The best Mint alternatives in 2026 (that let you own your data)

In early 2024, Intuit shut down Mint and pointed everyone toward Credit Karma. That handoff left a lot of people stuck: Credit Karma can show balances and some spending, but it was never built to be a budgeting tool the way Mint was, no real budgets, weaker transaction categorization, more focus on credit scores and product offers. Millions of former Mint users suddenly needed somewhere to go. This is an honest look at where.

What to look for in a Mint alternative

Before comparing names, it helps to be clear about what you're actually choosing between. Four questions sort out most of the field:

• Auto-sync vs manual. Do you want transactions to flow in on their own, or are you fine importing CSVs? Mint's big draw was that it connected to your bank and updated itself.
• Free vs paid. Most of the polished Mint successors are subscriptions now, the free-with-ads model Mint used mostly went away with it. Decide what a monthly fee is worth to you.
• A budgeting method vs raw data. Some tools hand you a philosophy (envelopes, zero-based budgeting); others just give you clean numbers and let you do what you like with them.
• Do you actually own the data? This is the one most people skip. In a typical app, your financial history lives inside their product; if you leave, you export and start over. A few tools instead put the data in a spreadsheet you keep, which matters if you want to build your own views, or just not be locked in.

The best Mint alternatives, honestly compared

Monarch Money, the polished all-in-one

Monarch is probably the closest thing to a modern, better-looking Mint. It connects your accounts, categorizes spending, tracks net worth and goals, and handles budgets, all in a clean app that works well for couples and households sharing finances.

• Strengths: Genuinely polished, collaborative (great for two people managing money together), strong dashboards and net-worth tracking.
• Watch out for: It's subscription-only, plan on around $99/year, though you should check their site for current pricing. Your data lives in Monarch's app.
• Best for: People who want one tidy app to run the whole household and don't mind paying for it. See our Bank Statement Genie vs Monarch comparison.

YNAB, the budgeting method, not just an app

YNAB (You Need A Budget) is less a Mint replacement and more a different philosophy. It's built around zero-based budgeting, giving every dollar a job before you spend it. People who commit to it tend to rave about how much it changed their spending.

• Strengths: Excellent at building discipline, strong education and community, a real method rather than just a dashboard.
• Watch out for: A steeper learning curve, and it's subscription-only, around $109/year at last check (confirm on their site). It asks more of you than a passive tracker.
• Best for: People who want to actively change their habits, not just watch their money. See Bank Statement Genie vs YNAB.

Rocket Money, subscriptions and a simple overview

Rocket Money (formerly Truebill) is best known for finding and helping you cancel recurring subscriptions, plus a simple overview of spending and bills. It's freemium: a useful free tier, with extra features (and the bill-negotiation service) behind paid plans.

• Strengths: Great at surfacing sneaky subscriptions, easy to get started, has a free option.
• Watch out for: It's lighter as a full budgeting tool, and some of its most-touted features cost extra. Check current pricing and how negotiation fees work.
• Best for: People who mainly want to trim recurring charges and see a simple overview.

Tiller, bank data into Google Sheets

Tiller takes a different path: it feeds your bank and card transactions into Google Sheets (or Excel), with a library of budgeting templates on top. If you like spreadsheets, it's a natural fit.

• Strengths: Your data lands in a spreadsheet you can slice however you want, plus ready-made templates so you're not starting from a blank sheet.
• Watch out for: It's a paid subscription (check their site for current pricing) and there's no free tier.
• Best for: Spreadsheet people who want templates and don't mind paying. See Bank Statement Genie vs Tiller.

Bank Statement Genie, the "own your data" pick

Here's where we come in, and we'll be straight about the trade-off. Bank Statement Genie connects to your bank and automatically syncs your transactions into a Google Sheet you own, in your own Google Drive, plus a private analytics dashboard. It's privacy-first, it never sees your bank password, gets read-only data, uses Google's narrow drive.file scope, and never sells or trains on your data.

• Strengths: A genuine free plan (monthly sync), a paid plan for near-real-time sync and full analytics, and, the whole point, the data is yours in a spreadsheet you control, not locked inside an app. And if you liked Mint's at-a-glance overview and email nudges, you don't have to give those up: there's a simple analytics dashboard (month-to-date and year-to-date spend, category breakdowns, top merchants, recurring subscriptions, a 12-month trend) so you never have to open the Sheet, plus optional twice-weekly recap emails, a Friday "weekly money rundown" and a Tuesday midweek check-in, that land in your inbox on their own.
• Be honest, it's not: a full budgeting app. It gives you clean, current data plus a dashboard; you bring your own budgeting method (or build one right in the Sheet). If you want envelopes and goals baked in, Monarch or YNAB will suit you better.
• Best for: Former Mint users who want to own their transaction history, start for free, and analyze it their own way. See Bank Statement Genie vs Mint.

Quick comparison

Prices and plans change, figures above are approximate as of early 2026. Always confirm details on each provider's own site.

So which should you pick?

There's no single winner, and anyone who tells you otherwise is selling something. Be honest with yourself about what you want:

• Want a polished app to run the whole household? Monarch.
• Want a method that reshapes your spending? YNAB.
• Mostly want to kill subscriptions and glance at the basics? Rocket Money.
• Want your data in a spreadsheet you own, and would like to start free? That's where Bank Statement Genie fits, with Tiller as the paid, template-heavy alternative.

If you're still torn between "an app that does the budgeting for me" and "the raw numbers in my own spreadsheet," we wrote a whole piece on exactly that trade-off: spreadsheet vs budgeting app.

Related: Bank Statement Genie vs Mint · Spreadsheet vs budgeting app · Import bank transactions into Google Sheets