When Mint first hit the personal finance scene, we were just as enthusiastic about it as everyone else. That’s probably because it was one of the only free budgeting apps sporting some impressive features at the time. But, let’s face it: Mint has not aged gracefully.
With its clunky synchronization, constant ads, and poor customer service, Mint is definitely starting to show its wrinkles. Once praised as a great way to save time, today’s Mint seems like more of a time sink than a time saver.
Thankfully, alternatives to Mint are not in short supply. Several personal finance apps and programs have improved their interfaces to compete. With these Mint alternatives, you’re sure to find a new system that works for you and your unique financial situation.
- Best Overall Alternative: Personal Capital
- Budgeting Alternatives: Tiller Money, MoneyPatrol, YNAB
- Financial Forecasting Alternative: PocketSmith
- Alternatives for Apple Users: CountAbout, Banktivity
- Mint Alternatives for Bill Pay: Quicken, Moneydance
- Alternative for Automated Savings: Empower Finance
- Free Mint Alternatives: EveryDollar, Goodbudget
- Top Mint Alternatives: Final Thoughts
Best Overall Alternative: Personal Capital
Personal Capital remains our top choice for tracking your complete financial picture. In fact, Personal Capital is more than a great alternative to Mint.com; it makes a great compliment as well.
In our opinion, Personal Capital is the best free money app on the market. The retirement calculator and investment fee analyzer are awesome, plus it can help you track your cashflow and investments. Simply input a few pieces of data, and you’re good to go!
Personal Capital is especially effective because it provides an excellent snapshot of your entire financial picture. Whether you’re interested in tracking your spending, monitoring your investments, or watching your net worth grow, Personal Capital sews it all together in one convenient dashboard. For us, it’s a must have tool. Even better, it is completely free.
Budgeting Alternatives: Tiller Money, MoneyPatrol, YNAB
Looking for a good Mint replacement to help with your monthly budget? Check out these great alternatives!
If you dig spreadsheets, Tiller Money might be the personal finance solution you’re looking for.
It connects to more than 20,000 financial institutions to automatically import transactions from your bank, credit, brokerage, and mortgage accounts into Google Sheets or Microsoft Excel. Auto-categorization saves you time by sorting your transactions into customizable categories.
If spreadsheets intimidate you, have no fear. The “Foundation Template” is Tiller Money’s out-of-the-box solution to your budgeting and financial tracking needs. Create personalized budgets, track spending and balances, and get an “at-a-glance” view of your complete financial standing.
Technically-minded folks will enjoy building their own budget template, while customers with specific goals will find what they need from Tiller Money Labs or add-ons. Targeted spreadsheets for tackling debt, starting a zero-sum budget, and tracking net worth are just some of the popular options available. There are even tools to help freelancers and small business owners manage their finances.
You can try Tiller Money free for the first 30 days. After that, it’s $79 per year, which works out to be less than $7 per month. And get this: Students can use it free for a whole year. Taking control of your money in college is one of the best moves you can make, so it’s awesome that Tiller Money makes its services accessible to students for free.
MoneyPatrol (formerly AccountPatrol) markets itself as the most advanced personal finance monitoring, budgeting, and money management tool around. Honestly, it’s hard to argue with that.
Like several of the other alternatives to Mint, MoneyPatrol allows you to connect your accounts directly to the program. From there, you can monitor your checking account, savings account, credit cards, loans, and more. You can also create weekly and monthly budgets while monitoring the spending on your accounts. The program also allows you to run important financial reports, monitor your cash flow, get bill reminders, and more.
According to MoneyPatrol, their users are reporting an average positive impact of $5,000 per year. That’s a pretty good stash of cash going back into your pocket.
Money Patrol is free for the first 15 days. After that, it costs just $7 per month…which is well worth it if you ask me.
You Need a Budget, also known as YNAB, has made some great improvements over the last few years, particularly when it comes to automation. While you can still enter or correct transactions manually, this Mint alternative now offers bank synchronization and mobile app usage. This is a huge step forward and a sign that they are listening to the needs and wants of their customers.
