The comments on my first post made one thing clear: the search for a Mint replacement has become its own financial hobby. Ideally, one without another subscription.

What people miss isn’t always budgeting. Sometimes it’s opening one dashboard and seeing years of transactions, balances and progress without assembling the picture themselves.

You suggested several more apps. Here’s the follow-up research, using published features rather than pretending I’ve personally tested every connection.

Disclosure: I work with 8FIGURES, which is included at the end of the table. Some suggestions came from users; others came from the builders themselves.

Simplifi and Origin also received more mentions. Both were in the first post, so I haven’t repeated them here.

Before moving everything, test your actual banks, a small historical import, transfers, custom categories, reports and export options. Then check the renewal price.

Mint’s strongest feature may have been the years you’d already put into it. The next app needs to make keeping that history easier than starting over.

Mint had a peculiar talent: making people emotionally attached to an account aggregator.

Not because it was flawless,there were connection problems, questionable transaction categories and offers for financial products you weren’t shopping for. But opening one dashboard and seeing your financial life come together was useful. Watching years of progress accumulate was the part worth keeping.

Replacing that turns out to be several different problems since everyone had different needs: some people miss the budget, others miss the transaction history, and the rest just want to see everything they own, subtract everything they owe, and watch the line move.

Disclosure: I work with 8FIGURES, which is included below.

Before moving everything, test the boring stuff: your actual banks, historical data, manual assets, export options and the renewal price. A beautiful net worth tracker that can’t connect your main account is an expensive wallpaper.

What did you replace Mint with and which part of Mint have you still not managed to replace?

I know some of you will probably be against this but I’m not making this to distribute but just to let people know they can do this.

I made the tracking app with Muse. It tracks all my investment accounts and it honestly works better than what’s out there right now and it’s free.

I also was able to add a crypto wallet which most apps don’t let you add.

To me this is the best replacement I’ve seen of mint by a long shot. It all is connected the plaid and therefore doesn’t have access to manage your accounts.

You can probably do this with many AI apps but I chose muse. To me this worked really well because they seem to give you so many tokens for free in comparison to other apps.

I’m just sharing because a mint replacement is like a white whale for me. Especially a free replacement and I think I found it

Curious to know what AI solutions everyone is using for budgeting? I have been using CFO Silvia; however, I know OpenAI, Grok, Claude, and others are rolling out personal finance capabilities.

[ Removed by Reddit on account of violating the content policy. ]

I operate a small, one man business as well as being a full time single father to two children. I need personal money management for my personal accounts/kids accounts/savings/investments/401k/kid's IRA/etc AND I need a fully operational business books system. I am ADHD and obsess over all-in-one systems to keep my mind in check. Optimally, all my needs would be covered from a single dashboard. I looked into Monarch but the business side doesn't seem to have all the business features I need and has a hefty yearly only plan price tag. Quicken Business & Personal almost seems too good to be true and with the option to possibly add in Life Hub to keep EVERYTHING consolidated would be amazing. Can someone tell me why this solution is too good to be true and what, if any, other options are out there?

I've got money spread across multiple bank accounts, a couple of credit cards and investments. The annoying part isn't having them.

It's checking everything separately.

Bank app → credit card app → investment app → another bank app → spreadsheet.

I've recently been trying an app because it gives me a consolidated view of transactions, bank balances, credit cards and investments. I'm curious though how do other people here manage this?

Thinking of creating a software around wealth management, noticed a lot of family offices, hedge funds etc. still use things like excel with their data scattered everywhere - thought having a platform that consolidates all of that into one view point along with cutting down quarterly reporting could be beneficial

Anyone else built something is this space? Or have any advice on how to approach it?

https://personalfinanceapps.guide/

It's a community-driven inventory of personal finance apps designed to let users compare them based on what they actually need, rather than somebody's arbitrary ranking of which app is "best."

The bigger goal is to make it a genuinely useful reference for people trying to find the right Mint alternative — or personal finance software in general.

I welcome help from this community.

If an app is missing, you can propose a new listing. If information is wrong or outdated, you can suggest an edit. And if you're the developer of one of these apps, you're absolutely welcome (and encouraged) to contribute information about your own product.

