The best Mint alternatives

It has been a number of months since Intuit shut down the favored budgeting app Mint. I used to be a Mint consumer for a few years; thousands and thousands of different customers like me loved how simply Mint allowed us to trace all accounts in a single place and monitor credit score scores. I additionally used it frequently to assist me monitor spending, set objectives like pay my mortgage down sooner and with common cash administration.

Forward of Mint’s demise, I gave Credit Karma, Intuit’s different monetary app, a attempt however discovered it to be a poor Mint different. So I got down to discover a true substitute in one other budgeting app. The next information lays out my expertise testing among the hottest Mint substitute apps accessible right now. Our choose for finest Mint different stays Quicken Simplifi, even months after the Mint shutting down, because of its straightforward to make use of app, good revenue and invoice detection and its reasonably priced worth. However there are many different stable choices on the market for these with completely different wants. In case you’re additionally on the hunt for a budgeting app to exchange Mint, we hope these particulars may help you resolve which of the best budgeting apps on the market shall be best for you.

Greatest Mint options in 2024

Quicken

Month-to-month value: $4 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS, Android

A whole, easy-to-use app that prices lower than the competitors — and feels essentially the most like Mint.

Professionals

• Straightforward-to-use app with a mild studying curve
• Does a great job detecting recurring revenue and payments
• Cheaper than the competitors
• Enables you to share app entry with a partner or monetary advisor
• Helpful refund tracker

Cons

• No free trial
• You may’t create an account utilizing your Apple or Google ID
• No Zillow integration

$48/year at Quicken

No pun supposed, however what I like about Quicken Simplifi is its simplicity. Whereas different budgeting apps attempt to distinguish themselves with darkish themes and customizable emoji, Simplifi has a clear consumer interface, with a touchdown web page that you simply simply maintain scrolling via to get an in depth overview of all of your stats. These embody your top-line balances; internet price; current spending; upcoming recurring funds; a snapshot of your spending plan; high spending classes; achievements; and any watchlists you’ve arrange. You too can arrange financial savings objectives elsewhere within the app. I additionally recognize the way it provides neat, nearly playful visualizations with out ever trying cluttered. I felt at house within the cellular and internet dashboards after a day or so, which is quicker than I tailored to some competing providers (I’m taking a look at you, YNAB and Monarch).

Getting arrange with Simplifi was largely painless. I used to be notably impressed at how simply it related to Constancy; not all funds trackers do, for no matter purpose. That is additionally one of many solely providers I examined that provides you the choice of inviting a partner or monetary advisor to co-manage your account. One factor I might add to my preliminary evaluation of the app, having used it for a number of months now: I want Simplifi supplied Zillow integration for simply monitoring your house worth (or at the very least a tough estimate of it). Varied opponents together with Monarch Cash and Copilot Cash work with Zillow, so clearly there is a Zillow API accessible to be used. Because it stands, Simplifi customers should add actual property manually like some other asset.

In apply, Simplifi miscategorized a few of my bills, however nothing out of the bizarre in comparison with any of those funds trackers. As you’re reviewing transactions, you may as well mark if you happen to’re anticipating a refund, which is a singular function among the many providers I examined. Simplifi additionally estimated my common revenue higher than another apps I examined. Most of all, I appreciated the choice of with the ability to categorize some, however not all, purchases from a service provider as recurring. As an example, I can add my two Amazon subscribe-and-saves as recurring funds, with out having to create a broad-strokes rule for each Amazon buy.

The budgeting function can be self-explanatory and might possible accommodate your most well-liked budgeting methodology. Simply verify that your common revenue is correct and be sure you arrange recurring funds, making be aware of that are payments and that are subscriptions. That is necessary as a result of Simplifi exhibits you your whole take-home revenue in addition to an “revenue after payments” determine. That quantity contains, properly, payments however not discretionary subscriptions. From there, you possibly can add spending targets by class within the “deliberate spending” bucket. Deliberate spending may embody one-time expenditures, not simply month-to-month budgets. Whenever you create a funds, Simplifi will counsel a quantity primarily based on a six-month common.

