Are you ready to move on from Mint? Is Mint no longer synching with some of your accounts?
If so, we will cover some of the best Mint alternatives and why you should consider the hassle of switching to another budgeting and money management software.
Mint was a great personal finance tool but competitors have caught up. It’s time for a switch and we have your back.
If you’re looking to move on (and if you’re tired of constantly fixing your account connections!), you might find your next personal finance budgeting app from this list:
🏆 Our Favorites
Here are the two that stand out:
- Personal Capital – Personal Capital is our Editor’s Pick as the best Mint alternative because they do the best job capturing your finances holistically. It has the best suite of investment tools available plus a robust budgeting system too – so if you’re ready more than budgeting, this is the choice. And it’s free.
- You Need a Budget – Hands down the best budget transition software available – it’s more than just a tracker. They have these four “rules” that help change your relationship with your budget. It’s a methodology on top of a tool.
- Personal Capital – free financial dashboard plus wealth and retirement planning
- CountAbout – can import your data, small company feel
- Tiller – level up your spreadsheets with automation
- You Need a Budget – a better budgeting methodology and education
- PocketSmith – plan your budget and project with confidence
- MoneyPatrol – complex comprehensive paid tool with live demo
- Lunchmoney.app – adorable paid budgeting app w/o ads or clutter
- Quicken – Old but powerful if you can make it work
- EveryDollar – Dave Ramsey’s budgeting tool
- GoodBudget – support envelope budgeting methodology
- MoneyDance – avoid the cloud, locally stores your data
- CountAbout – can import your data, small company feel
- PocketGuard – freemium and budget focused
- Banktivity – built specifically for MacOS
- Wally – completely free budgeting application
My personal favorite of the Mint alternatives is Personal Capital. It’s web-based, focused on investing but with an eye towards tracking expenses and budgeting, and, best of all, it’s also free.
Our Personal Capital review explains the service in greater detail, including how it fits in our financial workflow, but this post on why I switched from Mint to Personal Capital highlights the big reasons why I personally made the switch.
The summary on why I switched was that Personal Capital has a suite of investing related tools that Mint simply doesn’t. I was less interested in the expense tracking features and more interested in getting a better handle on where my investments were, whether I was doing it right, and Mint wasn’t cutting it anymore. With Mint, I feel like you’re looking backward. With PC, I feel like I have a better idea of where I’m going; if that makes any sense.
Like Mint, and many of the alternatives on this page, Personal Capital is free. It’s free because they offer wealth management, similar to Betterment, and not because it’s supported by advertising. If you’re sick of all the ads for new credit cards and other financial products, then you’ll be relieved to know Personal Capital doesn’t have those.
(ironically, Mint is my favorite alternative to Personal Capital in the free budgeting app department)
CountAbout was built to solve the headaches of Quicken users and was founded in July of 2012. It is one of the few personal finance apps that can import data from Quicken and mint, which makes a transition to this app much less painful if you’re a data junkie. Unlike Mint, it’s not free but the price point is very affordable – $9.99 per year for the Basic product and $39.99 per year for the Premium. (the main difference is that Premium supports automatic downloading of transactions, Basic does not)
If you prefer taking everything in-house and tracking your money with a spreadsheet, Tiller is the only option on the list that will help you achieve that. With Tiller, you put your budget into a spreadsheet and they will do the work of pulling your transaction data from your financial institutions.
Founded in 2015, it’s the only service that will sync your financial transactions into a completely customizable spreadsheet (they support Microsoft Excel and Google Sheets). It’s only $6.58 a month (billed at $79 per year), but you get access to a ton of templates to get your spreadsheet started if you don’t have one yet. (our review of Tiller)
Mint is a powerful budgeting app but if you want to really get a handle on your budget, you need to be looking forwards and not backwards. You Need a Budget, also known as YNAB, is great for budgeting because it is based onon zero-based budgeting and projecting your budget forward. (check out this head to head YNAB vs. Mint post for specifics)
YNAB focuses on four rules – Give Every Dollar a Job (ie. zero-based budgeting), Embrace Your True Expenses, Roll With The Punches, and Age Your Money – which helps you take what you’re doing now and put it in a framework that sets you up for financial and budgeting success into the future. Whereas Mint is about tracking and trying to stay in line, YNAB is about setting the future and allocating your next paycheck – it’s a subtle difference that has helped a lot of people change their financial future.
YNAB has a $11.99 monthly fee (only $84 if you pay annually) after an initial 34-day free trial.
(or, read our You Need a Budget review for more)
PocketSmith is a fully-featured budgeting tool that uses calendars and the idea of “event-based budgeting.” Rather than viewing your transactions strictly as a ledger, this approach uses a calendar and keeps track of recurring expenses alongside one-time transactions to give you a better understand of your spending. If you’re more of a visual planner who likes to see when charges will hit your account, their view can help you see it clearly.
PocketSmith has a free option that makes you manually import transactions, 12 budgets, 2 accounts, and projections for 6 months out. Premium ($9.95/mo) will get you automatic transaction importing, unlimited budgets, 10 accounts, and 10 years of projections. Super ($19.95/mo) gives you unlimited accounts and 30 years of projections.
We have a special coupon code that gives you 50% off the first two months of Premium – make sure to enter the code 50OFFPREMIUM-5G7T for 50% off the first two months.
MoneyPatrol is a relative newcomer but it offers some of the most advanced personal finance dashboard tools I’ve seen. It was founded by Bhushan Lengade who has a rich background in analytics and data. In fact, for over three years, he was the Head of Analytics for Mint.com and Quicken before he left for other opportunities. When I spoke with him, he told me that he wanted to build a tool that would fix all the problems Mint overlooked and I think he’s done a great job addressing many of those issues.
