Mint, a top budgeting app that launched in 2006 and was later acquired by Intuit, is shutting down in January 2024. As part of their phased rollout, users are being encouraged to migrate to Intuit’s other product, Credit Karma. Mint allowed users to sync bank accounts and credit cards and create bill alerts and savings goals. Mint was free to use, but the app had quite a few ads. You could also see your credit score thanks to its partnership with Equifax.
Despite all of Mint’s strengths, it just isn’t an option anymore. Compare these other top budgeting apps like Mint so you can continue to budget like a pro.
You Need A Budget (YNAB) comes highly recommended by users online. You can link banking and investment accounts, view transactions, create bill categories, use a budget planning workbook and attend workshops. For a faster way to build a budget, you can also use YNAB's automatic budget feature, so it's out of your hands. This app uses the zero-based budgeting approach, which means all your money is allocated to a specific category like savings, expenses and debt. It costs $14.99 per month, or $99 per year (savings of $80.88) to use YNAB. It's a hefty price for a budget app, and Mint was free to use, but many users say the price is worth the features. YNAB also features a free 34-day trial, so you can test it before you commit.
Fee
$99. per year
Minimum deposit to open
$0
You Need A Budget (YNAB) comes highly recommended by users online. You can link banking and investment accounts, view transactions, create bill categories, use a budget planning workbook and attend workshops. For a faster way to build a budget, you can also use YNAB's automatic budget feature, so it's out of your hands. This app uses the zero-based budgeting approach, which means all your money is allocated to a specific category like savings, expenses and debt. It costs $14.99 per month, or $99 per year (savings of $80.88) to use YNAB. It's a hefty price for a budget app, and Mint was free to use, but many users say the price is worth the features. YNAB also features a free 34-day trial, so you can test it before you commit.
Cleo is a budgeting and borrowing app full of perks. It offers budgeting tools, cash advances and credit-building features, and you can link your bank accounts to Cleo so you can keep track of transactions in the app. There's also an AI that roasts you for your financial missteps, or it can praise you for doing well. Many users praise the AI for the wake-up call and easy-to-understand financial counseling that's based on their spending. The cash advances can be nice in a pinch as well, but you'll need the paid version for $5.99 per month to get it. With the most expensive plan option, called Cleo Builder, you can get the secured Credit Builder card that reports your payments to all three credit bureaus to help you build a credit history and earn cashback rewards on purchases. Cleo doesn't have too many downsides unless you'd rather not pay for the monthly subscription to access cash advances or the credit-building features.
Fee
$0 per month
Minimum deposit to open
$0
Cleo is a budgeting and borrowing app full of perks. It offers budgeting tools, cash advances and credit-building features, and you can link your bank accounts to Cleo so you can keep track of transactions in the app. There's also an AI that roasts you for your financial missteps, or it can praise you for doing well. Many users praise the AI for the wake-up call and easy-to-understand financial counseling that's based on their spending. The cash advances can be nice in a pinch as well, but you'll need the paid version for $5.99 per month to get it. With the most expensive plan option, called Cleo Builder, you can get the secured Credit Builder card that reports your payments to all three credit bureaus to help you build a credit history and earn cashback rewards on purchases. Cleo doesn't have too many downsides unless you'd rather not pay for the monthly subscription to access cash advances or the credit-building features.
Pros
Free plan available
Sync bank accounts for tracking and budgeting
AI tool that roasts your poor spending habits
Cons
Must pay for credit-building or cash advance access
Empower Personal Dashboard is a free mobile and desktop app that lets you link bank accounts, loans, credit cards, mortgages and investment accounts. You can create a granular, detailed budget with individual labels to keep things organized and set savings goals. The dashboard lets you view income and expenses and see more details about your deposits and transactions. On the mobile app, you can use the 'Budgeting' view to see a circle chart to view transactions by type, but Empower doesn't offer much in the way of helping you create a budget. In terms of budgeting apps, it's a top competitor to Mint, with nearly the same functionality and no monthly fees.
APY
4.70%
Fee
$0 per month
Minimum deposit to open
$0
Empower Personal Dashboard is a free mobile and desktop app that lets you link bank accounts, loans, credit cards, mortgages and investment accounts. You can create a granular, detailed budget with individual labels to keep things organized and set savings goals. The dashboard lets you view income and expenses and see more details about your deposits and transactions. On the mobile app, you can use the 'Budgeting' view to see a circle chart to view transactions by type, but Empower doesn't offer much in the way of helping you create a budget. In terms of budgeting apps, it's a top competitor to Mint, with nearly the same functionality and no monthly fees.
Previously called Truebill, Rocket Money's standout feature is that it helps you cancel subscriptions that you either forget about or no longer use. By linking your accounts, it identifies subscriptions so you can cancel the ones you no longer need with the help of a Rocket Money concierge — a feature not offered by Mint. On the app, you can view all your subscriptions in a single list, upcoming bills and your budget. But you can't create unlimited budgets or customize your budget categories without paying extra for the premium version. You can choose how much you pay for the premium version, ranging from $6 to $12 per month, or $48 to $60 billed annually. If you're not sure you need the premium subscription, you can try it out for free for seven days.
Fee
From $0 per month
Previously called Truebill, Rocket Money's standout feature is that it helps you cancel subscriptions that you either forget about or no longer use. By linking your accounts, it identifies subscriptions so you can cancel the ones you no longer need with the help of a Rocket Money concierge — a feature not offered by Mint. On the app, you can view all your subscriptions in a single list, upcoming bills and your budget. But you can't create unlimited budgets or customize your budget categories without paying extra for the premium version. You can choose how much you pay for the premium version, ranging from $6 to $12 per month, or $48 to $60 billed annually. If you're not sure you need the premium subscription, you can try it out for free for seven days.
