Best Apps to Replace Mint.com for a Prosperous 2024

As Mint’s services conclude on January 1, 2024, it opens the door for exploring new budgeting software alternatives. The end of Mint doesn’t mean a halt in managing finances effectively; rather, it’s an opportunity to find applications that align more closely with individual financial needs. Choosing the right budgeting tool is crucial, and it’s more than just picking any available app. It’s about finding an application that supports and aligns with your financial path and long-term objectives. This guide aims to navigate you through some of the top contenders to replace Mint. From straightforward budget tracking to comprehensive tools encompassing investment tracking and detailed financial insights, there’s an app tailored to meet your financial management style. My goal is to help you understand these alternatives in depth, enabling you to choose a personal finance app that aligns perfectly with your financial objectives and lifestyle.

What Is Mint?

---

Mint, with more than 10 million users, is a popular budgeting app owned by Intuit—the maker of Quicken. Despite that popularity, however, Intuit has decided to shutter the app. People use this budgeting tool for all sorts of purposes. Budgeting, yes, but also getting notified when bills are due or increase in cost, checking their credit score and credit report, portfolio tracking, bill negotiation, and more. Yes, it was full of ads, but it was a useful, powerful tool.

What Will Happen to My Mint Account?

---

Mint will officially shut down on Jan. 1, 2024, at which point, Intuit says users will no longer have access to their Mint profiles. If you’re a current Mint user, you’ll need to visit their site to learn about what you need to do. Intuit is encouraging Mint users to transfer their account information to Credit Karma, another one of Inuit’s products, but it’s hardly a requirement. Many Mint alternatives will work just as well, or even better, for your budgeting needs.

Other Options Than Mint: Empower (Personal Capital Is Now Empower)

---

— Available: Sign up here — Platforms: Web, mobile app (iOS, Android) Empower (Personal Capital is now Empower) has 3.3 million users, some of whom use free tools such as the Empower Personal Dashboard, and some of whom use the Personal Capital Wealth Management service (now offered through the Empower Advisory Group). Empower’s free financial planning tools The free Empower Personal Dashboard makes it easy for people to add all their financial accounts in one place, including credit cards, savings, checking, loans, and tax-advantaged investment accounts. Empower also provides a free Investment Checkup tool to assess your portfolio risk, analyze past performance, and get a target allocation for your portfolio. The tool will help you identify overweight and underweight sector investments (perhaps you have too much allocated to utilities, and not enough to healthcare, for example) and assess your diversification. You can even compare your portfolio to both the S&P 500 and Empower’s “Smart Weighting” Recommendation, which suggests that investors more equally weight their portfolios across size, style, and sector—unlike the S&P 500, where the biggest stocks have the most effect on the portfolio, and there are huge differences in how much each sector is weighted. The Empower Fee Analyzer helps you examine the fees you pay in your accounts, whether that’s advisory fees, sales charges, expenses, and other costs. Other investing and personal finance tools include a Savings Planner, Retirement Planner, Financial Calculators, and more. These services, of course, are also available with Empower’s full-service Wealth Management account—along with a number of other perks. Empower’s wealth management services The Wealth Management plan better suits investors who want a fuller advisory experience. The service pairs automated wealth management tools with human management. After you enter your risk tolerance, financial goals, time frame, and personal preferences, Empower creates a recommended portfolio. The portfolios are diversified across multiple asset classes and rebalanced when necessary. The six asset classes include: — U.S. stocks — International stocks — U.S. bonds — International bonds — Alternative investments — Cash Customers have the option to incorporate socially responsible investing (SRI) into their investments, too. In short, that means you can choose to invest only in companies that have positive environmental and social impacts. Investors enjoy access to financial advisors who can help them make various financial decisions, from retirement planning to college savings to stock options and more. Empower’s financial advisors are available 24/7 by phone, live chat, email, or web conference. Note that the Wealth Management plan has a minimum initial investment of $100,000. Investors with between $100,000 and $250,000 have access to a team of financial advisors. Those with more than $250,000 have access to two dedicated financial advisors. There are extra benefits for people who invest over $1 million, including lower fees. Wealth management annual fee tiers – $100,000-$1,000,000: 0.89% – $1,000,001-$3,000,000: 0.79% – $3,000,001-$5,000,000: 0.69% – $5,000,001-$10,000,000: 0.59% – $10,000,001-plus: 0.49% Regardless of how much money you bring to the table, if you sign up with Empower, you will be given the option to schedule an initial 30-minute financial consultation with an Empower advisor. Best Empower (Formerly Personal Capital) Alternatives

