Managing your finances effectively is crucial, and for many people, Mint has been a go-to tool for tracking spending, budgeting, and setting financial goals. However, as financial tools evolve, users are increasingly exploring Mint alternatives that offer enhanced features, better security, or a more customized user experience. Whether you’re seeking more detailed insights, specialized budgeting tools, or a more privacy-focused solution, there are several excellent alternatives available. In this guide, we’ll explore the best Mint alternatives in 2025, helping you choose the right financial tool to stay on top of your money and achieve your financial goals.
10 Best Free Mint Alternatives and Competitors in 2025
With Mint out-of-the-picture, one seeks alternatives. And yes, many budgeting apps exist from which users switch to. Here is the list of the 10 best Mint Alternatives to be used in 2025 with pricing, features, pros and cons:
1. YNAB (You Need a Budget)
YNAB is a free Mint alternative and it doesn’t just track spending: it assigns each dollar a role, like food or vacation savings. It’s ideal if money management is crucial.
Features:
- Assign every dollar a job (groceries, bills, vacation).
- Plan your budget with incoming income for proactive control.
- Set and track financial goals like for a down payment or dream car.
| Pros | Cons |
|---|---|
| Forces you to plan spending by allocating income beforehand, hence allowing proactive budgeting. Assigns every dollar a job (like groceries or bills) for clear direction and focuses on targeted spending. | The system requires discipline and relies on sticking to the planned allocation. The initial setup and method may take some time to grasp. |
Pricing:
- Free 34-Day Trial available
- $8.25/month (Annual Plan)
- $14.99/month (Monthly Plan)
Link: https://www.ynab.com/
2. EveryDollar
EveryDollar is a Mint alternative that’s free to use. EveryDollar follows the money management principles of financial expert Dave Ramsey. Therefore, it’s an excellent choice for individuals seeking a straightforward budgeting tool without unnecessary complexities. If you desire a no-frills budgeting app, EveryDollar could be the perfect fit for your needs.
Features:
- It budgets all cash flow – so there remain no leftovers unaccounted for.
- It handles outgoings virtually, cash-style category method.
- It pursues debt payoff, letting users retain drive via debt tracking.
| Pros | Cons |
|---|---|
| Easy incomings/outgoings review – all allotted. Debt eradication prioritized, motivation upheld. | No auto transactions or investment management. Free version demands manual entry. |
Pricing:
- Available for free.
- Newcomers get (14 days) free trial.
- $17.99 per month (Premium Monthly).
- $79.99 annually (Yearly Premium Plan).
Link: https://www.ramseysolutions.com/ramseyplus/everydollar
3. PocketGuard
PocketGuard is another Mint alternative(free) and helps you track your spending and find ways to save money. So, it is like your personal finance watchdog. It also provides bill reminders, hunts for ways to save you cash and alerts you to low balances.
Features:
- Monitors spending and finds areas to cut back, saving you money.
- Get reminders for upcoming bills and avoid late fees.
- Helps you potentially lower recurring bills by suggesting negotiation.
| Pros | Cons |
|---|---|
| Tracks spending, finds areas to cut back, and alerts you to low balances. Provides bill reminders and helps avoid late fees. | Cash transactions and some customization require upgrading. It may not necessarily focus on long-term financial goals. |
Pricing:
- Free plan is available for Basic Version.
- $7.99 monthly (Monthly Premium Plan)
- $34.99 yearly (Annual Premium Plan)
- $79.99 lifetime cost (Lifetime Premium Plan)
Link: https://pocketguard.com/
4. Goodbudget
Goodbudget is an alternate option to Mint (free), perfect for visually tracking finances. It utilizes “envelopes” to monitor spending, aiding budgeting. Consider it as digital envelopes containing cash, but far more portable.
Features:
- Digital envelopes provide clear visibility into finances and spending habits.
- Collaborate with others and manage shared budgets easily.
- Set aside money for goals automatically with its envelope system.
| Pros | Cons |
|---|---|
| Uses envelopes to categorize spending for a clear picture. Ideal for couples as finances can be viewed and managed together. | Requires manual input of transactions, which can be time-consuming. Lacks automatic syncing or investment tracking compared to some apps. |
Pricing:
- Free version is available.
- $10/month (Monthly Premium plan)
- $80/year (Annual Premium plan)
Link: https://goodbudget.com/
5. Tiller Money
Tiller Money is another free alternative to Mint. It’s a great choice for spreadsheet lovers. Connect your bank accounts, and it imports transaction data into a Google Sheet.
Features:
- It imports bank transactions directly into your Google Sheet for ultimate customization.
- It saves time with automatic categorization based on your rules.
