Looking for a Mint alternative? Whether you're frustrated with Mint's ads, concerned about privacy, or just want something simpler, you're in the right place.
We tested the top expense trackers to find the best Mint replacements for different needs. Here's what we found.
Why People Leave Mint
Before we dive into alternatives, let's understand why people switch:
- Too many ads. Credit card offers, loan ads, investment pitches everywhere.
- Privacy concerns. Giving bank access to an Intuit-owned app feels risky. Many users are switching to a private expense tracker instead.
- Data selling. Mint monetizes your spending data.
- Syncing issues. Bank connections break constantly.
- Feature bloat. Too many features most people don't use.
The 7 Best Mint Alternatives
1. Pocket Clear — Best for Privacy & Simplicity
Price: Free (Pro: $0.99/month)
Best for: People who want simple tracking without bank connections
Pocket Clear is the opposite of Mint. No bank linking, no ads, no data selling. Your transactions stay on your device.
Why it's great:
- Complete privacy—data never leaves your device (free) or is encrypted in cloud (Pro)
- No ads, ever
- Works offline
- Takes 30 seconds to track expenses
- Beautiful, minimal design
Limitations: No automatic bank import (by design), no credit score. If you value budgeting without bank linking, this is actually a feature, not a limitation.
🏆 Our Top Pick
For most people leaving Mint, Pocket Clear offers the simplicity and privacy they wanted all along.
2. YNAB — Best for Serious Budgeters
Price: $99/year
Best for: People who want comprehensive budgeting with a philosophy
YNAB (You Need A Budget) uses zero-based budgeting where every dollar gets a job. It's powerful but complex.
Why it's great: Comprehensive budgeting, goal tracking, debt payoff tools, active community.
Limitations: Expensive, steep learning curve, still requires bank connection for best experience.
3. PocketGuard — Best Mint-Like Experience
Price: Free / Plus: $7.99/month
Best for: People who want automatic tracking like Mint
PocketGuard connects to your bank and shows how much you can safely spend. It's similar to Mint but focused.
Why it's great: "In My Pocket" feature shows safe-to-spend amount, automatic categorization.
Limitations: Still requires bank access, premium is expensive, some syncing issues.
4. Copilot — Best for Apple Users
Price: $9.99/month
Best for: iPhone users who want beautiful design with bank sync
Copilot is iOS-only but has gorgeous design and smart insights.
Why it's great: Beautiful interface, smart categorization, investment tracking.
Limitations: iOS only, expensive, requires bank access.
5. Monarch Money — Best for Couples
Price: $14.99/month
Best for: Couples managing finances together
Monarch is built for shared finances with collaborative features.
Why it's great: Excellent for couples, comprehensive reports, investment tracking.
Limitations: Most expensive option, requires bank connection.
6. Monefy — Best Simple Free Option
Price: Free (Pro: $2.49 one-time)
Best for: Basic expense tracking with one-tap entry
Monefy is simple and visual but has some privacy concerns and ads in free version.
Why it's great: Very simple, visual reports, cheap Pro version.
Limitations: Ads in free version, limited features, sends some data to servers.
7. Spendee — Best for Visual Reports
Price: Free / Premium: $2.99/month
Best for: People who love beautiful charts and graphs
Spendee has great visuals and supports shared wallets.
Why it's great: Beautiful design, shared wallets, bank sync available.
Limitations: Premium needed for best features, can sync to bank (privacy concern).
Quick Comparison Table
| App | Price | Bank Sync | Privacy | Best For |
|---|---|---|---|---|
| Pocket Clear | Free/$0.99/mo | No | ⭐⭐⭐⭐⭐ | Privacy & Simplicity |
| YNAB | $99/year | Yes | ⭐⭐⭐ | Serious Budgeting |
| PocketGuard | Free/$7.99/mo | Yes | ⭐⭐⭐ | Mint-Like Experience |
| Copilot | $9.99/mo | Yes | ⭐⭐⭐ | Apple Users |
| Monarch | $14.99/mo | Yes | ⭐⭐⭐ | Couples |
| Monefy | Free/$2.49 | No | ⭐⭐⭐⭐ | Basic Tracking |
| Spendee | Free/$2.99/mo | Optional | ⭐⭐⭐ | Visual Reports |
Our Recommendation
If you're leaving Mint, ask yourself what frustrated you. You can also visit the Pocket Clear homepage to see all features at a glance.
- Ads and data selling? → Pocket Clear (no ads, no data selling)
- Privacy concerns? → Pocket Clear (no bank connection needed)
- Too complex? → Pocket Clear (simplest option)
- Want the same features but better? → PocketGuard or Copilot
- Need comprehensive budgeting? → YNAB (if you'll actually use it)
Try Pocket Clear Free
The Mint alternative that respects your privacy.