What to look for in a Mint replacement
Mint was free and ad-supported, which is why it could afford to be free — your data was the product. A good replacement should be clear about how it makes money, how it handles your data, and what it actually costs. The three axes that matter most: price, privacy (does it require bank-linking?), and whether the free tier is usable.
The main options compared
Each leans a different way. Pick based on what you value most.
- IncomeWise — $3/mo (free core), no bank login, 11 currencies, AI advisor. Cheapest + most private.
- Monarch Money — $14.99/mo, bank-linking, strong shared-household features.
- Rocket Money — freemium, bank-linking, focuses on subscription cancellation.
- Empower (Personal Capital) — free, bank-linking, investment-focused rather than budgeting.
- YNAB — $14.99/mo, bank-linking, strict envelope method with a learning curve.
The privacy-first, low-cost pick
If you want the closest thing to Mint's simplicity without the ad-funded data model — and without linking your bank — IncomeWise is the natural fit. It uses manual entry, keeps a genuinely free core, and charges $3/month for the AI advisor, bill and subscription trackers, goals, and analytics. That's roughly a fifth of YNAB or Monarch.
If automatic bank-syncing is a must-have for you, Monarch or Rocket Money will feel more familiar — at a higher price and with bank access as the trade-off.