Not dealbreakers, however two issues to remember as you get began: Simplifi is notable in you can’t arrange an account via Apple or Google. There may be additionally no choice for a free trial, although Quicken guarantees a “30-day a reimbursement assure.”

Monarch Cash

Month-to-month value: Begins at $9 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS, Android

A strong budgeting app that’s slightly tougher to make use of than our high choose, however not prohibitively so. (Energy customers may not thoughts.)

Professionals

• Numerous element and alternatives for personalization
• Useful “objectives” function
• You may grant account entry to different folks
• Chrome extension for importing from Mint
• Month-in-review recap is extra thorough than most
• Automotive worth syncing
• Zillow integration

Cons

• Steeper studying curve than another funds trackers
• The cellular app feels restricted and fewer intuitive than the net model
• Doesn’t appear to tell apart between payments and different recurring bills
• Some bugginess on cellular round creating guidelines for expense classes

$50 a year at Monarch Money

Monarch Money grew on me. My first impression of the budgeting app, which was based by a former Mint product supervisor, was that it is tougher to make use of than others on this checklist, together with Simplifi, NerdWallet and Copilot. And it’s. Enhancing expense classes, including recurring transactions and creating guidelines, for instance, is a bit more difficult than it must be, particularly within the cellular app. (My recommendation: Use the net app for fine-tuning particulars.) Monarch additionally didn’t get my revenue proper; I needed to edit it.

When you’re arrange, although, Monarch provides a powerful stage of granularity. Within the budgets part, you possibly can see a bona fide stability sheet displaying budgets and actuals for every class. You will additionally discover a forecast, for the yr or by month. And recurring bills might be set not simply by service provider, however different parameters as properly. As an example, whereas most Amazon purchases is perhaps marked as “purchasing,” these for the quantities of $54.18 or $34.18 are positively child provides, and might be routinely marked as such every time, to not point out programmed as recurring funds. Weirdly, although, there’s no technique to mark sure recurring funds as payments, particularly.

Not lengthy after I first revealed this story in December 2023, Monarch introduced an in depth reporting part the place you possibly can create on-demand graphs primarily based on issues like accounts, classes and tags. That function is accessible simply on the net model of the app for now. As a part of this similar replace, Monarch added assist for an aggregator that makes it potential to routinely replace the worth of your automotive. This, mixed with the present Zillow integration for monitoring your house worth, makes it straightforward to rapidly add a non-liquid asset like a automobile or actual property, and have it present up in your internet price graph.

The cellular app is generally self-explanatory. The principle dashboard exhibits your internet price; your 4 most up-to-date transactions; a month-over-month spending comparability; revenue month-to-date; upcoming payments; an investments snapshot; a listing of any objectives you’ve set; and, lastly, a hyperlink to your month-in-review. That month-in-review is extra detailed than most, delving into money circulation; high revenue and expense classes; money circulation tendencies; modifications to your internet price, property and liabilities; plus asset and legal responsibility breakdowns. In February 2024, Monarch expanded on the net worth graph, in order that if you happen to click on on the Accounts tab you possibly can see how your internet price modified over completely different intervals of time, together with one month, three months, six months, a yr or all time.

On the primary display screen, you’ll additionally discover tabs for accounts, transactions, money circulation, funds and recurring. Like lots of the different apps featured right here, Monarch can auto-detect recurring bills and revenue, even when it will get the class flawed. (All of them do to an extent.) Expense classes are marked by emoji, which you’ll be able to customise if you happen to’re so inclined.

