Mint Alternative
Best Mint Alternatives in 2026
Mint shut down on January 1, 2024 — and millions of users have been searching for a replacement ever since. Intuit redirected users to Credit Karma, but Credit Karma focuses on credit monitoring and ads, not budgeting. Here are the best Mint alternatives based on what you need most.
No credit card required
Why People Leave Mint
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Mint was shut down on January 1, 2024 — it no longer exists
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Intuit redirected users to Credit Karma, which has different features
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Credit Karma is ad-supported and focused on credit monitoring, not debt payoff
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No replacement for Mint's budgeting and debt tracking in one app
#1 Alternative: Toffee — Built for Debt Payoff
Toffee is an iOS app purpose-built for people who want to eliminate debt. Where Mint focuses on basic tracking, Toffee is laser-focused on helping you become debt-free as fast as possible.
Debt Avalanche & Snowball
Built-in strategies that mathematically optimize your payoff order to save the most interest or stay motivated.
Exact Payoff Dates
See precisely when each debt will be paid off — and how paying extra each month changes that date.
Automatic Account Sync
Connect your bank accounts and credit cards so your balances update without manual entry.
Interest Calculator
See exactly how much interest you'll pay over the life of each debt, and how extra payments reduce that.
Bill Reminders
Never miss a payment with smart bill reminders that help you avoid late fees and penalty rates.
Expense Tracking
Track your spending to find money to put toward debt payoff each month.
Toffee vs Mint: Feature Comparison
| Feature | Mint | Toffee ✓ |
|---|---|---|
| Status | Discontinued (Jan 2024) | Active |
| Price | Was free | Free tier, then $39.99 one-time |
| Debt payoff strategies | No | Yes (Avalanche & Snowball) |
| Payoff date projections | No | Yes |
| Account sync | Yes (when active) | Yes |
| Bill reminders | Yes (when active) | Yes |
| iOS native | Yes (when active) | Yes |
Frequently Asked Questions
What happened to Mint?
Intuit shut down Mint on January 1, 2024. The app no longer works, and users were redirected to Credit Karma, which is a very different product focused on credit monitoring and financial product advertisements.
What is the best free Mint alternative?
There's no exact free replacement for Mint. The closest alternatives are Toffee (free to download, with a one-time $39.99 payment to unlock premium), YNAB ($99/year), and Monarch Money ($99.99/year). For a free option, NerdWallet or Personal Finance templates in Google Sheets can work, but you'll lose automatic account syncing.
Should I use Credit Karma instead of Mint?
Credit Karma serves a different purpose than Mint. Credit Karma monitors your credit score and shows you targeted loan and card offers. It's not a budgeting app and doesn't track your debt payoff progress. If you used Mint primarily for budgeting or debt tracking, you'll want a dedicated alternative like Toffee.
What Mint alternative is best for paying off debt?
Toffee is the best Mint alternative for debt payoff. It goes beyond what Mint offered by adding debt avalanche and snowball strategies, exact payoff date projections, and an interest calculator — tools Mint never had. Toffee is free to download, with premium unlocking via a one-time $39.99 payment.
Is there a Mint alternative that's completely free?
Truly free alternatives with account syncing are rare since the data aggregation infrastructure is expensive. Toffee is free to download, with core debt tracking always available on the free tier. Premium features unlock with a one-time $39.99 payment — no subscription, ever.
Compare & Calculate
Free Debt Payoff Calculator
Enter your debts and compare avalanche vs snowball to see your exact debt-free date and interest savings.
Best YNAB Alternatives
Comparing apps beyond Mint? See how the top YNAB alternatives stack up for debt payoff.
Best Monarch Money Alternatives
Comparing apps beyond Mint? See how the top Monarch Money alternatives stack up for debt payoff.
Ready to Pay Off Your Debt Faster?
Join thousands of people using Toffee to track their debt and build a plan to become debt-free.
iOS & Android · No credit card required