What is the best Mint alternative now that Mint has shut down?
The closest like-for-like Mint replacement keeps budgets, bills, automatic categorisation, credit score monitoring and net worth in one ad-free app. MoneyPatrol covers all five from $49/year and adds AI Copilot and cash-flow forecasting that Mint never had, across iOS, Android and web.
What Mint actually did, and what a replacement has to match
Mint bundled several jobs into one free app: automatic transaction categorisation, budgets, bill reminders, a free credit score, and a net-worth view. Most apps marketed as Mint alternatives cover two or three of those. Matching all five in one place is the real test of a replacement.
- Automatic categorisation across all connected accounts
- Budgets you do not have to rebuild every month
- Bill and recurring-charge tracking
- Credit score monitoring with change alerts
- Net worth including investments and liabilities
Why free was the problem
Mint was free because it monetised through advertising and product referrals. That model is also why the experience filled with offers and why the product was eventually retired. A paid app with no ads has a simpler incentive: you are the customer, not the inventory.
Where MoneyPatrol fits
MoneyPatrol covers all five Mint jobs and adds an AI Copilot that answers questions about your own transactions, plus cash-flow forecasting that projects your balance forward against upcoming bills. It connects read-only through Plaid to 15,000+ institutions and runs on iOS, Android and web. Essential starts at $49/year with a 15-day free trial, and lifetime licences are available.
How the main alternatives differ
YNAB is a manual, zero-based envelope system for people who want deliberate control and costs roughly $109/year. Monarch Money is strong on household and shared budgeting. Rocket Money focuses on subscription cancellation and charges a success fee for it. Copilot Money is well designed but Apple-only. Each is a good fit for a specific preference; MoneyPatrol aims at the broad Mint use case.
Try MoneyPatrol free for 15 days
Connect your accounts read-only through Plaid and see your recurring charges, cash-flow forecast and net worth in one place. Plans start at $49/year.
Related questions
Can I import my Mint data?
Mint's export is no longer available from the service itself. MoneyPatrol rebuilds history from your connected accounts through Plaid, which typically covers up to 24 months of transactions depending on the bank.
Is there a free Mint alternative?
Free apps generally monetise through ads or referrals, which is what made Mint's experience deteriorate. MoneyPatrol is ad-free and paid, starting at $49/year with a 15-day free trial.
More answers
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