The best Mint alternatives in 2026
Mint shut down in March 2024. Most replacements now cost money. Neptune is the free, ad-free Mint alternative that connects your banks, tracks budgets and net worth, and answers money questions with AI.
What happened to Mint?
Intuit shut Mint down on March 23, 2024, and pushed its roughly 3.6 million users toward Credit Karma, another Intuit product. But Credit Karma was never a budgeting app. It has no real budgets, no spending-by-category planning, and no way to recreate the Mint workflow millions of people relied on for over a decade.
That left a lot of people looking for a new home for their money. The problem: almost every serious Mint alternative now charges a subscription. Mint was free because it made money from ads and lead generation inside the app. The apps that replaced it mostly dropped the ads and added a monthly fee instead.
What made Mint great, and what is missing now
Mint worked because it was free, connected to almost every bank, and pulled everything into one dashboard: spending, budgets, bills, and net worth. You could open it, see where your money went, and set category budgets without paying anything.
Free with bank sync
Mint linked your accounts and imported transactions automatically at no cost. Most alternatives now put that behind a paywall.
Budgets by category
Mint let you set monthly limits per category and warned you when you got close. Credit Karma does not replace this.
Net worth in one place
Mint tracked assets and debts together so you could watch your net worth over time. Neptune keeps this free.
The tradeoff: ads
Mint paid for itself with ads and credit-card offers. Neptune earns from subscriptions instead, so it stays ad-free and never sells your data.
Mint alternatives compared
Here is how the most common Mint replacements stack up on price. Figures are approximate and billed annually where noted; check each provider for current pricing.
| App | Approx. price | Free tier | Best for |
|---|---|---|---|
| Neptune | Free, ~$96/yr Base | Yes | Free, ad-free, AI budgeting |
| Rocket Money | Free + ~$4-12/mo | Yes | Bill negotiation, subscriptions |
| Monarch | ~$99.99/yr | No | Detailed planning, couples |
| YNAB | ~09/yr | No | Zero-based, hands-on budgeting |
| Empower | Free | Yes | Net-worth and investment tracking |
| Simplifi | ~$47.88/yr | No | Simple spending plan |
Neptune: the closest free, ad-free replacement for Mint
If what you loved about Mint was seeing all your money in one free dashboard, Neptune is the closest match. It connects to more than 12,000 banks and credit unions through Plaid, imports and categorizes your transactions automatically, and tracks budgets and net worth without ads.
The part Mint never had is the AI. Neptune has a built-in assistant that answers plain-English questions about your money, like how much you spent on groceries last month or whether you can afford a purchase. It is free to start, and you only upgrade if you want more connected institutions, shared households, or deeper AI insights.
Free to start
Create an account and connect your first bank at no cost. No credit card required.
Ad-free and private
Neptune never sells your financial data or fills your dashboard with credit-card offers.
Works everywhere
Use Neptune on the web, iPhone, and Android, with one account that syncs across all of them.
AI that answers questions
Ask about spending, budgets, and net worth in plain English instead of digging through reports.
Paid Mint alternatives worth the money
If you want a specific workflow and do not mind paying, a few paid apps are genuinely good. YNAB (around
09 a year) is the gold standard for zero-based budgeting if you want to give every dollar a job and are willing to be hands-on. Monarch (around $99.99 a year) is polished and strong for couples and detailed planning. Rocket Money has a free tier plus premium around $4 to 2 a month and can negotiate bills and cancel unwanted subscriptions.Neptune covers most of what these do while staying free to start, so it is worth trying first before you commit to a subscription elsewhere.
Related guides and comparisons
- Best budgeting apps in 2026 - A full breakdown of the top budgeting apps, pricing, and who each one is for.
- Best Monarch Money alternatives - Cheaper and free options if Monarch is more app than you need.
- AI budgeting app - How Neptune uses AI to categorize spending and answer money questions.
- How to make a budget - A simple step-by-step guide to building your first budget that sticks.
Frequently asked questions
Is Mint gone for good?
Yes. Intuit shut Mint down on March 23, 2024, and moved users to Credit Karma, which is not a budgeting app. If you used Mint for budgets and net worth, you will need a dedicated replacement.
What is the best free Mint alternative?
Neptune is the closest free, ad-free replacement. It connects your banks through Plaid, tracks budgets and net worth, and adds an AI assistant, all free to start. Empower is a good free option if you mainly want net-worth and investment tracking.
Did Credit Karma replace Mint?
Not really. Credit Karma is where Intuit sent Mint users, but it has no real budgets or spending-by-category planning, so it does not recreate the Mint experience.
Are there any free Mint alternatives left?
Yes, but fewer than before. Neptune is free to start and ad-free, and Empower offers a free net-worth tracker. Most other alternatives, like Monarch and YNAB, are subscription-only.
How much do Mint alternatives cost?
It varies. YNAB is about
09 a year, Monarch about $99.99 a year, and Simplifi about $47.88 a year. Rocket Money has a free tier plus premium from about $4 to 2 a month. Neptune is free to start, with a Base plan around $96 a year.