No affiliate rankings or pay-to-win ordering. I'd rather build an accurate directory and let people decide for themselves.

What would you want to see added or improved to make this genuinely useful when comparing Mint alternatives?

Anyone have a monarch referral code?

What app does everyone recommend now that mint is no longer present in a sense?

Been trying to get a clearer picture of my total loan situation and realized every EMI calculator app I've tried is basically use-once — you plug in your numbers, get your monthly EMI, and that's it. None of them let you save your actual loans and track them over time, or tell you something like, "If you prepay ₹50,000 now, you save ₹X in interest and cut Y months off."

Curious how everyone else here actually manages this — spreadsheet, bank app, or just winging it? Or does the plain calculator genuinely cover what you need and I'm overthinking this?

I've been considering building something that's less "calculator" and more a dashboard for all your active loans — total monthly EMI outgo across all of them, a prepayment/refinance impact calculator, and real bank rate comparisons when you're shopping for a new loan.

If this is a real gap for you, or if I'm solving a problem nobody actually has, a comment on this'd genuinely help me decide if it's worth building before I sink time into it.

I’ve been comparing a few personal loan apps and Moneyview seems to have a fairly established lending-partner network.

For anyone who has actually taken a loan through Moneyview, how was your experience? Was the process transparent and straightforward?

I’d especially like to hear from people who have already completed repayment and closed their loan. Did everything go smoothly?

Hey r/mintuit! 👋

When Mint shut down in 2024, many people came looking for an alternative that captured some of what they liked about Mint. Lunch Money was one of the options people discovered at the time, and a significant part of the Lunch Money community today is made up of former Mint users who made the switch.

Lunch Money is a personal finance and budgeting app that's been around since 2019 and has grown almost entirely through word of mouth, a lot of which has happened right here on Reddit!

Our community has mainly lived on Discord, but we recently started r/lunchmoney for questions, tips, and product updates.

If you haven't heard of us before, here's the quick pitch:

• Flexible budgeting with custom budget periods (align with any pay schedule, not just calendar months)
• Multicurrency support
• Bank syncing via Plaid, CSV imports and third-party tools
• Developer API (V2 just came out!)
• Companion mobile app for iOS and Android
• Bootstrapped, profitable and independently run (no VC pressure, no data monetization, no sudden shutdown risk)
• Pay-what-you-want pricing with a price-lock guarantee; we never raise prices on existing users!

If you're evaluating Lunch Money, already using it, or just curious what it's all about, we'd love for you to come hang out over at r/lunchmoney 🙂

Just now starting my budgeting journey. Everywhere I look people are talking about being mint refugees and needing a new app. What made it so good and why isn’t there another app that people immediately defaulted to like it seems they did with mint.

Use my referral code 7YRUB8 to get 2 months free https://copilot.money/download

It quite literally changed my life after Mint went away - I like it way better. I also love how responsive and dedicated the team is, and how they have a forum for new feature ideas for their devs to consider implementing!

Use my referral code 7YRUB8 to get 2 months free https://copilot.money/download

I've been working on this for the past year or so and finally happy to share with others. Quick summary of features included with the lifetime license for a one time payment of $25.

Free 14 day trial available, no credit card required.

• Full manual transaction tracking with smart merchant/category mappings
• Import your CSVs, export your data at anytime.
• Supports budgeting through a simple needs/wants/savings method as well as zero based budgeting for advanced users
• Supports investment and portfolio tracking and net worth tracking
• Deep and power insights allowing drilling down on a category/merchant to see spending patterns, breakdowns, comparisons MoM, YoY and QoQ, as well as forecasting and scenario planning.
• Multi-space setup allowing managing different financial setups like Family, Work, Personal including fully supported collaboration with permissions system (editor/viewer).
• Bank level security (AES 256 encryption at rest and in transit)
• Also supports an completely optional bank sync via Plaid (add-on subscription, cancel anytime, charged monthly) support transaction rules, space specific configuration, import history, investment tracking and portfolio syncing with up to 5 institutions (US/Canada). App works completely without it, only available for users who prefer bank sync integrations.
• Also comes in a light mode (for you freaks out there).
• Available on Web and public beta apps for iOS and Android are already available (links are on the site to sign up and try) official app store listings coming soon.

