The alternatives
Monarch Money
The closest thing to Mint that's still maintained: automatic bank sync, net worth tracking, and household sharing in one subscription. The Core plan is $99.99 a year (or $14.99 month-to-month), with a 7-day trial and no free tier. If you want Mint-but-maintained and don't mind a subscription, start here.
YNAB
Less a Mint replacement than a different philosophy. YNAB connects to your bank but is built around the zero-based method: every dollar gets a job. At $109 a year it costs more than most options here, and it's the best pick if you want to change your behaviour, not just see numbers.
Budjo
Our app, so judge accordingly. Budjo skips bank connections entirely: you type your numbers in and it turns your income, bills and spending plan into one daily number. The free tier covers 1 account, 10 categories, 2 active goals and CSV export, and it works offline. Paid plans run $49 to $99 a year (USD) and import Mint CSV exports. If you want automatic imports and rich reports, Budjo will feel too bare. If you want a 30-second daily check without giving anyone your bank login, that's the whole point of it.
Actual Budget
Free, open source, and local-first envelope budgeting. Your data lives where you run it, and bank sync is optional via bridges like SimpleFIN (US/Canada) and Pluggy.ai (Brazil); GoCardless (EU/UK) still works for existing users but stopped taking new accounts in 2025. It's the most control you can get, in exchange for the most setup. Best for people comfortable self-hosting, or paying a few dollars a month to a host like PikaPods.
PocketSmith
A forecasting-first tool from New Zealand with bank feeds and a calendar view that projects your balances years ahead. There's a free plan with 2 accounts and a 6-month projection; paid tiers run $9.99 to $26.66 a month billed annually. Worth a look if forecasting is the feature you care about most.
Credit Karma
The path of least resistance, since Intuit points Mint users there. It's free and shows your accounts, net worth and spending by category, but it has no real budgeting tools in the Mint sense, and the business model is recommending financial products to you. We left it out of the table below for that reason.
Side by side
| Feature | Budjo | Monarch Money | YNAB | Actual Budget | PocketSmith |
|---|---|---|---|---|---|
| Pricing | Free plan. $49 to $99/yr (USD) on paid plans. | Core $99.99/yr (or $14.99/mo); Plus $199/yr. | $109/yr or $14.99/mo. | Free and open source. Self-hosted, or a few dollars a month at a third-party host like PikaPods. | Free plan, plus tiers from $9.99 to $26.66/mo billed annually. |
| Bank connection | No. Manual entry plus CSV import on paid plans. | Yes, automatic sync. | Yes, automatic sync. | Optional, via bridges: SimpleFIN (US/Canada), Pluggy.ai (Brazil); GoCardless (EU/UK) for existing users. | Yes, bank feeds. |
| Platform support | Runs in the browser on any device. | Web plus mobile apps. | Web plus iOS and Android apps. | Web app, self-hosted or run locally. | Web app, plus iOS and Android apps. |
| Offline support | Works offline; syncs later. | No; built for connected use. | Limited: view and add transactions offline, syncs when you reconnect. | Yes; local-first by design. | No; built for connected use. |
| Data location and privacy | In your browser until you sign in; synced to our servers after (not end-to-end encrypted). No in-app tracking, no AI. | Cloud-hosted; bank data via Plaid, MX and Mastercard Data Connect. | Cloud-hosted; bank data via third-party aggregators such as Plaid. | Yours. It runs wherever you put it. | Cloud-hosted (company based in New Zealand); feeds via Yodlee, Plaid, Salt Edge, Akahu and Basiq. |
| Free tier limits | 1 account, 10 categories, 2 active goals, CSV export, works offline. | No free tier; 7-day trial. | No free tier; 34-day trial. | Free, no tiers. | Free plan: 2 accounts, 12 budgets, 6 months of projection, bank feeds included. |
| Household / sharing | Couple $69/yr (2 adults); Family $99/yr (up to 5). | Household sharing included in one subscription. | YNAB Together: up to six people on one subscription. | Multi-user possible on a self-hosted server (separate accounts). | No household tier; Collaborator access via a separate login. |
Competitor details last checked: June 2026
Who should pick something other than Budjo
- You want transactions to import themselves: pick Monarch Money or YNAB.
- You want full control and do not mind running your own server: pick Actual Budget.
- You want long-range forecasting of your balances: pick PocketSmith.
- You just want a free dashboard and don't mind product offers: Credit Karma exists.
Who should pick Budjo
- Mint's shutdown made you wary of handing your financial life to another aggregator.
- You want something simpler than Mint, not a clone of it: one daily number, checked in about 30 seconds.
- You budget with a partner or family: $69/yr for two adults, $99/yr for up to five people.
- You want your Mint history to come along: paid plans import Mint CSV exports.