Comparison
Best Mint Alternatives in 2025: Top Replacements After Mint Shut Down
Mint closed in early 2024. If you still haven't replaced it, here are the best alternatives — ranked by who they're best for.
Marcus Thompson
Personal Finance Editor
January 5, 2025
6 min read
Best Mint Alternatives in 2025: Top Replacements After Mint Shut Down
Mint shut down in March 2024. If you're still looking for a replacement that matches what Mint offered — free automatic expense tracking, bank sync, budgeting tools — you have real options.
This guide compares the best Mint alternatives, ranked by use case so you can find your match quickly.
What Made Mint Popular
Mint worked because it was:
- Free
- Automatic — bank sync did the heavy lifting
- Comprehensive — spending, bills, budgeting, and credit score in one place
- Easy to set up
The alternatives range from direct replacements to apps that solve the underlying problem (financial awareness) differently.
The Best Mint Alternatives
#1. Monarch Money — Closest to Mint's Full Feature Set
Price: $14.99/month or $99/year (free trial available)
Best for: Mint users who want the closest like-for-like replacement
Monarch Money is what Intuit (Mint's parent company) recommended as the official migration destination. It has bank sync, automatic categorization, budgeting, investment tracking, and net worth monitoring.
Key advantages over Mint:
- Better joint finance support for couples
- More reliable bank connections
- Dedicated team that isn't going to shut it down
The downside: It's not free. After the trial, you'll pay monthly or annually.
---
#2. Vocash — Best for Daily Expense Capture Without Bank Sync
Price: Free
Best for: Users who want active awareness of their spending without giving bank access to a third party
Vocash takes a different approach than Mint: instead of passive bank sync, you actively log expenses by voice. Say "coffee $4.50" when you buy it, and the app captures it instantly.
Why some Mint users prefer this:
- No bank credentials shared with any app
- Real-time awareness (bank sync has a 1–24 hour lag)
- Forces conscious tracking which changes spending behavior
The downside: Requires active input. If you want fully automatic tracking, Monarch Money is better.
---
#3. YNAB — Best for Serious Budgeters
Price: $14.99/month or $99/year
Best for: People who want to use Mint's shutdown as a catalyst for real budget change
YNAB is more opinionated than Mint — it uses zero-based budgeting, where every dollar is assigned a purpose before you spend it. The learning curve is steeper, but the behavior change is significant.
Research shows YNAB users save an average of $600 in their first two months and $6,000 in their first year.
---
#4. PocketGuard — Best Free Mint Alternative
Price: Free tier available / $12.99/month for Plus
Best for: Users who want automatic tracking and can't justify paying for Monarch
PocketGuard's free tier includes bank sync, automatic categorization, and the "In My Pocket" feature (how much you have left to spend). It's leaner than Mint was, but it works.
---
#5. Copilot — Best for iPhone Users
Price: $13/month or $95/year
Best for: iOS users who want the best-designed Mint replacement
Copilot has the most polished interface of any personal finance app. Bank sync, smart categorization, custom rules, and beautiful spending charts. iPhone only.
---
Quick Comparison
| App | Free? | Bank Sync | Voice Input | Best For |
|-----|-------|-----------|-------------|----------|
| Monarch Money | Trial only | Yes | No | Full Mint replacement |
| Vocash | Yes | No | Yes | Privacy-conscious users |
| YNAB | Trial only | Yes | No | Budget transformation |
| PocketGuard | Free tier | Yes | No | Free auto-tracking |
| Copilot | Trial only | Yes | No | iPhone users |
How to Choose
If your main concern is privacy: Vocash (no bank connection required)
If you want the closest Mint replacement: Monarch Money
If you want free automatic tracking: PocketGuard
If you want to genuinely change your finances: YNAB
If you're on iPhone and value design: Copilot
Most former Mint users land on Monarch Money or PocketGuard for the automatic sync, and Vocash for users who want active control. Many use both: bank sync apps for the overview, Vocash for daily awareness.
Download Vocash free — no bank connection required, just speak your expenses as they happen.
Mint worked because it was:
- Free
- Automatic — bank sync did the heavy lifting
- Comprehensive — spending, bills, budgeting, and credit score in one place
- Easy to set up
The alternatives range from direct replacements to apps that solve the underlying problem (financial awareness) differently.
The Best Mint Alternatives
#1. Monarch Money — Closest to Mint's Full Feature Set
Price: $14.99/month or $99/year (free trial available)
Best for: Mint users who want the closest like-for-like replacement
Monarch Money is what Intuit (Mint's parent company) recommended as the official migration destination. It has bank sync, automatic categorization, budgeting, investment tracking, and net worth monitoring.
Key advantages over Mint:
- Better joint finance support for couples
- More reliable bank connections
- Dedicated team that isn't going to shut it down
The downside: It's not free. After the trial, you'll pay monthly or annually.