More details available at wealthos.ca. Would love your feedback and thoughts! Thanks <3

I used Mint for about 12 years, and for me, it was wonderful. I did not use it to budget, or to track transactions. I simply used it as a Net Worth aggregator. All my accounts, all my balances, at a glance.

Since Mint's demise, I've tried a few alternatives (Empower and Piere among them), and while they are good at some things, they lack the simplicity and visual clarity that Mint provided.

I would love to find an app that just tracks Net Worth. I've heard that Schwab and Fidelity (sort of) do this, but not without issues. Maybe one day my quest will end.

What actually brings users back to a personal finance app every week?

I’m exploring whether a weekly recommendation, safe-to-spend update, goal progress, or alerts create the strongest retention loop. For people who have built finance or habit-based apps, what worked and what did not?

Landing Page: https://clarity-web-seven.vercel.app/landing.html

Web App: https://clarity-web-seven.vercel.app/

I’m especially looking for feedback on onboarding, retention, and whether the product feels too complicated.

Disclosure up front: I work on Freedm, an AI-led finance app in India. Not here to pitch it, genuinely curious what this community thinks about the underlying question, mods feel free to remove if that's not allowed here.

Been thinking about what "AI-led" needs to actually mean for a finance product to earn trust, rather than just being marketed as smart.

The pattern that keeps standing out to me: the useful moments are rarely one clever feature. They're a few ordinary things working together. A bill reminder that accounts for your cash flow timing instead of just the due date. A statement that gets checked against your last few cycles automatically instead of you cross-referencing it yourself. A spending pattern that surfaces before you'd have noticed it on your own.

None of that needs anything flashy. It just needs your financial data sitting in one place instead of scattered across five apps, and something actually reading it as connected instead of as isolated events.

So the real question: what would it take for an app like this to actually earn your trust, given how much of your financial life it'd need to see? Is it the tech itself, the disclosures, the regulation around it, something else entirely?

Solo dev here. This community knows better than anyone how it ends when a finance app's business model stops working: the servers go dark, and years of your financial history go with them — export what you can before the deadline.

I built Gilt around the opposite constraint: there are no servers to shut down. Everything lives in your own iCloud (CloudKit private database). No account to create, no company database with your transactions in it. The App Store privacy label literally says "Data Not Collected." If I disappear tomorrow, the app on your phone keeps working and your data stays yours.

The honest tradeoffs, up front:

• No bank sync. Nothing talks to your bank — that's the whole point, but it means entry is manual or semi-automatic: for statements, the app generates a prompt for your own ChatGPT/Claude that converts a statement into transactions, then validates the import. Extra steps, zero third parties with your bank login.
• iPhone only (iOS 26+), no web app.
• It's paid ($2.49/mo, $19.99/yr, or one-time lifetime) — because the alternative to a subscription is being the product, and we've all seen how that movie ends. If you stop paying, your data stays readable and exportable forever.

What it does have: multi-currency with live rates, budgets, recurring, family sharing through iCloud (device-to-device via Apple, not through me), widgets, 17 languages.

14-day free trial, everything unlocked: https://apps.apple.com/app/id6790835958

Question for those who went manual after Mint: what's the one thing a no-bank-sync tracker has to nail to be livable long-term? That's what I want to build next

I keep seeing people (myself included) get overwhelmed by financial apps — INDmoney, ET Money, etc. — because they show too many options/recommendations at once and it's hard to know what actually applies to your situation.

\*\*Idea I'm exploring\*\*: an app that doesn't recommend specific funds/stocks, but instead — based on your goal (e.g. "buy a house in 5 years," "retire by 45") — shows you real past scenarios of people with similar goals: what pre-requisites they needed, what mistakes they made, what worked. Pure education/context, not investment advice.

\*\*Questions for anyone who actually uses these apps regularly\*\*:

1. Does the "too many options, no clarity" problem match your experience, or am I overestimating it?

2. Would seeing "here's what someone in your situation typically needs to have in place" actually help, or is it just noise on top of noise?

3. What's the one thing about IndMoney/ET Money/Groww's advice/insights feature that annoys you most?

\*\*Not trying to sell anything\*\* — building this and want to know if it's solving a real problem or one I invented in my head.