It also does the one thing Mint never did even at its best: shows you what’s coming, not just what happened — the next two weeks of bills, subscriptions, and paychecks with your expected cash flow. $5 a month, 14-day trial, no card required.

The at-a-glance version

What you miss about Mint	Try	Price
The all-in-one dashboard	Monarch	$99.99/yr
The dashboard, but prettier (Apple-only)	Copilot	Subscription, iOS/Mac
The price	Credit Karma (no budgets) / Actual Budget (self-hosted)	Free
Subscription tracking	Rocket Money	Free tier, premium $7–14/mo
Budgets that actually stop overspending	Cake Budget (mine) or YNAB	$5/mo · $109/yr

Common questions

Is Credit Karma a real Mint replacement? It’s the official one, and it’s free, but it has no meaningful budgeting. It’s a different product wearing Mint’s userbase.

What’s the closest free Mint replacement? For balances and credit: Credit Karma. For actual budgeting on a real $0: Actual Budget, self-hosted, if you’re technical enough to run it. There is no free hosted Mint equivalent anymore, and any app promising one is monetizing something.

What happened to Mint, exactly? Intuit shut it down in March 2024 and migrated accounts to Credit Karma, which kept the net-worth and transaction views but not budgets. That gap is why this article exists.

I never used Mint’s budgets. Should I still consider an envelope app? Probably not, honestly. If years of Mint never made you want to plan forward, a tracker matches how you actually operate. Get Monarch and enjoy it.

If the “stop me before I overspend” section was the one that stung, Cake Budget’s trial is 14 days, no credit card. Connect a bank, set up one paycheck schedule, and see what a forward-looking budget feels like.