Mint shut down. How to pick a replacement, including when it should not be us
Mint closed in March 2024 and most replacements now cost around $100 a year. A straight guide to choosing one - what the bank-sync apps do well, and the narrower case where a tracker you fill in yourself, quickly and in every currency, is the better answer.
If what you miss about Mint is the bank feed filling itself in, replace Mint with a bank-sync app such as YNAB, Monarch or Copilot, not with Hundo. Hundo fits if you would rather have quick entries than automatic ones, hold more than one currency, or want one net worth across everything you own: suggestions from your own history fill an entry in one tap, net worth adds up 166 currencies, and the tracker is free forever.
Mint shut down on 23 March 2024. Intuit pointed everyone at Credit Karma, which it also owns, and which cannot budget - it has no budgets and no subscription management, so it was never the same product.
Two and a half years on, the replacement market has settled, and it has settled expensive. Most of the serious options run around $100 a year. YNAB publishes $109 a year or $14.99 a month. Monarch, Copilot, Rocket Money and Quicken Simplifi are all subscriptions in the same neighbourhood.
We make one of these, and ours is not a Mint replacement in the way most people mean. This is a guide to working out which kind you need, and it will send you elsewhere if that is the honest answer.
First question: do you want the bank feed back?Link to this section
This is the whole decision, and almost everything else follows from it.
Mint's defining trick was that it logged into your accounts and filled the ledger in for you. If that is the part you miss - if what you want is to open an app and see last week's spending already categorised, without typing anything - then you want an app with bank sync, and you should stop reading here.
The main ones, all with connected accounts:
- YNAB - $109 a year, 34-day trial, direct import for banks in the US, Canada, UK and EU. Opinionated envelope method; people either love it or bounce off it.
- Monarch - subscription, strong on connectivity, US and Canada.
- Copilot - US institutions only, on iPhone, iPad, Mac and the web, well liked on design.
- Rocket Money - cheaper, leans on subscription cancelling.
- Quicken Simplifi - the usual budget pick on price.
- Empower - free, but investment-focused; it is a net worth and portfolio tool more than a budgeting one, and signing up needs a US phone number.
- Credit Karma - free, and what Intuit actually suggested. No budgeting. Worth knowing before you spend an evening on it.
That is a real market with real products. If bank sync is what you are replacing, one of those is your answer, not us.
Second question: were you actually served by Mint?Link to this section
Here is the part the roundups skip.
Mint was US and Canada. If you are anywhere else, you were never really a Mint user - you were someone who tried Mint, discovered your bank was not supported, and went back to a spreadsheet. The shutdown changed nothing for you, and every "best Mint alternative" list is still recommending products with the same coverage problem.
The aggregators behind these apps cover the same institutions. If your bank is not in Plaid or its equivalents, the entire category above is closed to you, and it will stay closed.
Third question: how did you feel about the ending?Link to this section
Mint was free because you were the product. It ran ads and pushed credit card and loan recommendations, and when it stopped being strategically useful to Intuit it was closed and its users pushed toward another Intuit property.
That is not a scandal. It is just what free means when a company has shareholders and your data has resale value. But it is worth deciding what you want instead:
- A subscription is the honest version of the same deal. You pay, so you are the customer. Around $100 a year buys that.
- Software you host yourself removes the question entirely. Actual Budget is open source, free, and yours - at the cost of running it.
- Something in between is what we tried to build, and it is described below.
When is Hundo the right Mint replacement?Link to this section
Start with what it gives up. Hundo has no bank connection and uses no aggregator, so every entry is one you add.
That is a real cost and we are not going to talk around it. If you want the feed to do the typing, Hundo is the wrong tool and one of the apps above is the right one.
What Hundo is built for is making the entering quick, and making the numbers add up across everything you own:
Your usual entries, one tap away. Open "add transaction" and Hundo already shows the entries you are likely to make, ranked from your own history: a subscription on its usual day, a regular bill, a usual amount. One tap fills the name, the amount, the category and the account. A statement file imports in one pass, and in Pro a receipt photo, a receipt forwarded to your personal receipts address or a sentence to the assistant becomes a draft you confirm.
A balance that stops matching the bank. Instead of checking every line, send the assistant screenshots of your bank's list and ask it to find the missing entry. That is part of Pro, and nothing it drafts is recorded until you confirm it.
You hold more than one currency. Over 160 of them, converted at the rate for the day a transaction happened rather than today's. Accounts, assets and individual budgets can each sit in their own currency while your net worth still reports in the one you think in. This is the part we would defend hardest, and it is where the US-first apps are weakest.
You do not want to start with a subscription. The tracker is free forever and nothing in it is capped - unlimited accounts, transactions, budgets, assets, net worth, reports. Not a trial.
The paid layer is Pro: the AI assistant, connecting your own Claude or ChatGPT to your ledger over MCP, and what your collectibles are worth, counted in your net worth. It is pay what you want, a year is $36 at the minimum and $72 suggested, or a flat $8 monthly if you would rather. Every amount unlocks everything - there is no cheaper tier with features removed.
Why that shape: the honest problem with a $109 subscription is that a budgeting app is most valuable precisely to the people least able to spend $109. Servers and AI inference are not free, so it is not free either, but the number is yours.
Mint vs Hundo at a glanceLink to this section
| Mint | Hundo | |
|---|---|---|
| Available today | No. Its site now says "Mint has been reimagined on Credit Karma" | Yes |
| Price | Free | Tracker free forever, nothing capped. Pro is pay what you want from $36 a year (suggested $72), or $8 a month |
| Bank connection | Yes | None |
| Budgets | Yes | Yes, monthly or weekly per category, each in its own currency |
| Currencies | Not published | 166, and each account, asset and budget keeps its own |
Mint column checked 15 September 2026 against mint.intuit.com, and against its 2023 homepage in the Internet Archive for the product as it was.
The short versionLink to this section
| If you want | Pick |
|---|---|
| The bank feed back, US/Canada/UK/EU | YNAB, Monarch, Copilot, Simplifi |
| Free, and mostly investments | Empower |
| To own the software | Actual Budget |
| Quick entries you make yourself, in every currency | Hundo |
| Your own AI reading your real numbers | Hundo |
Mint's closure was a reminder that a free product with no business model is a product with an end date. Whatever you move to, the useful question is not what it costs today, but who is paying for it and why.
Common questionsLink to this section
When did Mint shut down, and where did Intuit send its users?Link to this section
Mint shut down on 23 March 2024. Intuit pointed Mint users to Credit Karma, which has no budgets and no subscription management.
Which Mint alternative should I pick if I want bank sync?Link to this section
Pick an app with connected accounts, such as YNAB, Monarch, Copilot, Rocket Money or Quicken Simplifi. Hundo has no bank connection, so Hundo is the wrong choice if you want the feed to do the typing.
Does Hundo connect to my bank the way Mint did?Link to this section
No. Hundo does not connect to banks and uses no aggregator, so every entry is one you add, and it keeps that quick: suggestions from your own history fill an entry in one tap, a file imports in one pass, and in Pro a receipt can be photographed, forwarded to a personal receipts address, or drafted by an AI agent and confirmed by you.
Is Hundo free like Mint was?Link to this section
The Hundo tracker is free forever, with nothing capped. The paid layer is Pro, the AI assistant and your collectibles, which is pay what you want from $36 a year, with $72 suggested, or $8 a month.
Prices checked 15 September 2026 against each provider's own pricing page, and they move. Mint shut down 23 March 2024.