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15 Best Alternatives to Manage Your Finances

For years, Mint has been one of the most popular budgeting apps on the market. But since Intuit announced Mint’s shutdown in 2024, many users may be wondering which budgeting app to turn to. 

While Intuit states that you can access a lot of Mint’s budgeting features through Credit Karma, you may also want to consider a few different options.

We’ve rounded up the best Mint alternatives and compared their features and fees below to help you land on the righ budgeting app for your needs.

Best Mint Alternatives

There are several great Mint alternatives to consider now that the app is no longer available. Here are some of our top recommendations:

1. Empower

  • Plans: Budgeting and financial management tools are free
  • Features and Capabilities: Account Dashboard (your hub for synced accounts and household financial analysis); Retirement Planner (custom retirement scenarios); Investment Checkup (comparing asset allocation and performance against age- and tolerance-appropriate benchmarks); Fee Analyzer (insight into the true cost of investing)

Budgeting is not Empower’s moneymaker; asset management is. Empower is a hybrid financial advisory platform that’s among the best-regarded human-assisted robo-advisors in the business.

But Empower does have a useful suite of money management tools in a mobile-friendly package. These include:

  • Account Dashboard. This is the nexus of Empower’s budgeting suite. Sync your external financial accounts for insight into your household cash flow, savings rate, debt, net worth, and other key financial health metrics.
  • Retirement Planner. Use this tool to estimate how much you’ll need to retire under various financial scenarios, then develop a plan to reach your goals.
  • Investment Checkup. Compare your present investment portfolio allocations against ideal allocations for your age and risk tolerance to determine whether adjustments are in order.

Since Empower is in the business of managing investments, its budgeting suite isn’t an end in and of itself. It’s more like a funnel for prospective investors, with some tools.

Check out our Empower review to learn more.

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2. You Need a Budget (YNAB)

  • Plans: One plan for all features and capabilities
  • Features and Capabilities: Secure sync with external financial accounts; “proven method” built around four rules for budgeting; joint budgeting for couples who’ve merged finances; savings goal tracking; retrospective reports to track past spending

You Need a Budget, or YNAB for short, is a paid budgeting app that comes with a 34-day free trial and no-questions-asked money-back guarantee. YNAB is renowned for its robust feature suite and intuitive, user-friendly interface.

Although it’s among the most expensive entrants on this list, you get what you pay for. Spend a few minutes with it, and you just might be jazzed about budgeting.

The YNAB app comes in multiple iterations:

  • YNAB for Web (best for desktops and laptops)
  • YNAB for Android and iPhone
  • YNAB for iPad
  • YNAB for Apple Watch
  • YNAB for Alexa

YNAB follows a version of the zero-based budgeting method built around four ironclad rules:

  • Give Every Dollar a Job. Prioritize your spending and allocate dollars according to those priorities.
  • Embrace Your True Expenses. Break occasional or annual expenses, such as holiday shopping, into fixed monthly outlays and allocate your money accordingly.
  • Roll With the Punches. Adjust to overspending by reallocating money from categories not yet tapped out.
  • Age Your Money. Spend money that’s at least 30 days old — in other words, don’t live paycheck to paycheck or month to month.

These rules build on one another, and the unifying theme is clear: Sustainable budgeting is about proactivity, not reactivity. To get your money’s worth out of YNAB, you need to lay out your budgetary priorities and give every dollar a job before you spend a dime. You also need to link all your financial accounts to your YNAB account.

YNAB swears on its security protocols, but if you’re leery about giving a third-party app insight into your entire financial life, you may want to consider a lower-tech alternative that doesn’t directly connect to your financial accounts. Neobudget is a nice alternative, as is CountAbout’s Basic version (both are described in more detail below).

YNAB claims that the average user saves $6,000 per year. Even if you’re not able to squeeze savings quite that impressive out of your own household budget, YNAB’s user-friendly app will get you to think differently about how you’re spending and saving. In the long run, that could be more valuable than saving a few dollars here and there.

Check out our YNAB review to learn more.

