Mint shut down in January 2024. Here are the best apps that replace it — what each does differently, and which is right for your financial style.
When Intuit shut down Mint on January 1, 2024, it left over 3 million 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
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 | Free | $14.99/mo | $14.99/mo | Free | Free tool |
| AI Financial Agent | ✓ | ✗ | ✗ | ✗ | ✗ |
| Bank Sync | ✗ | ✓ | ✓ | ✗ | ✓ |
| Budgeting | ✗ | ✓ | ✓ | ✗ | ✗ |
| Net Worth | ✓ | ✓ | ✗ | ✗ | ✓ |
| Retirement Planning | ✓ | ✗ | ✗ | ✗ | ✓ |
| Free Calculators | 12+ | ✗ | ✗ | ✗ | ✗ |
| No Ads | ✓ | ✓ | ✓ | ✗ | ✗ |
Mint tracked your spending. Richify plans your future. Felix connects your 401(k), IRA, HSA, and investments into one AI-powered financial plan. Free, no ads.
Download Richify — FreeIntuit shut down Mint on January 1, 2024, after 17 years of operation. 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.
Yes — Richify is free to download and core features (AI chat with Felix, net worth tracking, goal setting, all calculators) are available at no cost on iOS and Android. Premium plans unlock additional AI agent specialists. Unlike Mint, Richify does not show ads or sell your data.
Intuit shut down Mint on January 1, 2024, after 17 years of operation. 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.
Yes — Richify is free to download and core features (AI chat with Felix, net worth tracking, goal setting, all calculators) are available at no cost on iOS and Android. Premium plans unlock additional AI agent specialists. Unlike Mint, Richify does not show ads or sell your data.