Monarch Cash makes use of a mix of networks to attach with banks, together with Plaid, MX and Finicity, a competing community owned by Mastercard. (I’ve a fast explainer on Plaid, the trade commonplace on this area, towards the tip of this information.) As a part of an replace in late December, Monarch has additionally made it simpler to attach via these different two networks, if for some purpose Plaid fails. Much like NerdWallet, I discovered myself finishing two-factor authentication each time I wished to get previous the Plaid display screen so as to add one other account. Notably, Monarch is the one different app I examined that lets you grant entry to another person in your loved ones — possible a partner or monetary advisor. Monarch additionally has a Chrome extension for importing from Mint, although actually that is only a shortcut for downloading a CSV file, which you’ll must do no matter the place you select to take your Mint knowledge.

Moreover, Monarch simply added the flexibility to trace Apple Card, Apple Money, and Financial savings accounts, because of new performance introduced with the iOS 17.4 replace. It is not the one one both; at present, Copilot and YNAB have additionally added comparable performance that shall be accessible to anybody with the newest variations of their respective apps on a tool operating iOS 17.4. As an alternative of manually importing statements, the brand new performance permits apps like Monarch’s to routinely pull in transactions and stability historical past. That ought to make it simpler to account for spending on Apple playing cards and accounts all through the month.

Monarch additionally not too long ago launched funding transactions in beta. It additionally says invoice monitoring and an overhauled objectives system are coming quickly. Monarch hasn’t offered a timeline for that final one, besides to say that the improved objectives function is coming in early 2024.

Copilot Cash

Month-to-month value: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS

A superbly designed and fairly priced app with a number of options in improvement — together with Android and internet apps.

Professionals

• Slick UI
• Standalone Mac app
• Decrease month-to-month worth than some competing apps
• Does a great job visualizing recurring bills
• Elective Amazon, Venmo and Zillow integration
• “To assessment” part is helpful

Cons

• No internet or Android app but
• Miscategorized extra bills than our high choose
• Numerous in any other case widespread options are nonetheless in improvement

Two months free at Copilot Money

Copilot Money is perhaps the best-looking budgeting app I examined. It additionally has the excellence of being unique to iOS and Macs — at the very least for now. Andres Ugarte, the corporate’s CEO, has publicly promised that Android and internet apps are coming in 2024 (extra possible the second half of the yr, Ugarte tells me). However till it follows via, I can’t advocate Copilot for most individuals with so many good opponents on the market.

There are different options that Copilot is lacking, which I’ll get into. However it’s promising, and one to regulate. It’s only a quick, environment friendly, properly designed app, and Android customers shall be in for a deal with once they’ll lastly have the ability to obtain it. It makes good use of colours, emoji and graphs that will help you perceive at a look the way you’re doing on all the things out of your budgets to your funding efficiency to your bank card debt over time. Particularly, Copilot does a greater job than nearly some other app of visualizing your recurring month-to-month bills.

Behind these punchy colours and cutesy emoji, although, is a few refined efficiency. Copilot’s AI-powered “Intelligence” will get smarter as you go at categorizing your bills. (You too can add your personal classes, full together with your alternative of emoji.) It’s not excellent. Copilot miscategorized some purchases (all of them do), but it surely makes it simpler to edit than most. On high of that, the interior search function may be very quick; it begins whittling down ends in your transaction historical past as quickly as you start typing.

Copilot can be distinctive in providing Amazon and Venmo integrations, permitting you to see transaction particulars. With Amazon, this requires simply signing into your Amazon account through an in-app browser. For Venmo, you need to arrange fwd@copilot.cash as a forwarding handle after which create a filter, whereby emails from venmo@venmo.com are routinely forwarded to fwd@copilot.cash. Like Monarch Cash, you may as well add any property you personal and monitor its worth via Zillow, which is built-in with the app.

Whereas the app is closely automated, I nonetheless recognize that Copilot marks new transactions for assessment. It’s a great way to each weed out fraudulent prices, and likewise be considerably intentional about your spending habits.

