Best Mint Alternative 2026
Mint is gone.
Here's what comes next.
You lost Mint. You've tried the replacements. But tracking wasn't the problem—sticking to budgets was. OmniAccount is the upgrade Mint users actually needed.
What Mint got right (and wrong)
Mint changed how we think about money
Before Mint, most people didn't track spending at all. Mint made it effortless:
- ✓ Free. No barrier to entry—anyone could start tracking.
- ✓ Automatic. Connect your banks, see everything in one place.
- ✓ Simple. Clean interface that didn't overwhelm.
- ✓ Budget alerts. Get notified when you're approaching limits.
But Mint had fundamental limitations
- ✗ Tracking, not enforcement. Knowing you overspent doesn't un-spend the money.
- ✗ You were the product. Free meant selling your financial data for targeted product offers.
- ✗ Passive observation. Mint watched your money flow. It never helped you control it.
- ✗ Stagnant development. Under Intuit, Mint barely evolved in a decade.
The Mint alternatives landscape
Here's what you're choosing between.
Monarch Money
The most popular Mint replacement. Beautiful design, solid tracking.
Good for:
- ✓ Clean, modern interface
- ✓ Couples who track together
- ✓ Net worth monitoring
Limitations:
- ✗ No spending enforcement
- ✗ No cards or payment controls
- ✗ Alerts only, no action
YNAB
Zero-based budgeting methodology. Requires manual commitment.
Good for:
- ✓ Intentional budgeting philosophy
- ✓ Users who want to stay engaged
- ✓ Strong community and education
Limitations:
- ✗ High manual effort required
- ✗ No spending enforcement
- ✗ Steep learning curve
Copilot
iOS-only app with premium design. Apple ecosystem focus.
Good for:
- ✓ Beautiful iOS-native experience
- ✓ Apple users who want premium
- ✓ Excellent categorization
Limitations:
- ✗ iOS only—no Android, limited web
- ✗ Single-user focused
- ✗ No spending enforcement
Rocket Money (Truebill)
Subscription cancellation service with tracking. Bill negotiation focus.
Good for:
- ✓ Finding subscriptions to cancel
- ✓ Bill negotiation services
- ✓ Lower price point
Limitations:
- ✗ Limited budgeting features
- ✗ No spending enforcement
- ✗ Takes percentage of savings
OmniAccount
Tracking + enforcement. Virtual cards that actually stop overspending.
Unique features:
- ✓ Real-time budget enforcement
- ✓ Virtual cards per category
- ✓ AI-powered optimization
- ✓ Family controls for everyone
Plus everything Mint did:
- ✓ Bank aggregation
- ✓ Auto-categorization
- ✓ Net worth tracking
- ✓ Budget alerts
The difference that matters
Most Mint alternatives are Mint with better design. OmniAccount is a fundamentally different approach.
Tracking Apps
(Mint, Monarch, Copilot, YNAB)
"You spent $847 on dining out this month. You were $200 over budget."
Information. After the fact. Now what?
Enforcement Platform
(OmniAccount)
"Your dining card declined. You've used your $650 dining budget for the month."
Action. In the moment. Problem solved.
Easy migration from Mint
Connect your banks
Same Plaid integration you used with Mint. All your accounts in one place within minutes.
Set up your wallets
Create budget categories (we call them wallets). AI suggests starting budgets based on your history.
Get your cards
Virtual cards for each wallet, ready immediately. Physical cards mailed if you want them.
Feature Comparison
How the top Mint alternatives compare.
OmniAccount
$9.99/mo foundingMonarch
$14.99/moYNAB
$14.99/moCopilot
$13/moRocket Money
$6-14/moMint (RIP) was free but offered no enforcement, virtual cards, or family support.
| Feature | Mint (RIP) | Monarch | YNAB | Copilot | Rocket Money | OmniAccount |
|---|---|---|---|---|---|---|
| Bank aggregation | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Auto-categorization | ✓ | ✓ | Basic | AI | ✓ | AI-powered |
| Budget tracking | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Net worth tracking | ✓ | ✓ | ✗ | ✓ | Premium | ✓ |
| Budget alerts | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Real-time enforcement | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
| Virtual cards | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
| Transaction blocking | ✗ | ✗ | ✗ | ✗ | ✗ | ✓ |
| Family support | ✗ | Couples | Couples | ✗ | Premium | Full family |
| AI optimization | ✗ | Basic | ✗ | ✓ | ✗ | ✓ |
| Free tier | ✓ | ✗ | ✗ | ✗ | ✓ | — |
| Price | Free (RIP) | $14.99/mo | $14.99/mo | $13/mo | $6-14/mo | $14.99/mo |
| Founding price | — | — | — | — | — | $9.99/mo forever |
Frequently Asked Questions
What's the best Mint alternative in 2026?
▾
For pure tracking, Monarch Money is the most popular Mint replacement—beautiful interface, solid features. But if you want your budget to actually work, OmniAccount adds real-time enforcement through virtual cards. Spending automatically stops when you hit your limit.
Why did Mint shut down?
▾
Intuit shut down Mint in early 2024 to consolidate users into Credit Karma. The free model relied on targeted financial product recommendations, which became less profitable. This left millions of users searching for alternatives.
Is OmniAccount free like Mint was?
▾
OmniAccount is a paid service ($14.99/month, or $9.99/month for founding members locked forever). Unlike Mint, we're not monetizing your financial data through product recommendations. You're the customer, not the product.
How is OmniAccount different from other Mint alternatives?
▾
Most Mint alternatives (Monarch, Copilot, YNAB) are tracking apps—they tell you what happened after you spent money. OmniAccount is an enforcement platform—virtual cards that decline when you hit your budget. Same tracking, actual control.
Can I import my Mint data?
▾
If you exported your Mint data before the shutdown, we can help you import historical transactions and categories. Our AI will also analyze your spending patterns from your connected accounts to suggest budget categories that match how you actually spend.
Do I have to use the virtual cards?
▾
No. You can use OmniAccount purely as a tracking app if you prefer—connect your banks, see your spending, track your budgets. The virtual cards are optional, but they're what make enforcement actually work. Most users who try them don't go back.
Ready for the Mint upgrade you deserve?
Join the waitlist for early access. Founding members lock in $9.99/month forever.
Be first in line when we launch.