Best Mint.com Alternatives

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If you have numerous financial accounts, managing them all can seem like a pain. This is the problem Mint.com set out to solve when it was first released back in 2006.

Back then, it did an excellent job of helping people with their budgets. But its days may be numbered as many people look for Mint.com alternatives.

11 Best Mint Alternatives

In this article, we’ll take a look at many of those Mint alternatives and why they could be the budgeting solution you need to manage your finances more effectively.

1. Personal Capital

Personal Capital has been around since 2009, but it has gained quite a bit of popularity in the past few years. Personal Capital focuses a bit more on investments and tracking your net worth, but it also has a budgeting section to track your expenses and income.

The app allows you to link all of your financial accounts; then, any time you spend money, your purchases will automatically be categorized in the budgeting section. Occasionally they are inaccurate, so you may have to change the category on some purchases manually.

One of the nice things about Personal Capital is that there are no ads to be found. So, you can manage your budget and grow your wealth distraction-free.

 

2. You Need a Budget (YNAB)

ynab logoYNAB is a budgeting app. No, really – it does budgeting, and does it well – and not much else. It also emphasizes financial education as it looks to make its user into savvy budgeters. The newest version of the app has a clean interface – something Mint users will appreciate.

In the past, you had to import all of your financial information into YNAB manually. This is no longer the case. In the newer versions, you’re able to log into your bank, credit cards, etc., and automatically import data.

YNAB is generally based on the concept of zero-based budgeting: its #1 rule is to give every dollar a job. Such is the case with zero-based budgeting, where you have no money left over because every dollar is accounted for.

At the same time, it teaches you not to pinch pennies by cutting out expenses you’d prefer to keep.

The biggest drawback to YNAB is probably that it isn’t free; it costs $6.99 per month. However, it has a 34-day free trial. Given that it has a near cult-like following, it’s worth a try.

 

3. PocketGuard

pockguard logoPocketGuard is a simple, mobile-only budgeting app that helps you keep track of your daily spending while also finding new ways to optimize your budget.

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. Once everything is linked, it will automatically pull in all of your transactions and income.

What it does that is slightly different from other apps is it’s “safe to spend” metrics – how much you can safely spend without going over budget. The app is currently mobile-only, and you can’t contact them by phone. It costs $3.99 per month or $34.99 annually.

Still, it’s simple, and the proactive approach makes it worthy of a spot on this list.

 

4. Wally

wally investing logoYou might enjoy Wally if you prefer a more hands-on approach. You can’t link it to your bank and other accounts, so all transactions have to be entered manually. But, again, you may like this app if you prefer that approach.

Wally shows you your daily spending and allows you to set savings goals. You set savings targets manually, but the app recommends saving 20% of your income.

You’ll also see your remaining budget, so you immediately know how much you have left to spend. The interface is clean, and this is a free app; you may want to try if it if account linking is not a must.

 

5. Mvelopes

mvelopes logoMevelopes is a budgeting app based on the budget envelope system. With Mvelopes, you use digital “envelopes” instead of paper ones.

The benefit of doing it digitally is that you can link your financial accounts; thus, you can track your budget categories automatically.

The app has a simple-mobile friendly interface and is easy to use. There is, unfortunately, no free option, and plans start at $4 per month. The fee could be worth it, though – especially if budget envelopes help prevent you from overspending.

 

6. MoneyStrands

moneystrands logoMoneyStrands does a lot of things right. It syncs your accounts, allows you to set savings goals, gives you an “OK to spend” figure, and, of course, allows you to set a budget.

It also has beautiful graphs to show your expenses, which is great if you’re a visual person. The app’s interface is also very clean, in general. Another interesting feature of the app is you can anonymously compare yourself to people with similar income levels to see where you stand.

Some users have reported issues syncing their bank accounts to the app, which seems to be the biggest complaint. The app is free, with no subscription costs.

 

7. Albert

albert logoEinstein was brilliant, and this budget app is, too. If you especially enjoy simple, clean interfaces, Albert might be the best app on this list. It only uses a few colors – and that is not a bad thing.

