The post 11 Best Mint Alternatives for 2024 | Paid & Free Replacements appeared first on Club Thrifty. Tired of dealing with Mint.com? These 14 Mint alternatives provide exceptional money management tools and a better user experience. Check them...

The post 11 Best Mint Alternatives for 2024 | Paid & Free Replacements appeared first on Club Thrifty.

The best Mint.com alternatives combine budgeting software, automatic expense tracking, and more. Find our top free and paid replacements here.

Mint.com is closing its doors.

A pioneer in its time, Mint was one of the few financial programs to offer free features like personal budgets, expense tracking, and bill management. Unfortunately, Mint’s functionality declined over recent years, and Intuit finally announced they would be shutting it down at the end of 2023.

If you’ve been using the program for years, you’ll need to find a replacement for Mint — and you’ll need to do it quickly. Check out our list of the 11 best Mint.com alternatives below!

Our Top Picks: Mint Alternatives

11 Best Alternatives to Mint

Intuit announced they are closing down Mint.com on January 01, 2024. Some of Mint’s features will be available on a different Intuit product, Credit Karma, but it’s safe to say that many features will be lost. Rather than waiting to find out, consider these established programs as a replacement for Mint instead.

1) Empower

Formerly known as Personal Capital, Empower’s free money tools are an excellent alternative to Mint. Here’s a quick list of some of their top features:

Personal dashboard offering a snapshot of your most important financial metrics Excellent retirement calculator Top-notch investment fee analyzer Automatically tracks cashflow and investments Can be used alone or in combination with other programs Track several cryptocurrencies while protecting your wallet Price: Free

We’ve used Empower for years and still believe it’s the best free money app on the market. The retirement calculator and investment fee analyzer are awesome, plus the tools can help you track your cashflow and investments. Simply input a few pieces of data, and you’re good to go!

Empower is effective because it provides an excellent snapshot of your entire financial picture. Whether you’re interested in tracking your spending, monitoring your investments, or watching your net worth grow, Empower sews it all together in one convenient dashboard.

For us, Empower is a must have tool. Even better, it is completely free.

2) Tiller

If you dig spreadsheets, Tiller might be the Mint replacement you’re looking for. Right now, they’re even offering free webinars for former Mint customers who are making the switch!

Here’s what you can expect from Tiller:

Powerful budgeting app that uses Google Sheets or Microsoft Excel Use premade budget templates or build your own Connects to more than 20,000 financial institutions Automatically imports transactions from your bank, credit card, brokerage, and mortgage accounts Auto-categorization feature helps sort transactions into categories Includes tools for freelancers and small business owners Everything is customizable No ads 30-day free trial Price: $6.58/month

So, how does Tiller work?

The “Foundation Template” is Tiller’s out-of-the-box solution to your budgeting and financial tracking needs. Create personalized budgets, track spending and balances, and get an “at-a-glance” view of your complete financial standing.

Those who enjoy building their own budget template can do so, while customers with specific goals will find what they need from Tiller Money Labs or add-ons. Targeted spreadsheets for tackling debt, starting a zero-sum budget, and tracking net worth are just some of the popular options available.

You can try Tiller free for the first 30 days. After that, it’s $79 per year, which works out to be less than $7 per month. And get this: Students get it free for a whole year.

3) Quicken

Of all the programs on this list, Quicken is the granddaddy of the bunch. Still, it may be the most complete Mint replacement and could be a great fit for you, depending on your needs.

Here are some of its top features:

Desktop software Available for Windows or Mac Balance accounts Create a budget Tracks tax information Simplifi mobile app now available Price: Plans range from $47.88-$119.88/year

Many people still find Quicken to be the most powerful personal finance software available. It’s a good spot to balance your accounts, keep track of your tax obligations, and more. You can also download this software to your computer, although they now back up your information in the cloud as well.

Unfortunately, many people have started searching for alternatives to Quicken, citing a variety of reasons they’re leaving the software giant. In fact, Intuit itself actually dropped Quicken before picking up the rights to Mint…so, there’s that.