Like Monarch Cash, Copilot up to date its app to make it simpler to hook up with banks via networks apart from Plaid. As a part of the identical replace, Copilot mentioned it has improved its connections to each American Specific and Constancy which, once more, is usually a bugbear for some funds monitoring apps. In an much more current replace, Copilot added a Mint import choice, which different budgeting apps have begun to supply as properly.

As a result of the app is comparatively new (it launched in early 2020), the corporate continues to be catching as much as the competitors on some table-stakes options. Ugarte instructed me that his workforce is sort of finished constructing out an in depth money circulation part, which may launch earlier than the tip of 2023, however extra possible in early 2024. On its website, Copilot additionally guarantees a raft of AI-powered options that construct on its present “Intelligence” platform, the one which powers its sensible expense categorization. These embody “sensible monetary objectives,” pure language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is supposed to present folks a way of how they’re doing in comparison with different Copilot customers, on each spending and funding efficiency. Most of those options ought to arrive within the new yr.

Copilot does a pair attention-grabbing issues for brand spanking new prospects that distinguish it from the competitors. There’s a “demo mode” that appears like a sport simulator; no want so as to add your personal accounts. The corporate can be providing two free months with RIPMINT — a extra beneficiant introductory provide than most. When it lastly does come time to pony up, the $7.92 month-to-month plan is cheaper than some competing apps, though the $95-a-year-option is in the identical ballpark.

NerdWallet

Month-to-month value: $0 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS, Android

The very best free funds monitoring app you will get (and there aren’t many compromises in addition to the ever-present advertisements).

Professionals

• Free
• Straightforward to make use of
• Useful weekly insights
• NerdWallet has a deep properly of useful monetary explainers and guides
• One of many few choices that gives credit score rating monitoring

Cons

• Adverts all over the place
• No customization for spending classes
• Much less adept at detecting common revenue
• One of many extra tedious setup processes

Free at NerdWallet

You might know NerdWallet as a web site that gives a mixture of private finance information, explainers and guides. I see it usually once I google a monetary time period I don’t know and positive sufficient, it’s one of many websites I’m probably to click on on. Because it occurs, NerdWallet additionally has the excellence of providing one of many solely free budgeting apps I examined. The truth is, there isn’t any paid model; nothing is locked behind a paywall. The principle catch: There are advertisements all over the place. To be honest, the free model of Mint was like this, too.

Even with the inescapable bank card provides, NerdWallet has a clear, easy-to-understand consumer interface, which incorporates each an internet and a cellular app. The important thing metrics that it highlights most prominently are your money circulation, internet price and credit score rating. (Of be aware, though Mint itself supplied credit score rating monitoring, most of its rivals don’t.) I notably loved the weekly insights, which delve into issues like the place you spent essentially the most cash or how a lot you paid in charges — and the way that compares to the earlier month. As a result of that is NerdWallet, an encyclopedia of monetary data, you get some notably particular class choices when organising your accounts (assume: a Roth or non-Roth IRA).

As a budgeting app, NerdWallet is greater than serviceable, if a bit primary. Like different apps I examined, you possibly can arrange recurring payments. Importantly, it follows the favored 50/30/20 budgeting rule, which has you placing 50% of your funds towards stuff you want, 30% towards stuff you need, and the remaining 20% into financial savings or debt repayments. If this works for you, nice — simply know you can’t customise your funds to the identical diploma as some competing apps. You may’t at present create customized spending classes, although a be aware contained in the dashboard part of the app says “you’ll have the ability to customise them sooner or later.” You can also’t transfer objects from the needs column to “wants” or vice versa however “Sooner or later, you’ll transfer particular transactions to actively handle what falls into every group.” A NerdWallet spokesperson declined to offer an ETA, although.

