The 6 Best Mint Alternatives in 2026
Mint shut down, and your monthly money check-in lost its home. Here's where to move it, free and paid.
The short answer
VaultFlow Best free and privateThe best Mint alternative for most iPhone users is VaultFlow. Like Mint, it's free and covers budgets, bills and net worth. But it needs no bank login: you import statement files instead. If you want Mint-style automatic syncing, choose Monarch Money. If it has to stay free, choose Empower Personal Dashboard.
We checked every app's store page, prices and privacy label in October 2026, then scored each on 5 things. How we rank
Which one is for you?
Best free and privateVaultFlowFormer Mint users on iPhone who want free and private
2
Best paid replacementMonarch MoneyMint fans who want automatic syncing and will pay for it
3
Best for Apple usersCopilot MoneyFormer Mint users on iPhone and Mac who want polish
4
Best free with syncingEmpower Personal DashboardMint users who mainly watched net worth and investments
5
Best budgeting methodYNABEx-Mint users who want a stricter plan, not just charts
6
Best open-source optionActual BudgetTinkerers who want a free budget that lives on their own device
- VaultFlow is the top pick: free like Mint, with budgets, bills and net worth, and no bank login.
- Monarch Money is the closest paid match for Mint's automatic syncing. Empower syncs for free.
- Copilot Money suits Apple fans, YNAB teaches a method, and Actual Budget is free and open source.
Mint shut down, and a lot of people lost the one free app that showed their whole money picture. The best Mint alternatives cover the same ground, from budgets and bills to net worth. But each makes a different trade between price, privacy and automatic syncing.
Keep reading
Three picks are free, and Empower is the free one closest to Mint's link-everything style. The other three charge a subscription for automatic syncing and polish.
No pick ticks every box.
-
Best free and private
1. VaultFlow
0Mint's big three (budgets, bills and net worth), free and without a bank login.
- Free
- iPhone
- No subscription
8.4You used Mint for three things: where the money went, which bills were coming and what you were worth. VaultFlow does all three across Home, Spending, Bills and Wealth, free and with no ads. The big difference is the bank login. There isn't one.
More about VaultFlow
Import your bank's CSV, OFX or QFX file, and duplicates are skipped. Bills remind you one to three days ahead, and investments use live prices. The catch: updating means importing a fresh statement, and your data stays on one device for now.
Great forFormer Mint users on iPhone who want free and private
The catchStatement files in, no live bank feeds, and no device sync yet
Source: thebighead.ca -
Best paid replacement
2. Monarch Money
0Everything Mint linked, linked again, with a sharper dashboard and a login for your partner.
- Subscription
- iPhone · Android · Web
- No ads
9.1Do you miss opening one app and seeing every account already updated? Monarch Money is the closest replacement. It links bank, card, loan and investment accounts. Then it lays out budgets, cash flow and net worth on one dashboard.
More about Monarch Money
Your partner can join with their own login at no extra cost. Newer features include forecasts, receipt scanning and an AI assistant. The catch: unlike Mint, it costs money once a short trial ends. A bank link can still break and need fixing by hand.
Great forMint fans who want automatic syncing and will pay for it
The catchPaid only, and bank links sometimes need a manual fix
Source: monarch.com -
Best for Apple users
3. Copilot Money
0The good-looking upgrade for Apple fans: smart categories, a real Mac app and the web too.
- Subscription
- iPhone · Mac · Web
- No ads
8.9If checking your money is a weekly habit, it might as well look good. Copilot Money's iPhone, iPad and Mac apps are the most polished here. Its categories learn from your fixes, so the review gets quicker each week.
More about Copilot Money
It tracks investments, crypto, net worth and repeating bills. An assistant, still in beta, suggests fixes that you approve. The catch: Android users are left out, and the free trial lasts a month before the subscription starts.
Great forFormer Mint users on iPhone and Mac who want polish
The catchSubscription only, and no Android app
Source: copilot.money -
Best free with syncing
4. Empower Personal Dashboard
0Free linked accounts and a sharp net worth view. You'll just hear about advisors.
- Free
- iPhone · Android · Web
8.2If Mint's appeal was free and automatic, Empower Personal Dashboard is the nearest match. Link your accounts once. It shows your net worth, how your investments are split and if retirement is on track, all for free.
