Mint shut down on 23 March 2024. Here are the 6 best apps that replace it for Canadians — CRA-aware, TFSA-aware, and where it counts, Canadian-built.
When Intuit shut Mint down on 23 March 2024 — the closure was announced for 1 January 2024, then extended — Canadian Mint users were not migrated to a replacement (Credit Karma works differently in Canada). The real Mint alternatives for Canadians fall into three categories:
💰 CA-Built Fintech
Wealthsimple Cash, KOHO, Mogo — Canadian-built spending + savings
🤖 AI Planning
Richify — RRSP/TFSA/CPP/OAS-aware AI financial planning
🌎 US Apps in CA
Monarch, YNAB — work in CA but bill in USD and ignore RRSP/TFSA
AI Financial Planning
Best for: Canadians who want AI-powered financial planning, RRSP/TFSA optimisation, CPP/OAS projections, and net worth tracking — not transaction-level budgeting.
✓ Strengths
✗ Limitations
Spending & Savings
Best for: Canadians who want a banking-meets-budgeting experience integrated with Wealthsimple Invest and Wealthsimple Trade.
✓ Strengths
✗ Limitations
Spending + Savings
Best for: Canadians who want a single prepaid Mastercard + budgeting + earned-wage access in one CA-native app.
✓ Strengths
✗ Limitations
Budgeting & Net Worth (US-built, works in CA)
Best for: Ex-Mint users in Canada who want the closest 1:1 replacement with multi-account sync, budgeting, and net worth tracking.
✓ Strengths
✗ Limitations
Zero-Based Budgeting (US-built, works in CA)
Best for: Canadians who want strict, proactive budgeting using the envelope method.
✓ Strengths
✗ Limitations
Credit Monitoring + Crypto
Best for: Canadians who want free credit-score monitoring with optional credit-building products.
✓ Strengths
✗ Limitations
| Feature | Richify | Wealthsimple | KOHO | Monarch | YNAB | Mogo |
|---|---|---|---|---|---|---|
| Price (CAD) | Free | Free | Free* | ~$20/mo | ~$20/mo | Free |
| Canadian-built | ✓ | ✓ | ✓ | ✗ | ✗ | ✓ |
| RRSP / TFSA modelling | ✓ | Partial | ✗ | ✗ | ✗ | ✗ |
| FHSA support | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| CPP / OAS projections | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| OAS clawback warnings | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| AI financial agents | ✓ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Bank sync (CA banks) | ✗ | Internal only | Internal only | ✓ | ✓ | Internal only |
| Spending tracker | ✗ | ✓ | ✓ | ✓ | ✓ | ✗ |
| Bill in CAD | ✓ | ✓ | ✓ | USD | USD | ✓ |
* Free tier with optional paid premium plans.
Mint tracked your spending. Richify plans your future. Connect your RRSP, TFSA, FHSA, and CPP into one AI-powered Canadian financial plan. Free, CAD-billed, no ads.
Download Richify — FreeYes — Mint was available to Canadians and supported many major Canadian banks via Yodlee. Intuit shut Mint down on 23 March 2024 globally, including for Canadian users. The closure was originally announced for 1 January 2024 and then extended to 23 March 2024 to give users longer to export their data. Canadian Mint users were not automatically migrated to a replacement; Credit Karma (where US users went) has limited budgeting features and operates differently in Canada.
It depends on what you used Mint for. For transaction-level budgeting with bank sync, Monarch Money is the closest 1:1 replacement (Canadian banks supported via Plaid). For a Canadian-built spending tracker, Wealthsimple Cash and KOHO are the top free options. For zero-based budgeting, YNAB. For AI-powered financial planning with full RRSP/TFSA/CPP/OAS modelling, Richify. Most Canadians who used Mint for budgeting end up on Wealthsimple Cash + Monarch or KOHO, with Richify for planning.
Yes — Richify, Wealthsimple Cash, KOHO (free tier), and Mogo are all free. Monarch Money and YNAB are paid (US$14.99/month each). Free options are a real downgrade from Mint only on transaction-level bank-sync budgeting; if that's your use case, Monarch's paid tier is the closest replacement.
Hardbacon ceased operations on 15 August 2024 and filed for bankruptcy. The Montréal-built app paired budgeting with credit-card and brokerage comparison; its founder attributed the collapse to a roughly 97% fall in Google search traffic from September 2023, which gutted the affiliate revenue the free app relied on. Hardbacon's assets, including the hardbacon.ca domain, were later bought out of bankruptcy by Plutera Capital, so the website still publishes comparison content — but the app itself is discontinued and is not a Mint alternative you can sign up for. For product comparison, Ratehub and Milesopedia are the closest Canadian equivalents; for budgeting, KOHO and Wealthsimple; for investment aggregation, Wealthica.
Yes. Richify is the only app in this list with native RRSP, TFSA, FHSA, RRIF, CPP enhancement, and OAS clawback calculators using current 2026 figures. Contribution-room tracking, TFSA cumulative limit ($109,000 in 2026 for anyone 18+ since 2009), and FHSA $8,000/yr and $40,000 lifetime limits are all built in. Richify does not sync to your bank — you enter the data manually for privacy.
Yes, both Monarch Money and YNAB connect to major Canadian banks (RBC, TD, BMO, Scotia, CIBC, Tangerine, Simplii, Wealthsimple) via Plaid. However, both charge in USD only — there's no CAD billing option. Both are designed around the US tax framework, so RRSP, TFSA, and FHSA accounts are not modelled as registered (they're treated as taxable accounts, which understates your real after-tax position).
Bank-sync apps (Monarch, YNAB, Wealthsimple Cash, Mogo) use Plaid or a similar aggregator, which uses read-only credentials and is generally considered safe. However, your bank's terms of service may technically prohibit credential sharing with third parties, which can void deposit insurance protections in case of fraud. Privacy-first options like Richify avoid the issue entirely by not asking for bank credentials.
Free Canadian credit score apps include Borrowell (Equifax), Credit Karma Canada (TransUnion), and Mogo (Equifax). All three are free and update monthly. Borrowell and Credit Karma Canada are the most popular and don't bundle credit-building loans. None of them are budgeting tools — pair one of them with a budgeting app from this list for Mint's full feature set.