2. YNAB (Smart Budgeting Platform)

---

— Available: Sign up here — Platforms: Web, mobile app (iOS, Android), smart speaker (Alexa) YNAB (You Need a Budget) is a premier budgeting app that links to your bank(s), determines how much money you have, tracks your monthly income, and helps you determine what your expenses are and when they need to be paid. YNAB’s features can improve how you spend, save, and plan your finances. For instance, the app tracks fixed expenses and allows to budget for less frequent variable expenses. It can help you save money by establishing goals. You can also understand your mortgages, student loans, and other debt better—YNAB’s loan calculator shows you how any change to your monthly payments will affect how much interest you owe and how quick you’ll pay off your debt. And you can put it all together with YNAB’s Net Worth Report, which provides a snapshot of your various account balances. This is one of the most accessible budgeting apps, too. You can budget at home on your desktop or tablet. If you’re out shopping, you can easily access YNAB via your iPhone or Android smartphone. And if you have a question about your budget but have no free hands, no worries—you can have your Apple Watch or Amazon Echo device talk to you about your finances. The app’s features aren’t just great on paper—the results are real, too. Surveys conducted by YNAB show that new users saved $600 on average by just their second month. Try You Need a Budget free for 34 days without entering any credit card information. After that, you can sign up for monthly or annual billing. 7 Best Wealth + Net Worth Tracker Apps [View All Your Assets]

3. PocketGuard (A Secure Financial + Budgeting Experience)

---

— Available: Sign up here — Platforms: Web, mobile app (iOS, Android) PocketGuard lets you link all of your external financial accounts (credit cards, loans, investments, etc.) so you can see all of your balances and transactions in one place. This makes it easier to see your net worth, track your cash flow, and more. This app won’t just show you all the numbers—it’ll analyze them too, letting you know how much room for discretionary spending you’ll have once your essentials are covered. PocketGuard will also identify which expenses take up an outsized portion of your budget. And the app’s debt-payoff planner can help you build a payoff strategy—helping you eliminate your debt quicker and determining a concrete date for when you’ll become debt-free. PocketGuard is one of the best Mint alternatives for anyone who struggles with paying bills on time. The app lets you schedule and track all of your recurring expenses, reminds you of your due dates and upcoming bills, and it provides a suite of budgeting tools that helps you create financial goals, monitor your progress, and more. And PocketGuard isn’t just a clever name. Once you’ve linked up all your accounts, PocketGuard will monitor your activity for signs of fraud. (It also offers the same 256-bit SSL encryption technology that major banks use to protect your information.) PocketGuard has two tiers: a free version, and a paid version (PocketGuard Plus). The free version of PocketGuard includes: — Budgeting — Insights and spending reports — Cash tracking — Accounts and transactions aggregation — Bills and income tracking — Anti-fraud technology PocketGuard Plus includes everything in the free version, as well as: — Debt payoff plan — Easy-to-modify reports — Unlimited budgets — Unlimited savings goals — Data transfer + storage — Extended transaction history PocketGuard offers considerable price savings if you pay annually instead of monthly. But perhaps most compelling is the Lifetime package, which allows you to use the app indefinitely for the price of roughly two years’ worth of access. Sign up here or check out the pricing details below. 50+ Best Money-Making Apps That Pay You Real Money

4. Tiller (Spruce Up Your Spreadsheets)

---

— Available: Sign up here — Platforms: Web Have you ever made a budget in Excel? Well, soup up that concept, and that’s what you get with Tiller. This automated personal finance service provides highly customizable Google Sheets and Microsoft Excel templates that allow spreadsheet lovers to use their favorite formulas. Better still, they can pull in real-time data by connecting Tiller to your bank accounts, credit cards, and more, meaning you never have to manually enter in a single number. From there, you can choose a template and customize it to display the data that’s important to you. You can create custom charts and reports. You can adjust data to test different scenarios that could affect your net worth. And the optional AutoCat feature automatically categorizes your income, transfers, and spending based on your custom rules. Want to know how you’re doing on a regular basis? Opt in to receive daily emails summarizing your account activity. The service is funded only by subscriptions—Tiller doesn’t sell your personal data to third parties or advertisers—and members can use up to five spreadsheets per subscription. Sign up for a 30-day free trial today. 7 Best Round-Up Apps for Saving + Investing Money Instantly

