What to Use After the Mint Shutdown: Best Replacements in 2026
Updated 16 April 2026
Intuit shut down Mint on March 23, 2024, directing users to Credit Karma. Two years later, many former Mint users still have not found a satisfactory replacement. This guide maps every Mint feature to the best free alternative available today.
What Happened to Mint
Intuit (which also owns TurboTax and QuickBooks) acquired Mint in 2009 for $170 million. After years of declining investment, Intuit announced Mint's shutdown in late 2023, effective March 23, 2024. Users were given a few months to export data and migrate to Credit Karma, another Intuit property.
The move disappointed millions of users because Credit Karma is fundamentally a credit monitoring tool, not a budgeting app. While it inherited some of Mint's account linking capabilities, it lacks the budgeting features that made Mint popular: budget creation, spending limits, category customization, goals, and detailed reports.
Why Credit Karma Disappointed Mint Users
Mint Feature-to-Replacement Mapping
| Mint Feature | Best Free Replacement | Notes |
|---|---|---|
| Bank sync (automatic transactions) | Credit Karma | Closest 1:1 replacement. Auto-imports transactions from connected accounts. |
| Budget categories with limits | Goodbudget (free) | Credit Karma lacks budget creation. Goodbudget adds category-based budgeting with limits. |
| Bill tracking and reminders | Rocket Money (free tier) | Tracks recurring bills, flags changes, sends reminders. Can negotiate lower rates on paid tier. |
| Investment tracking | Empower Personal Dashboard | Better than Mint ever was. Free retirement planner, fee analyzer, and asset allocation breakdown. |
| Credit score | Credit Karma | Free credit monitoring with daily updates. This is what Credit Karma does best. |
| Spending reports | NerdWallet app | Free spending reports with category breakdowns and monthly trends. |
| Goals (savings targets) | Goodbudget / Empower | Goodbudget for spending-based goals. Empower for investment and retirement goals. |
| Split transactions | No free equivalent | No free app currently offers transaction splitting. YNAB (paid) handles this well. |
The Closest Thing to Mint in 2026
No single free app replicates everything Mint did. The most practical free approach uses two or three apps:
Bank sync, credit score, basic spending tracking. Handles the passive monitoring Mint did well.
Budget creation with category limits. Replaces Mint's budgeting features that Credit Karma lacks.
Add this if investment tracking matters. Better than Mint ever was for portfolio analysis.
If You Are Willing to Pay
These paid apps come closest to replicating Mint in a single app:
Most direct Mint successor. Modern design, collaborative budgeting, investment tracking, detailed reports. 7-day trial.
Best value paid option. Spending plan, bank sync, bill tracking, investment tracking. 30-day trial.
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