---
#2. Vocash — Best for Daily Expense Capture Without Bank Sync
Price: Free
Best for: Users who want active awareness of their spending without giving bank access to a third party
Vocash takes a different approach than Mint: instead of passive bank sync, you actively log expenses by voice. Say "coffee $4.50" when you buy it, and the app captures it instantly.
Why some Mint users prefer this:
- No bank credentials shared with any app
- Real-time awareness (bank sync has a 1–24 hour lag)
- Forces conscious tracking which changes spending behavior
The downside: Requires active input. If you want fully automatic tracking, Monarch Money is better.
---
#3. YNAB — Best for Serious Budgeters
Price: $14.99/month or $99/year
Best for: People who want to use Mint's shutdown as a catalyst for real budget change
YNAB is more opinionated than Mint — it uses zero-based budgeting, where every dollar is assigned a purpose before you spend it. The learning curve is steeper, but the behavior change is significant.
Research shows YNAB users save an average of $600 in their first two months and $6,000 in their first year.
---
#4. PocketGuard — Best Free Mint Alternative
Price: Free tier available / $12.99/month for Plus
Best for: Users who want automatic tracking and can't justify paying for Monarch
PocketGuard's free tier includes bank sync, automatic categorization, and the "In My Pocket" feature (how much you have left to spend). It's leaner than Mint was, but it works.
---
#5. Copilot — Best for iPhone Users
Price: $13/month or $95/year
Best for: iOS users who want the best-designed Mint replacement
Copilot has the most polished interface of any personal finance app. Bank sync, smart categorization, custom rules, and beautiful spending charts. iPhone only.
---
Quick Comparison
| App | Free? | Bank Sync | Voice Input | Best For |
|-----|-------|-----------|-------------|----------|
| Monarch Money | Trial only | Yes | No | Full Mint replacement |
| Vocash | Yes | No | Yes | Privacy-conscious users |
| YNAB | Trial only | Yes | No | Budget transformation |
| PocketGuard | Free tier | Yes | No | Free auto-tracking |
| Copilot | Trial only | Yes | No | iPhone users |
How to Choose
If your main concern is privacy: Vocash (no bank connection required)
If you want the closest Mint replacement: Monarch Money
If you want free automatic tracking: PocketGuard
If you want to genuinely change your finances: YNAB
If you're on iPhone and value design: Copilot
Most former Mint users land on Monarch Money or PocketGuard for the automatic sync, and Vocash for users who want active control. Many use both: bank sync apps for the overview, Vocash for daily awareness.
Download Vocash free — no bank connection required, just speak your expenses as they happen.
Price: $14.99/month or $99/year (free trial available)
Best for: Mint users who want the closest like-for-like replacement
Monarch Money is what Intuit (Mint's parent company) recommended as the official migration destination. It has bank sync, automatic categorization, budgeting, investment tracking, and net worth monitoring.
Key advantages over Mint:
- Better joint finance support for couples
- More reliable bank connections
- Dedicated team that isn't going to shut it down
The downside: It's not free. After the trial, you'll pay monthly or annually.
---
#
2. Vocash — Best for Daily Expense Capture Without Bank Sync
Price: Free
Best for: Users who want active awareness of their spending without giving bank access to a third party
Vocash takes a different approach than Mint: instead of passive bank sync, you actively log expenses by voice. Say "coffee $4.50" when you buy it, and the app captures it instantly.
Why some Mint users prefer this:
- No bank credentials shared with any app
- Real-time awareness (bank sync has a 1–24 hour lag)
- Forces conscious tracking which changes spending behavior
The downside: Requires active input. If you want fully automatic tracking, Monarch Money is better.
---
#3. YNAB — Best for Serious Budgeters
Price: $14.99/month or $99/year
Best for: People who want to use Mint's shutdown as a catalyst for real budget change
YNAB is more opinionated than Mint — it uses zero-based budgeting, where every dollar is assigned a purpose before you spend it. The learning curve is steeper, but the behavior change is significant.
Research shows YNAB users save an average of $600 in their first two months and $6,000 in their first year.
---
#4. PocketGuard — Best Free Mint Alternative
Price: Free tier available / $12.99/month for Plus
Best for: Users who want automatic tracking and can't justify paying for Monarch
PocketGuard's free tier includes bank sync, automatic categorization, and the "In My Pocket" feature (how much you have left to spend). It's leaner than Mint was, but it works.
---
#5. Copilot — Best for iPhone Users
Price: $13/month or $95/year
Best for: iOS users who want the best-designed Mint replacement
Copilot has the most polished interface of any personal finance app. Bank sync, smart categorization, custom rules, and beautiful spending charts. iPhone only.
