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Mint alternative: what to use now that Mint is gone

Mint closed on March 23, 2024, and Intuit moved its users to Credit Karma. For free spending and net worth tracking with a credit score, use Credit Karma. For a budgeting app closest to Mint, use Monarch, built by Mint's first product manager, at $99.99 a year. If you already ask Claude or ChatGPT about money, you can skip the app. With Candor, your agent does Mint's job. It sorts your spending, sets up a budget from your real accounts, and every week Candor tells it what changed and what's worth talking through.

Try one money check-in with your own agent before you pick an app.

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Read-only. Never moves money.

What you ask your agent, and the page it reads in Candor

You

What's worth talking through this week?

Your agent

Two things. Your first home is $180 a month short of its plan, and shopping is $36 over with nine days left in the month. This week's review says shopping is the line the home fund gives way to. Want to go through this month's shopping together?

Monday, September 213 connections, synced today

Today

Worth a look2

  • Our first homeBehind its plan to reach it by September 2028.$180 a month short
  • Shopping$236 of $200, with 9 days left in the month.$36 over

This week’s review

Sep 21

Your agent is looking into 3 things from Candor’s review.

  • Shopping is eating into the home fund

    Set aside

    Shopping has run past its line this month, and it's the line the home fund gives way to.

  • The car is almost paid off

    Set aside

    The Capital One loan has under a year left, and that payment is about what the home fund is short each month.

  • The brokerage and the house

    Set aside

    The Vanguard account is all in stock funds, and nothing says whether any of it is meant for the down payment two years out.

  • Spotify charged twice

    Your agent looked: One charge was a duplicate. You asked Spotify to refund it.

Your agent may ask about

  • whether closing costs come on top of the down payment
  • when the lease ends

September so far

Budget

Spent

$2,810.50

$223.68 under your budget’s pace

Day 21 of 30of $4,100.00
Bills left this month
$412.48 to go
$2,016.40 paid so far. Next: Comcast Sep 25, GEICO Sep 28, and 1 more.
Budget lines
Shopping is over.6 on track.

Coming up this week

Recurring
  • Sep25Comcast$79.99

Where you stand

Accounts

Net worth

$84,640.22

▴ 2.6% since Aug 21

Cash on hand
across 2 accounts

$12,810.40

You owe
Cards and loans

$3,520.18

Candor with sample data.

How it works with your agent

  1. 1

    Create a Candor account and link your accounts through bank-grade sign-in.

  2. 2

    Copy one setup message into Claude, ChatGPT, or your agent, and approve its access.

  3. 3

    Ask where your money went last month; your agent answers from your records with the figures.

  4. 4

    What you decide, such as a budget, a goal, or a charge you keep, is saved with its reason.

What happened to Mint?

Intuit announced on November 2, 2023 that it would close Mint, and the app shut down on March 23, 2024. Intuit sent Mint users to Credit Karma, which it also owns. Users who moved before the deadline could bring their linked accounts, net worth, and Mint transaction history to Credit Karma. Mint profiles that were not moved are gone.

Credit Karma took over Mint's net worth and spending tracking, but it is a different product. Mint was a free budgeting app; Credit Karma is a free credit and net worth app that recommends credit cards and loans. That gap is why so many Mint users went looking for a replacement.

What is the best Mint alternative?

It depends on what you used Mint for. For free tracking and a credit score, Credit Karma. For a budget you share with a partner, Monarch. For hands-on budgeting, YNAB. For cancelling subscriptions, Rocket Money. For a well-designed app on Apple devices, Copilot Money. If you already use Claude or ChatGPT, Candor lets your agent keep the budget in place of an app.

Every option below links your accounts and tracks spending. They differ on price, who does the budgeting, and whether your AI agent can use them.

Mint alternatives, checked October 30, 2026. Prices and AI features change often; check each vendor's page before buying.

  • Credit Karma

    Price
    Free
    Budgets
    Spending by category, cash flow, and a Paycheck Assistant plan; no category budgets like Mint's
    Claude and ChatGPT
    Credit Karma app in ChatGPT and Claude, for credit, spending insights, and loan offers

  • Monarch

    Price
    $14.99/mo or $99.99/yr; Plus $199/yr; 7-day free trial
    Budgets
    Flex or category budgets, goals, and forecasting
    Claude and ChatGPT
    Official connector, back since October 21, 2026, with weekly usage limits

  • YNAB

    Price
    $14.99/mo or $109/yr; 34-day free trial
    Budgets
    Give every dollar a job, by hand
    Claude and ChatGPT
    No official server; community MCP servers use YNAB's API

  • Copilot Money

    Price
    $119/yr ($109 on a limited-time offer); 1-month free trial
    Budgets
    Category budgets with rollovers
    Claude and ChatGPT
    Official read-only MCP server, open to everyone since October 27, 2026

  • Rocket Money

    Price
    Free; Premium $7 to $14/mo; Premium+ $15/mo
    Budgets
    Two custom category budgets on Free; unlimited on Premium, plus subscription cancelling
    Claude and ChatGPT
    No official connector

  • Candor

    Price
    $14.99/mo or $99/yr; 7-day free trial
    Budgets
    Your agent sets up goals and a budget that pays for them, and keeps both current
    Claude and ChatGPT
    Available now in Claude, ChatGPT, Grok Bot, Meta Muse, Codex, OpenClaw, and other agents
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Is Credit Karma a good Mint replacement?

