Mint shut down in March 2024, and Credit Karma, where Intuit sent its users, has no budgets. If you want Mint's automatic tracking back with a real budget on top, these five apps cover every price: Simplifi ($83.88/yr), Copilot ($95/yr, no Android), Monarch ($99.99/yr), YNAB ($109/yr) and Spense ($24.99/year after a 14-day free trial, no card). Prices checked October 7, 2026.
Mint Has Shut Down
Intuit closed Mint in March 2024 and moved its users to Credit Karma. Credit Karma still shows your transactions and spending by category, but you can't set a budget there. For that you need a dedicated budget app.
Mint was the go-to free budgeting app for millions. All five replacements below are paid apps, and all five connect to your bank. They differ in price, platform and how much of the budgeting they do for you.
| App | Price | Free Trial | Android | Best For |
|---|---|---|---|---|
| Spense | $2.99/month or $24.99/year | 14 days — no card required | ✓ | Envelope budgeting, automatic or hands-on |
| YNAB | $14.99/mo or $109/yr | 34 days, no card | ✓ | Zero-based budgeting purists |
| Monarch Money | $14.99/mo or $99.99/yr | 7 days, billed when it ends | ✓ | Couples, households and investments |
| Copilot | $13/mo or $95/yr | 1 month, card required | No (iPhone, iPad, Mac, web) | Apple users who want automation |
| Simplifi by Quicken | $6.99/mo, billed yearly ($83.88) | None (30-day money-back) | ✓ | Spending watchlists |
Prices checked October 7, 2026 on each app's own site. Simplifi is sold yearly only, and Quicken has offered a lower first-year price ($47.88) at times.
Considering Rocket Money instead? It's a subscription-canceling app first and a budget app second — see our full Spense vs Rocket Money comparison before you commit.
Spense is designed for people who want more than passive expense tracking. Unlike Mint, which only showed you where money went, Spense helps you decide where money should go.
Why Spense beats Mint:
Price: $2.99/month or $24.99/year. 14-day free trial — no credit card required. There is no free plan after the trial.
YNAB (You Need A Budget) is the gold standard for zero-based budgeting. It's more hands-on than Mint ever was, but that's the point — it teaches you to be intentional with every dollar.
Pros
Cons
Price: $14.99/month or $109/year (34-day free trial, no card). Leaving YNAB instead? The switching guide covers it.
Monarch is a polished, modern budgeting app that excels at household finances. You can add your partner to the same subscription at no extra cost, each with their own login.
Pros
Cons
Price: $14.99/month or $99.99/year (7-day free trial). More in our Spense vs Monarch comparison.
Copilot is known for its sleek design and automatic categorization, and it's the closest to the "set it and forget it" Mint experience. It runs on iPhone, iPad, Mac and the web, but there is no Android app.
Pros
Cons
Price: $13/month or $95/year (1-month free trial, card required). On Android? See Copilot Money on Android.
Simplifi is Quicken's modern, simplified budgeting app. Instead of strict budgets, it gives you a spending plan plus watchlists: pick a category, merchant or tag to keep an eye on, with an optional target and an alert when you get close.
Pros
Cons
Price: $6.99/month, billed yearly ($83.88/year at the regular price). No free trial, but a 30-day money-back guarantee.
Intuit's official recommendation was to move Mint users to Credit Karma. Credit Karma is free and keeps some of what Mint did: your linked accounts, transactions, spending by category and net worth. But it's a credit monitoring service first, and it stops at showing you what happened.
Credit Karma is NOT a Mint replacement because:
Spense isn't the right replacement for every former Minter. Pick something else if:
Mint's data is gone, so every app starts from your bank. That makes switching quicker than it sounds: most budgeting apps connect to your bank in minutes.
Migration steps:
In Spense, start with Connect a bank account or add an account you track by hand, then set up your first budget. Coming from YNAB rather than Mint? You can import your YNAB data.
Mint's shutdown is actually an opportunity. Mint was never great at helping you change your financial behavior — it just showed you what already happened.
The best Mint alternatives help you be proactive with your money. They give every dollar a job before you spend it, not after.
Our recommendation:
Spense offers the best balance of automation (like Mint) and proactive budgeting (like YNAB) at a price that won't break the bank. It's what Mint should have been.
Want the thinking behind Spense before you switch? Read The Spense Method — the four rules behind everything the app does.
No. Intuit shut Mint down in March 2024 and moved its users to Credit Karma. There is no Mint app or website to go back to.
No. Credit Karma shows your linked accounts, transactions, spending by category and net worth, and compares this month with last. You cannot set a budget for a category or a savings goal. It tracks your money; it does not plan it.
Of the five apps here, Spense: $24.99/year or $2.99/month after a 14-day free trial, no card. The next cheapest is Simplifi at $83.88 a year at its regular price. YNAB is the most expensive at $109 a year. Prices checked October 7, 2026.
No. Spense imports YNAB's export file, not Mint or Credit Karma data. Connect your bank and Spense pulls in your recent transactions, or add accounts by hand if you would rather not link one.
Prices and features checked October 7, 2026 on each company's own pages (ynab.com, monarch.com, copilot.money, quicken.com and Google Play). Spense is $2.99/month or $24.99/year after a 14-day free trial, no card. See pricing.
Try Spense free — no credit card required.
Keep exploring envelope budgeting and financial wellness
YNAB is $109 a year and climbing. Here's the step-by-step: export your plan from YNAB, import categories and transaction history into Spense, map your accounts, and cancel without losing anything you care about.
Most budgeting-app lists are written on an iPhone. We compared eight apps on native Android support, bank sync, budgeting method, and honest pricing — including the one you can't get on Android at all.
Monarch Money is $14.99/mo or $99.99/yr in 2026, with a new $199+/yr Plus tier and no free plan. Here's the full pricing picture — and what to use if you mostly want a budget.