Mint Alternatives 2026: 5 Options, 3 Free
Mint alternatives: Actual Budget, Firefly III, GnuCash, Monarch Money and 1 more. Prices and licenses checked October 25, 2026.
•3 min read•Personal Finance & Investing
Verdict:Mint is no longer a standalone app, so if you are here you probably need a replacement rather than a comparison. Intuit's Mint page now says Mint has been reimagined on Credit Karma, and tracking spending and net worth there is not the same as the budgeting you had. Monarch Money is the closest like-for-like option: automatic account sync and shared budgets, at $14.99 a month or $99.99 a year, and no free plan. If you want to pay nothing, Actual Budget and Firefly III are open-source apps you host yourself, which means you maintain them and handle bank syncing yourself. GnuCash is the third free choice and works best if you already think in accounts and ledgers. Tiller is for people who want transactions flowing into a spreadsheet, with a 30-day trial then $99 a year. The trade-off is convenience versus control. Paid apps do the bank connections for you, while free ones ask you to enter or import transactions. If you want automation, pay for Monarch; if you value privacy and own data, host Actual Budget.
Quick comparison
| Tool | Price | Platforms | Best for | Tested |
|---|---|---|---|---|
| Actual Budget | Free (Open-source app you host yourself; the repository lists no paid tier) | Web (self-hosted) | Self-hosted envelope budgeting | Docs only |
| Firefly III | Free (Open-source personal finance manager you host yourself; no paid tier in the repository) | Web (self-hosted) | Detailed self-hosted tracking | Docs only |
| GnuCash | Free (double-entry accounting program with no price on its site) | Windows, macOS, Linux | Double-entry personal books | Docs only |
| Monarch Money | Paid from $14.99 per month, billed monthly ($99.99 per year billed annually) | Web | Easy automatic budgeting | Docs only |
| Tiller Money | Paid from $99 per year, after a 30-day free trial | Google Sheets | Spreadsheet-based budgeting | Docs only |
| YNAB | Paid from $14.99 per month, billed monthly ($109 per year billed annually; 34-day free trial) | Web | Budgeting | Docs only |
| Quicken Simplifi | Paid from $3.99 per month, billed annually ($6.99 also shown) | Web browser, iOS, Android | Personal Finance | Docs only |
| Empower Personal Dashboard | Free (The dashboard experience and financial tools are free; separate advisory services charge fees based on assets managed) | Web | Net worth tracking | Docs only |
Independent comparison. Paid placements are labelled separately; editorial links earn no affiliate commissions. Learn more.
Good fit if
- You want automatic budgeting and will pay (Monarch Money is the pick)
- You want free envelope budgeting you control (Actual Budget is the pick)
- You want detailed self-hosted tracking (Firefly III is the pick)
- You live in spreadsheets (Tiller Money is the pick)
Not ideal if
- You rely on Mint features or integrations that these tools do not replicate
Mint today: See pricing page (Mint: what changed, checked 2026-10-23).
Why people look for Mint alternatives
Intuit's Mint page now says Mint has been reimagined on Credit Karma. It tells users that reviewing transactions, monitoring spending and tracking net worth now have a new home there, with a link to a Credit Karma signup page. Mint is no longer a standalone budgeting app, so anyone who wants a dedicated budgeting tool, offline data or their own copy of their records has to choose a replacement.
What changed at Mint
Intuit's Mint page now says Mint has been reimagined on Credit Karma, so Mint no longer exists as a standalone budgeting app. (Mint: what changed)
Actual Budget
Compared with Mint: MIT-licensed open-source budgeting app you host yourself with no paid tier. You lose Mint's automatic bank connections out of the box and must set up syncing.
Price: Free (Open-source app you host yourself; the repository lists no paid tier) (Actual Budget pricing, checked 2026-10-22).
Platforms and license: Web (self-hosted). MIT (open source).
Project activity: 29.8k GitHub stars · latest release v26.10.0 (Oct 2, 2026) · last commit Oct 27, 2026
Best for: Self-hosted envelope budgeting.