---
Quick Comparison
| App | Free? | Bank Sync | Voice Input | Best For |
|-----|-------|-----------|-------------|----------|
| Monarch Money | Trial only | Yes | No | Full Mint replacement |
| Vocash | Yes | No | Yes | Privacy-conscious users |
| YNAB | Trial only | Yes | No | Budget transformation |
| PocketGuard | Free tier | Yes | No | Free auto-tracking |
| Copilot | Trial only | Yes | No | iPhone users |
How to Choose
If your main concern is privacy: Vocash (no bank connection required)
If you want the closest Mint replacement: Monarch Money
If you want free automatic tracking: PocketGuard
If you want to genuinely change your finances: YNAB
If you're on iPhone and value design: Copilot
Most former Mint users land on Monarch Money or PocketGuard for the automatic sync, and Vocash for users who want active control. Many use both: bank sync apps for the overview, Vocash for daily awareness.
Download Vocash free — no bank connection required, just speak your expenses as they happen.
Price: $14.99/month or $99/year
Best for: People who want to use Mint's shutdown as a catalyst for real budget change
YNAB is more opinionated than Mint — it uses zero-based budgeting, where every dollar is assigned a purpose before you spend it. The learning curve is steeper, but the behavior change is significant.
Research shows YNAB users save an average of $600 in their first two months and $6,000 in their first year.
---
#
4. PocketGuard — Best Free Mint Alternative
Price: Free tier available / $12.99/month for Plus
Best for: Users who want automatic tracking and can't justify paying for Monarch
PocketGuard's free tier includes bank sync, automatic categorization, and the "In My Pocket" feature (how much you have left to spend). It's leaner than Mint was, but it works.
---
#5. Copilot — Best for iPhone Users
Price: $13/month or $95/year
Best for: iOS users who want the best-designed Mint replacement
Copilot has the most polished interface of any personal finance app. Bank sync, smart categorization, custom rules, and beautiful spending charts. iPhone only.
---
Quick Comparison
| App | Free? | Bank Sync | Voice Input | Best For |
|-----|-------|-----------|-------------|----------|
| Monarch Money | Trial only | Yes | No | Full Mint replacement |
| Vocash | Yes | No | Yes | Privacy-conscious users |
| YNAB | Trial only | Yes | No | Budget transformation |
| PocketGuard | Free tier | Yes | No | Free auto-tracking |
| Copilot | Trial only | Yes | No | iPhone users |
How to Choose
If your main concern is privacy: Vocash (no bank connection required)
If you want the closest Mint replacement: Monarch Money
If you want free automatic tracking: PocketGuard
If you want to genuinely change your finances: YNAB
If you're on iPhone and value design: Copilot
Most former Mint users land on Monarch Money or PocketGuard for the automatic sync, and Vocash for users who want active control. Many use both: bank sync apps for the overview, Vocash for daily awareness.
Download Vocash free — no bank connection required, just speak your expenses as they happen.
Price: $13/month or $95/year
Best for: iOS users who want the best-designed Mint replacement
Copilot has the most polished interface of any personal finance app. Bank sync, smart categorization, custom rules, and beautiful spending charts. iPhone only.
---
Quick Comparison
| App | Free? | Bank Sync | Voice Input | Best For |
|-----|-------|-----------|-------------|----------|
| Monarch Money | Trial only | Yes | No | Full Mint replacement |
| Vocash | Yes | No | Yes | Privacy-conscious users |
| YNAB | Trial only | Yes | No | Budget transformation |
| PocketGuard | Free tier | Yes | No | Free auto-tracking |
| Copilot | Trial only | Yes | No | iPhone users |
How to Choose
If your main concern is privacy: Vocash (no bank connection required)
If you want the closest Mint replacement: Monarch Money
If you want free automatic tracking: PocketGuard
If you want to genuinely change your finances: YNAB
If you're on iPhone and value design: Copilot
Most former Mint users land on Monarch Money or PocketGuard for the automatic sync, and Vocash for users who want active control. Many use both: bank sync apps for the overview, Vocash for daily awareness.
Download Vocash free — no bank connection required, just speak your expenses as they happen.
If your main concern is privacy: Vocash (no bank connection required)
If you want the closest Mint replacement: Monarch Money
If you want free automatic tracking: PocketGuard
If you want to genuinely change your finances: YNAB
If you're on iPhone and value design: Copilot
Most former Mint users land on Monarch Money or PocketGuard for the automatic sync, and Vocash for users who want active control. Many use both: bank sync apps for the overview, Vocash for daily awareness.
Download Vocash free — no bank connection required, just speak your expenses as they happen.
Tags
#mint alternatives#mint replacement#best budgeting apps#personal finance apps 2025
About Marcus Thompson
Marcus has tested over 40 personal finance apps over the past three years. He writes comparison guides focused on real-world usability rather than feature checklists.
Personal Finance Editor