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- Intuit is shutting down Mint on January 1 and is telling users to move to Credit Karma.
- Some Mint features are set to be moved to Credit Karma, but not monthly budgets.
- If you prioritize a budgeting app with monthly-budgeting tools, here are seven alternative options.
Intuit has announced it will shut down the personal finance app Mint on January 1, 2024. Intuit is asking Mint users to move to Credit Karma, one of the company's other personal-finance platforms.
According to an FAQ section on the Intuit website, some Mint features are moving to Credit Karma. For example, it says Mint users will still be able to view their bank accounts, transaction history, spending, cash flow, and net worth. Credit Karma isn't set to let you make monthly budgets or category budgets, though.
If you've been using the Mint app for its budgeting features, you'll have to consider other options.
Quicken Simplifi - A Mint Alternative
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Icon of check mark inside a promo stamp It indicates a confirmed selection. PerksFees
$3.99 monthly subscription or $47.88 annual subscription
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
N/A
one year free
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Connect all your bank accounts, investments accounts, and credit cards
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Help you save for individual savings goals
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Create a budget
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Track expenses
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. 30-day money-back guarantee
- con icon Two crossed lines that form an 'X'. Must buy a subscription (no free option)
- New customers get a full year free when you import your Mint data within 3 months of sign-up date
- Stay on top of your finances in under 5 minutes per week.
- Check your custom budgeting plan — anytime, anywhere!
- Track your spending
- See where your money is going and discover places to save.
- Keep your bills in check
- Find subscriptions you don't use and start saving from day one.
Here are seven of the best budgeting apps to explore if you prioritize an app that lets you make a monthly or categorized budget.
Honeydue App
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Budgeting app for couples
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can have individual and shared finances
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Create monthly bill reminders
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Can discuss finances through chat feature
- con icon Two crossed lines that form an 'X'. Only available through mobile app
Honeydue is featured in our best budgeting apps guide as the best option for couples. It's a great option if you don't want to pay a fee. It also allows you to have individual and shared finances.
Honeydue is a personal-finance app for couples. It lets you create a monthly budget by linking credit cards, loans, investments, and bank accounts. Couples choose what they share and can create a joint budget.
Honeydue is free to use. The mobile app is rated 4.5 out of 5 stars in the Apple store and 3.3 out of 5 stars in the Google Play store.
Monarch Money
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Icon of check mark inside a promo stamp It indicates a confirmed selection. PerksFees
Premium Plan with a 7-day free-trial, then $14.99 per month or $99.99 annually
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Link bank accounts
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Create unlimited budgets and make customizable categories
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Track individual savings goals
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Graphs and charts that track your spending and savings
- con icon Two crossed lines that form an 'X'. No free plan
Monarch Money is an overall solid option if you prioritize creating monthly budgets and saving for individual savings goals. The main downside of the app is that it doesn't offer a free plan. You'll have to a monthly or annual subscription fee.
Monarch Money lets you create a customizable budget, meaning you can create your own categories to track your spending for certain areas.
The mobile app has a monthly or annual plan. The monthly plan costs $14.99 a month. The annual plan is $99.99 a year, which breaks down to about $8.33 a month.
Monarch Money has 4.8 out of 5 stars in the Apple store and 4.6 stars out of 5 in the Google Play store.
PocketGuard App
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Fees
Free Plan is $0; PocketGuard Plus has a monthly plan ($7.99 per month), an annual plan ($34.99 per year), and a lifetime plan ($79.99)
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Create a monthly budget
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Track bill payments
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Save for individual savings goals
- con icon Two crossed lines that form an 'X'. Free plan has limited features
Pocketguard may be worthwhile if you want a budgeting app with standard features. You can create a monthly budget, track bill payments, and save for individual savings goals. The free plan has limited features though, and PocketGuard Plus requires a subscription fee.
Product Details- Free plan and premium plan available
- PocketGuard Plus has a monthly plan ($7.99 per month), an annual plan ($34.99 per year), and a lifetime plan ($79.99)
PocketGuard allows you to make a monthly budget through the free or premium plan (called PocketGuard Plus). PocketGuard Plus lets you make customizable budget categories and unlimited budgets — for example, a personal budget, a business budget, and a couples' budget.
The free plan is $0, while PocketGuard Plus has monthly, annual, and lifetime plans. The monthly plan is $7.99 a month, and the annual plan is $34.99 a year (which ends up being just under $3 a month). The lifetime plan is $79.99.
The app is rated 4.7 out of 5 stars in the Apple store and 3.7 out of 5 stars in the Google Play store.