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3. Tiller (Tiller Money)

  • Plans: One plan for all features and capabilities
  • Features and Capabilities: Automatic syncing with over 18,000 financial sources; automatic daily spreadsheet updates with transaction data from all linked accounts; custom spreadsheet templates; custom spending categories that make sense for your financial life; auto-categorization based on custom rules set by you; daily transaction digests sent to your email inbox

Tiller, also known as Tiller Money, is a spreadsheet-based app that directly syncs with over 18,000 financial sources, including bank accounts, brokerage accounts, employer-sponsored retirement accounts, personal loans, credit cards, and mortgages. If you bank, invest, or borrow with a U.S.-based financial institution, you’ll be able to sync most or all of your financial accounts with Tiller.

Once you’re synced, Tiller goes to work. It makes daily updates to custom-created Google or Excel spreadsheets with auto-categorized transactions pulled from your synced accounts. If you spend $10 at the sandwich shop today, for example, you’ll see it reflected in the “Dining” or “Food” category on your spreadsheet tomorrow.

Since you set your own categorization rules and color scheme, you can rest assured that your spreadsheets will be easy for you to follow, and you can put an even finer point on your spending at any time by manually categorizing or recategorizing synced transactions.

If you’re not one for checking spreadsheets regularly, sign up for Tiller’s optional email alerts to get an unobtrusive digest delivered daily. You can share your Tiller spreadsheets with your spouse or financial planner too.

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4. MoneyPatrol

  • Plans: One plan for all features and capabilities
  • Features and Capabilities: One year of transaction data; detailed look at inflows and outflows; detailed credit view, including usage, rates, balances, and payments; transaction categorization by merchant and spending category; customizable budgets

MoneyPatrol provides a centralized view of your entire financial life from a customized account dashboard. It’s compatible with a dizzying array of financial accounts, from checking accounts and savings accounts to credit cards, student loan accounts, investment accounts, and even gift cards.

MoneyPatrol doesn’t bother with dense spreadsheets or rules-based budgets, though it does have a powerful budgeting feature that empowers users to monitor and shape their own spending. One of the app’s biggest selling points is its Alerts & Insights feature, which delivers digestible details about users’ budgets via text or email.

For more visibility into your financial picture, dive into MoneyPatrol’s crisp visualizations — charts, tables, and panel views that show how and where you’re spending your money.

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5. Quicken

  • Plans: Plans range from Starter (limited features) to Home & Business (all features, but Windows only)
  • Features and Capabilities: All plans have an account dashboard that provides visibility into deposit and credit card accounts; automatic transaction categorization; automatic exporting to Excel; custom budget templates; and live customer support

If there’s one personal budgeting software product with higher name recognition than Mint, it’s Quicken.

With a broader range of features than many of the newer entrants on this list, Quicken is ideal for serious household budgeters and small-business owners looking for cost-effective income and expense management without the CPA price tag.

That’s not to say Quicken is cheap; the Home & Business plan is among the priciest products on this list.

But you get what you pay for, particularly with this plan: a slew of helpful tax and expense tools, including Schedule C and E forecasting, plus business essentials such as custom invoices and estimates with embedded payment links.

You can even save rental documents directly to Quicken, making it a viable business management platform for small-time landlords.

Here’s a breakdown of Quicken’s plan options:

  • Starter. This plan allows you to see all your accounts in one place, make a budget, and manage your bills.
  • Deluxe. With this plan, you get a sophisticated account dashboard that provides insight into your deposit, credit card, loan, and investment accounts.
  • Premier. Investment analysis, tax planning, online bill pay tools, and a home market value analysis tool make Premier a nearly one-stop personal finance management shop.
  • Home & Business. This powerful plan has profit and loss tracking and reporting, personal and business expense tracking and reporting, property management tools for landlords, and custom invoice creation for businesses of all types.

If you’re just looking to get your household expenses under control and better manage your cash flow, Quicken’s firepower probably isn’t necessary. On the other hand, if you aim to build your own miniature business empire, it’s right up your alley.

