Mint Alternatives: The Best Tools After Mint Shutdown in 2024

The best Mint alternatives depend on whether you want automatic transaction imports or prefer manual budgeting. YNAB and Monarch offer bank sync and detailed planning, starting at $99 to $109 a year. If you value privacy and control, manual budget apps like Budgetfold let you skip bank connections, import old transactions from CSV, and track spending without sharing bank credentials.

Mint shut down in March 2024 after 10 years as the default budgeting app. Intuit, which owned Mint, moved users to Credit Karma—a tool focused on credit scores rather than spending categories and zero-based budgeting. For anyone who actually budgeted with Mint (rather than just viewing transactions), the shift felt incomplete.

The gap Mint left opened space for better tools. Today's alternatives fall into two categories: automated tools that sync with your bank, and manual tools that let you import data and stay in control.

Automated Tools: Bank Sync, Less Data Entry

Tools like YNAB, Monarch, and Rocket Money connect to your bank and import transactions automatically. You categorize as you go, and the app learns your patterns. The tradeoff is giving the app access to your bank login.

YNAB (You Need A Budget) costs $109 a year or $14.99 a month. It requires zero-based budgeting: assign every dollar to a category before you spend it. YNAB raised prices twice since 2018 (from $84 a year in 2020 to $98.99 from December 2021). The method works, but the price and mandatory approach aren't for everyone. You can import YNAB data into Budgetfold using the Register.csv and Plan.csv files.

Monarch Money costs $99.99 a year and includes bank sync, investment tracking, and net worth visualization. It's positioned as a lower-cost alternative to YNAB with a cleaner interface and support for brokerage accounts. Monarch data imports into Budgetfold via CSV.

Rocket Money (formerly Truebill) has a free tier plus Premium ($7–$14 a month, depending on bill negotiation). It highlights unused subscriptions and negotiates bills automatically, claiming to recover 35–60% of first-year savings. Rocket Money data can be imported to Budgetfold.

PocketGuard costs $74.99 a year or $12.99 a month and uses a simpler rule: categories split into "In My Favor" (discretionary), "Safe to Spend" (bills covered), and "Goals" (saving). It feels closer to Mint's simplicity than YNAB.

Copilot costs $95 a year or $13 a month and forecasts cash flow—whether you'll run out of money before the next paycheck. Useful for people living paycheck-to-paycheck. Copilot exports into Budgetfold.

EveryDollar (Ramsey Solutions) costs roughly $12.99 a month and uses zero-based budgeting. EveryDollar data imports to Budgetfold.

Tiller costs $99 a year, keeps your budget in Google Sheets, and auto-imports transactions. It's a middle ground for spreadsheet lovers who want automation. Tiller transactions import into Budgetfold.

Manual Tools: No Bank Sync, Full Control

If you don't want to share bank credentials or prefer entering spending as you go, manual tools like Budgetfold and Goodbudget work without bank sync. You own your data and can export or switch apps anytime.

Budgetfold uses zero-based, envelope-style budgeting: give every dollar a job at the start of the month, then enter spending as it happens or import a bank statement. You can import from YNAB, Mint, Monarch, Goodbudget, Rocket Money, Copilot, EveryDollar, Tiller, or any bank CSV (OFX, QFX, or QIF files work too). The free plan covers the current month, 2 accounts, 100 transactions, 3 tracked subscriptions, one person, and 10 AI assists a month. Plus ($39 a year or $4.99 a month) unlocks unlimited months of history, accounts, transactions, subscriptions, up to six people, and 200 AI assists a month. Most people choose Budgetfold because it has no bank sync by design—your credentials never leave your device. If your import exceeds the free plan, you get a one-time offer: $10 off the first year of Plus ($29), good for 30 days. Start free at Budgetfold.

Goodbudget uses digital envelopes (one per category) and is available on phone and web. Goodbudget data imports to Budgetfold.

Quicken (desktop) lets you export in QIF format, which Budgetfold can import. It appeals to power users who prefer software on their laptop.

Feature Comparison

Which Alternative Fits Your Needs?

Choose a bank-sync tool (YNAB, Monarch, Rocket Money, Copilot, or EveryDollar) if you're comfortable connecting your bank account and want transactions imported automatically.

Choose a manual tool (Budgetfold or Goodbudget) if you prefer to control which transactions enter your budget, avoid sharing bank credentials, import old data and move freely between apps, or pay less upfront. If you budgeted with Mint's mobile app anyway—entering or reviewing transactions by hand—switching to manual entry is barely noticeable. The "give every dollar a job" process in Budgetfold mirrors YNAB's approach without the bank connection or higher price.

Importing Your Mint Data

Mint shut down in March 2024 without offering a direct export. If you downloaded your data or moved it to another app (YNAB, Goodbudget, Rocket Money, etc.), you can export it as CSV and import to any of these tools. Most alternatives accept a CSV with date, amount, and description columns. Budgetfold's Mint import guide shows the exact format.

FAQ

Can I import Mint data directly into other apps?

Mint offered no export when it shut down in March 2024. If you downloaded your data before the closure or exported it to another app, you can export it as CSV to Budgetfold or most other tools. Check Budgetfold's import guides to see which apps and formats are supported.

Do I have to use zero-based budgeting?

No. YNAB and EveryDollar require it. Monarch, Copilot, and Rocket Money use different methods (percentage-based rules, cash-flow forecasting, or simple tracking). Budgetfold uses zero-based envelopes. Pick the method that matches how you think about money.

Is there a free Mint alternative?

Yes. Rocket Money has a free tier with basic budgeting and bill tracking. Goodbudget is free on web and phone. Budgetfold's free plan covers the current month, 2 accounts, 100 transactions, 3 subscriptions, and 10 AI assists—enough to try zero-based budgeting before upgrading. For truly free, a Google Sheet updated by hand works, but a budgeting app calculates categories, envelopes, and totals for you.

Will a budget app help me save money?

A budget tool shows where your money goes; you decide whether to spend less or save more. Rocket Money saves time by canceling unused subscriptions and negotiating bills. Copilot forecasts overspending. But the core work—reducing spending in some areas and increasing savings—is on you. A good tool makes that work easier to see and act on. Here's a guide to making a budget.