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Mint shut down on March 23, 2024. Here are the best apps that replace it — what each does differently, and which is right for your financial style.
Last updated: July 2026
Quick Answer
The closest 1:1 Mint replacement is Monarch Money — built partly by ex-Mint staff, with bank sync, budgeting and net worth in one paid app. Pick by what you need:
Richify is a financial-education app — AI coaching and planning tools, not licensed advice. See also best AI personal finance apps.
When Intuit shut down Mint on March 23, 2024, it left millions of users without a budgeting tool. Credit Karma — where Intuit migrated users — is a credit monitoring app, not a Mint replacement. The real Mint alternatives fall into three categories:
💰 Budgeting Apps
Monarch Money, YNAB, Copilot — replace Mint's spending tracker
🤖 AI Planning Apps
Richify — goes beyond Mint with AI-powered financial planning
💼 Wealth Platforms
Empower (formerly Personal Capital) — for $100K+ portfolios
How we picked these alternatives
We assessed each app in July 2026 against what former Mint users actually lost, using public pricing and feature information:
Richify is our own app — we say so plainly and score it on the same criteria as the others. We keep this list current: apps that shut down are removed (Mint itself closed March 23, 2024) and rebrands noted (Personal Capital is now Empower). Last reviewed July 2026.
AI Financial Planning
Best for: People who want AI-powered financial planning, net worth tracking, and retirement projections — not transaction-level budgeting
✓ Strengths
✗ Limitations
Budgeting & Net Worth
Best for: Former Mint users who want the closest 1:1 replacement with bank sync, budgeting, and net worth tracking
✓ Strengths
✗ Limitations
Zero-Based Budgeting
Best for: People who want strict, proactive budgeting using the envelope method
✓ Strengths
✗ Limitations
Credit Monitoring
Best for: Free credit score monitoring and credit card recommendations
✓ Strengths
✗ Limitations
Wealth Management
Best for: High-net-worth individuals who want portfolio analysis and access to human financial advisors
✓ Strengths
✗ Limitations
Premium Budgeting
Best for: Apple users who want a modern, well-designed budgeting app
✓ Strengths
✗ Limitations
| Feature | Richify | Monarch | YNAB | Credit Karma | Empower |
|---|---|---|---|---|---|
| Price | 7-day free trial | $14.99/mo | $14.99/mo | Free | Free tool |
| AI Financial Agent | ✓ | ✗ | ✗ | ✗ | ✗ |
| Bank Sync | ✗ | ✓ | ✓ | ✗ | ✓ |
| Budgeting | ✗ | ✓ | ✓ | ✗ | ✗ |
| Net Worth | ✓ | ✓ | ✗ | ✗ | ✓ |
| Retirement Planning | ✓ | ✗ | ✗ | ✗ | ✓ |
| Free Calculators | 12+ | ✗ | ✗ | ✗ | ✗ |
| No Ads | ✓ | ✓ | ✓ | ✗ | ✗ |
| Feature | Richify | Mint |
|---|---|---|
| Still available? | Yes | No — shut down March 2024 |
| Net worth tracking | ✓ | ✓ |
| AI financial agent | ✓ | ✗ |
| Bank linking | Manual entry (privacy-first) | Automatic |
| Transaction budgeting | ✗ | ✓ |
| Credit score | ✗ | Free score |
| Bill reminders | ✗ | ✓ |
| Retirement planning | ✓ | ✗ |
| Price | 7-day free trial | Was free |
Mint column describes the app as it was before Intuit closed it; its users were moved to Credit Karma.
Mint tracked your spending. Richify plans your future. Richify AI connects your 401(k), IRA, HSA, and investments into one AI-powered financial plan. 7-day free trial, no ads.
Download Richify — 7-day free trialIntuit officially shut down Mint on March 23, 2024, after about 17 years of operation. Intuit originally announced a January 1, 2024 closure, then extended the deadline to March 23, 2024 to give users more time to export their data.
Users were migrated to Credit Karma, which focuses on credit monitoring rather than budgeting. Mint's core budgeting, bill tracking, and goal-setting features were not replicated in Credit Karma, leaving millions of former Mint users without an equivalent tool.
Richify fills a different niche than Mint. Where Mint focused on transaction categorization and budgeting, Richify focuses on financial planning and wealth building — tracking your net worth, retirement projections, and providing AI-powered financial education.
If you want transaction-level budgeting, YNAB or Monarch Money are better Mint replacements. If you want big-picture financial planning, Richify is the answer.
No — Richify does not connect to your bank accounts or brokerage accounts. You manually add your own financial information.
This is a privacy-first design choice: your financial data is never shared with Plaid, Yodlee, or any third-party data aggregator. You own your data.
It depends on what you used Mint for. If you mainly categorised transactions and set budgets, Monarch Money or YNAB are the closest replacements because they sync your bank.
If you used Mint to watch your net worth and plan ahead, Richify fits better: you add your assets and debts yourself (no bank linking), see your net worth in one place, and plan retirement with the AI agents.
Richify is free to download on iOS and Android and comes with a 7-day free trial. The app includes AI chat with Felix and the specialist agents, net worth tracking and goal setting, and the US calculators are free to use on richify.ai without the app.
Unlike Mint, Richify does not show ads or sell your data.
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