Quicken finally joined the 21st century when they recently unveiled their Simplifi mobile app. That is great news, but Quicken is still primarily a desktop app. If that is what you’re looking for, Quicken could be a solid replacement for Mint!

4) PocketSmith

All of our favorite Mint alternatives bring a strong budgeting game, and PocketSmith is no different. Here are some reasons PocketSmith deserves your consideration:

Excellent budgeting app Excels with financial forecasting “What If” scenario tester Track bills and expenses on calendar Easy to understand net worth calculations Free version available Price: Plans range from free to $39.95/month

This software’s strength lies in its financial forecasting.

PocketSmith will forecast your finances for the next 60 years based on your existing data and trends. One of my favorite features is the “what if” scenario tester. What would happen to your financial picture if you spent a year abroad or went back to school? This feature will show you.

PocketSmith also breaks down your net worth in clear, easy to understand language. Breaking it down into categories like “What You Own” and “What You Owe” is brilliant. It reminds you that, even if you own assets totaling $500,000, you are not worth that much if you are drowning in credit card debt.

There is a free version of PocketSmith, but it is fairly limited. The “Foundation Plan” is $14.95 a month (or $9.99/month when paid annually), and you can only pull from 6 connected banks and get a 10-year financial forecast. The “Flourish Plan” is the most popular. For $24.95 per month ($16.66/month when paid annually), you get 18 connected banks and 30 years of projections. If you want to get the whole shebang, including the 60-year forecast, be prepared to pay $39.95 a month (or $26.66/month when paid annually).

5) YNAB

You Need a Budget, also known as YNAB, has made some great improvements over the last few years — particularly when it comes to automation. Here are some of the program’s top features:

Excellent budgeting software Encourages using a zero-based budget Enter transactions manually or automatically sync with accounts Focus on goal setting and monthly expense planning No ads or third-party popups 100% money-back guarantee 34-day free trial Price: $14.99/month or $8.25/month when billed annually

While you can still enter or correct transactions manually, this Mint alternative now offers bank synchronization and mobile app usage. This is a huge step forward and a sign that they are listening to what their customers want.

Since the program focuses on goal setting, saving for big expenses, and anticipating more expensive months, YNAB is a good choice for individuals who are trying to improve their money habits. This is also a good way to implement a zero-sum budget – i.e. a budget where every dollar has a job and no money is wasted.

Unlike Mint, YNAB has useful money resources and webinars that don’t have a hidden agenda. They also have two different payment options to fit your needs: The regular monthly price is $14.99, but you can reduce that to $8.25 a month ($99/year) if you choose to be billed annually.

If you aren’t satisfied with their software, YNAB also offers a 100% money-back guarantee. You can also try before you buy with their free 34-day trial.

6) EveryDollar

If you are a Dave Ramsey follower, then you will probably like using his budgeting app EveryDollar.

The free version of this program doesn’t come with all bells and whistles that many of the other apps provide. However, the software is pretty straightforward and a solid option for those needing a good budgeting app.

Unlike the other Mint alternatives, EveryDollar has a special feature dedicated to Ramsey’s famous “Baby Steps.” This is perfect for those who are new to budgeting, helping you stay on track with your financial goals by integrating them into your budget.

While EveryDollar is one of the best alternatives to Mint, if you want to sync the app with your bank accounts, you’ll need to purchase the Ramsey+ premium version. You try EveryDollar free for 14 days. After that, it costs $17.99/month (or $79.99/year) to subscribe.

7) CountAbout

Need more Mint alternatives to consider? CountAbout was created as a direct solution for users growing weary of both Mint and Quicken.

The web-based personal finance software allows users to import data from Quicken and Mint, as well as automatically sync transactions from your bank accounts. Also, consider these features:

Works with both iOS and Android Import data from either Quicken or Mint Sync data from your financial accounts (Premium members only) Create and send invoices 100% money-back guarantee Price: Basic – $9.99/year; Premium – $39.99/year

CountAbout works with both iOS and Android platforms, allowing you to access your budget from anywhere with an internet connection. The basic membership costs just $9.99 a year, while a premium membership is $39.99 per year. (Keep in mind that a premium membership is required if you want to sync your financial accounts.)