4. Quicken Simplifi
Quicken Simplifi - A Mint Alternative
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Icon of check mark inside a promo stamp It indicates a confirmed selection. PerksFees
$3.99 monthly subscription or $47.88 annual subscription
Annual Percentage Yield (APY)
N/A
Minimum Deposit Amount
N/A
one year free
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Connect all your bank accounts, investments accounts, and credit cards
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Help you save for individual savings goals
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Create a budget
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Track expenses
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. 30-day money-back guarantee
- con icon Two crossed lines that form an 'X'. Must buy a subscription (no free option)
- New customers get a full year free when you import your Mint data within 3 months of sign-up date
- Stay on top of your finances in under 5 minutes per week.
- Check your custom budgeting plan — anytime, anywhere!
- Track your spending
- See where your money is going and discover places to save.
- Keep your bills in check
- Find subscriptions you don't use and start saving from day one.
Quicken Simplifi has budgets with customizable categories. The platform also analyzes your spending and savings through charts and can generate monthly reports for your spending, general income, income after expenses, savings, and net worth.
Quicken Simplifi has received 4.1 out of 5 stars in the Apple store and 2.8 out of 5 stars in the Google Play store.
Rocket Money
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Fees
Free to create a budget. Subscription fee applies to premium services.
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Connect all your bank accounts, credit cards, and investment accounts to track spending
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Create a budget
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Bill negotiation feature
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free plan available
- con icon Two crossed lines that form an 'X'. Limited features available with free plan
- con icon Two crossed lines that form an 'X'. Limited customer support availability
Rocket Money has free and premium plans that allow you to make a monthly budget. The free plan lets you create a monthly budget using select categories. If you get the premium plan, you can make unlimited budgets. The premium plan also allows you to make customized budgeting categories.
The free plan costs $0. Meanwhile, the premium plan has a 7-day free trial. After that, you'll pay what you think is fair through a sliding scale that has price points from about $4 a month to $12 a month. If you select the $4 and $5 monthly plans, you'll be billed annually instead of monthly.
Rocket Money is rated 4.3 out of 5 stars in the Apple store and 4.4 out of 5 stars in the Google Play store.
YNAB App
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Fees
34-day free trial; Then $14.99 per month or $99 per year
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Link bank accounts
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Create a budget
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available on computer, phone, or tablet
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reports for spending and net worth
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Track individual savings goals
- con icon Two crossed lines that form an 'X'. No free plan
YNAB may be a good option if you are interested in using the zero-sum budget strategy. It also may be worthwhile if you want to use a platform that's available through a computer, phone, or tablet. You'll want to consider other options if you do not want to pay a subscription fee, though.
YNAB helps you create a category budget through its four-rule method.
With the first rule, you'll implement a zero-sum budget, which means you'll assign every dollar you earn a purpose. The second rule requires you to factor in non-monthly expenses, such as holiday shopping or car maintenance. The third rule reminds you to be flexible with your monthly budget and make adjustments if you see that you're overspending in a certain category. The fourth rule encourages you to age your money. Essentially, the last rule points out that once you've focused on mastering the first three rules, you'll know where your money is going and spend less than you earn.
Ultimately, the four rules make sure you think about where all your money is going and how to adjust for your future savings.
YNAB can be used on the computer or through the mobile app. It costs $14.99 a month or $99 annually, which comes to about $8.25 monthly.
The app is rated 4.8 out of 5 stars in the Apple store and 4.6 out of 5 stars in the Google Play store.
Zeta
Insider’s Rating A five pointed star A five pointed star A five pointed star A five pointed star A five pointed star Fees
Free plan is $0; Zeta+ is $6.99 per month
Pros- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Free plan available
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. App for couples and families
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Joint bank accounts
- Check mark icon A check mark. It indicates a confirmation of your intended interaction. Create a budget with the envelope method
- con icon Two crossed lines that form an 'X'. Limited mobile app ratings
You might like the Zeta personal finance app if you want to organize finances with a child, partner, or other family members. It also may be a decent option if you find the envelope budgeting method appealing, or want to open a joint bank account. That said, Zeta has limited mobile app ratings.
Zeta is another personal-finance app for couples and families. Zeta has joint bank accounts and uses the envelope budgeting method, which means you put a set amount of money into specific categories. Each month, you'll spend what you have for that category.
Zeta has a free plan and a premium plan called Zeta+. Zeta+ can be used by families or people who want to automate their banking. The free plan costs $0. Zeta+ costs $6.99 a month.
The mobile app is rated 4.6 out of 5 stars in the Apple store and 4.2 out of 5 stars in the Google Play store.
Sophia Acevedo, CEPF
Banking Reporter
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