Since the program focuses on goal setting, saving for big expenses, and anticipating more expensive months, YNAB is a good choice for individuals who are trying to improve their money habits. This is also a good way to implement a zero-sum budget – i.e. a budget where every dollar has a job and no money is wasted.
Unlike Mint, YNAB has useful money resources and webinars that don’t have a hidden agenda. It costs $6.99 a month ($83.88/year) to use the software. However, they offer a 100% money-back guarantee if you aren’t satisfied with their product. You can also try before you buy with YNAB’s free 34-day trial.
Financial Forecasting Alternative: PocketSmith
All of our favorite Mint alternatives bring a strong budgeting game, and PocketSmith is no different. However, this software’s strength lies in its financial forecasting.
PocketSmith will forecast your finances for the next 30 years based on your existing data and trends. And, if you aren’t ready to break up with Mint officially, PocketSmith is compatible with Mint and can actually enhance the experience.
There are several different ways to view your finances with PocketSmith, but the Google-like calendar tracker helps users visualize upcoming bills and expenses. One of my favorite features is the “what if” scenario tester. What would happen to your financial picture if you spent a year abroad or went back to school? This feature will show you.
PocketSmith also breaks down your net worth in clear, easy to understand language. Breaking it down into categories like “What You Own” and “What You Owe” is brilliant. It reminds you that, even if you own assets totaling $500,000, you are not worth that much if you are drowning in credit card debt.
So, why aren’t more people praising this awesome app? Well, the free version is fairly limited and paid versions are pretty expensive. Even though the “Premium Plan” is $9.95 a month (or $89 a year paid annually), you can only pull from 10 financial accounts and get a 10-year financial forecast. If you want to get the whole shebang, including the 30-year forecast, be prepared to pay $19.95 a month (or $169 a year paid annually).
Alternatives for Apple Users: CountAbout, Banktivity
Need a replacement for Mint that works with your Mac or other iOS devices? These programs can help you out!
Need more Mint alternatives to consider? CountAbout was created as a direct solution for users growing weary of both Mint and Quicken. The web-based personal finance software allows users to import data from Quicken and Mint, as well as automatically sync transactions from your bank accounts.
CountAbout works with both iOS and Android platforms, allowing you to access your budget from anywhere with an internet connection. The basic membership costs just $9.99 a year, while a premium membership is $39.99 per year. (Keep in mind that a premium membership is required if you want to sync your financial accounts.)
Small business owners will like the fact that they can use the program to create and send invoices. It’s also important to note, while you can import from your investment account, the app itself does not offer any investment or future financial planning tools or advice.
CountAbout is nice if you already have an established Mint or Quicken account but are fed up with using those platforms. They also offer a 100% money-back guarantee.
Banktivity claims their users will save an average of $500 a year and 40 hours of time. That’s definitely not something to shake a stick at.
Where Banktivity shines brightly is through their bill pay options and debt management tools. While most online banks also have bill pay, one of Banktivity’s best features is that it allows users to pay bills from more than one bank account. Bills can also be integrated, so you don’t have to hunt down your monthly utility bills.
Although Banktivity is only for Mac users, it is still a helpful tool for individuals who want to customize their budget. For instance, if you want to pay your mortgage from “Bank Account A” and your child’s tuition bill from “Bank Account B,” you can do that with Banktivity.
The software also allows users to get granular with their categories by using customizable tags. So, if you want to break down your vacation fund by food costs, transportation expenses, and activities, this feature is super useful.
Try Banktivity free for 30 days. If you like it, you can purchase the desktop app for a one-time fee of just $69.99.
Mint Alternatives for Bill Pay: Quicken, Moneydance
These alternatives can help you replace Mint’s bill pay features.
Of all the programs on this list, Quicken is by far the granddaddy of the bunch. Still, it could be a good fit for you, depending on your needs.
Many people still find Quicken to be the most powerful personal finance software available. It’s a good spot to balance your accounts, keep track of your tax obligations, and more. You also download this software to your computer, although they now back up your information in the cloud as well.
