Mint shut down in January 2024. What replaced it? This guide compares the current landscape of budgeting apps for American users, with honest assessments of who each app works for — and who it doesn't.
The post-Mint landscape (2026)
Mint's closure sent millions of users searching for alternatives. Intuit redirected them to Credit Karma — a credit monitoring service, not a budgeting app. The replacement landscape is fragmented but has some strong options.
Comparison of major US budgeting apps
| App | Cost | Bank sync | Best for |
|---|---|---|---|
| YNAB | $99/year | Yes (Plaid) | Envelope-method devotees |
| Copilot | $156/year | Yes (Plaid) | iPhone users who want beautiful UI |
| Monarch Money | $99/year | Yes | Families, couples budgeting |
| Tiller | $79/year | Yes | Spreadsheet people |
| CashControlly | $19.90 one-time | Manual (privacy) | One-time payment, no subscription |
| Spreadsheet (Excel/Sheets) | Free | Manual | Power users |
The bank sync question
Most US budgeting apps sync via Plaid, which requires connecting your bank credentials through a secure API. After the Plaid settlement with the FTC and various data concerns, more users are choosing manual-entry apps that don't require bank access. There's no right answer — it's a personal tradeoff between convenience and privacy.
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