The impressive part about MoneyPatrol is how comprehensive it is – you can do detailed cashflow management, study your spending trends, as well as analyze your investments. I’m not overselling it in terms of how complex it is and you can see for yourself with their live demo (no registration required). Just go to the homepage and click on View Demo (next to the orange Sign Up button).
MoneyPatrol has a 15-day free trial and is only $59.99 a year.
LunchMoney is an adorable budgeting and net worth tracker that is built as a leaner alternative to Mint. It essentially does everything Mint does just minus the ads. You can split, group, tag, and categorize transactions. You can track your net worth, set a budget, and even run analytics on your transactions to learn more about your spending. All of your transactions can be imported or you can import them manually themselves if you don’t want to enter your banking information.
One nice fact is that it’s a one-person operation and you get great customer support because she responds to emails in a day. According to her blog, she’s currently residing in Taiwan so the time zone will be different.
Also, they have a developer API so you can build stuff using the data from your account via their developer API. No one else offers this.
LunchMoney isn’t free though, it costs $8 a month or $80 a year ($6.67/month). It’s a small price to pay to avoid all the clutter of ads on Mint! They have a 14-day trial that does not require a credit card to start.
If putting your data into the cloud worries you and you thought Quicken might be the answer, I have bad news – Quicken puts your data in the cloud now too. But like everyone else, they have bank-level security so it shouldn’t be too much of a worry.
One thing that Quicken does offer that these other services don’t is the ability to set up bill pay, which works well for some of those smaller banks that don’t offer it though it comes with a fee. It also pulls your home value information via Zillow, if that is important to you.
Quicken is a software application you purchase (starts around $30 for the Starter Edition but quickly goes up) and downloads to your computer (or mobile device).
(also worth noting, Quicken recently released Simplifi by Quicken, a personal finance app)
EveryDollar is a budgeting tool affiliated with Dave Ramsey (Lampo Group) and works off the principle of zero-based budgeting. It’s a very beautiful looking app, available on iPhone and Android, and you have the option of using the free version of the paid Plus version ($129/year).
The big difference between the free version and the paid version is that the paid version has phone support and automated transaction imports/downloads (this is a huge difference). So unless you pay, you have to manually enter transactions. We take a look, with screenshots, at how Everydollar works firsthand.
We do a deeper comparison of EveryDollar vs. Mint if you’re seriously considering EveryDollar.
Do you like the idea of envelope budgeting? If so, GoodBudget is a free budgeting app based on that method.
If you aren’t familiar, envelope budgeting is where you set your budget ahead of time (rather than just tracking) into categories, which you track with envelopes of money. You don’t have to use envelopes or cash but the genesis of the idea is based on actual cash in envelopes. You spend down the amounts in your envelopes and you can borrow from different envelopes if you overspend in a category.
This method is popular because it abandons credit cards as a tool, which is more often than not a detriment anyway. GoodBudget uses technology to help you manage it without envelopes and can synch with your bank to track spending and income. It’s available for both iOS and Android phones.
(another option is Mvelopes)
You may be surprised to know that MoneyDance is one of the very few personal finance tools that does not upload your data to the cloud. They offer the ability to link accounts online for automatic transaction updates or you can do everything manually.
It was lauded by the Washington Post as being a solid contender to Quicken (and thus Mint) and they offer a free trial plus a 90-day money-back guarantee.
While I haven’t personally used it, I’ve heard good things and it’s one of the few options that keep your data local. If that’s important to you, take a look at this money app.
PocketGuard is a freemium budgeting app that can link up all your financial accounts in one place – from credit cards to banking to investments to loans, it’s a full spectrum of your finances while adding in a savings component by giving you recommendations on where you can save. You can also build a personalized budget using your data as a baseline and then use it to help set goals for yourself.
The free version has much of the same features as Mint but the Plus, which is $3.99 per month or $34.99 per year, lets you add new categories and track cash transactions.
Banktivity is a personal finance money manager built specifically for the MacOS – which is surprisingly rare. It works on the Mac, iPad, and iPhone and syncs your data on the cloud so you’re always up to date. Banktivity’s features include budgeting, tracking spending, scheduling and paying bills, monitoring your investments (including real estate), and pulling data from financial institutions.
It also has some great reporting features that, if you’re a report junkie like me, you will probably really enjoy building, tweaking, and rebuilding. It is not free, it costs a one-time fee of $69.99 but there is a 30-day trial (no credit card required).
Wally is one of the newer entrants but it’s a budgeting only tool. It’s very well designed that helps you track spending and fully understand your budget, with only a few hiccups that are to be expected from a new-ish tool. The one downside and this is probably because they are completely free, is that you can’t download transactions. You have to manually enter them in which can be a good thing. If it’s not automatic, it means you don’t have to log into your accounts through the tool, in case security is a concern for you.
What do you think? Will one of these replace Mint for you?
Common Questions about Mint Alternatives
Mint is a very useful budgeting tool if you just need tracking and have “trained” it on how to categorize your transactions. It’s free so it relies heavily on advertisements to help pay for the service.
Personal Capital is a good and free Mint alternative that offers better financial planning and investment tools. It isn’t any better at budgeting and expense tracking, however, but it is web-based.
Mint aggregates and uses consumer data but will sanitize it, of personality identifying information, to protect privacy. This data is valuable and provides insights to advertisers on who is interested in their products and how to better target them. Mint is not unique in this – many “free” services of this type rely on advertising and user data to pay for itself.
It depends on what you need. If you want just budgeting with no frills, Mint is still the best.
If you want more, such as investment tracking or financial planning, you’ll need to move to something like Personal Capital.
If you want help establishing and adjusting to a budget, a service like You Need a Budget will be more effective in transitioning your spending habits.