> ## Content Index > Fetch the complete content index at: https://bentomoney.com/llms.txt > Use this file to discover other available public pages before exploring further. # Is Mint still available in 2026? What replaced it (and what actually fits) - URL: https://bentomoney.com/blog/mint-replacement-privacy-first-budgeting-apps-2026/ - Published: 2026-01-16T22:53:27.000Z - Updated: 2026-09-16T12:44:31.000Z - Author: Radu Negrean No. Mint is not available in 2026. Intuit shut Mint down on March 23, 2024. Intuit’s official destination for Mint users was Credit Karma. Mint itself is no longer available as a budgeting service, so you can’t simply return to the old Mint app and pick up where you left off. But Credit Karma isn’t a full replacement for everything Mint used to do. That’s why choosing a Mint alternative gets easier once you stop asking, “What replaced Mint?” and ask a better question: **What part of Mint do I actually need back?** ## Mint was doing several jobs at once Mint was hard to replace because it wasn’t one thing. People used it to: - see transactions from several accounts - watch spending - create budgets - keep an eye on bills - check credit information - see balances in one place - get a rough picture of their net worth So there isn’t one obvious app that replaced all of Mint. The right answer depends on which of those jobs mattered to you. If you want a connected financial dashboard, that points one way. If you want a strict budgeting method, that points another. If you mainly want to know whether buying a $14 lunch today is going to mess up the rest of your month, you need something much simpler. ![Mint alternatives comparison after Intuit shut down Mint in 2024](https://bentomoney.com/content/images/2026/06/Featured-Image-2-2.png) ## The best Mint replacement depends on the job | If you mainly want... | Start with | Main trade-off | | -------------------------------------------------- | ------------------- | ------------------------------------------------------------ | | A connected all-in-one money dashboard | Monarch Money | More app than you need if you only care about daily spending | | A structured budgeting method | YNAB | Requires you to adopt the YNAB method | | Credit information and a broad financial overview | Credit Karma | Not a Mint-style budgeting replacement | | A free wealth and net-worth view | Empower | Budgeting isn’t the main attraction | | Connected spending with a simpler modern interface | Simplifi or Copilot | Still centered around connected accounts | | Your finances inside a spreadsheet | Tiller | You need to actually like working in spreadsheets | | One answer to “what can I spend today?” | BentoMoney | Manual, iPhone-only, no bank sync | There’s no honest universal #1 here. They solve different problems. ## Monarch Money makes sense if what you miss is the all-in-one view If Mint was where you went to see your financial life in one place, Monarch is one of the first alternatives worth looking at. It’s designed around connected financial accounts, spending, budgeting, and a broader overview of your finances. That makes it much closer to the *shape* of Mint than a narrow spending tracker. The trade-off is the same thing that makes it useful. There’s a lot there. If all you wanted from Mint was “tell me where I stand before I buy something,” a full financial dashboard can be more machinery than you need. **Best for:** People who want a connected, broad financial picture. **Trade-off:** A bigger system than someone looking for simple daily spending guidance may want. ## YNAB makes sense if you want a budgeting method YNAB isn’t trying to recreate Mint. It has its own way of budgeting, built around giving money jobs and actively managing the money you have. For some people, that’s exactly what they wanted Mint to become. For others, the method itself is the part they don’t want. If you already know you like zero-based budgeting and want a system that makes you participate in the plan, YNAB is a strong fit. If you want something lighter, I have a separate guide to [simpler YNAB alternatives](https://bentomoney.com/blog/5-best-ynab-alternatives-for-a-simpler-daily-budget/). **Best for:** People who want a defined budgeting method. **Trade-off:** You’re choosing the method as much as the app. ## Credit Karma is the official successor, but not a Mint clone Credit Karma was Intuit’s official destination for Mint users. That makes it the literal answer to “what replaced Mint?” from Intuit’s point of view. But it didn’t reproduce the full Mint budgeting experience. Credit Karma is much more centered on credit and an overall financial picture than on recreating Mint’s old budgeting workflow. So if what you miss is Mint’s credit information and account overview, Credit Karma may be enough. If what you miss is day-to-day budgeting, you’ll probably want something else. **Best for:** Credit information and a broad financial overview. **Trade-off:** It isn’t a full Mint budgeting clone. ## Empower makes more sense if Mint was mostly your net-worth dashboard Some people barely used Mint’s budget. They used Mint because all the accounts were there and they could see whether the big number was going up or down. If that was you, Empower is worth a look. Its free financial dashboard is more focused on balances, investments, retirement, and net worth than day-to-day budgeting. That also puts it outside what BentoMoney is trying to do. **Best for:** People who mainly care about wealth, investments, and net worth. **Trade-off:** Not the place I’d start if the real problem is controlling everyday spending. ## Simplifi and Copilot sit in the connected middle Simplifi and Copilot make sense if you liked automatic account connections but want something more focused on spending than a full wealth-management dashboard. Both sit somewhere between a traditional budget app and a connected spending overview. The exact feature sets and pricing move around, so I’d compare their current plans directly before choosing. **Best for:** People who want bank-connected spending visibility without building their own spreadsheet. **Trade-off:** If bank sync itself is what you’re trying to get away from, these don’t solve that problem. ## Tiller is the Mint alternative for spreadsheet people Tiller goes in a different direction. Instead of making the app the