Where Mint users should actually go

What actually happened

Intuit closed Mint in March 2024 and moved its users to Credit Karma, which it also owns. Credit Karma took over the account aggregation and the credit score, but not the budgeting: no category budgets, no spending plan, none of the monthly discipline that made Mint useful to the people who used it as intended. Millions of people who had been running their money on a free app since 2007 were handed something adjacent and told it was the same.

The second shock was the price. Mint was free because it made money from lead generation: credit cards and loans recommended to you. Every serious replacement charges a subscription instead, and the going rate turned out to be $95 to $109 a year. That was a rational move by the industry and it still felt like a bill arriving for something you used to get for nothing.

What the replacements cost, in one place

How to choose, honestly

You used Mint as a full dashboard → Monarch.

If what you miss is every account, investments, net worth and category reports in one place, Monarch is the closest thing to Mint-as-you-remember-it, and it's the replacement most ex-Mint users settled on. $99.99 a year, with a $199 Plus tier above it. Ralphy compared to Monarch →

You're on Apple everything and care how software feels → Copilot.

The best-made money app on iPhone, iPad and Mac, with categorization that genuinely works. $95 a year. Ralphy compared to Copilot →

You want to be better with money, not just informed → YNAB.

A method, not a dashboard. It asks real work of you every week and changes how people think about money when they stick with it. $109 a year.Ralphy compared to YNAB →

You mainly want to stop paying for things you forgot about → Rocket Money.

Its free tier finds subscriptions, and Premium will cancel them for you. For that job alone you may never need to pay anything.Ralphy compared to Rocket Money →

You just want to know what you can spend today → Ralphy.

One number each morning from your real bills, cards and paydays, with the arithmetic behind it open to inspection. No categories, no dashboard, no weekly maintenance. $3.99 a month.

Why I think there's room for a smaller app

Every replacement above answered Mint's disappearance by being more: more accounts, more reports, more surface. That's a reasonable read of what Mint's power users wanted. But a lot of Mint's users weren't power users. They opened it to find out whether they were okay, looked at one screen, and closed it.

There's also evidence that the dashboard approach doesn't do what we all hope it does. Researchers gave 9,035 people an in-app budget (a single spendable number for some, full categories for others) and measured their spending. It didn't drop, in either group. A budget you have to remember to follow is a number you learn to ignore.

So Ralphy does the part that works: it reads your bills, cards and paydays (read-only, through Plaid) and hands you one honest figure each morning: today's spend limit, with everything already committed taken out. It projects your balance to the next payday and marks the low point before you reach it. And every number opens to show its math, because a spendable figure you can't check is one you'll eventually stop believing.

What Ralphy doesn't replace

It doesn't track investments or net worth. It has no category budgets or reporting suite. It won't cancel a subscription for you or negotiate a bill. It's iPhone-only, with no Android or web app and no shared household view. If any of those were the reason you used Mint, one of the four apps above is a better answer than this one, and the links are right there.

Prices checked 21 August 2026 · Mint closed 23 March 2024