Best Mint Alternatives in 2026: What to Use After the Shutdown

Mint Is Gone — Here's What Actually Replaces It

On January 1, 2024, Intuit shut down Mint. Millions of people lost the app they had relied on for free budgeting and debt tracking, and Intuit's suggested replacement — Credit Karma — is a completely different product focused on credit monitoring and loan advertisements.

Two years later, the search for a real Mint replacement is still ongoing. This guide covers the best alternatives, what each one actually does well, and which one makes the most sense depending on what you used Mint for.

Why Credit Karma Isn't a Real Mint Replacement

Intuit told departing Mint users to try Credit Karma, but the two apps serve completely different purposes. Credit Karma is an advertising platform that shows you your credit score and recommends financial products (credit cards, loans, insurance) tailored to your profile. It's free because you're the product.

Mint was a budgeting and debt tracking app. It let you see all your accounts in one place, categorize spending, set budgets, and track your debt balances over time. Credit Karma does almost none of that. If you used Mint for anything beyond checking your credit score, you need a different replacement.

The Best Mint Alternatives in 2026

1. Toffee — Best for Debt Payoff

If you used Mint primarily to track your debt balances and monitor your progress toward paying them off, Toffee is the strongest replacement — and in several ways, it's better than Mint ever was for this use case.

Mint tracked debt as a balance. Toffee turns it into a plan. You connect your accounts, pick a payoff strategy (avalanche or snowball), and Toffee shows you exactly when each debt will be paid off and how much interest you'll pay over the life of each loan. Mint never did this.

• What it does: Debt tracking, avalanche and snowball strategies, payoff date projections, interest calculator, bill reminders, account syncing
• Price: 14-day free trial, then $79/year (~$6.58/month)
• Platform: iOS & Android
• Best for: People who carried debt and want a plan to eliminate it

2. YNAB — Best for Zero-Based Budgeting

YNAB (You Need A Budget) is the most feature-complete Mint replacement for people who want strict control over their budget. It uses a zero-based budgeting approach — every dollar you earn gets assigned to a category before you spend it — which is genuinely effective for stopping overspending.

The catch is the learning curve. YNAB's “method” takes several weeks to internalize, and the app reflects that complexity. It's also $99/year — more expensive than Toffee. If your primary goal was tracking spending categories in Mint, YNAB is probably your best option. If your primary goal was tracking debt, Toffee is more focused — see the full Toffee vs. YNAB comparison.

• What it does: Zero-based budgeting, goal tracking, reports, account syncing
• Price: $99/year (34-day free trial)
• Platform: iOS, Android, Web
• Best for: People who want to master every-dollar budgeting

3. Monarch Money — Best Full Financial Picture

Monarch Money is the closest thing to a like-for-like Mint replacement in terms of overall scope. It tracks budgets, spending, investments, and net worth — giving you the complete financial overview Mint used to provide.

It's particularly well-suited for couples managing finances together, with shared account features Mint never had. The downside is price: $99.99/year, and it doesn't have the focused debt-elimination features that Toffee offers.

• What it does: Budgeting, spending tracking, net worth, investments, shared accounts
• Price: $99.99/year (7-day free trial)
• Platform: iOS, Android, Web
• Best for: Couples or people who want a Mint-like full financial overview

How to Choose the Right Mint Alternative

The right answer depends on what you actually used Mint for:

• You primarily tracked debt balances: Start with Toffee. It does more than Mint ever did for debt — with built-in payoff strategies and interest calculators that Mint lacked.
• You tracked spending categories and budgets: Try YNAB. It's more rigorous than Mint was, which is good if you want to actually change spending habits.
• You wanted an overview of all your finances: Try Monarch Money. It's the most Mint-like in scope, especially if you also track investments.
• You mainly used Mint for your credit score: Credit Karma actually covers this part. For everything else, you'll need one of the options above.

What Mint Was Missing (That Its Replacements Have)

Mint was free, which made it popular — but free meant ad-supported, and the ads often pushed financial products that weren't in users' best interests. More importantly, Mint was passive. It tracked what you spent but didn't help you change behavior or build a payoff plan.

The paid alternatives are more expensive, but they're built to actually help you improve financially — not to sell you another credit card. If you had debt and used Mint to watch it not go down, Toffee will show you why it wasn't going down and give you a plan to fix that.

For a deeper look at how the contenders stack up, see our full Mint alternatives comparison page, or run your debts through the free debt payoff calculator to see what a real payoff plan looks like.