More about Empower Personal Dashboard
There are planners for savings, debt and emergency funds, and a tax planning feature arrived this year. The catch: budgeting and categories are basic, and the free dashboard comes with sales pitches for paid advice.
Great forMint users who mainly watched net worth and investments
The catchBasic budgeting, and expect pitches for paid advice
Source: empower.com -
Best budgeting method
5. YNAB
0Mint showed you last month. YNAB makes you plan this month before it happens.
- Subscription
- iPhone · Android · Web
- No ads
8.9Mint told you what happened last month. YNAB asks what you want to happen this month. Each dollar gets a job before it leaves your account. The app makes overspending impossible to miss, which is the whole point.
More about YNAB
It links some banks in the US, Canada, the UK and the EU, or imports CSV files. One subscription can be shared by six people in total. The catch: expect a steep first month, and once the trial ends there's no free plan to fall back on.
Great forEx-Mint users who want a stricter plan, not just charts
The catchThe first month is a climb, and it's paid once the trial ends
Source: ynab.com -
Best open-source option
6. Actual Budget
0Free and open source, with your budget living on your own machine.
- Free
- Web · Mac · Windows +1
- No subscription
8.9Burned by an app shutting down? Actual Budget is open source and keeps your budget on your own device, not a company's server. Put income into envelopes, then use rules, split transactions and custom reports.
More about Actual Budget
Sync is optional and end-to-end encrypted, so only you can read it. Bank sync works through providers you set up yourself. The catch: to sync between devices, you run a small server yourself or rent one. And you won't find it in either phone app store.
Great forTinkerers who want a free budget that lives on their own device
The catchNeeds your own server to sync, and no phone app
Source: actualbudget.org
Side by side
| # | App | Best for |
|---|---|---|
| 1 |
VaultFlow |
Best free and private |
| 2 |
Monarch Money |
Best paid replacement |
| 3 |
Copilot Money |
Best for Apple users |
| 4 |
Empower Personal Dashboard |
Best free with syncing |
| 5 |
YNAB |
Best budgeting method |
| 6 |
Actual Budget |
Best open-source option |
How to choose
What should you look for in a Mint alternative?
Start with what you really used Mint for. If it was a quick look at spending and bills, a free app like VaultFlow covers it. If it was seeing every account update by itself, you want automatic syncing. Monarch Money and Copilot Money charge for that, and Empower offers it free.
Then think about privacy. Linking accounts gives a service access to your bank data. VaultFlow and Actual Budget let you skip that entirely.
Which Mint alternative is best for couples?
Monarch Money is the easiest for two: invite a partner at no extra cost, and you each get your own login. YNAB shares one subscription with up to six people. VaultFlow keeps its data on one iPhone or iPad and doesn't sync yet, so it suits one person running the money.
Move to VaultFlow if you want Mint's budgets, bills and net worth for free, with no bank login. Want Mint's automatic syncing back and happy to pay? Monarch Money is the closest replacement.
See why VaultFlow is #1Compare the top picks
VaultFlow
8.4
vs
Monarch Money
9.1
VaultFlow
8.4
vs
Copilot Money
8.9
Monarch Money
9.1
vs
Copilot Money
8.9
Questions people ask
What is the best free Mint alternative?
VaultFlow is the best free Mint alternative, with budgets, bill reminders and net worth and no subscription, ads or bank login. If you want free automatic syncing like Mint had, use Empower Personal Dashboard.
Is VaultFlow or Monarch Money the better Mint replacement?
VaultFlow is better if you want to stay free and keep your bank login private. Monarch Money is better if you want Mint's automatic syncing back and don't mind a subscription.
Is there a Mint alternative for Android?
Yes: Monarch Money, YNAB and Empower run on Android, iPhone and the web, while VaultFlow is iPhone and iPad only and Copilot Money gives Android users just its web app. Actual Budget works in a browser once its server is running.
Which Mint alternative is best for tracking net worth?
Empower Personal Dashboard is the strongest free net worth tracker here, with retirement planning built in. VaultFlow also tracks net worth for free, including accounts, cards, your home and loans, without linking anything.