Credit Karma will be your easiest transition from Mint, since it's also part of the Intuit family. While Credit Karma largely focuses on credit building and monitoring with Equifax and TransUnion, it offers some light budgeting tools. It also offers its own accounts, called Money Spend and Save, and includes other Intuit products like TurboTax and Quickbooks. However, Credit Karma can't set monthly or category-level budgets but instead advertises a way to input spending and savings for simple tracking.
Fee
$0. per month
Credit Karma will be your easiest transition from Mint, since it's also part of the Intuit family. While Credit Karma largely focuses on credit building and monitoring with Equifax and TransUnion, it offers some light budgeting tools. It also offers its own accounts, called Money Spend and Save, and includes other Intuit products like TurboTax and Quickbooks. However, Credit Karma can't set monthly or category-level budgets but instead advertises a way to input spending and savings for simple tracking.
Pros
Easy transition from Mint
Free to use
Monitors credit scores
Offers Spend and Save accounts
Cons
Lacks granular budgeting
Annual Percentage Yield (APY)
N/A
Fee
$0. per month
Fee
$0. per month
For paying off debt
EveryDollar
Enjoy a 14-day free trial when you sign up for the Plus plan
EveryDollar was developed by Dave Ramsey, the founder and CEO of Ramsey Solutions, a company focused on helping people come out of debt. The EveryDollar app is a simple budgeting app largely designed for budgeting beginners and uses the zero-based budgeting approach. The free option offers unlimited budgets, personalized spending categories, transaction tracking, the ability to set up sinking funds and much more. But if you want to link your accounts to the app and get all the other features, you need to pay $12.99 per month or $79.99 a year for the paid version. Alternatively, you can also choose to subscribe to Ramsey+ for $129.99 per year, which offers EveryDollar app access as well as the BabySteps app, Ask a Coach, Debt Snowball Calculator and Financial Peace University. On the downside, this app isn't designed for investments or wealth management.
Fee
$0. per month
EveryDollar was developed by Dave Ramsey, the founder and CEO of Ramsey Solutions, a company focused on helping people come out of debt. The EveryDollar app is a simple budgeting app largely designed for budgeting beginners and uses the zero-based budgeting approach. The free option offers unlimited budgets, personalized spending categories, transaction tracking, the ability to set up sinking funds and much more. But if you want to link your accounts to the app and get all the other features, you need to pay $12.99 per month or $79.99 a year for the paid version. Alternatively, you can also choose to subscribe to Ramsey+ for $129.99 per year, which offers EveryDollar app access as well as the BabySteps app, Ask a Coach, Debt Snowball Calculator and Financial Peace University. On the downside, this app isn't designed for investments or wealth management.
Pros
Free and paid option
Designed for budget newbies
Zero-based budgeting approach
Cons
Paid membership required to link accounts
Not for investment or wealth management
Annual Percentage Yield (APY)
N/A
Intro or bonus offer
Enjoy a 14-day free trial when you sign up for the Plus plan
Fee
$0. per month
Fee
$0. per month
For envelope budgeting
Goodbudget
The positives of Goodbudget come from its simplicity and digital envelope budgeting method. It's also designed for people who prefer a hands-on budgeting approach. With the free version, you can use up to 20 envelopes that separate your expenses into categories like taxes, savings goals, rent, entertainment and more. The paid version — costing $8 per month or $70 per year — offers unlimited envelopes. Goodbudget comes highly rated by users but is more work than Mint used to be. Unlike Mint, it doesn't allow you to sync your accounts to log transactions and income automatically. While you can import transactions, you'll still have to manually enter all your purchases and income, which reduces the need for an extra app for budgeting, as you could just use an Excel spreadsheet. Also, if you want email support, you'll need the paid membership.
Fee
$0. per month
Minimum deposit to open
$0
The positives of Goodbudget come from its simplicity and digital envelope budgeting method. It's also designed for people who prefer a hands-on budgeting approach. With the free version, you can use up to 20 envelopes that separate your expenses into categories like taxes, savings goals, rent, entertainment and more. The paid version — costing $8 per month or $70 per year — offers unlimited envelopes. Goodbudget comes highly rated by users but is more work than Mint used to be. Unlike Mint, it doesn't allow you to sync your accounts to log transactions and income automatically. While you can import transactions, you'll still have to manually enter all your purchases and income, which reduces the need for an extra app for budgeting, as you could just use an Excel spreadsheet. Also, if you want email support, you'll need the paid membership.
Pros
Up to 20 envelopes with free version
Less of a learning curve than other apps
Can import bank transactions
Cons
Can't sync accounts
Email support requires paid membership
Annual Percentage Yield (APY)
N/A
Fee
$0. per month
Fee
$0. per month
Minimum deposit to open
$0
How Mint compares
Mint was a popular budgeting app that allowed users to sync their bank accounts. There were no monthly fees, and it offered credit monitoring features — it was a force to be reckoned with. It was a part of the Intuit family, but now that Credit Karma has a much larger user base, Intuit decided to get rid of Mint and send the remaining users over to Credit Karma, which has many products, including a Spend and Save account, credit monitoring and budgeting tools.
Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto.
Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.
Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.
Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio
Bethany's expertise
Bethany has written 448 Finder guides across topics including:
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