Unfortunately, many people have started searching for alternatives to Quicken, citing a variety of reasons they’re leaving the software giant. In fact, Intuit itself actually dropped Quicken before picking up the rights to Mint…so, there’s that. Still, if you’re looking for a desktop application that may be a suitable Mint replacement, Quicken could be your ticket!
Moneydance is like Quicken’s sexy cousin – and one of the best alternatives to Mint – because it has incorporated Quicken’s functionality while keeping out the bloat and clumsiness of the outdated software. The interface is clean and looks sleek.
The most appealing feature of Moneydance is that it has an open API, which means that – if you are a developer or tech savvy – you can develop extensions for your Moneydance platform using a free, downloadable Extension Developer’s Kit.
As an added bonus, you can budget, pay bills, and track investments with the app. Not only does Moneydance offer free bill pay, but you can also set bill reminders so that you never miss a payment. You can connect to all of your financial accounts and even import from an existing Quicken account. However, many users complain that the transfer from Quicken is not as smooth as they would like.
Moneydance costs $49.99 to download, but you can try it free for your first 100 transactions.
Alternative for Automated Savings: Empower Finance
Aspiring budgeters are drawn to Mint because it offers the chance to start budgeting for free. We won’t argue that free is awesome, but sometimes it’s worth paying for extra value.
Empower Finance is a great alternative to Mint because it takes money management to the next level by actively saving you money. Plus, at just $8 a month, it’s also affordable.
Like our other Mint alternatives, this app syncs to your financial accounts and imports your transaction. You can build daily, weekly, or monthly budgets in custom spending categories and track how your spending measures up.
What makes Empower Finance unique, however, is that it dives deep into your income and spending patterns to identify — and take action on — possible opportunities for saving money. It can get you a better deal on your existing bills by finding a less expensive option or through negotiating with your current provider to lower your bill. It makes a list of current subscriptions and cancels the ones you don’t use. Pretty convenient, right?
The AutoSave feature leverages the power of financial tracking to find surplus cash flow and stash it in a separate account, helping you meet your weekly savings goals.
Other perks that set Empower Finance apart include an interest-bearing checking account with no minimums and access to a human money coach through live chat.
Empower Finance’s powerful insights save you time and money, a combination we can’t resist. The $8 monthly fee is low for the value it delivers, and you can try Empower Finance free for 30 days.
Free Mint Alternatives: EveryDollar, Goodbudget
Need a free alternative to Mint.com? These programs offer a free plans that may make a good replacement.
If you are a follower of Dave Ramsey, then you will probably like using his budgeting app EveryDollar. The free version of this program doesn’t come with all bells and whistles that many of the other apps provide. However, the software is pretty straightforward and a good option for those who are new to budgeting.
Unlike the other Mint alternatives, EveryDollar has a special dedicated to Ramsey’s famous “Baby Steps,” helping you stay on track with your financial goals by integrating them into your budget. While it is definitely one of the best replacements for Mint, if you want to sync the app with your bank accounts, you’ll need to purchase the paid version for a fairly steep $99 a year.
When it comes to great budgeting techniques, the envelope system has helped many people successfully get a handle on their finances. Still, who in their right mind wants to carry around a set of envelopes with cash inside them? That’s where Goodbudget comes in.
Goodbudget is a digital version of the envelope system, helping users create envelopes for monthly and future spending categories like Christmas shopping or family vacations. The app’s free version provides access to 10 regular envelopes and 10 additional envelopes. With the free version, you can only access one account and two devices. The “Plus Plan” solves these nuances for just $7 per month or $60 per year.
This app is the tactile budget system some individuals need, especially if they love the idea of using an envelope system. Unfortunately, the apps biggest drawback is that it doesn’t offer bank synchronization. You can still upload bank statements manually, though.
Top Mint Alternatives: Final Thoughts
We hope you’ve enjoyed this list of the best Mint.com alternatives. Since many of these programs are free, we recommend trying several of them before deciding on the best fit.
By finding the app that suits your needs and personality, you’re more likely to use it consistently. And, the more you pay attention to your finances, the better off they’ll be.
Good luck and thanks for reading!
What program is your favorite alternative to Mint? Let us know in the comments!