Mint shut down in March 2024, and Intuit pointed everyone toward Credit Karma, which never really replaced it. Millions of people went looking for something else. Most of them landed on a budgeting-first app — Monarch, Copilot, Rocket Money — because that is what the market rushed to build, and because Mint was, for a lot of people, a budgeting tool.
But not for everyone. A large slice of Mint users barely touched the categories. They opened the app for one screen: net worth. Accounts on one side, debts on the other, a single number and a line that went up or down over time. Two years on, that slice still has not been served well — the popular replacements make budgeting the main event, and the net-worth view is a tab you visit, not the point. This guide covers seven real Mint alternatives, honestly, and flags which job each one is actually built for.
Short version: if you want to budget, Monarch, Copilot, and YNAB are genuinely good — pick by style. If you want the net-worth screen back without a budgeting workflow bolted on, skip to Empower (if you mostly hold stocks) or Ascend (if your money spans crypto and traditional accounts).
How to choose your Mint replacement
Mint bundled several tools that most people used unevenly. Before you pick a replacement, work out which part you'll actually miss, because no single app rebuilds all of it equally well. Start from the screen you opened most.
- If you lived in the budget: look at YNAB (zero-based envelopes), Monarch, or Rocket Money's free tier. Ascend doesn't do budgeting, transaction categorization, or cash-flow forecasting, so it isn't the pick here, and we'd rather say so than pretend otherwise.
- If you mostly opened Mint's net-worth screen: Empower's free dashboard or Ascend. Ascend adds a net-worth percentile, a Monte Carlo retirement projection, and read-only sync for eligible investment and retirement accounts at supported banks, brokerages, and exchanges, with real estate valued through the FHFA House Price Index.
- If subscription detection was the draw: Rocket Money is built around it. Its free tier flags recurring charges and can cancel the ones you don't want.
- If you held crypto: it depends how far on-chain you go. Copilot covers Bitcoin and Ethereum addresses plus major exchanges. Ascend reads public wallet addresses across 11 networks, including Solana and several L2s, and flags DeFi positions, with no seed phrase or exchange login. Dedicated tools like CoinStats and Kubera track more chains and NFTs if crypto is your whole picture.
1. Monarch Money $99.99/yr · no free tier
What it does. Monarch is the polished, ad-free budgeting app that most reviewers named the default Mint replacement. It connects through several aggregators (Plaid, MX, and Mastercard's Finicity) so you can switch providers when a connection breaks, and it does flexible budgeting, cash-flow forecasting, and goals well. Its standout is real-time sharing for couples and households on one subscription — partners get their own logins and a shared dashboard.
Who it's for: people who want hands-on budgeting as a daily habit, especially couples managing money together, whose accounts are mostly traditional — banks, cards, brokerages, and a home.
Who it isn't for: anyone who does not want to manage spending categories (most of the product is then overhead), or who holds crypto beyond Coinbase — real-time crypto sync is Coinbase-only and everything else is manual. There is no free tier, just a 7-day trial.
2. Copilot Money $95/yr · Apple-first
What it does. Copilot is the design leader — the most beautiful budgeting and spending tracker in the category, with AI categorization that learns your transactions over time. It tracks banks, cards, investments, crypto, and real estate for a net-worth view, and it feels great to use if you live on Apple hardware.
Who it's for: solo users in the Apple ecosystem who want a gorgeous, low-friction budgeting app and appreciate thoughtful design.
Who it isn't for: Android users — there is no native Android app, only iPhone, iPad, Mac, and web. Crypto is limited to Bitcoin and Ethereum addresses plus a few exchanges; there is no Solana, layer-2, or DeFi coverage. And like Monarch, it is paid-only after a trial (30 days).
3. Empower Personal Dashboard Free
What it does. Empower (the former Personal Capital) is the closest thing to a free net-worth-first replacement. Its dashboard tracks net worth and cash flow and layers on genuinely strong, free investment tools: a retirement planner with Monte Carlo simulations, a fee analyzer, and an allocation checkup. It is free because Empower hopes some users will hire its paid advisory service, which charges a percentage of assets managed.
Who it's for: US investors whose net worth is mostly stocks, funds, and retirement accounts, who want free premium-grade portfolio analytics and the net-worth screen without a budgeting workflow.
Who it isn't for: anyone holding crypto — it is manual entry only, with no wallet or exchange sync. Expect a wealth-management call after signing up, and note it is US-only.
4. Rocket Money Free · Premium ~$7–$14/mo
What it does. Rocket Money's signature trick is finding your recurring subscriptions and cancelling the ones you do not want, on your behalf. It has a genuine free tier with unlimited account connections, spending tracking, and basic budgeting, plus a "pay what you think is fair" Premium tier that adds bill negotiation and more.
Who it's for: people whose real problem was subscription creep and forgotten recurring charges, who want a light free tool that also shows balances and a basic net worth.
Who it isn't for: anyone who wants deep net-worth tracking or investment detail — this is a budgeting-and-subscriptions app first. Crypto is manual value entry only, and bill negotiation carries a success fee.
5. YNAB (You Need A Budget) $109/yr · no free tier
What it does. YNAB is the specialist. It teaches a zero-based, envelope-style method — every dollar gets a job before you spend it — and people who commit to it tend to be evangelical about the results. It has a net-worth report, but tracking wealth is not the point; changing your spending behavior is.