- It tracks finances in separate sheets for personal, business, or rental income.
| Pros | Cons |
|---|---|
| It offers powerful customization and lets you craft a budget spreadsheet exactly how you like it. Seamlessly connect your bank accounts to your Google Sheet for easy data import. | Using Tiller effectively requires comfort working with spreadsheets. Lacks some functionalities offered by other budgeting apps, like automatic bill reminders. |
Pricing:
- 30-day Free Trial Period
- $79/year after the end of Free Trial
Link: https://www.tillerhq.com/
6. Copilot
Copilot is another alternative to mintand is a good option for people who want a budgeting app with a lot of features. It offers automatic transaction categorization, bill pay, and goal setting.
Features:
- It automatically sorts your transactions, saving you time.
- It helps pay bills directly within the app for ultimate convenience.
- It helps in setting and tracking financial goals with the app’s guidance and support.
| Pros | Cons |
|---|---|
| Offers bill pay, automatic categorization, and goal setting. Clean interface, user-friendly and easy navigation for managing finances. | It has a limited free trial period to test the app before committing. It requires a paid subscription to access certain features. |
Pricing:
- Free-Trial available
- $13 per month (Monthly Plan)
- $7.92 per month (Annual Plan)
Link: https://copilot.money/
7. Empower
Empower is another free Mint alternative and goes beyond budgeting and helps the user keep an eye on their investments too. It brings all their financial accounts together in one place, giving them a complete financial picture.
Features:
- It tracks spending and lets you see all your investments in one place.
- It monitors expenses and sets financial targets for a clear financial picture.
- It offers more than budgeting, giving you a holistic view of your finances.
| Pros | Cons |
|---|---|
| Gives you a complete financial picture by including your investment accounts. Offers budgeting and money management features at no cost. | Management fees can be higher compared to other investment platforms. May be complex for those new to investing. |
Pricing:
- All tools are Free to use.
Link: https://www.empower.com/
8. Monarch Money
Monarch Money is another free Mint alternatives and is a good option for couples who want to budget together. It allows the users to connect their bank accounts and see both their finances in one place.
Features:
- It lets couples see all accounts and budgets in one place.
- It helps to plan and track spending together, fostering financial harmony.
- It aids in setting shared financial goals and celebrating milestones together.
| Pros | Cons |
|---|---|
| Connect accounts and see finances together for easy shared budgeting. Create spending categories and personalize how you track your money. | Doesn’t offer access to your credit score within the app. Requires a yearly fee after a free trial period. |
Pricing:
- Free 7-Day Trial
- $8.33/month (Annual Plan)
- $14.99/month (Monthly Plan)
Link: https://www.monarchmoney.com/
9. Simplifi by Quicken
Simplifi is another Mint alternative(free). It’s good for people wanting a budgeting app with many features. It sorts your money dealings, allows you to settle bills, and assists with setting targets.
Features:
- Simplifi makes a budget based on your cash inflow and outgoings.
- It tracks accounts, debt repayments, and aims all in one location, giving you a total financial overview.
- It allows users to set goals and watch their savings grow with Simplifi’s automatic tools.
| Pros | Cons |
|---|---|
| Easy to navigate and understand, even for budgeting beginners. Offers comprehensive features like bill pay, automatic categorization, and goal setting for well-rounded management. | Budget classes and functions might not be customizable as some competitors. There’s a monthly or yearly fee after the free trial period expires. |
Pricing:
- Free 30-Day Trial
- $3.99/month (Annual Plan)
Link: https://www.quicken.com/products/simplifi/
10. Rocket Money
Rocket Money is another option for those seeking a free budgeting app and is an alternative to Mint (free). It assists with automatic bill negotiations and provides savings tools. This Mint alternative offers useful features for managing personal finances.
Features:
- It negotiates your bills to lower them, saving you cash.
- It helps you automate saving money with Rocket Money’s built-in tools.
- IT connects your accounts and tracks spending alongside bill management (may require a premium plan).
| Pros | Cons |
|---|---|
| Saves you money by automatically negotiating lower bills. Helps you save effortlessly with built-in automation tools. | May require a paid subscription for full budgeting features. Bill negotiation success fees can eat into savings depending on results. |
Pricing:
- Free version available.
- Free 7-Day Trial (Premium Plan)
- $4/month (Annual Premium Plan)
- $12/month (Monthly Premium Plan)
Link: https://www.rocketmoney.com/
Conclusion
While Mint is a popular financial tool, there are many alternatives available that cater to different needs, whether it’s more privacy-focused options, more detailed reporting, or specialized features like investment tracking or debt management. Tools like YNAB, PocketGuard, and Personal Capital offer great options depending on your personal finance management style. By understanding your financial priorities and goals, you can find the perfect tool to help you manage your budget and savings more effectively in 2025.