center of everything, it brings financial data into Google Sheets or Excel. If you already like spreadsheets, that can be a feature rather than a compromise. You get far more control over how your numbers are organized. You also get a spreadsheet. That sounds obvious, but it matters. If maintaining sheets already feels like work, moving your Mint replacement into one probably won’t make your life easier. **Best for:** People who genuinely prefer spreadsheets. **Trade-off:** More control also means more hands-on management. ## BentoMoney is for the question I kept asking Mint anyway Full disclosure: I built BentoMoney. And I didn’t build it to replace all of Mint. BentoMoney doesn’t track your credit score. It isn’t a net-worth dashboard. It doesn’t track investments as assets. It doesn’t connect to your bank. It’s an [iPhone spending tracker](https://bentomoney.com/spending-tracker-iphone/), and you enter spending manually. The problem it solves is much narrower. I kept doing the same calculation in my head: I’ve been paid. These bills still have to come out. I want this much to go to savings. I’ve already spent some money this month. **What can I actually spend today?** BentoMoney takes: **Income - Bills & Subscriptions - Savings & Investing = Spending Limit** Then it turns that into one number called **Available Today**. So if I’m looking at a $14 lunch, I don’t need to open a monthly budget and start interpreting categories. I check the number before I buy it. That’s the job. It’s not a monthly budget spreadsheet squeezed onto an iPhone. It’s feedback for the spending decision in front of you. Because it works without a bank connection, there’s also no BentoMoney account. Your data stays on your device and the app works offline. That privacy is useful, but it isn’t the reason I built it. The reason was much simpler: I wanted one number I could trust before spending money. You can see the full calculation in [How BentoMoney works](https://bentomoney.com/how-it-works/) or read [How much can I spend today?](https://bentomoney.com/blog/how-much-can-i-spend-today/) for the idea behind it. BentoMoney is currently $14.99/year with a 7-day free trial, or $39 lifetime. [Try BentoMoney free for 7 days](https://apps.apple.com/us/app/daily-budget-app-bentomoney/id6751673275?utm%5Fsource=blog&utm%5Fmedium=organic&utm%5Fcampaign=mint-replacement-privacy-first-budgeting-apps-2026) ## Pick the replacement based on the question you actually ask This is the simplest way I know to narrow the list. **“Where is all my money?”** Start with Monarch, Simplifi, or Copilot. **“What should every dollar be doing?”** Start with YNAB. **“What’s happening with my credit?”** Start with Credit Karma. **“What’s my net worth doing?”** Start with Empower. **“Can I have all of this in a spreadsheet?”** Look at Tiller. **“After bills and savings, can I afford this today?”** That’s the problem BentoMoney is built around. And if your real need is just tracking expenses on an iPhone, not rebuilding Mint, my [iPhone expense tracker comparison](https://bentomoney.com/blog/best-expense-tracker-apps-iphone-2026/) may be more useful. ## Frequently asked questions about Mint in 2026 ### Is Mint still available in 2026? No. Intuit shut Mint down on March 23, 2024. The Mint app and original Mint service are no longer available as an active budgeting product. ### Did Credit Karma replace Mint? Credit Karma was Intuit’s official destination for Mint users. But it didn’t reproduce the full Mint budgeting experience. It makes more sense to think of it as Intuit’s successor path rather than a one-for-one Mint clone. ### Can I recover my old Mint account? You can’t sign back into the old Mint service in 2026 because Mint is no longer available. What data may still exist elsewhere depends on what you migrated or exported during the transition. If you did not keep a copy of your Mint history, do not assume it can be recovered from Mint now. ### What app is most like Mint? If by “like Mint” you mean a connected all-in-one financial dashboard, Monarch is probably the first place I’d compare. But if you only used one part of Mint, another app may fit better. YNAB is better suited to method-driven budgeting. Empower is stronger for wealth and investments. Credit Karma handles credit and financial overview. BentoMoney is much narrower and focuses on daily spending. ### Are there free Mint alternatives? Credit Karma and Empower both offer free consumer experiences that may cover the parts of Mint some people used most. Whether either one is a useful replacement depends on whether you wanted credit information, net worth, spending, or actual budgeting. ### What should I use for zero-based budgeting after Mint? YNAB is one of the obvious options if you specifically want a zero-based or every-dollar-needs-a-job style of budgeting. If that structure is what made you leave budgeting apps in the first place, I wouldn’t choose a replacement just because it has more features. ### Is there a Mint alternative that doesn’t connect to my bank? Yes. BentoMoney works without connecting a bank account. You enter spending manually, and the app calculates what’s left after income, bills, savings, and your spending so far. If you want to explore that approach before choosing an app, read [how to budget without linking your bank account](https://bentomoney.com/blog/how-to-budget-without-linking-your-bank-account-a-practical-guide/). ### Why did Mint shut down? Intuit shut Mint down and directed users toward Credit Karma. I wouldn’t pretend there was one secret reason beyond what Intuit publicly said about the transition. If the reason matters to you, use Intuit’s own announcements rather than speculation. ## What to remember Mint is gone. The useful question now isn’t which app copied it most closely. It’s what you were opening Mint to find out. If you want the big connected financial picture, pick a tool built for that. If you want a budgeting method, pick a method. And if the thing you really want to know is whether spending $14 right now is fine, you don’t need to rebuild Mint at all. You need the number that answers the question. [Try BentoMoney free for 7 days](https://apps.apple.com/us/app/daily-budget-app-bentomoney/id6751673275?utm%5Fsource=blog&utm%5Fmedium=organic&utm%5Fcampaign=mint-replacement-privacy-first-budgeting-apps-2026)