Intuit closed Mint on March 23, 2024 and pointed everyone at Credit Karma, which does not do budgets. Most people landed somewhere else within a few months and then quietly wondered whether they picked right. This is the map we wish had existed then, written by people who build one of the alternatives, so read it with that in mind. Where we say something about another product we link to their own pages, and prices are the standard rates on their sites as of September 2026.
The short version
| If you want… | Look at |
|---|---|
| Mint, but paid and polished | Monarch, Copilot |
| Zero-based envelope budgeting as a discipline | YNAB, Actual Budget |
| Free, open source, on your own server | Actual Budget, Firefly III |
| One email a day that says whether you are on budget, with self-host free or hosted cheap | Oikonome |
The paid successors
Monarch Money ($14.99/mo or $99.99/yr) is the closest thing to a direct Mint replacement. Multi-aggregator bank sync, shared household access, goals, investment tracking, a good mobile app. If you liked Mint and are happy to pay for the same shape done better, it is the safe pick.
Copilot ($13/mo or $95/yr) started as an iPhone app, still feels most at home on Apple platforms, and is the best-looking app in the category. It leans on machine-learned categorization and a strong monthly review flow. If you live on iPhone and want something that feels native, this is it.
Quicken Simplifi ($71.88/yr, billed annually) is the budget-priced option from the Quicken family. Spending plan, watchlists, decent sync. Less depth than Monarch, less polish than Copilot, cheaper than both.
All three sync your banks for you, keep your data on their servers, and price at a level that has to fund a growth team. None of them can be self-hosted.
The envelope-budgeting school
YNAB is a method as much as an app: every dollar gets a job, you budget only money you actually have, and you roll with the punches by moving money between categories. It works, it has a devoted community, and it costs a real subscription (check their site for the current price, it has risen more than once). If you have never budgeted and need a system that forces the habit, YNAB is the strongest teacher.
Actual Budget is the open-source answer to YNAB. Same envelope model, MIT licensed, local-first (your data lives in a file you control), with optional bank sync through SimpleFIN in the US and GoCardless in Europe. Free if you run it yourself, or a few dollars a month at a hosting provider like PikaPods. We compare it in depth in Actual Budget vs Firefly III vs Oikonome.
Open source, self-hosted
Firefly III is the veteran self-hosted finance manager: double-entry style bookkeeping, budgets, piggy banks, rules, a separate data-importer for CSV and bank connections. AGPL, PHP, a large install base. It is a ledger first and a budget second, and it rewards people who like keeping books.
Oikonome (ours) takes the opposite approach to every app above. It assumes you do not want to open a finance app. Instead it sends one email each morning: on budget, over, or under, the one number you can spend today, a 60-day cash forecast, and the reason when you are over. Bills and paychecks are detected from your history and you approve them. Behind the email is the full product: envelope budgets including annual pools for lumpy costs, a debt payoff planner, a retirement projection replayed against every market sequence since 1928, business and Schedule C tracking, and an import hub for Mint, Quicken, YNAB and CSV history. Self-hosting is free with every feature and zero telemetry (Fair Source, each release becomes Apache after two years). The hosted version is $6.99/mo or $69/yr with a 30-day trial and no card. There is a live demo on synthetic data if you want to look before signing up for anything.
How to actually choose
Three questions sort almost everyone:
- Will you open the app? Be honest. If you check a dashboard daily, any of the paid apps will serve you. If your Mint habit was really "glance at it once a month and feel vaguely guilty", pick something that comes to you. That is the whole reason Oikonome is built around an email.
- Do you want to run software? Self-hosting Actual, Firefly or Oikonome takes Docker and an hour. In exchange your data never leaves your machine and the bill is zero. If that sounds like a chore, pay for hosting and move on with your life.
- How much history do you have? Mint let you export a CSV of everything. Some apps import it well, some import only the last 90 days from your bank. If a decade of history matters to you, test the import before you commit.
Bringing your Mint export with you
If you still have your Mint transactions.csv, keep it. Oikonome's import hub reads it directly (along with YNAB, Quicken QIF, OFX/QFX and plain CSV), de-duplicates against anything your bank sync later delivers, and the import is reversible in one click. The importing guide covers the details.