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6. Simplifi

  • Plans: One plan for all features and capabilities with a free 30-day trial
  • Features: Flexible savings goals; automatic transaction categorization; secure links to more than 10,000 financial institutions; bill management tools; customizable spending plans that keep your budget on track

Powered by Quicken, a market leader in personal and business budgeting, Simplifi links securely with more than 10,000 financial institutions, providing a one-stop snapshot of your entire financial life.

It also has a (financial) lifesaving bill management tool that reminds you about bills you autopay every month — bills that, collectively, are a serious drag for your finances.

There’s more. Simplifi’s fully customizable spending plan tool uses information from your linked accounts and any additional details you’re able to provide to tally up your income and bills and show you what you can safely spend at any given point in time.

Meanwhile, Simplifi’s savings goal feature helps you organize your financial plans and stay on track for objectives large and small, from finding room in your budget for a nice dinner out to paying off your student loans ahead of schedule.

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7. Empower

  • Plans: One plan for all features and capabilities
  • Features and Capabilities: Customizable budgeting categories; custom spending limits (or suggested limits); monthly spending reports; built-in savings suite; optional bill negotiation

Empower is a lightweight deposit account app with lots of valuable features for budgeting and saving.

These include infinitely customizable budgeting categories with custom spending limits or suggested limits based on your monthly income, automatic alerts that notify you when you’re in danger of busting your budget (or come in well under your self-imposed limits), and monthly spending reports that can help you spend better in the future.

Empower has a built-in savings suite that keeps track of recurring subscriptions that could be bleeding your budget and offers optional bill negotiation (with Empower taking a cut of any savings) for any recurring bills or subscriptions you don’t want to cancel.

Pair this with Empower’s personalized credit-building recommendations and you’ve got one of the best Mint alternatives around.

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8. PocketSmith

  • Plans: Plans range from Basic (free) to Super (fairly expensive)
  • Features and Capabilities: Super features include automatic transaction categorization; automatic and manual transaction importing; unlimited accounts and budgets; and financial projections up to 30 years out

PocketSmith has three plans, one of which is totally free:

  • Basic. This free plan supports manual transaction importing only, not syncing — although, happily, you don’t have to import transactions one by one. You’re limited to two financial accounts, 12 budgets, and six months’ cash flow projections (which include projected statement balances). Basic is ideal for simple financial situations but not much more.
  • Premium. Touted by PocketSmith as its most popular subscription, this plan includes unlimited budgets, 10 accounts, and cash flow projections up to 10 years out. It also comes with automatic bank feeds (syncs), automatic and manual transaction importing options, and automatic transaction categorization.
  • Super. This plan includes unlimited accounts and cash flow projections up to 30 years out. For diligent, confident consumers, Super’s 30-year time horizon may effectively supplant a human financial planner at a fraction of the cost.

PocketSmith has some key advantages that may appeal to specific consumer niches. For instance, its bank feed feature supports accounts in 36 countries, and the software itself supports multiple currencies besides U.S. dollars — great news for American expats whose finances have gone native.

The budget calendar, which lets users schedule bills in an intuitive calendar view, caters to visual thinkers. The custom budget periods (weekly, monthly, and even daily) speak to users who prefer not to segment their lives by statement cycles.

PocketSmith integrates seamlessly with Xero, a popular small-business accounting software, which is a boon for small-business owners, solopreneurs, and freelancers with substantial self-employment income.

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9. EveryDollar

  • Plans: The standard EveryDollar app (manual budgets only) is free; EveryDollar Plus (automatic transaction importing and live support) is one of the costlier options on this list
  • Features and Capabilities: Custom budget templates with categories that fit your financial life; manual transaction entry (standard EveryDollar app); automatic transaction importing (EveryDollar Plus only); live phone support (EveryDollar Plus only)

EveryDollar is a no-frills budgeting and personal finance app from money management guru Dave Ramsey.

Since it doesn’t allow external account syncing or automatic transaction imports, the low-key free version is really only appropriate for individuals and families with relatively simple household budgets — predictable incomes, predictable bills, and few discretionary expenses.