Who it's for: people whose actual goal is to get control of spending and break a paycheck-to-paycheck cycle, and who are willing to do the hands-on work the method requires.
Who it isn't for: anyone who used Mint for the net-worth screen rather than the categories. Investments are manual "tracking" accounts with no live price sync, there is no crypto integration, and there is no free tier — just a 34-day trial (students get a year free).
6. A spreadsheet (Tiller or a template) Free–$79/yr
What it does. A spreadsheet is still a legitimate answer, and for some ex-Mint users the most satisfying one. You can build a net-worth tab by hand for free, or use Tiller — a $79/year service that feeds your bank and card transactions and balances into Google Sheets or Excel every day, with prebuilt net-worth and budget templates on top.
Who it's for: people who want total control and customization, do not mind a little maintenance, and like owning their data in a file they fully understand.
Who it isn't for: anyone who wants it to just work without upkeep. Prices, wallets, transfers, and manual updates make spreadsheets fragile over time, and neither a raw sheet nor Tiller syncs crypto automatically — that stays manual.
7. Ascend Free · Pro $99/yr
What it does. Ascend is built for the exact slice this list opened with: ex-Mint users who wanted the net-worth screen, not the categories. Pro automatically syncs eligible investment and retirement accounts across SnapTrade's supported banks, brokerages, retirement providers, and exchanges; unsupported accounts can be entered manually. Ascend brings those balances together with real estate (valued with the official FHFA House Price Index) and keyless on-chain crypto across 11 networks — Bitcoin, Ethereum and its major layer-2s, Solana, and more — read by public wallet address only, with no seed phrase and no exchange login. Connections are read-only; the app can see balances but never move money.
The deliberate omission is budgeting. There is no transaction categorization, no cash-flow forecasting, and no couples sharing today. If you loved Mint's budgets, that will feel like a gap; if you only ever wanted the number, it is the whole point. The free tier covers your full net worth, a net-worth percentile, and a basic retirement projection before you pay anything. Pro, at $99/year, adds automatic sync for eligible financial accounts, true return-vs-market, a stock watchlist, and deeper planning — not a budgeting layer. Ascend is privacy-first: your data is never sold, there are no ad or tracking pixels, and you can export or delete it.
Who it's for: people whose net worth spans traditional accounts and crypto, who want one clean, private, trustworthy total without a budgeting app or a premium annual bill. There's a dedicated walkthrough for ex-Mint users, and you can see exactly what's free on the free net worth tracker page.
Who it isn't for: people who want envelope budgeting, bill pay, or daily transaction cleanup — a budgeting-first tool above is the better call. It's an installable web app with no native mobile app yet.
Common questions
What is the best Mint alternative in 2026?
There isn't a single answer, because Mint did several jobs at once. For budgeting we'd point you to YNAB or Monarch; for a free net-worth dashboard, Empower or Ascend; for catching and canceling subscriptions, Rocket Money. Match the tool to the job you actually cared about most rather than looking for one app that does everything.
Is there a free Mint alternative?
Yes. Rocket Money has a genuine free tier with unlimited connections and subscription detection. Empower's dashboard is free forever, monetized through its paid advisory service. Ascend's free tier shows full net worth, a net-worth percentile, and a basic retirement projection, and it doesn't expire. YNAB, Monarch, and Copilot are paid only, though each offers a trial.
What replaced Mint for net worth tracking?
Empower's free dashboard is the common default. We built Ascend specifically around the net-worth view: Pro syncs eligible investment and retirement accounts at supported banks, brokerages, and exchanges read-only through SnapTrade; anything unsupported can be entered manually. Ascend also values real estate through the FHFA House Price Index, reads on-chain crypto by wallet address, and places your number in a percentile. It doesn't budget, so pair it with a budgeting app if you need both.
Which Mint alternative is best for crypto?
If crypto is one slice of a broader net worth, Ascend covers 11 networks by public wallet address, including Solana and several L2s, alongside connected financial accounts and manual fallbacks. Copilot handles Bitcoin, Ethereum, and major exchanges. If you want the deepest crypto coverage on its own, dedicated tools like CoinStats or Kubera track more chains, exchanges, and NFTs.
How we picked
We started from the real reasons people left Mint. Some wanted the budgeting workflow back; some only ever used the net-worth screen; some now hold crypto that Mint never handled. So this is not a ranking from best to worst — it is a map of jobs. Monarch, Copilot, and YNAB are the budgeting picks. Rocket Money is the subscriptions pick. Empower is the free net-worth-and-investing pick. A spreadsheet is the control pick. Ascend is the net-worth-first, crypto-friendly pick. Prices and features were verified against each provider's official site in July 2026; they change, so confirm before you subscribe. We build Ascend, so we're biased — which is why the entries above concede where each rival genuinely wins.
Sources, verified July 2026: Monarch ($14.99/mo or $99.99/yr, 7-day trial, Coinbase-only real-time crypto), Copilot ($95/yr, Apple-only, BTC/ETH crypto), Empower (free dashboard, advisory is the paid product, manual crypto), Rocket Money (free tier + "pay what's fair" Premium), YNAB ($109/yr, 34-day trial), and Tiller ($79/yr spreadsheet feeds). Prices change — check the current figures before purchasing.