Small business owners like that they can use the program to create and send invoices. It’s also important to note, while you can import information from your investment accounts, the app itself does not offer any investment or future financial planning tools or advice.

CountAbout is nice if you already have an established Mint or Quicken account but are fed up with using those platforms. They also offer a 100% money-back guarantee.

8) Moneydance

Moneydance is easily one of the best alternatives to Mint. It offers a clean interface offering similar functionality to Mint without any bloat or clumsiness.

The most appealing feature of Moneydance is that it has an open API, which means that – if you are a developer or tech savvy – you can develop extensions for your Moneydance platform using a free, downloadable Extension Developer’s Kit.

As an added bonus, you can budget, pay bills, and track investments with the app. Not only does Moneydance offer free bill pay, but you can also set bill reminders so that you never miss a payment. You can connect to all of your financial accounts and even import your information from some other programs.

Moneydance costs $65.00 to download, but you can try it free for your first 100 transactions. You can also subscribe for $9.00/month or $90/year.

9) Banktivity

Banktivity claims their users save an average of $500 a year and 40 hours of time. That’s definitely not something to shake a stick at.

Where Banktivity shines brightest is their bill pay options and debt management tools. While most online banks also have bill pay, one of Banktivity’s best features is that it allows users to pay bills from more than one bank account. Bills can also be integrated, so you don’t have to hunt down your monthly utility bills.

Unfortunately, Banktivity is only for Mac users, but it is a helpful tool for individuals who want to customize their budget. For instance, if you want to pay your mortgage from “Bank Account A” and your child’s tuition bill from “Bank Account B,” you can do that with Banktivity.

The software also allows users to get granular with their categories by using customizable tags. So, if you want to break down your vacation fund by food costs, transportation expenses, and activities, this feature is super useful.

Try Banktivity free for 30 days. After that, plans range from $49.99 to $99.99 per year when you pay annually.

10) MoneyPatrol

MoneyPatrol is an advanced personal finance monitoring, budgeting, and money management tool — making it a good alternative to Mint. Here is what you get:

Create weekly and monthly budgets Automatically imports information from accounts Monitor bank accounts, credit cards, loans, etc. Offers bill reminders Includes financial reports 15-day free trial Price: Plans range from free to $6.99/month (billed annually)

Like other alternatives to Mint, MoneyPatrol offers the ability to connect your accounts directly to the program. From there, you can monitor your checking account, savings account, credit cards, loans, and more.

You can also create weekly and monthly budgets while monitoring the spending on your accounts. The program also allows you to run important financial reports, monitor your cash flow, get bill reminders, and more.

According to MoneyPatrol, their users are reporting an average positive impact of $5,000 per year. That’s a pretty good stash of cash going back into your pocket.

MoneyPatrol is free for the first 15 days. After that, it normally costs up to $6.66/month when billed annually.

11) Goodbudget

When it comes to great budgeting techniques, the envelope system has helped many people successfully get a handle on their finances. But, who in their right mind wants to carry around a set of envelopes with cash inside them? That’s where Goodbudget comes in.

Goodbudget is a digital version of the envelope system. It helps users create envelopes for monthly and future spending categories like Christmas shopping or family vacations.

The app’s free version provides access to 10 regular envelopes and 10 additional envelopes. With the free version, you can only access 1 account and 2 devices. The “Plus Plan” solves these nuances for just $8 per month or $70 per year.

This app is the tactile budget system some individuals need, especially if they love the idea of using an envelope system. Unfortunately, the apps biggest drawback is that it doesn’t offer bank synchronization. You can still upload bank statements manually, though.

Mint Alternatives FAQs

Best Mint Alternatives: Final Thoughts

We hope you’ve enjoyed this list of the best Mint.com alternatives. Since many of these programs are free, we recommend trying several of them before deciding on the best fit.

By finding the app that suits your needs and personality, you’re more likely to use it consistently. And, the more you pay attention to your finances, the better off they’ll be.

Good luck and thanks for reading!

The post 11 Best Mint Alternatives for 2024 | Paid & Free Replacements appeared first on Club Thrifty.

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