Those with more complicated finances may want to spring for EveryDollar Plus, which syncs with most external accounts and automatically imports transactions into the platform’s custom spreadsheets.

EveryDollar Plus comes with priority customer support too, although the EveryDollar team does not include certified financial planners and is not in the business of giving actionable financial advice. Whether EveryDollar Plus is worth the cost is your call.

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10. MoneyStrands

  • Plans: All features and capabilities are free
  • Features and Capabilities: Automatic syncing with external financial accounts; savings goals; personalized budgets with custom spending categories; OK to Spend (a sort of traffic light for near-term spending decisions)

MoneyStrands is a free personal budgeting app with iOS and Android versions. Although it’s not as pretty or feature-rich as some paid competitors, it boasts budgeting tools such as:

  • Automatic syncing with external financial accounts, including banks, brokerages, and money transfer apps
  • Goal-based budgeting for help reaching medium- and long-term savings goals
  • Personalized budgets that let you set category-based spending limits and ensure you consistently spend less than you earn
  • OK to Spend, an algorithm-driven feature that analyzes your cash flow and tells you when you can loosen the belt a little (and when you really should buckle down)

MoneyStrands isn’t infallible; in particular, OK to Spend is not a substitute for financial discipline.

But it’s a fine choice for consumers looking first and foremost for insight into household spending and saving patterns that feel inscrutable or out of control, as well as for folks looking to set and stick to long-term savings goals.

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11. Buxfer

  • Plans: Plans range from Basic (free) to Prime (pricey)
  • Features and Capabilities: Prime features include automated account syncing; unlimited linked accounts, budgets, rules, and reminders; investment tracking; budget forecasting; savings goals; full data backup; phone and chat support

One of Buxfer’s five pricing tiers is sure to fit your financial life. You can choose from:

  • Basic. This free, limited plan allows no more than five linked accounts and five budgets, making it ideal for straightforward financial situations.
  • Pilot. This plan provides automatic account syncing and transaction tagging. It’s probably the best value for frugal budgeters who can’t be bothered to enter transactions manually.
  • Plus. This plan provides unlimited linked accounts and budgets.
  • Pro. This plan’s higher price tag buys you sophisticated forecasting and cash flow tracking tools for far greater insight into your spending and saving than lower-priced plans.
  • Prime. This plan is much more expensive than the others, but it buys you what’s essentially an out-of-the-box financial planning suite.

Buxfer syncs with about 10,000 U.S. financial institutions, meaning your bank is probably on the list.

Other differentiators include free-form custom transaction tags (you can call a transaction whatever you like and assign it to multiple categories) and custom spending limits for each tag (ideal for preventing repeat overspending in the same categories).

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12. CountAbout

  • Plans: Basic and Premium; add-ons for an additional price
  • Features and Capabilities: Basic incorporates bulk importing from Quicken; Quicken Interchange Format (QIF) importing from compatible banks; customized spending categories and tags; customized budget creation; income and spending graphs; running register balances; and income reconciliation. Premium supports automatic downloading of financial account data.

CountAbout is a versatile money management app for serious budgeters. When you sign up for the 15-day free trial, you’re automatically enrolled in the Premium plan, whose signature feature is automatic downloading of financial account transactions from any of the thousands of financial institutions with which CountAbout is compatible.

At the trial’s end, you’ll continue your Premium membership unless you downgrade to Basic. CountAbout wagers that you won’t be willing to give up automatic downloading.

Neither plan comes with CountAbout’s two add-on features:

  • Adding images, such as canceled check impressions, to stored transactions
  • A basic small-business invoicing function

Freelancers and solopreneurs who can’t afford — or prefer not to pay for — more sophisticated invoicing software may find the invoicing add-on worth the cost.

