If you have a lot of financial accounts, it can be hard to manage them. It is possible to keep track of all your accounts in one place with a budgeting tool. Mint.com set out to solve that problem when it was first released. Mint.com has become a go-to tool for budgeting and personal finance management, helping users track their spending and save money.
Mint is a good money management tool. You can see all of your accounts in one place, stay on top of your bills, create budgets, and access your credit score with it. It’s a great way to take control of your finances.
Mint does an excellent job of helping people with their budgets, but there are other great alternatives. Alternative budgeting tools can help people find ways to save money.
11 Best Mint Alternatives for 2023
Here are the 11 best Mint alternatives to help you manage your finances more effectively:
- Personal Capital
- YNAB
- Quicken
- Pocket Guard
- Albert
- Mvelopes
- Wally
- Money Manager
- Goodbudget
- Bluecoins
- Wallet
1. Personal Capital
Best Overall
Since 2009, Personal Capital has been around, but it has gained popularity in the past few years.
It is more focused on tracking your net worth and investments, but it also has a budgeting section that offers the same income and expense tracking as Mint. Users can track income and expenses, set goals, and view detailed budgeting reports that are tailored to their individual financial needs.
You can link your financial accounts with the app. It helps you reach your financial goals by giving you insights into your spending trends. Every time you spend money, your purchases will be categorized in the budgeting section and you may have to manually change the category on some purchases. You will be able to make informed decisions about how to best allocate your financial resources if you know where your money is going. In the example above, you can see that this categorization can be as general groups, or in fields that better work for you. It’s up to you to decide which type of categorization is right for you.
For any time frame, you can then see which expenses take up what percentage of your personal budget, and what your savings rate is.
PRICING
The software is free to use. It doesn’t require a subscription or payment to access its features.
PROS
- Powerful, web-based software that’s totally free
- Desktop and mobile app versions
- Ad-free, so you can manage your budget distraction-free
- 360-view of your entire financial portfolio, not just your monthly budget
CONS
- You will get emails and popups from Personal Capital if you sign up for their wealth management services. The wealth management services of Personal Capital are designed to help you make the most of your money.
- It is safe and secure, but linking your sensitive accounts can cause concern. It is important to consider the benefits of linking your accounts.
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2. You Need a Budget (YNAB)
YNAB is a budgeting app. YNAB can help you reach your financial goals. It does budgeting and does it well, but not much else. It’s very easy to use, so you’ll be able to start right away. As it looks to make its user into savvy budgeters, it emphasizes financial education. Financial education helps users make informed decisions and build healthy financial habits. The newest version of the YNAB app has a clean interface – something Mint users will appreciate.
You used to have to manually import your financial information into YNAB. This is no longer the case. Technology is more accessible now than it has ever been. You can log into your bank, credit cards, and automatically import data in the newer versions. It is easier for users to keep track of their finances.
The #1 rule of YNAB is to give every dollar a job. Zero-based budgeting requires you to assign a purpose for every dollar in your budget, which can help you make sure your money is being used efficiently. Zero-based budgeting has no money left over because every dollar is accounted for. Zero-based budgeting requires a rigorous assessment of every expense, ensuring that only necessary expenses are allocated funds.
It teaches you not to cut out expenses you don’t want to keep.
It has a cult-like following and is worth a try. This product lives up to the hype and has become popular.
When paid annually, a 34 day free trial is as little as $7 per month.
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3. Quicken
The most established personal finance software is Quicken. If you want to be able to handle your investments, taxes, and budgeting in one app, then you can’t get much better than Quicken. You can make sure you are making the most of your money by making it easy to manage your finances.
Someone with a net worth of $10 million can use Quicken. It is possible to manage your finances regardless of your net worth, as well as provide valuable insights to aid in making sound financial decisions.
In terms of being an alternative to Mint, Quicken lets you view all of your transactions and accounts in a single place, create and manage spending categories, see how much you’ve spent and how much you’ll have left after you pay your bills, set savings goals and more.
You can see transactions by household member. You can use the budgeting tools offered by Quicken to keep track of your spending.
A 30-day free trial is included in the price. During your free trial period, you will have access to all of our features.
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4. PocketGuard
PocketGuard is a simple, mobile-only budgeting app that helps you keep track of your daily spending while also finding new ways to maximize your budget. Real-time notifications allow you to stay on top of your finances.
Like many of these apps, it works by having you link your checking account, investments, and credit cards to automatically pull in your income and expenses. All of your transactions and income will be pulled in once everything is linked. This system will allow you to easily track and monitor your finances.
It’s “safe to spend” metrics is different from other apps, it’s how much you can safely spend without going over budget. Users can better manage their finances with this feature. The only way to contact them is through the app. If you have a question, they offer customer service via email.
The proactive approach makes it worthy of a spot on this list. Anyone looking to take an active role in their personal development can use it.
The price is $4.99 per month or $34.99 annually. Signing up for an annual subscription can save you money.
