Mint shut down on January 1, 2024. If you're looking for a replacement, the best option depends on what you used Mint for most — budgeting, subscription tracking, or both. Here's an honest comparison of the top alternatives.
| App | Best For | Bank Required | Global | Free Plan | Price |
|---|---|---|---|---|---|
| CentryAI | Subscription tracking | No | Yes (18 languages) | Yes | Free / $7.99/mo |
| YNAB | Zero-based budgeting | Yes | Yes | Trial only | $14.99/mo |
| Monarch Money | Full Mint replacement | Yes | US only | Trial only | $14.99/mo |
| Copilot | Apple users | Yes | US only | Trial only | $13/mo |
| PocketGuard | Spending limits | Yes | Limited | Limited | $12.99/mo |
| Credit Karma | Credit monitoring | Yes | US only | Yes | Free |
CentryAI
Best Without Bank LinkingBest for: Anyone who primarily used Mint to track recurring subscriptions and wants a smarter, privacy-first replacement that doesn't require bank access.
CentryAI goes further than Mint ever did on subscriptions. Instead of waiting for bank transactions to appear, it scans your Gmail or iCloud inbox to detect every subscription from billing emails — catching services Mint missed because they weren't linked to a tracked account. It then scores each subscription with a Zombie Score to flag services you're paying for but no longer using.
The Cancel Finder feature is unique: it uses AI to instantly locate the exact cancellation page for any service, including the ones that bury the cancel button under live chat flows and retention screens. No other Mint alternative offers this.
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YNAB (You Need A Budget)
Best Full Budgeting AppBest for: Former Mint users who want a complete budgeting system and are willing to invest time in learning zero-based budgeting.
YNAB uses a zero-based budgeting philosophy — every dollar is assigned a job before it's spent. It's more actively managed than Mint was, which means it requires more effort but produces better results for people serious about their finances. Bank linking is required; it supports major US and international banks.
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Monarch Money
Closest Mint ReplacementBest for: Former Mint users in the US who want the most similar experience — budgeting categories, net worth, investments, and household spending in one place.
Monarch Money is the most direct replacement for Mint's full feature set. It offers budget categories, net worth tracking, investment accounts, and cash flow analysis — all with a clean interface. It's currently US-only and requires bank linking.
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Copilot Money
Apple EcosystemBest for: US-based iPhone and Mac users who want a beautifully designed budgeting app and don't need Android or international support.
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Credit Karma
Credit Monitoring OnlyHonest take: Intuit redirected Mint users to Credit Karma, but it's not a budgeting or subscription tracking tool. It's a credit score monitoring service with some spending insights bolted on.
If you primarily used Mint to track subscriptions, cancel unused services, or budget your monthly spending, Credit Karma won't fill that gap. It's useful for monitoring your credit score, but it's not a Mint replacement in any meaningful sense.
The right Mint alternative depends on which feature you relied on most:
Mint tracked subscriptions by detecting recurring transactions from linked bank accounts. This approach had two major problems: it missed subscriptions on cards you hadn't linked, and it couldn't tell you whether you were actually using what you paid for.
CentryAI solves both. It scans your email inbox — where every subscription sends billing receipts — so it catches subscriptions across all cards and accounts. And it assigns each subscription a Zombie Score based on usage signals, so you know not just what you pay for but what you should cancel.
It also doesn't require bank access. Mint's bank-linking model was its biggest privacy liability — one that caused significant anxiety for users. CentryAI uses read-only email access only, and email content is never stored on its servers.
Intuit shut down Mint on January 1, 2024. Users were redirected to Credit Karma, another Intuit product. All Mint data was permanently deleted when the service closed. Mint had been operating since 2006 and had over 3.6 million active users at its peak.
CentryAI is the best free Mint alternative for subscription tracking — it has a permanent free plan (up to 3 subscriptions) with no bank account required. For full budgeting, YNAB offers a 34-day free trial and Monarch Money offers 7 days. No fully-featured free budgeting app has emerged to truly replace what Mint offered for free.
CentryAI. It detects subscriptions by scanning your Gmail or iCloud inbox instead of your bank account — read-only email access, no banking credentials required. This makes it the most privacy-friendly Mint alternative available.
No. Credit Karma is a credit score monitoring service, not a budgeting or subscription tracking tool. Intuit redirected Mint users there, but it doesn't replicate Mint's core features. Most former Mint users have switched to YNAB, Monarch Money, or CentryAI depending on their needs.
CentryAI works globally — 18 languages, all currencies, no US bank account needed. YNAB also has strong international bank support. Monarch Money and Copilot are currently US-only. PocketGuard has limited international coverage.
Monarch Money is the closest direct replacement for Mint's full feature set — budgeting categories, net worth, investments, and spending analysis in one app. For subscription tracking specifically, CentryAI is more powerful than Mint was, with AI detection and zombie scoring that Mint never offered.
Mint's data export window closed when the service shut down on January 1, 2024. If you didn't export your transaction history before then, that data is no longer recoverable. Going forward, any new subscription tracking or budgeting tool you use will start fresh from the date you sign up.
CentryAI detects every subscription from your inbox, flags the ones you've forgotten, and finds the cancel page in one tap. The Mint replacement built for subscriptions — free to start.
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