Mint shut down. Here's what to actually use instead.

Intuit shut Mint down on March 23, 2024, folded the team into Credit Karma, and told existing users to move their data there. If you did that and felt like you had lost something, you were right to feel that way — Credit Karma tracks your net worth and your credit, but it does not build a monthly budget, and it does not categorize spending against one. It replaced the company. It did not replace the app.

Two years on, people are still searching for what to use instead, because Mint did three things at once and most of what replaced it only does one or two: it synced your accounts automatically, it categorized what you spent, and it gave you a budget to check that against. Worth breaking those apart before picking anything, because the honest answer depends on which one you actually cared about.

If what you miss is automatic tracking and net worth

Monarch Money is the closest thing to Mint continuing to exist. It syncs every account, tracks net worth, and is built with real depth for households managing money together. It has no free tier — $14.99 a month or $99.99 a year, with roughly a week free to try it — which is the one thing Mint users have to get used to: the free-and-ad-supported model Mint ran on is largely gone from this category. Quicken Simplifi is the other name that comes up constantly for the same reason, at a lower price point.

If you want automatic sync and do not want to pay

PocketGuard is the one genuinely free app with automatic bank syncing, built around a single number — what is actually left to spend after bills and goals — rather than a full category breakdown. It trades depth for simplicity on purpose.

If you would rather type it in and actually notice your spending

Goodbudget runs the classic envelope method by hand, free, with no bank connection at all on its free tier. Manual entry sounds like a downgrade from what Mint did automatically, and for some people it is the opposite — you notice a $6 coffee when you type it in. You stop noticing it once a bank feed quietly logs it for you.

If your actual complaint about Mint was the calendar, not the sync

This is where The Budget Calendar fits, and it is a genuinely different complaint than the ones above. Mint told you a pie chart of what you spent last month. It never told you whether you would still have money on a specific day this month — before Tuesday’s rent and Thursday’s car payment both clear ahead of Friday’s paycheck.

The planner — the calendar, paychecks, bills, debt payoff planning — is free, permanently, with manual entry. Premium adds automatic bank sync at $9.99 a month or $99 a year, plus matching real charges to the bills you planned and a debt snowball with actual payoff dates, which is closer to what people wanted from Mint’s bill tracking than its spending charts ever were.

The honest short version

• Credit Karma is not a Mint replacement. It never built a budget.
• Want automatic sync and real depth: Monarch Money or Quicken Simplifi, both paid.
• Want automatic sync for free: PocketGuard.
• Want to notice spending by typing it in, no bank connection: Goodbudget.
• Want to see a specific day before it goes negative, not a monthly summary after the fact: that is what a calendar does, and it is the whole point of this one.