Firefly III
Compared with Mint: AGPL-3.0 personal finance manager you host yourself, free. It tracks accounts and budgets with more setup than Mint required, and no built-in bank feed by default.
Price: Free (Open-source personal finance manager you host yourself; no paid tier in the repository) (Firefly III pricing, checked 2026-10-22).
Platforms and license: Web (self-hosted). AGPL-3.0 (open source).
Project activity: 25k GitHub stars · latest release v6.7.9 (Oct 11, 2026) · last commit Oct 26, 2026
Best for: Detailed self-hosted tracking.
Worth knowing: Self-hosted, so you run the server and back up the database yourself. The repository describes it as a personal finances manager.
GnuCash
Compared with Mint: Free double-entry accounting software with no price on its site. Far more accounting-minded than Mint, with a steeper learning curve and a desktop focus.
Price: Free (double-entry accounting program with no price on its site) (GnuCash pricing, checked 2026-10-22).
Platforms and license: Windows, macOS, Linux. GNU GPL (open source).
Best for: Double-entry personal books.
Worth knowing: It is a desktop program, so it has no built-in bank feeds or online invoicing.
Monarch Money
Compared with Mint: Paid at $14.99 a month or $99.99 a year, with no free plan. The closest Mint-style app with account sync and shared household budgets.
Price: Paid from $14.99 per month, billed monthly ($99.99 per year billed annually) (Monarch Money pricing, checked 2026-10-23).
Platforms and license: Web. Proprietary.
Best for: Easy automatic budgeting.
Tiller Money
Compared with Mint: $99 a year after a 30-day trial, putting your transactions into spreadsheets. It suits spreadsheet fans but is not an app with Mint's dashboard.
Price: Paid from $99 per year, after a 30-day free trial (Tiller Money pricing, checked 2026-10-23).
Platforms and license: Google Sheets. Proprietary.
Best for: Spreadsheet-based budgeting.
Other popular options (paid)
YNAB
Compared with Mint: Budgeting-method app at $14.99 monthly or $109 billed annually, with a 34-day trial and no ongoing free plan. Mint has no replacement from Intuit, so this is a paid, hands-on budgeting route.
Price: Paid from $14.99 per month, billed monthly ($109 per year billed annually; 34-day free trial) (YNAB pricing, checked 2026-10-23).
Quicken Simplifi
Compared with Mint: Listed from $3.99 per month billed annually, with no free plan. The membership renews automatically each year at the then-current price, so check the renewal price before committing.
Price: Paid from $3.99 per month, billed annually ($6.99 also shown) (Quicken Simplifi pricing, checked 2026-10-25).
Empower Personal Dashboard
Compared with Mint: Free dashboard and financial tools for tracking accounts and net worth. Separate advisory services charge fees based on assets managed, so the free part is the closest to Mint's no-cost tracking.
Price: Free (The dashboard experience and financial tools are free; separate advisory services charge fees based on assets managed) (Empower Personal Dashboard pricing, checked 2026-10-23).
Which one to pick
- You want automatic budgeting and will pay: Monarch Money
- You want free envelope budgeting you control: Actual Budget
- You want detailed self-hosted tracking: Firefly III
- You live in spreadsheets: Tiller Money
Limits of this review
Docs-only for Actual Budget, Firefly III, GnuCash, Monarch Money, Tiller Money: we did not install or run them, so feature claims come from vendor pages and we did not test import from Mint. Vendor prices and free limits change; confirm on the linked pricing page before you buy or migrate.
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Kevin Fan
Kevin Fan is a SaaS founder. He runs Free Instead Of, which tracks free and open-source alternatives to paid software and checks each price and free-plan limit against the vendor's own pages.
Methodology
Based on official pricing and product pages checked between 2026-10-22 and 2026-10-25: Mint, Actual Budget, Firefly III, GnuCash, Monarch Money, Tiller Money, YNAB, Quicken Simplifi, Empower Personal Dashboard. Prices, free limits and licenses are the figures shown on those pages on those dates. No tool on this page was installed or run. No accounts were created.