Mint alternatives
in 2026.
mint closed on march 23, 2024 and pointed everyone at credit karma, which can't set a budget. two and a half years on, the replacements have settled into three price tiers. here they are, with what each one is actually for.
The short version
If you want a full replacement for Mint's budgets, net worth and reports, the leaders are Monarch, Copilot and YNAB, and they cost $95–$110 a year. If you want something lighter, Rocket Money and Cleo have free tiers built around bills and subscriptions, and Quicken Simplifi sits in the middle. If what you actually wanted from Mint was to understand where the money goes, TallyMap is the one that draws it on a map instead of a sheet, and it is the only one with a free tier that never asks for a bank.
Side by side
| app | monthly | yearly | free tier | bank sync | what it is for |
|---|---|---|---|---|---|
| Monarch | $14.99 | $99.99 | no (7-day trial, card required) | Plaid, MX, Finicity | the closest full Mint replacement: budgets, net worth, shared with a partner |
| Copilot Money | $13 | $95 | no (1-month trial) | Plaid, Finicity | the prettiest one; Apple-first, cash-flow views, iOS and Mac |
| YNAB | $14.99 | $109 | no (34-day trial) | MX, Plaid | zero-based budgeting as a method; a community, not just an app |
| Rocket Money | $7–$14 (choose) | — | yes | Plaid | subscriptions and bills, cancellation help, a free overview |
| Quicken Simplifi | $3.99 (promo) | $47.88 | no | Intuit, Plaid, Finicity | a lighter Quicken: spending plan, watchlists, reports |
| Cleo | $5.99 (Plus) | $44.99 | yes | Plaid | a chat-first money coach with a sense of humour; cash advances |
| TallyMap | $3.99 | $29.99 | yes, and it never asks for a bank | Plaid (Core only) | where you spend, by place, counted in tally marks; dares with friends; iPhone only, US only |
Prices as listed on 2026-10-09 for the United States; trials and promos change often. Check each app's page before you decide.
What to ask before you pick
Do you want a budget or an answer? Mint's best screen for most people was never the budget, it was "where did it go". Monarch, Copilot and YNAB are built around the budget and are excellent at it. TallyMap is built around the answer: every card swipe lands as a pin at the shop it happened in, so "coffee" becomes "the place near work, nine times" and "the place near home, twice".
Where does your bank data live? Every app in the table reads your transactions through an aggregator such as Plaid. The difference is what happens next. Most keep a copy on their servers so the web app and the mobile app agree. TallyMap keeps transactions on the iPhone; the server holds your account, your subscription and the bank connection, and nothing is sold or used for ads.
Do you need a bank at all? Rocket Money and Cleo are free with a bank connected. TallyMap is free without one: you drop a stroke on the map where you paid, and the map, the tally and the stickers all work on hand-added purchases. Bank sync is what the Core subscription pays for, because the aggregator bills per connected bank every month.
Does anyone else see it? Only TallyMap has a social layer, and it shows counts, never amounts: dare a friend to a week without takeout and the scoreboard shows how many times each of you slipped, not what you spent.
Who should pick what
- You ran Mint's budgets every month: Monarch, or YNAB if you want the method.
- You are all-Apple and want it beautiful: Copilot.
- You mostly want subscriptions and bills under control, for free: Rocket Money.
- You want to see where the money goes, pay little, and keep the data on your phone: TallyMap.