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5. Albert
Albert does more than just budgeting. It helps you transfer cash, invest, set savings goals, and guide you through various financial decisions. It’s a convenient way to take control of your finances.
For the free, self-managed app, Albert lets you:
- View all of your accounts in one place, set up a budget and see how much you have left to spend for the month
- Save automatically, either by a fixed amount or using their “Smart Savings” algorithm, which determines how much you can safely save at any given point. You can achieve your financial goals if you build up a healthy savings balance. The savings account can be moved to another account at any time. With the added security that your funds can be transferred quickly and easily, the Albert app makes managing your savings simple and convenient. Note: They’ll give you a bonus of 0.10% (or 0.25% for Genius subscribers), but you can beat this by a lot with most high yield savings accounts.
- You can lower your bills with Billshark. The company says they can help you save up to $250 a year. If you use the right products and services, they can help you save even more money.
- Instant, interest-free cash advances of up to $100 are available. You can focus on what matters most if you bridge financial gaps.
You will have to pay if you want access to their “geniuses” for guided investing, account monitoring, additional bonus to your savings, or financial advice. Depending on the financial institution, you may be able to access some of the services for free.
The interface is clean and easy to use, and gets high praise from its users, regardless of which you choose. The app has been downloaded millions of times so you can be sure that it is enjoyable.
PRICING
Albert Genius charges a minimum of $4 per month, but most customers pay at least $6.
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6. Mvelopes
Mvelopes is a budgeting app. Mvelopes use digital “envelopes” instead of paper ones. Mvelopes allows you to stay on top of your finances with greater ease.
The benefit of doing it digitally is that you can link your financial accounts. This can save you a lot of time.
The app is easy to use. It can be downloaded as an app on your phone or as a web-based version. There is no free option. Before committing to a solution, it is important to consider the cost. If budget envelopes help prevent you from overspending, the fee could be worth it.
60-day free trial then $6-19 per month. There are no long-term commitments required.
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7. Wally
Over the years, the app has evolved.
There was a need for a more hands-on approach. He has grown to be more independent because of time and patience. All transactions had to be entered manually because you couldn’t link your bank account. It was difficult to budget and track spending. For that reason, some people preferred that approach over the others. It was a great way to get things done quickly and efficiently.
You can sync your accounts and track your spending with the help of Wally. It’s easier to stay on top of your finances now that you can quickly view a clear summary of your spending habits. One cool feature is that once you sync your accounts, Wally instantly shows you insights on the past 2 years of spending. If you want to make smart decisions about your finances going forward, Wally provides budgeting advice. Instead of waiting until you use the app for a few months, you might find ways to maximize your budget right from the start.
You can set savings goals with the help of Wally. You can stay on top of your finances if you track your progress towards those goals. Saving 20% of your income is recommended by the app. The 20% savings target is only a recommendation and you can adjust it depending on your financial situation.
You know how much you have left to spend when you see your remaining budget. You can use this budgeting tool to stay on top of your finances.
PRICING
Basic version for free, or premium version for $24.99 per year. You can choose to have individual features for $11 per year. Regardless of which plan you choose, Wally Gold will help simplify your finances and make budgeting easier.
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8. Money Manager: Budget Planner
The Money Manager Budget Planner app was created by learnings.ai and it hasn’t been around long, so you won’t find it in many list articles. The Money Manager Budget Planner app is gaining traction as more users discover its features. It is rated very well on the Apple App Store. The app has been downloaded millions of times, making it one of the most popular apps.
Budget apps have features such as creating graphs and budget categories, but you can also set daily reminders to enter your expenses. You can use these reminders to stay on top of your budget. The app cannot be linked to your bank and credit cards. You won’t be able to get the most out of it if you don’t link the app to your bank and credit cards.
The app is free and there are no ads to distract you. It is easy to use and navigate, making it a great choice for beginners.
PRICING
The app is completely free. It is easy to use, so give it a try.
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9. Goodbudget
Goodbudget has some unique features that make it stand out. Goodbudget allows users to share their budget with other people, making it a great app for couples, roommates, and family members who are all trying to stay on the same page financially. You can sync your budget to multiple devices and share it with a partner. You can set up automated notifications to alert you when there are changes in your budget, so you never miss an important update.
You can set scheduled transactions and envelope fills with the app. You will be able to see how much you have left in each of them.
PRICING
Premium version for $7 per month or $60 per year is the basic version.
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10. Bluecoins Finance
It is unfortunate that Bluecoins Finance is only available on the phone. This one is a manual expense tracking app, but it does a great job. It is easy to use for those who are not tech savvy.
Bluecoins is very easy to use. Users can use Bluecoins to manage their finances. Your expenses will be remembered when you enter them. When you enter the same expense again, it will be filled in for you. It will be able to autofill expenses you previously loaded into the app. You won’t need to enter the same data multiple times as a result of this feature.
