What replaced Mint budgeting app?

Monarch Money (paid, $99/yr) is the closest feature match. Empower is free but investment-focused. YNAB is popular but costs $109/yr. No free app has emerged to replace Mint's free bank-sync model.

Why did Mint shut down?

Intuit discontinued Mint in March 2024 to push users toward Credit Karma, which Intuit also owns. The migration path was widely criticized as inferior.

Is there a free budgeting app with bank account sync?

Empower (formerly Personal Capital) is free with bank sync but focuses on investments. Rocket Money has a free tier for subscription tracking. No free app matches Mint's full transaction categorization and budget tracking.

How many Mint users were affected by the shutdown?

Mint had approximately 23M registered users at shutdown. Most migrated to paid alternatives, with Monarch Money seeing a significant surge in signups.

What is the best free alternative to Mint for iPhone?

Copilot is iOS-only but requires a paid subscription. Empower is free on iOS with bank sync. Rocket Money offers a free tier. No single app replicates Mint's free-forever model.

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clawsmith.com/signal/mint-shutdown-no-free-mobile-budgeting-app

⚠ IssueCompetitivemobile_appLive

Mint shutdown left 23M users with no free mobile budgeting app that auto-syncs bank accounts

Mint closed in March 2024 and all alternatives require paid subscriptions: Monarch Money ($99/yr), YNAB ($109/yr), Copilot (iOS only). Empower is free but investment-focused. Millions of users want a free app that connects to bank accounts, auto-categorizes spending, and tracks net worth on mobile with no account required.

Score Breakdown

671

Social Proof 3 sources

Ask HN: What is your financial setup?

12/21/2019

343 HN

Mint is shutting down, and it's pushing users toward Credit Karma

11/2/2023

323 HN

Ask HN: RIP Mint. What is your go-to money management app and why?

4/27/2024

Existing Solutions 2 competitors

Empower Personal DashboardLarge user base; free tier but investment-product focused

Free budgeting app with bank account sync, investment-focused

Monarch MoneyFastest growing Mint replacement post-2024 shutdown; /yr

Comprehensive budgeting app with bank sync and net worth tracking

Gap Assessment

CompetitiveMarket has established players

Market is actively contested (Monarch, YNAB, Copilot, Empower, Rocket Money) but no dominant free option with bank sync exists post-Mint; free tier is the clear gap all incumbents left open.

Frequently Asked Questions

Virality Score

671

across 0 platforms

Details

Signalissue

Ecosystemmobile_app

Sources3

Platforms0

Updated1d ago

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404No free mobile budgeting app fills the Mint-sized hole