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Intuit shut down Mint in early 2024. Millions of users lost their go-to expense tracker overnight. Credit Karma absorbed some features, but most people found it wasn't the same. Two years later, the question still comes up constantly: what's the best Mint replacement?
Here's the full comparison for April 2026.
Mint was popular for three reasons: it was free, it synced with your bank, and it categorized transactions automatically. No other free tool did all three. That's why losing it stung.
The honest truth: no free tool in 2026 fully replaces Mint. Bank syncing costs money to maintain (Plaid charges per connection), so every service offering it charges a subscription. But if you're willing to log expenses manually, free options work well.
| Tool | Cost | Bank sync | Account needed | CSV export | Best for |
|---|---|---|---|---|---|
| WildandFree Tracker | Free | No | No | Yes | Quick manual tracking |
| YNAB | $14.99/mo | Yes | Yes | Yes | Zero-based budgeting |
| Monarch Money | $9.99/mo | Yes | Yes | Yes | Closest to old Mint |
| Copilot | $10.99/mo | Yes | Yes | Yes | iOS users |
| Google Sheets | Free | No | Google account | Yes | Full customization |
| Credit Karma | Free | Partial | Yes | No | Credit monitoring |
Try the free option first. No signup, no commitment.
Open Expense Tracker →Browser-based expense tracker (this tool): You open it, add expenses by category, and see monthly totals. Everything stays on your device. No server, no account. You can export to CSV whenever you want. It won't auto-import your bank transactions, but it takes about 2 minutes a day to log your spending manually.
Google Sheets: Total flexibility. Build any tracking system you want. But setup takes 15-30 minutes, and maintaining formulas is on you. Popular budget templates exist on Reddit, though most people stop using them within 2 months because manual entry in a spreadsheet feels like homework.
Credit Karma: Intuit pushed Mint users here, but it's primarily a credit score tool. The spending insights are limited compared to what Mint offered. And you need an account with personal financial data.
YNAB ($14.99/mo): The power tool. Zero-based budgeting where every dollar gets assigned a job. Bank syncing works well. The learning curve is steep. Reddit users who love it really love it. But $180/year is a lot for budgeting software.
Monarch Money ($9.99/mo): The closest experience to old Mint. Clean interface, bank syncing, joint account support. It's what many ex-Mint users switched to. Still costs $120/year.
Copilot ($10.99/mo): iOS-only. Beautiful app with good bank syncing. Android users need not apply.
Here's what two years of post-Mint Reddit threads reveal: most people who used Mint didn't need bank syncing. They just wanted to see where their money went each month. A simple expense tracker with categories and monthly totals does that.
If you realize you need more, upgrade to a paid app later. But start free. You might find that 5 minutes a day of manual tracking gives you better awareness than any automated import ever did.
Already know your spending patterns? Use the budget calculator to build a plan. Or check your overall financial picture with the net worth calculator.
The free Mint replacement. No account, no subscription.
Open Expense Tracker →Why did Mint shut down?
Intuit closed Mint in early 2024 and migrated users to Credit Karma. The official reason was to consolidate products, but many users felt Mint had been neglected for years before the shutdown.
What is the best free Mint replacement?
It depends on what you need. For simple expense tracking without an account, a free browser-based tracker works. For bank syncing and detailed reports, YNAB ($14.99/mo) or Monarch ($9.99/mo) are the most popular paid options.
Is there a free expense tracker that works like Mint?
No free tool fully replicates Mint's bank syncing and automatic categorization. However, free browser-based trackers handle manual expense logging, category breakdowns, and CSV export without requiring an account or payment.