PRICING
One-time cost of $8
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11. Wallet by BudgetBakers
BudgetBakers has an app called Wallet. A full picture of your financial health is provided by this app.
The interface is simple and colorful. The interface is easy to use. The app can sync with over 15,000 banks. Users can access their bank accounts from anywhere in the world. This is a premium feature. The premium feature is worth the investment. The free version requires you to manually enter transactions. You can connect to your bank accounts with the premium version.
This app has a lot of features. It’s no wonder that this app is so popular. This is a great app because you can export your budgets to an excel file, share your expenses, and generate budget reports to help break it all down. The app allows you to set up budget goals and track your progress towards them, giving you more insight into your spending habits.
The ability to rate your transactions is an insightful feature. You can easily see which transactions are going well and which ones need more attention. It’s a good idea to reflect on your spendingand where you can clean up. Reflecting on your spending can help you make better financial decisions in the future.
PRICING
Basic version for free or premium version for $21 per year. The premium version has access to exclusive features.
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Why are users looking for Mint alternatives?
Here are some of the common frustrations that customers of Mint experience while using this platform:
- Mint.com users complain about syncing issues. Mint.com has easy steps to help users get back on track. It can take a long time to get unreliable connection to your bank accounts fixed. This can leave you unable to access your finances when you need them the most.
- Mint is free because it depends on ad revenue. Many users complain that the number and size of the ads distract them while using the app. Some users find that the ads detract from their experience.
- Mint assumes the data downloaded from your bank is always correct, so you can’t reconcile your numbers. If you notice any discrepancies between your bank’s records and Mint’s data, it’s best to contact your bank.
- Many users complain about how long it takes to correct how Mint categorized their transactions. Mint gives users the ability to manually change their transaction categories and set up rules for automatic categorization of similar transactions in the future. Mint.com doesn’t learn from manual updates, so you’ll need to manually adjust every time a bill hits your account.
- Users with variable income have expressed frustration in having to set rigid budgets that aren’t reflective of their actual month-to-month reality Many feel like they’re always playing catch up with their finances because of budgeting fatigue.
- Mint.com is a great budgeting tool, but it is too narrowly focused. Mint.com is an excellent place to start, but for more comprehensive financial advice, it may be necessary to consult a qualified financial planner. If you are concerned about retirement planning, net worth, or more robust investment tracking, then some of the options below might be a better fit. You can get a better handle on your finances with a financial tracking app.
- Mint Bills was merged into Mint itself. The bill pay features that Mint used to offer are no longer available. The feature has since been abandoned. Many users found the feature helpful at first, but it wasn’t as successful as they had hoped.
What App is Most Similar to Mint?
Mint has the same basic functions as many budgeting apps: how much you have in your bank account, credit card balances, investments, etc. When it comes to look and feel, though, the most similar site is one that has become more popular recently – Personal Capital.
Both sites have your balances on the left side of the screen with more detailed information in the center panel. With a single glance, you can quickly check your balances and view more details.
Is There Something Better than Mint?
Nowadays, many people are big on Personal Capital in addition to You Need a Budget (YNAB). ads and sync issues are the biggest complaints about Mint. The lack of budget customization options in Mint has been complained about by many users.
YNAB has a monthly fee, but Personal Capital makes money from its financial planning services. Both services are committed to giving users a secure and reliable experience when it comes to managing their finances.
None of the apps do everything the same. It’s worth trying all of the apps to find the best one for you. Each of the apps has its own unique features and advantages, so it’s worth trying them all out to find the best one for you. We have options, which should allow you to find the app that works best for you.
Can You Use Mint Without Linking Accounts?
It is possible to do that. Mint gives you the option to add offline bills that don’t have to be verified by linked accounts.
You can create a budget manually in the budgets section of the site. This budget can be adjusted to fit your needs. Here, you’ll be able to manually enter your income, monthly expenses, investments, taxes, and so on.
One budget for income and one for each category of expense is what you create for each item. It is odd to do it that way since each of these items will be added/subtracted from your budget. It’s important to keep track of your budget and make sure you stay within it.
If you prefer to use Mint without linking accounts, this option is available. If you don’t want to link your accounts, Mint has a manual entry option that you can choose from. You can also add goal tracking, such as paying off credit cards, taking a trip, buying a home, etc. Account linking is not required for goal tracking. It’s a great way to stay motivated and keep track of progress.
Is Mint the Best Budget App?
If you are satisfied with Mint, it is probably fine. There are many other options if you’re looking for a more advanced budgeting tool.
Users who have been plagued by recurring issues with Mint haven’t been able to resolve them easily. Many users feel that they haven’t been given enough help to solve their problems.
It may be time to look elsewhere if you have any of these issues.
Every budgeting app works differently. Picking one that works best for your lifestyle and financial goals is important. Mint may not be the best budget app if you are looking for something more hands-on. Some budgeting apps are designed to help you save and invest your money.
It comes down to what is most important. It is important to remember that you have the power to make your own decisions.
