The Best Mint Alternatives in 2026
Intuit discontinued Mint in early 2024 and pushed users to Credit Karma, which doesn't replicate Mint's budgeting depth. If you're still looking for a replacement, the right pick depends on whether you want to track the past or plan the future.
If You Want Budgeting and Tracking
Monarch Money is the most popular Mint-style replacement — clean dashboards, net-worth tracking, and shared household budgets. YNAB is the pick if you want a disciplined, zero-based budgeting method. Copilot Money is the most polished option for Apple users, and Simplifi by Quicken is among the cheapest while adding a near-term cash-flow projection.
These are all solid trackers. But like Mint, they're backward-looking: they categorize what you already spent and leave the 'so what do I do?' to you.
If You Want Leak-Plugging and Bill Help
Rocket Money finds and cancels unwanted subscriptions and negotiates bills. PocketGuard boils budgeting down to a single 'safe to spend' number. Both are good at narrow jobs rather than a full financial picture.
If You Want a Plan, Not Just a Dashboard
This is where Lodestar is different. Instead of another rear-view dashboard, Lodestar runs a free diagnostic and hands you a prioritized Personal Action Plan — each move tagged with its estimated dollar impact — plus a Live Net-Worth Simulator with Monte Carlo ranges. You can start by uploading a statement or entering a few figures — no account linking required, and a free account takes a minute. Prefer to look first? The interactive demo needs no login at all.
Many people pair the two: a tracker for day-to-day budgeting, and Lodestar for the forward-looking plan.
How to Choose
Want the closest Mint feel? Monarch. Want budgeting discipline? YNAB. On Apple and want polish? Copilot. Cheapest? Simplifi. Want to be told what to do next, ranked by dollar impact? Lodestar.
FAQ
What happened to Mint?
Intuit shut Mint down in early 2024 and migrated users to Credit Karma, which lacks Mint's budgeting features.
Is there a free Mint alternative?
Lodestar's diagnostic is free and goes beyond tracking to a ranked plan with dollar impact. Most dedicated trackers (Monarch, YNAB, Copilot) are paid; Rocket Money and PocketGuard have free tiers.
Do I have to link my bank?
Not with Lodestar — upload a statement or enter figures by hand. Bank linking via Plaid is optional.