Mint alternatives after the shutdown: pick a replacement by the job Mint did for you

What happened to Mint

Intuit's Mint homepage now carries the banner "Mint has been reimagined on Credit Karma" and says reviewing transactions, monitoring your spending and tracking your net worth now have a new home, linking to Credit Karma sign-up. Monarch's official comparison page says Mint pushed users to Credit Karma. Monarch also claims Credit Karma has no budgeting tools; treat that as a competitor's statement and check Credit Karma yourself.

This is research from official vendor pages and help centers read on 29 October 2026, not firsthand testing; we have not connected banks, run rules or exported data in these apps. Vendor pages describe what a product offers, not how well it works for you.

Match the replacement to the job Mint did

Every budgeting replacement here except a free tier is a subscription. Twelve months of monthly billing costs $179.88 for both YNAB and Monarch at $14.99, so annual billing saves roughly $70 to $80 if you are confident after the trial.

Alerts and notifications

Many Mint users relied on alerts. Of the replacements, Lunch Money's rules engine documents a "Send an email notification" action, so you can be emailed when, for example, a transaction over $500 posts to a given account. Monarch says each household member can personalize notification settings. Check the specific alert types you need during the trial, since the pages we read do not list them all.

Carrying Mint history forward

If you saved a Mint CSV, Lunch Money's Migrate from Mint tool maps columns automatically and carries date, payee, original name, amount, amount type, account, category, notes and tags. Its guide warns Mint exports were capped at 10,000 rows, Mint tags are space-separated while the importer expects commas, and imported history can overlap the roughly two years a newly synced bank may supply, so trim the file. Imports over 500 transactions run in the background.

Monarch's importer accepts CSVs with account, amount and date columns, handles multiple accounts in one file, and checks for duplicates. Its balance importer can rebuild a net-worth timeline from a date-and-balance file per account. PocketSmith's features page presents its Express Migration tool as a route from Mint and other apps.

A short switching checklist

• Find any Mint CSV you saved; copy it before editing.
• Decide the one job you need, using the table above, before comparing features.
• Start the trial (Monarch 7 days, YNAB 34 days, Lunch Money 30 days) or the PocketSmith 14-day money-back window.
• Connect your main checking account first and confirm it syncs.
• Import only the last year of Mint history, check for duplicates around the sync start date, then import the rest.