Lastly, it’s price noting that NerdWallet had one of the crucial onerous setup processes of any app I examined. I don’t assume it is a dealbreaker, as you’ll solely must do it as soon as and, hopefully, you aren’t organising six or seven apps in tandem as I used to be. What made NerdWallet’s onboarding particularly tedious is that each time I wished so as to add an account, I needed to undergo a two-factor authentication course of to even get previous the Plaid splash display screen, and that’s not together with the 2FA I had arrange at every of my banks. It is a safety coverage on NerdWallet’s finish, not Plaid’s, a Plaid spokesperson says.

Exactly as a result of NerdWallet is without doubt one of the solely funds trackers to supply credit score rating monitoring, it additionally wants extra of your private data throughout setup, together with your birthday, handle, telephone quantity and the final 4 digits of your social safety quantity. It’s the identical with Credit score Karma, which additionally does credit score rating monitoring.

Associated to the setup course of, I discovered that NerdWallet was much less adept than different apps at routinely detecting my common revenue. In my case, it counted a big one-time wire switch as revenue, at which level my solely different choice was to enter my revenue manually (which is barely annoying as a result of I might have wanted my pay stub helpful to double-check my take-home pay).

YNAB

Month-to-month value: Begins at $8 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS, Android

An app with a cult following that promotes a distinct, extra hands-on strategy to budgeting. Not for individuals who desire a set-and-forget expertise.

Professionals

• Notably sturdy emphasis on budgeting
• Distinctive “zero-dollar” strategy to monetary planning that some folks swear by

Cons

• Steep studying curve
• More durable to make use of sure options on the cellular app than on the net

$99 a year or $14.99 a month at YNAB

YNAB is, by its own admission, “completely different from something you’ve tried earlier than.” The app, whose title is brief for You Want a Price range, promotes a so-called zero-based budgeting system, which forces you to assign a function for each greenback you earn. A regularly used analogy is to place every greenback in an envelope; you possibly can all the time transfer cash from one envelope to a different in a pinch. These envelopes can embody hire and utilities, together with unexpected bills like vacation items and the inevitable automotive restore. The thought is that if you happen to funds a specific amount for the unknowns every month, they received’t really feel like they’re sneaking up on you.

Importantly, YNAB is just involved with the cash you’ve in your accounts now. The app doesn’t ask you to offer your take-home revenue or arrange recurring revenue funds (though there’s a manner to do that). The cash you’ll make later within the month via your salaried job will not be related, as a result of YNAB doesn’t have interaction in forecasting.

The app is tougher to study than some other right here, and it requires extra ongoing effort from the consumer. And YNAB is aware of that. Inside each the cellular and internet apps are hyperlinks to movies and different tutorials. Though I by no means fairly acquired comfy with the consumer interface, I did come to understand YNAB’s insistence on intentionality. Forcing customers to draft a brand new funds every month and to assessment every transaction will not be essentially a foul factor. As YNAB says on its web site, “Certain, you’ve acquired pie charts displaying that you simply spent an obscene sum of money in eating places — however you’ve nonetheless spent an obscene sum of money in eating places.” I can see this strategy being helpful for individuals who don’t are likely to have lots of money in reserve at a given time, or who’ve spending habits they wish to right (to riff off of YNAB’s personal instance, ordering Seamless 4 instances every week).

My colleague Valentina Palladino, understanding I used to be engaged on this information, penned a respectful rebuttal, explaining why she’s been utilizing YNAB for years. Maybe, like her, you’ve main financial savings objectives you wish to obtain, whether or not it’s paying for a marriage or shopping for a home. I counsel you give her column a learn. For me, although, YNAB’s strategy appears like overkill.

PocketGuard

Month-to-month value: Begins at $6 | Tracks spending: Sure | Funding monitoring: Sure | Hyperlinks to financial institution accounts: Sure | Cell app: iOS, Android

A barely rougher-around-the-edges consumer expertise, however you continue to get a number of performance for a lower cost than others and extra options coming in early 2024.

