Mint Shutdown: 7 Best Free Alternatives in 2025

On March 23, 2024, Intuit shut down Mint—the beloved free budget app that served over 20 million users. After nearly two decades of helping people track spending, create budgets, and monitor their finances, Mint became just another casualty of corporate consolidation.

If you're one of the millions suddenly looking for a Mint replacement, you're not alone. The good news? Several excellent free alternatives have emerged, each with unique strengths. Some offer better bill tracking, others excel at budgeting, and a few provide features Mint never had.

In this comprehensive guide, we'll compare the 7 best free Mint alternatives in 2025, helping you find the perfect app for your financial needs.

Why Mint Shut Down: What Happened

Mint launched in 2007 as a revolutionary free personal finance tool. It pioneered automatic bank syncing, beautiful financial dashboards, and zero-cost budgeting tools. Intuit acquired Mint in 2009 for $170 million and grew it into one of the most popular finance apps in America.

So why did they shut it down?

• Pushing Credit Karma: After acquiring Credit Karma for $7.1 billion in 2020, Intuit wanted users on their higher-revenue platform
• Monetization challenges: Mint was free, generating revenue only through affiliate offers. This model became less profitable
• Maintenance costs: Supporting millions of bank connections and keeping security up-to-date was expensive
• Strategic shift: Intuit refocused on paid products like QuickBooks and TurboTax

Intuit encouraged Mint users to migrate to Credit Karma, but many found Credit Karma's tools less comprehensive. This created a massive opportunity for alternative apps.

What Former Mint Users Need in an Alternative

Based on surveys of former Mint users, these are the must-have features people are looking for:

Core Requirements

• Free tier: At least basic features without subscription required
• Bill tracking: Track recurring bills and payment due dates
• Budget management: Create and monitor monthly budgets by category
• Transaction tracking: See where money is going automatically
• Account overview: Dashboard showing all accounts in one place
• Mobile app: iOS and Android apps for on-the-go tracking

Nice-to-Have Features

• Net worth tracking over time
• Investment tracking and portfolio analysis
• Credit score monitoring
• Goal setting and tracking
• Custom categories and rules
• Export capabilities for record-keeping

Now let's see how the top alternatives stack up.

Top 7 Free Mint Alternatives Compared

1. TrackMyWorth - Best for Bill Tracking + Comprehensive Free Tier

Pricing: Free forever for bill tracking | Premium: $4.99/month or $39.99/year

What makes it special: While most Mint alternatives force you into paid plans for basic features, TrackMyWorth offers unlimited bill tracking completely free. It's the perfect choice if you primarily used Mint to track bills and want a modern, mobile-first experience.

Key Features:

• ✅ Up to 5 bills tracking (free forever)
• ✅ Smart reminder notifications before due dates
• ✅ Category-based bill organization
• ✅ Payment history and trends
• ✅ Beautiful mobile-first interface with dark mode
• ✅ Budget management (track vs. actual)
• ✅ Net worth tracking
• ✅ Financial goal setting and monitoring
• ✅ No ads, no credit card required for free tier

What's Premium?

• Automatic bank syncing (manual entry is free)
• Unlimited budgets and goals
• Advanced analytics and reports
• Data export (CSV)
• Priority support

Pros:

• Most generous free tier for bill tracking
• Modern, intuitive mobile interface
• No pressure to upgrade—free tier is fully functional
• Privacy-focused (no selling data to advertisers)
• Active development with new features added regularly

Cons:

• Newer app (less established than competitors)
• Manual entry required on free tier (automatic syncing is premium)
• Smaller user community compared to older apps

Best for: Anyone who primarily needs bill tracking and wants a genuinely free solution with room to grow. Perfect for budget-conscious users tired of subscription fatigue.

Mint comparison: TrackMyWorth focuses on doing a few things exceptionally well rather than everything adequately. If you mainly used Mint for bill reminders and basic budgeting, TrackMyWorth offers a simpler, cleaner experience.

Try TrackMyWorth free - No credit card required. Start tracking bills in under 60 seconds.

2. Empower (formerly Personal Capital) - Best for Investment Tracking

Pricing: Free | Wealth management services start at $25K minimum

What makes it special: If you used Mint to track investments and net worth, Empower is the gold standard. It offers institutional-grade portfolio analysis tools completely free.

Key Features:

• ✅ Comprehensive investment tracking and analysis
• ✅ Net worth tracking with historical charts
• ✅ Retirement planning tools (fee analyzer, retirement planner)
• ✅ Cash flow and spending tracking
• ✅ Investment checkup and asset allocation analysis
• ✅ 401(k) fee analyzer
• ✅ Free financial advisor consultations

Pros:

• Best-in-class investment tools
• Completely free (no premium tier to upsell)
• Excellent desktop interface
• Strong security and encryption
• Comprehensive net worth tracking

Cons:

• Budgeting tools are basic
• Bill tracking is minimal
• Heavy focus on investments (overwhelming if you don't invest much)
• Frequent prompts to use wealth management services
• Mobile app less polished than desktop

Best for: Investors with $25,000+ in investment accounts who want detailed portfolio analysis and retirement planning tools.