For tracking, yes. Credit Karma is free and shows your balances, spending by category, monthly cash flow, net worth, and credit score in one place. For budgeting, less so. It does not have category budgets you set yourself the way Mint did. Its Paycheck Assistant suggests a plan for each paycheck instead.

In 2026 Credit Karma added Credit Karma Intelligence, which answers questions about your credit and spending, and an app in ChatGPT and Claude that gives credit insights, spending insights, and loan recommendations from your Credit Karma data. Its Debt Assistant and its ChatGPT app also show credit card and loan offers.

If you mostly opened Mint to check your net worth and credit, Credit Karma is enough. If you opened it to stay on a budget, look at the other options.

Is there a free Mint alternative?

Yes. Credit Karma is free. ChatGPT Finances is included in every ChatGPT plan in the U.S., including Free, and answers questions about your linked accounts. Rocket Money has a free plan with two custom category budgets. Monarch, YNAB, Copilot, and Candor are paid.

Mint was free and earned money from financial product offers. The free options today work the same way or come bundled with something else you pay for. Candor starts at $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and the first 7 days are free. Candor does not sell your data or use it for advertising; the subscription is the business.

Which Mint alternatives work with Claude or ChatGPT?

Monarch's official connector works in Claude and ChatGPT, with read-only or read and write access and weekly usage limits. Copilot Money's official MCP server is read-only. Credit Karma has an app in both. YNAB and Rocket Money have no official connector. Candor is listed in Claude's connector directory and ChatGPT's plugin directory.

A connector lets your agent look things up in an app. The budget still lives in that app, and the reasons behind your decisions stay in old chats. With Candor, your agent keeps the budget, goals, and decisions with their reasons, so the next conversation, in any agent, starts where the last one ended.

Can your AI agent replace Mint?

Yes, with Candor. It connects your accounts to Claude, ChatGPT, or another agent, and your agent does the job Mint did. It sorts your spending, tracks it against a budget, and flags what changed. Tell it what you're after, like paying off a card or building an emergency fund, and it sets up goals measured from your accounts and a budget that pays for them.

Mint's alerts told you about a large charge or a bill coming up. Every week Candor reviews your records for things like a price increase, a duplicate charge, a category running ahead of plan, or a bill due before payday, and tells your agent which are worth talking through and why. Your agent brings them up when you ask, or on a schedule if it supports scheduled tasks.

Candor is read-only and has no tool to move money. It does not train AI models on your financial information, it records every read and change your agent makes with its reason, and you can export or delete your data at any time.

Who should choose an app instead?

Choose an app if you want something to open every day without an AI agent involved. Monarch suits households and Android users, Copilot suits one person on Apple devices, and YNAB suits people who like budgeting by hand. Credit Karma suits anyone who wants free tracking and a credit score.

Candor has no phone app of its own and does not include a credit score. You use it through your agent, wherever that agent runs, and on a web dashboard.

What should you check before switching?

Check that your banks connect, that enough transaction history comes through, and that the first budget your agent sets up looks right. Run one complete review before you pay for a year of anything.

Candor links your accounts itself and does not import Mint or Credit Karma history. If you kept a Mint export, your agent can read the file itself for older trends.

How was this comparison researched?

We publish Candor, so we have a stake in this comparison. Mint and Credit Karma facts come from Intuit's and Credit Karma's own announcements and pages. Monarch, YNAB, Copilot, and Rocket Money facts come from their pricing pages and help centers, checked for our other comparison pages between October 16 and October 27, 2026, and rechecked October 30, 2026.

Sources are listed below and link to each vendor's own page.

Common questions

What replaced Mint?
Intuit replaced Mint with Credit Karma, which took over Mint's net worth and spending tracking. For a budget, the common choices are Monarch, YNAB, Copilot Money, and Rocket Money. If you already use an AI agent, Candor lets it keep your budget instead.
Is Credit Karma the same as Mint?
No. Both are owned by Intuit, and Credit Karma took over Mint's net worth and spending tracking, but Credit Karma centers on your credit score and credit card and loan offers. It does not have category budgets like Mint's.
What is the best Mint alternative for couples?
Monarch. One subscription covers the household, and each member gets their own login at no extra cost.
Can I still get my Mint data?
Only if you moved to Credit Karma or exported it before March 23, 2024. Mint profiles that were not moved by then are gone.
Does Candor import Mint data?
No. Candor links your accounts itself through bank-grade sign-in. If you kept a Mint export, your agent can read the file for older trends.
How much does Candor cost?
Candor starts at $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and the first 7 days are free.

Sources

  1. Intuit is closing personal-finance app Mint, shifts users to Credit Karma Bloomberg, November 1, 2023
  2. Move from Mint to Credit Karma Net Worth Credit Karma
  3. Less debt, more clarity, and a plan for your paycheck Credit Karma, July 23, 2026
  4. Intuit apps launch in ChatGPT Intuit, March 5, 2026
  5. Mint is shutting down. Thoughts from Mint's first product manager and CEO of Monarch Monarch
  6. Pricing Monarch
  7. Monarch MCP Connector Monarch, October 22, 2026
  8. Pricing YNAB
  9. MCP: Copilot Money in your AI tools Copilot Money
  10. Rocket Money pricing: what's free vs. Premium vs. Premium+ Rocket Money, January 19, 2026
  11. Finances in ChatGPT OpenAI

Try one money check-in with your own agent before you pick an app.

Connect your accounts to Candor, add Claude, ChatGPT, or another agent, and ask it to set up a budget from last month's spending. Compare that with what Mint used to show you.

Start free trialFind your AI's setup guide

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