Professionals

• One of many solely funds trackers with a free plan
• You may keep away from an ongoing subscription charge by choosing a one-time lifetime license
• Cheaper than most opponents
• Useful “upcoming payments” view within the app

Cons

• The free model is so restricted that the “free” label feels deceptive; the consumer expertise feels much less polished than some competing apps
• The net app doesn’t make the most of the bigger display screen area on desktop

$7.99 a month or $34.99 a year at PocketGuard

PocketGuard is without doubt one of the solely respected free funds trackers I discovered in my analysis. Simply realize it’s way more restricted on the free tier than NerdWallet or Mint. In my testing, I used to be prompted to pay after I tried to hyperlink greater than two financial institution accounts. A lot without cost, until you retain issues easy with one money account and one bank card. When it comes time to improve to PocketGuard Plus, you’ve three choices: pay $7.99 a month, $34.99 a yr or $79.99 for a one-time lifetime license. That lifetime choice is definitely one of many few distinctive promoting factors for me: I’m positive some folks will recognize paying as soon as and by no means having to, uh, funds for it once more.

From the primary display screen, you’ll see tabs for accounts, insights, transactions and the “Plan,” which is the place you see recurring funds stacked on high of what appears to be like like a funds. The principle overview display screen exhibits you your internet price, whole property and money owed; internet revenue and whole spending for the month; upcoming payments; a helpful reminder of when your subsequent paycheck lands; any debt payoff plan you’ve; and any objectives.

Like another apps, together with Quicken Simplifi, PocketGuard promotes an “after payments” strategy, the place you enter your entire recurring payments, after which PocketGuard exhibits you what’s left, and that’s what you’re imagined to be budgeting: your disposable revenue. Clearly, different apps have a distinct philosophy: keep in mind your entire post-tax revenue and use it to pay the payments, buy stuff you need and possibly even save slightly. However in PocketGuard, it’s the “in your pocket” quantity that’s most outstanding. To PocketGuard’s credit score, it does a great job visualizing which payments are upcoming and which of them you’ve already paid.

PocketGuard has additionally publicly committed to including some fashionable options in early 2024. These embody rollover budgeting in January 2024, categorization guidelines in February and shared family entry in March.

Though PocketGuard’s UI is simple sufficient to grasp, it lacks polish. The “accounts” tab is slightly busy, and doesn’t present totals for classes like money or investments. Seemingly small particulars like weirdly phrased or punctuated copy sometimes make the app really feel janky. Greater than as soon as, it prompted me to replace the app when no updates had been accessible. The net model, in the meantime, feels just like the cellular app blown as much as a bigger format and doesn’t make the most of the additional display screen actual property.

Of be aware, though PocketGuard does work with Plaid, its major bank-connecting platform is definitely Finicity. Organising my accounts via Finicity was largely a simple course of. I did encounter one hiccup: Finicity wouldn’t connect with my SoFi account. I used to be capable of do it via Plaid, however PocketGuard doesn’t make it straightforward to entry Plaid within the app. The one manner, so far as I can inform, is to knowingly seek for the title of a financial institution that isn’t accessible via Finicity, at which level you get the choice to attempt Plaid as a substitute. Like I mentioned: the expertise might be janky.

What’s Plaid and the way does it work?

Every of the apps I examined makes use of the identical underlying community, known as Plaid, to drag in monetary knowledge, so it’s price explaining in its personal part what it’s and the way it works. Plaid was based as a fintech startup in 2013 and is right now the trade commonplace in connecting banks with third-party apps. Plaid works with over 12,000 monetary establishments throughout the US, Canada and Europe. Moreover, greater than 8,000 third-party apps and providers depend on Plaid, the company claims.

To be clear, you don’t want a devoted Plaid app to make use of it; the know-how is baked into a big selection of apps, together with the funds trackers I examined for this information. As soon as you discover the “add an account” choice in whichever one you’re utilizing, you’ll see a menu of generally used banks. There’s additionally a search area you should use to look yours up immediately. As soon as you discover yours, you’ll be prompted to enter your login credentials. You probably have two-factor authentication arrange, you’ll have to enter a one-time passcode as properly.

