Mint shut down in March 2024. Intuit moved everyone over to Credit Karma — which is not a budgeting app, it's a credit-monitoring product with a different job. If you were one of Mint's 20+ million users and you still haven't found a real replacement, you're not behind. A lot of people just quietly stopped budgeting when Mint died.
This guide walks through what actually replaces Mint in 2026, and the trade-offs to weigh before you pick.
What Made Mint Worth Replacing
Mint did four things people relied on: it pulled all your accounts into one dashboard, auto-categorized your transactions, tracked your net worth, and it was free. Any real replacement needs to cover those same four bases — not just one of them.
What to Look for in a Mint Alternative
- Automatic bank syncing — through a trusted aggregator like Plaid, so you're not typing in transactions by hand.
- A genuinely useful free tier — not a 7-day trial that locks the basics behind a paywall.
- A clear privacy model — Mint made money partly by showing you financial product offers. Know how your replacement pays its bills.
- Your banks supported — especially if you bank in Canada, where a lot of US-only apps fall short.
- Net worth and reports — the at-a-glance picture Mint gave you.
The Main Options in 2026
- Monarch Money — polished, couples-friendly, but around $100/year with no free tier.
- YNAB — a powerful method (zero-based budgeting) with a real learning curve, at $14.99/month or $109/year.
- Copilot — beautiful, but iOS-only and US-only.
- Rocket Money — more of a bill-cancellation tool than a budget tracker.
- Sable — free to start with 2 bank connections, unlimited budgets, goals, and reports; supports US and Canadian banks; paid plans from $5/month.
The "You Were the Product" Problem
One quiet lesson from Mint's shutdown: a free app still has to make money somehow. Mint did it through partner offers and, eventually, by becoming part of a credit product. When you pick a replacement, look for one whose business model is simply "you pay for the app" — no ads, no data sales. That's the model we chose for Sable, and we give 20% of profits to charity on top of it.
How to Actually Switch (Without Losing Your History)
- Export your Mint/Credit Karma transaction history to CSV while you still can.
- Pick a replacement and connect your accounts through Plaid.
- Import the CSV so your past spending comes along for the ride.
- Set your top 3–5 budgets based on what you actually spent last month.
- Give it two weeks before you judge it — the first sync is always the messiest.
You don't need to mourn Mint. You just need a tool that does the same job without treating you like inventory.