Mint shut down in March 2024 and Intuit moved everyone to Credit Karma, which does not budget. Here is where Mint's users actually went — ranked, priced, and honest about the trade-offs.
Ranked by how completely each one replaces what Mint actually did — and by how much of your financial history you keep when you eventually leave.
Free core · optional hosting
Plain-text double-entry accounting. Your ledger is a text file you own, checked by real accounting rules, with optional hosted bank sync and mobile apps layered on top.
Best for: People who never want to lose a financial archive to a shutdown again, and who will trade an hour of setup for permanence and precision.
$99.99/yr or $14.99/mo
The most polished Mint successor: aggregator-backed sync, household sharing, budgets, goals and a genuinely good net-worth dashboard.
Best for: Households that want the closest thing to Mint — better maintained, and worth a subscription to them.
About $109/yr or $14.99/mo
Zero-based envelope budgeting built around a method: every dollar is given a job before you spend it.
Best for: People whose real problem is spending behaviour rather than record-keeping — YNAB is a habit tool that happens to track money.
Free · self-host or ~$3/mo managed
Free, open-source, local-first envelope budgeting — the closest thing to YNAB's method without the subscription.
Best for: Budgeters who want YNAB's envelope method as open source they can run themselves.
About $95/yr or $13/mo
A beautiful, Apple-first spending tracker with unusually good automatic categorization.
Best for: Apple users who want the best-looking automatic tracker and no budgeting theory to learn.
Free · ad and referral funded
Where Intuit actually sent Mint's users. Free, ad-funded, and — importantly — not a budgeting app.
Best for: Watching credit scores and balances. It is on this list because Mint users were migrated here, not because it replaces Mint.
The five things Mint refugees ask about most, side by side. Prices checked August 2026.
| What matters | Beancount.io | Monarch Money | YNAB | Actual Budget | Copilot Money | Credit Karma |
|---|---|---|---|---|---|---|
| Cost | Free open-source core; pay only for optional hosting | $99.99/yr or $14.99/mo | About $109/yr or $14.99/mo | Free self-hosted; ~$3/mo managed | About $95/yr or $13/mo | Free, funded by ads and referrals |
| Who owns the data | You do — plain-text files on your own disk | Monarch's cloud; CSV export in 10,000-row chunks | YNAB's cloud; CSV export per budget | You do — a local budget file you sync yourself | Copilot's cloud; CSV export | Intuit's cloud; limited export |
| Budgeting | Custom budgets and queries you define yourself | Category and flexible budgets with rollovers | Zero-based envelopes — the strongest method here | Envelope budgeting, YNAB-style | Light category budgets | None |
| Bank sync | Optional hosted sync; CSV import any time | Broadest coverage, switchable aggregators | Solid coverage across US, Canada and the UK | Bring your own connection | Good US coverage | Automatic for supported accounts |
| Investments | Full lots, cost basis and capital gains | Holdings and balances; deeper analytics on the paid tier | Tracking accounts only | Basic tracking accounts | Holdings and performance views | Balances only |
What Mint actually did, what replaced it, and how to import a Mint CSV export into a ledger you own.
Read comparisonThe polished subscription against the file you own — including where Monarch genuinely wins.
Read comparisonWhy the app Intuit migrated Mint users to never replaced the budgeting they lost.
Read comparisonWhichever app you pick, the archive you downloaded before Mint shut down still has to come with you. Paste the CSV and get balanced double-entry transactions back, in your browser.
Open the converterIt depends on which part of Mint you miss. If you want the closest hosted replacement — automatic sync, household sharing, a polished dashboard — Monarch Money is the strongest option at $99.99 a year. If you want budgeting that changes behaviour, YNAB is still the best method, and Actual Budget gives you nearly the same method free and open source. If what bothered you about Mint was that a company could delete a decade of your financial history, Beancount.io is the structural answer: your ledger is plain-text files you own, and no shutdown can take them away.
Yes, several, and they differ in kind. Actual Budget is free and open source — self-host it and pay nothing, or use a managed host for a few dollars a month. Beancount is free open-source software too; your ledger is a text file, and you only pay if you want hosted extras like bank sync or mobile apps. Credit Karma is free in the ad-funded sense: it costs nothing because it earns by recommending financial products, and it has no budgeting features at all.
Intuit migrated Mint accounts into Credit Karma, which tracks balances and credit scores but never rebuilt Mint's budgeting. That gap is why so many users moved somewhere else instead — most visibly to Monarch Money, which grew sharply after the March 2024 shutdown, and to YNAB and Actual Budget among people who wanted a real budgeting method rather than a dashboard.
Mostly yes, through CSV. Mint let users export transactions as CSV before it closed, and Monarch, YNAB, Actual Budget and Beancount can all ingest that file — the columns (date, description, category, account, amount) map onto each tool's import format. Beancount turns those rows into balanced double-entry transactions, so the imported history is checked rather than merely stored. Whatever you choose, keep the original CSV: it is the only copy of that history you fully control.
Only the local-first ones. Beancount stores your ledger as plain text on your own disk, and Actual Budget keeps a local budget file you sync yourself — in both cases the software can disappear and your records stay readable. Monarch, YNAB, Copilot and Credit Karma all hold your history in their cloud and offer CSV export, which is a copy of your data rather than the data itself. The distinction only matters once, and by then it is usually too late to change.
Start free with a plain-text ledger you keep forever — bank sync, mobile apps and imports are there when you want them.