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13. Moneydance

  • Plans: One-time purchase (reasonably priced compared with paid-annually and paid-monthly competitors)
  • Features and Capabilities: Automatic transaction downloading and importing from hundreds of compatible financial institutions; automatic tracking and tagging; account summaries featuring snapshots of all linked accounts with past and upcoming transactions and balances; customized reporting; digital account registers with automatic balance updates; bill payment reminders

First launched in 1998, Moneydance predates Mint by eight years. Although Moneydance hasn’t gained much in the way of name recognition since the days of the Y2K panic, the small team responsible for its upkeep has learned plenty along the way — including, to frugal budgeters’ delight, that monthly recurring revenue isn’t everything.

You need only pay once for Moneydance; after that, the desktop version and mobile app are yours in perpetuity.

Moneydance is notable for recognizing virtually any kind of currency, not just U.S. dollars and major world denominations. Coupled with industry-leading security, that makes it a natural choice for cryptocurrency buffs, to whom most mainstream budgeting apps merely pay lip service if they pay anything at all.

Moneydance comes with an unusually long — 90-day — free trial, during which unhappy users may request their money back with no questions asked.

In keeping with its old-school vibe, Moneydance assigns each user a unique license key; it’s not the end of the world if you lose yours, but you’ll need to contact Moneydance to recover it.

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14. NeoBudget

  • Plans: The Free version costs nothing (and is ad-free to boot); the Standard version is paid but comes with more features.
  • Features and Capabilities: Envelope-based budgeting; manual transaction entry; bulk transaction importing; data exporting to third-party apps

NeoBudget is another low-key budgeting app that’s flown under the radar for years. Its approach is a digital version of analog envelope budgeting, wherein the consumer assigns each spending category a literal envelope and a fixed monthly allotment.

NeoBudget’s Free version accommodates one user, one account, and 10 envelopes — enough for singles and frugal couples with very straightforward financial situations but not much more. The Standard version allows unlimited users, accounts, and envelopes — appropriate for a broader range of use cases.

NeoBudget is fairly hands-on. For instance, you can import transactions from your financial accounts in bulk, but you’ll need to manually allocate each to an envelope or split more complex transactions between envelopes.

You may relish the chance to review individual transactions regularly, or you may have nowhere near the time or emotional capacity needed for such an endeavor.

Check out our NeoBudget review to learn more.

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15. Goodbudget

  • Plans: The Free version costs nothing and is appropriate for simple budgets. The Plus version carries a modest annual cost and can manage the most complex household budgets.
  • Features and Capabilities: Envelope-based budgeting; up to seven years of financial history; multidevice money management capabilities; debt tracking

Goodbudget is another envelope-based system that has a lot in common with NeoBudget. With up to 20 envelopes, one account, and two devices, its Free version is a bit more comprehensive than NeoBudget’s.

The typical frugal couple can probably manage its finances effectively without upgrading to Plus, a relatively pricey paid plan.

For families with more complicated budgets, Plus is just what the financial doctor ordered. Plus supports unlimited envelopes, unlimited accounts, and five devices, making it a great product for teaching kids about money.

If you’re dealing with a frustrating load of high-interest debt, don’t miss Goodbudget’s special Debt Accounts feature, which helps you implement a plan for zeroing out those budget-busting obligations.

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Final Word

With apologies to the fine folks at YNAB, it’s not entirely clear that you need a budget. Plenty of financially fit folks swear off budgeting altogether and personal finance software along with it.

These people still follow the golden rule of personal finance, of course: to spend less than they earn. But they don’t worry so much about category-based spending limits, strict savings rates, or periodic cash flow analyses.

They simply do what they need to do to live within their means, set financial goals, and prepare for the future. Call it financial self-discipline.

However, not everyone is inclined to financial self-discipline, at least not without the aid of a personal budget. Whether that budget takes the shape of a custom-made Google Sheets spreadsheet, strongbox holding envelopes of cash, or a low-cost digital budgeting app — well, that’s a personal decision.

Brian Martucci writes about credit cards, banking, insurance, travel, and more. When he's not investigating time- and money-saving strategies for Money Crashers readers, you can find him exploring his favorite trails or sampling a new cuisine. Reach him on Twitter @Brian_Martucci.