Mint comparison: Empower beats Mint for investment tracking but falls short on basic budgeting and bill management.

3. PocketGuard - Best for Simplified Budgeting

Pricing: Free (limited) | PocketGuard Plus: $12.99/month or $74.99/year

What makes it special: PocketGuard's "In My Pocket" feature shows exactly how much you can safely spend after accounting for bills, goals, and savings. It's budgeting distilled to its simplest form.

Key Features:

• ✅ "In My Pocket" spending calculator
• ✅ Automatic categorization of transactions
• ✅ Bill tracking and reminders
• ✅ Subscription tracking and cancellation help
• ✅ Debt payoff planner
• ✅ Savings goals
• ✅ Bank-level security

Free Tier Limitations:

• Limited to 2 financial accounts
• Cannot create custom categories
• No export functionality
• Basic reporting only

Pros:

• Extremely simple and beginner-friendly
• Unique "In My Pocket" feature prevents overspending
• Good subscription tracking
• Clean mobile interface

Cons:

• Free tier is very restrictive (2 accounts only)
• Premium tier is expensive compared to alternatives
• Limited customization options
• Some users report sync issues

Best for: Beginners who want ultra-simple budgeting and can work within the 2-account limit of the free tier.

Mint comparison: PocketGuard is simpler than Mint but far more limited on the free tier. You'll need Premium to match Mint's basic functionality.

4. Monarch Money - Best All-Around (If You Can Pay)

Pricing: $14.99/month or $99.99/year (7-day free trial) | No free tier

What makes it special: Monarch is what Mint should have evolved into—a beautiful, comprehensive personal finance platform. It's paid-only but offers the most polished experience.

Key Features:

• ✅ Stunning, modern interface
• ✅ Comprehensive budgeting with rollover
• ✅ Collaborative features (couples/families)
• ✅ Investment tracking and portfolio analysis
• ✅ Custom rules and automations
• ✅ Goal tracking with projections
• ✅ Cash flow forecasting
• ✅ Transaction splitting and tagging
• ✅ Excellent mobile and desktop apps

Pros:

• Best overall user experience
• No ads or upselling (you're the customer, not the product)
• Excellent customer support
• Regular feature updates
• Great for couples with shared finances

Cons:

• No free tier (dealbreaker for many Mint users)
• $100/year is expensive compared to free alternatives
• Overkill if you only need basic bill tracking

Best for: Users willing to pay for the best experience, especially couples managing finances together.

Mint comparison: Monarch is Mint's spiritual successor with better design and features, but you'll pay $100/year for the privilege.

5. Rocket Money (formerly Truebill) - Best for Finding Hidden Subscriptions

Pricing: Free (limited) | Premium: $4-12/month (you choose your price)

What makes it special: Rocket Money excels at finding subscriptions you forgot about and helping you cancel them. It can negotiate lower bills on your behalf.

Key Features:

• ✅ Automatic subscription detection
• ✅ One-tap cancellation for many services
• ✅ Bill negotiation service (Premium)
• ✅ Spending tracker and budgets
• ✅ Smart savings tools
• ✅ Net worth tracking
• ✅ Credit score monitoring

Free Tier Limitations:

• No bill negotiation service
• Limited customization
• Ads and upgrade prompts

Pros:

• Excellent subscription tracking
• Easy cancellation for many services
• Bill negotiation can save hundreds
• Flexible pricing (choose what you pay)

Cons:

• Aggressive upselling to premium
• Bill negotiation takes 40% of first-year savings
• Budgeting features are basic
• Some users report account sync issues

Best for: People who suspect they have subscriptions they've forgotten about and want help canceling them.

Mint comparison: Better at subscription management than Mint, but weaker overall budgeting tools.

6. Simplifi by Quicken - Best for Quicken Users

Pricing: $5.99/month or $47.88/year (30-day free trial) | No free tier

What makes it special: If you're already in the Quicken ecosystem, Simplifi offers seamless integration with powerful reporting and customization.

Key Features:

• ✅ Customizable spending plan
• ✅ Bill management and reminders
• ✅ Goal tracking with projections
• ✅ Investment tracking
• ✅ Detailed reports and trends
• ✅ Recurring transaction management
• ✅ Watchlist alerts for unusual activity

Pros:

• Powerful customization options
• Excellent reporting
• Integrates with full Quicken software
• Good customer support
• More affordable than Monarch

Cons:

• No free tier
• Interface feels dated compared to newer apps
• Learning curve for all features
• Some users report sync delays

Best for: Existing Quicken users or detail-oriented budgeters who want extensive customization.