5. Quicken Simplifi (Mobile-Friendly Budgeting App)

---

— Available: Sign up here — Platforms: Web, mobile app (iOS, Android) Quicken Simplifi is a useful budgeting app that can help you progress toward your financial goals with confidence. Simplifi allows you to build monthly budgets yourself, or it will create customized budgets generated automatically based on your income, expenses, and savings. It also provides budget suggestions, and it helps you track progress toward saving goals. The app provides a comprehensive view of your finances, too, syncing up with your bank accounts, credit cards, brokerage and retirement accounts, mortgages, even private investments. If all of this makes Simplifi seem like a lighter version of Quicken … well that’s because it pretty much is. Quicken literally markets the service right alongside Classic Deluxe, Classic Premier, and Business & Personal, and Simplifi is both cheaper and features fewer options than all three programs. That said, Simplifi does have a few perks of its own that keep it from truly feeling like “Quicken Lite.” For one, it has a dedicated mobile app—one of my biggest gripes about Quicken is that it only has a “mobile companion app” that syncs up with the desktop versions. Simplifi can also automatically detect bills and identify subscriptions, and, unlike Quicken, it can separate those categories. Try out Simplifi to see if it’s the budgeting app you need to replace Mint. 19 Best Investment Apps and Platforms [Free + Paid]

6. Rocket Money (Save Money + Manage Your Money)

---

— Available: Sign up here — Platforms: Mobile app (iOS, Android) Rocket Money acts as both a money-management app and a money-saving app that’s dedicated to reviewing your expenses and automating potential opportunities to uncover the true cost of your bills—and lower them. This automated financial manager proactively works on your behalf to reduce your monthly bills on items like cell service, internet connection, and other utilities and ongoing subscriptions. For example: Rocket Money can right-size your subscriptions if you’ve been upsold on services you no longer need. Let’s say you subscribed to a service provider’s premium package but haven’t used many of the included benefits, Rocket Money can slash the cost by reverting you to a lower service tier. Rocket Money can negotiate your bills for you, too, though the service is an additional charge. You choose a percentage (between 30% to 60%) of the first-year savings as a “success fee” when you submit your negotiation request. And you don’t have to pay if the negotiation is unsuccessful. Perhaps the most noteworthy aspect of Rocket Money is also the most bizarre: pricing. Rocket Money has a free version. But for the Premium subscription—which includes features such as Unlimited Budgets, Premium Chat, Smart Savings, and more—users actually choose how much they pay, within limits. You can see pricing details in the box below, and you can sign up with Rocket Money here. The 13 Best Investment Apps for Beginners

7. PocketSmith (Net Worth Tracker With Finance Tools)

---

— Available: Sign up here — Platforms: Desktop app (Windows, MacOS, Linux), web, mobile app (iOS, Android) PocketSmith helps users view their current financial patterns to help them pave a path toward growing their net worth in the future. Users can automatically import and categorize transactions from more than 14,000 banks and other financial institutions worldwide. Have assets and liabilities in different countries? No worries: PocketSmith automatically converts data into whatever currency you want based on daily rates. The platform’s historical reporting feature provides ample insights into your past earnings and spending habits. PocketSmith then helps you take those insights and turn them into learning opportunities by showing you how changes in your behavior will affect your future financial situation. The software will show you, to the day, what your net worth will look like up to three decades in the future. In addition to net worth tracking, noteworthy PocketSmith features include a budget planning calendar, automatic interest calculations, Mint migration, and the ability to invite other PocketSmith users—including an advisor—to view and even manage your account. One of our reviewers also noted the ease with which he could manage income from his day job and his side gigs. We also love the technological flexibility; PocketSmith is available on the web, mobile apps, and desktop apps—it even supports Linux! A quick look at PocketSmith’s plans: — Free: Allows you to connect up to two bank accounts, can provide up to 12 budgets, and projects finances up to six months out. — Foundation: Free’s features, but adds automatic bank feeds, unlimited accounts and budgets, six dashboards, six connected banks from one country, email support, and up to 10 years’ worth of projection. — Flourish: Foundation’s features, but adds 18 connected banks from all countries, 18 dashboards, and up to 30 years’ worth of projections. — Fortune: Flourish’s features, but adds priority email support, unlimited connected banks from all countries, unlimited dashboards, and up to 60 years’ worth of projections. Check out plan pricing in the box below, and click here to start your journey with PocketSmith. 21 Best Stock Research & Analysis Apps, Tools and Sites