But Albert does more than just budgeting. It helps you transfer cash, invest, set savings goals, and its “Geniuses” (a nod to Mr. Relativity himself) will guide you through various financial decisions.

You do have to pay for Genius help, but the nice thing is that you can use the app without Genius guidance, in which case the app is free. Nicer still, although you have to pay for their help, there isn’t a set cost. The minimum cost is $4/month, but they say most customers pay at least $6.

 

8. Money Manager: Budget Planner

The Money Manager Budget Planner app was created by learnings.ai and you won’t find it being mentioned in very many list articles, probably because it hasn’t been around very long. However, It’s rated exceptionally well on the Apple App Store.

In addition to the features most other budget apps have, such as creating graphs and budget categories, you can also set daily reminders to enter your expenses. However, doing so is necessary because you can’t link the app to your bank and credit cards.

Still, the app is free, it creates nice visualizations, and there are no ads to distract you.

 

9. Goodbudget

goodbudget logoGoodbudget is another budget envelope app, but it has some unique features that set it apart. For example, you can sync your budget to multiple devices and share your budget with a partner.

The app creates spending graphs, lets you create customizable spending periods, and set scheduled transactions and envelope fills. Plus, you’ll see all of your “envelopes” laid out, showing how much you have left in each of them.

There are two plans for this – one is free, and one is $5 per month/$45 per year. The paid plan expands upon existing features.

 

10. Bluecoins Finance

bluecoins app logoBluecoins Finance is only available on Android, which is unfortunate because it’s an excellent budget app. This one is a manual expense tracking app, but it does a great job without being overly complicated.

Bluecoins is great because of how seamless it is. You enter your expenses, and they will immediately be remembered. Plus, it will then be able to autofill expenses you previously loaded into the app.

Rather than a monthly subscription, this app has a one-time cost of $8.

 

11. Wallet

wallet app logoRounding out this list is the app that’s called Wallet from BudgetBakers.

It has a colorful yet simple interface. According to Wallet, the app can sync with over 3,500 banks worldwide. However, if your bank isn’t supported, there is manual expense tracking, too.

This app is seriously feature-packed. You can export your budgets to an Excel file, share your expenses, and generate budget reports to help break it all down, making this a great app.

 

What Is Similar to Mint?

Many budgeting apps achieve a lot of the same basic functionality as Mint: how much you have in your bank account(s), 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.

On a desktop, at least, both sites have your balances laid out in the panel on the left side with more detailed information in the center panel.

Is There Something Better than Mint?

Nowadays, many people are big on Personal Capital in addition to You Need a Budget (YNAB). The biggest complaints about Mint seem to be ads and synchronization issues.

Neither Personal Capital nor YNAB has ads; Personal Capital makes money from its financial planning services, and YNAB has a monthly fee.

But as usual, all of these apps do things a little differently, and none of them do everything. Nowadays, though, at least we have options, which should allow you to find the app that works best for your budgeting style.

Can You Use Mint Without Linking Accounts?

Yes, it’s possible to do so. Under its bills section, Mint gives you the option to add “offline bills” that don’t have to be verified by linked accounts.

For a more complete approach, you can manually create a budget in the budgets section of the site. Here, you’ll be able to manually enter your income, monthly expenses, investments, taxes, and so on.

You create separate “budgets” for each of these items; for example, one budget for income and one for each category of expense. It’s a bit strange to do it that way since each of these items will be added/subtracted from how much you’ve budgeted in the right pane.

In any case, this option is there if you prefer to use Mint without linking accounts. You can also add goal tracking, such as paying off credit cards, taking a trip, buying a home, etc. Goal tracking doesn’t require account linking.

Is Mint the Best Budget App?

mint alternativesMint can still work, and if you’re satisfied with it, then it’s probably fine.

However, some users have been plagued by recurring issues with Mint, and they haven’t been able to resolve them easily.

If you have any of these issues, it may be time to look elsewhere.

Plus, as mentioned, every budgeting app works differently. If you’re looking for something more hands-on, or more investing focused, Mint may not be the best budget app.

Ultimately, it comes down to what you find most important.

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