Mint comparison: More powerful than Mint but requires payment and has a steeper learning curve.

7. EveryDollar - Best for Zero-Based Budgeting

Pricing: Free (manual entry) | Ramsey+ with bank sync: $79.99/year

What makes it special: Created by Dave Ramsey, EveryDollar teaches zero-based budgeting—giving every dollar a job before the month begins.

Key Features:

• ✅ Zero-based budget framework
• ✅ Simple drag-and-drop interface
• ✅ Debt payoff tracker
• ✅ Custom budget categories
• ✅ Baby Steps tracking (Ramsey method)
• ✅ Transaction tracking

Free Tier (Manual Entry):

• Create unlimited budgets
• Track income and expenses
• Debt payoff planning
• Must enter transactions manually

Pros:

• Excellent for zero-based budgeting method
• Simple, focused interface
• Good educational resources
• Syncs across devices

Cons:

• Free tier requires 100% manual entry
• No investment tracking
• Limited reporting
• Pushes Ramsey products/courses
• Bank sync requires expensive Ramsey+ subscription

Best for: Dave Ramsey followers committed to zero-based budgeting and willing to manually enter transactions.

Mint comparison: More disciplined budgeting approach than Mint, but free tier is much more limited.

Feature Comparison Table

Which Mint Alternative is Best for You?

Choose based on your primary use case:

If You Prioritize Bill Tracking → TrackMyWorth

You mainly used Mint to track bills and avoid late payments. You want reminders, payment history, and basic budgeting—all free.

Why TrackMyWorth: Unlimited free bill tracking with smart reminders, beautiful mobile interface, and room to grow into budgets and net worth tracking when ready. Start free—no credit card needed.

If You Need Investment Tracking → Empower

You have significant investment accounts ($25K+) and want detailed portfolio analysis, asset allocation insights, and retirement planning.

Why Empower: Institutional-grade investment tools completely free. Best net worth tracking in the industry.

If You Want Ultra-Simplicity → PocketGuard

You have 1-2 accounts and want the simplest possible answer to "How much can I spend right now?"

Why PocketGuard: "In My Pocket" feature makes budgeting foolproof. Great for beginners.

If You Can Pay for the Best → Monarch Money

You're willing to pay $100/year for the most polished, comprehensive personal finance experience. Perfect for couples.

Why Monarch: Best all-around experience with beautiful design and powerful features.

If You Have Forgotten Subscriptions → Rocket Money

You suspect you're paying for services you don't use and want help finding and canceling them.

Why Rocket Money: Excellent subscription detection and one-tap cancellation. Bill negotiation can save hundreds.

How to Migrate from Mint

Unfortunately, Mint didn't make migration easy. Here's your best path forward:

Step 1: Export Your Mint Data (If You Still Can)

If you still have access to your Mint account:

1. Log into Mint
2. Go to Settings → Data export
3. Download transactions (CSV)
4. Download budget history
5. Take screenshots of your categories and budgets

Step 2: Choose Your Alternative

Based on the comparisons above, pick the app that best matches your needs. For most people, we recommend starting with TrackMyWorth's free tier since it requires zero commitment.

Step 3: Recreate Your Setup

Most Mint alternatives don't import Mint data directly. You'll need to:

• Manually recreate your budget categories
• Add your recurring bills with due dates
• Link your financial accounts (or enter manually)
• Set up any rules or automations you had

This takes 30-60 minutes but gives you a fresh start with potentially better tools.

Step 4: Give It 2-3 Months

Don't judge your new app in the first week. It takes 2-3 months to:

• Learn the interface and features
• Build transaction history for accurate trends
• Fine-tune your categories and rules
• Develop new habits with the new app

The Bottom Line: Life After Mint

While Mint's shutdown was disappointing for millions of users, the alternatives available in 2025 are actually better than Mint in many ways. Modern apps offer:

• Better mobile experiences (Mint's app was dated)
• More focused feature sets (doing a few things really well)
• Stronger privacy commitments (not selling your data)
• Active development (new features added regularly)

For most former Mint users, we recommend starting with TrackMyWorth's free tier. You get unlimited bill tracking with smart reminders, basic budgeting, net worth tracking, and a beautiful mobile experience—all without paying a cent or entering a credit card.

If you need more advanced features later, you can upgrade or try another app. But the free tier alone replaces what most people actually used Mint for.

Ready to move on from Mint? Sign up for TrackMyWorth free and start tracking your bills in under 60 seconds. No credit card required, no pressure to upgrade, just a simple tool to help you never miss a payment again.

Related reading: Learn how to effectively track your recurring bills and calculate your net worth to measure real financial progress.