8. Google Sheets (Free DIY Option)

---

— Platforms: Web, mobile app (iOS, Android) More skilled budgeters considering moving from Mint to a DIY solution might consider opening up Google Sheets. This is an option for truly self-motivated people. Google Sheets can run calculations for you to prevent mathematical errors, but that’s about it—everything else is pretty much manual. You have to add in numbers yourself because you can’t link Google Sheets to a bank account. There are no premade tools like debt-payoff calculators or goal tracking—you’d have to compile anything like that yourself. Google Sheets does, however, let you customize your budgets however you want. Also, Google Sheets are saved in the cloud, so you can share them with a significant other. Plus, it’s completely free, so you’ll be able to put those savings back in your pocket. 20 Best Investing Research & Stock Analysis Websites

9. Quicken Classic Premier (High-Powered Budgeting Tool)

---

— Available: Sign up here — Platforms: Desktop app (Windows, macOS), web, mobile app (Android, iOS)* Quicken is different things to different users depending on which plan you subscribe to: — Classic Deluxe is Quicken’s base plan, offering budgeting, tax planning and some investment features. — Classic Premier is what I consider the most useful plan for your average person—it also offers budgeting functionality, as well as enhanced tax and investment functions. — Classic Business & Personal is the most powerful (and expensive) version of Quicken, offering even more features for budgeting, tax planning, and investments, as well as features for businesses and rental properties. I’ll focus on Quicken Classic Premier. More than 20 million users trust Quicken Classic Premier to help themselves budget, track their investments, and more, and I think it’s Quicken’s best overall value, providing what most people need. Quicken offers numerous automations that make budgeting easier. When you connect bank, investing, and other accounts, Quicken downloads records and automatically sorts your spending transactions into different categories. It can also identify your recurring expenses and create a recommended budget, which you can then customize as you’d like. You can also run your finances from within Quicken by viewing upcoming bills and even paying those bills directly from the software. Quicken Classic Premier also has a robust portfolio management feature that allows you to track all your investment accounts in one dashboard. You can connect brokerage accounts, IRAs, private holdings, and more. You can even track the value of your home—Premier gets real estate market values from Zillow so you always have an idea of how much your home is worth. One of my favorite things to do on Quicken is run “what if” financial scenarios, such as “What if I paid down my loans faster to save on interest?” Quicken also has other useful financial tools, such as calculators that help you plan out college funds, savings, loans, refinancing, and more. Best of all, you might want to chat with a real person as you figure out the software, so Quicken comes with free phone and chat support. If there’s a drawback to Quicken Classic Premier as a Mint replacement, it’s cost—while Mint was free, Premier has a monthly fee. That said, the monthly fee, depending on what promotion Quicken is running at the time (Quicken prices change frequently—always check our link to get the most updated price) is typically less than Mint Premium, a paid tier only available on iOS. * One other drawback? Quicken software does not have a standalone app. It does have a mobile companion app for iOS and Android that syncs with the desktop software, but it’s not quite the same seamless, use-it-anywhere experience. 23 Best Income-Generating Assets [Invest in Cash Flow]

10. Credit Karma (Credit Monitoring App)

---

— Available: Sign up here — Platforms: Web, mobile app (iOS, Android) Intuit suggests that Mint users should migrate to Credit Karma, which is no surprise—after all, Intuit owns Credit Karma, too. But it’s frankly not a great fit for Mint users. If you don’t believe me, ask Intuit itself, which says “the new experience in Credit Karma does not offer the ability to set monthly and category budgets.” That’s a problem given that one of Mint’s most prominent features is its budget tracking tool. Sure, Credit Karma sports some of the same functions, including spend tracking, viewing your transactions, and free credit monitoring—the feature Credit Karma is best-known for. And if you do need to keep tabs on your credit, Credit Karma is one of the best apps for the job. That said, despite Intuit’s suggestions, I’d steer clear of Credit Karma if you’re looking for a one-for-one Mint replacement. 11 Best Stock Portfolio Tracking Apps [Stock Portfolio Trackers]