Mint Shut Down. Here's What to Use Instead (Free)
Mint closed in January 2024. Millions of users needed an alternative. Here's the honest breakdown of your free options.
Mint shut down on January 1, 2024. If you're still looking for a replacement, here's the honest breakdown.
What Mint did well: - Free bill tracking - Subscription detection via bank sync - Spending categories - Budget alerts
What people hated about Mint: - Intuit acquired it and let it rot - Constant upsells to Credit Karma - Bank sync that broke constantly - Privacy concerns around sharing bank credentials
Your free options today:
RenewalMate — manual entry is free forever, no bank sync required (optional Plaid bank sync available on the paid Plus tier). Best for people who want to track subscriptions and recurring bills without sharing bank login credentials by default.
LowerMySubs — free, focused specifically on subscriptions, has guides for canceling 50+ services.
PocketGuard free tier — very limited, but tracks subscriptions if you connect a bank account.
The paid options (if you want full budgeting): - Monarch Money ($14.99/mo) — closest full replacement to Mint - YNAB ($14.99/mo) — zero-based budgeting, steeper learning curve - Simplifi ($6.99/mo) — from Quicken, cheaper
The honest take: If you just want to see your subscriptions and bills in one place without paying or sharing your bank login, RenewalMate is the move. If you want a full financial operating system with investment tracking, Monarch is worth the $15/month. Nothing else in the free category matches what Mint was at its peak.