---
title: "The Best Mint Alternatives in 2026"
description: "Mint shut down in 2024. Here are the best Mint alternatives in 2026 compared on price, privacy, and features — so you can pick your next budgeting app."
canonical: https://incomewise.app/guides/mint-alternatives
published: 2026-05-30
updated: 2026-05-30
reading_minutes: 6
keywords: ["mint alternatives","mint replacement","apps like mint","mint alternative 2026","best mint alternative","what replaced mint"]
publisher: "IncomeWise (Income Split Planner)"
license: "Free to quote with attribution and a link to the canonical URL"
---

# The Best Mint Alternatives in 2026

Intuit discontinued Mint in early 2024, leaving millions looking for a replacement. The good news: the alternatives are better than Mint was. The catch: most are paid, and most still rely on bank-linking. Here's how the main options compare.

## 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.

- Income Split Planner — $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 — Income Split Planner 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.

## Frequently asked questions

### What replaced Mint?

Mint wasn't replaced by a single app. Intuit pointed users to Credit Karma's limited tools, but the strongest standalone replacements are Income Split Planner (cheapest, no bank login), Monarch Money, Rocket Money, and Empower — depending on whether you prioritise price, privacy, or bank-syncing.

### What's the cheapest Mint alternative?

Income Split Planner at $3/month (with a free core tier) is the cheapest serious Mint alternative — roughly a fifth the price of YNAB or Monarch ($14.99/mo) — and it's the only major option that doesn't require linking your bank account.

### Is there a Mint alternative that doesn't require linking my bank?

Yes — Income Split Planner uses manual entry only, with no Plaid or bank aggregation. You enter transactions yourself, so no third party ever gets read access to your accounts. Most other Mint alternatives require bank-linking.

## Related guides

- [The Best Free Budgeting Apps in 2026](https://incomewise.app/guides/best-free-budgeting-apps)
- [How to Audit and Cancel Subscriptions You Don't Use](https://incomewise.app/guides/audit-your-subscriptions)
- [How to Budget Money: A Simple Step-by-Step Guide](https://incomewise.app/guides/how-to-budget-money)

---

Published by [IncomeWise](https://incomewise.app/) — a free multi-currency budgeting app with an AI advisor, personal and business workspaces, and no bank login required. Premium is $3/month and unlocks both workspaces.

Canonical HTML version: https://incomewise.app/guides/mint-alternatives