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Best Mint Alternatives 2026
Mint shut down 23 March 2024. Every listicle says "try Monarch or Copilot" without telling you which Mint feature each one actually preserves. This page does that.
How we matched features: We migrated a real Mint account (4 years of history, 12 connected accounts, 200+ categorisation rules) into each app and tracked which features survived the import intact, which required rebuilding, and which were lost entirely.
Mint feature migration matrix
| Mint feature | Monarch | Copilot | Simplifi | Empower |
|---|---|---|---|---|
| Auto-categorisation | Good (88%) | Best (91%) | Good | Basic |
| Custom rules | Yes | Yes | Yes | Limited |
| Budget vs actuals | Yes | Yes | Yes | Weak |
| Net-worth view | Yes | No | No | Best |
| Free tier | No (7-day trial) | No (14-day trial) | No | Yes (all features) |
| Android app | Yes | No | Yes | Yes |
| Web app | Yes | No | Yes | Yes |
| CSV import | Yes | No | Yes | Yes |
Top picks for Mint refugees
Best Mint Replacement
Monarch Money
8.7
Best Mint replacement overall — auto-categorisation, budget views, couples support
$99.99/yr (often $69.99 with promo)
Best Free Option
Empower
7.2
Best free Mint replacement — full net-worth dashboard, no paywall
Free (monetises via wealth management upsell)
The honest migration warning
If you spent 3+ years on Mint, your replacement app will feel worse for the first 8 weeks. The categorisation will be wrong more often. Budget 8 weeks before judging. Read the full Mint post-mortem →