Because the intermediary, Plaid is a passthrough for info that will embody your account balances, transaction historical past, account sort and routing or account quantity. Plaid makes use of encryption, and says it has a coverage of not promoting or renting buyer knowledge to different firms. Nevertheless, I might not be doing my job if I didn’t be aware that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for amassing “extra monetary knowledge than was wanted.” As a part of the settlement, Plaid was compelled to vary a few of its enterprise practices.

In a press release offered to Engadget, a Plaid spokesperson mentioned the corporate continues to disclaim the allegations underpinning the lawsuit and that “the crux of the non-financial phrases within the settlement are centered on us accelerating workstreams already underway associated to giving folks extra transparency into Plaid’s function in connecting their accounts, and guaranteeing that our workstreams round knowledge minimization stay on monitor.”

My high Mint different picks: Quicken Simplifi and Copilot Cash

To conclude, you is perhaps questioning what app I made a decision on for myself in spite of everything of this analysis. The reply is definitely two apps: Quicken Simplifi, my total high choose, and Copilot Cash. For now, I’m actively utilizing each apps and nonetheless deciding, long-term, which I really feel extra comfy with. I are likely to choose Copilot’s quick, colourful consumer interface, however as I defined above, it is too missing in table-stakes options for me to go as far as to call it the most effective total choice.

How one can import your monetary knowledge from the Mint app

Mint customers ought to contemplate getting their knowledge able to migrate to their new budgeting app of alternative quickly. Sadly, importing knowledge from Mint will not be as straightforward as getting into your credentials from inside your new app and hitting “import.” The truth is, any app that advertises the flexibility to port over your stats from Mint is simply going to have you ever add a CSV file of transactions and different knowledge.

To obtain a CSV file from Mint, do the next:

1. Signal into Mint.com and hit Transactions within the menu on the left facet of the display screen.

2. Choose an account, or all accounts.

3. Scroll down and search for “export [number] transactions” in smaller print.

4. Your CSV file ought to start downloading.

Observe: Downloading on a per-account foundation might sound extra annoying, however may allow you to get arrange on the opposite facet, if the app you’re utilizing has you importing transactions one-for-one into their corresponding accounts.

How we examined Mint options

Earlier than I dove into the world of budgeting apps, I had to perform a little research. To discover a checklist of apps to check, I consulted trusty ol’ Google (and even trustier Reddit); learn critiques of fashionable apps on the App Retailer; and likewise requested buddies and colleagues what funds monitoring apps they is perhaps utilizing. A number of the apps I discovered had been free, similar to Mint. These, in fact, present a great deal of advertisements (excuse me, “provides”) to remain in enterprise. However a lot of the accessible apps require paid subscriptions, with costs usually topping out round $100 a yr, or $15 a month. (Spoiler: My high choose is cheaper than that.)

Since this information is supposed to assist Mint customers discover a everlasting substitute, any providers I selected to check wanted to do a number of issues: import your entire account knowledge into one place; provide budgeting instruments; and monitor your spending, internet price and credit score rating. Besides the place famous, all of those apps can be found for iOS, Android and on the net.

As soon as I had my shortlist of six apps, I set to work setting them up. For the sake of completely testing these apps (and bear in mind, I actually was in search of a Mint alternative myself), I made some extent of including each account to each budgeting app, regardless of how small or immaterial the stability. What ensued was a veritable Groundhog Day of two-factor authentication. Simply hours of getting into passwords and one-time passcodes, for a similar banks half a dozen instances over. Hopefully, you solely have to do that as soon as.

What about Rocket Cash?

Rocket Money is one other free monetary app that tracks spending and helps issues like stability alerts and account linking. In case you pay for the premium tier, the service may allow you to cancel undesirable subscriptions. We didn’t check it for this information, however we’ll contemplate it in future updates.