Disclosure: Pocket Clear is our product. We believe it's a strong option, but we encourage you to evaluate all alternatives based on your needs.
Mint Is Gone — Here Are Your Options
Intuit shut down Mint in early 2024, pushing users to Credit Karma (which isn't a budgeting app). If you're looking for a real Mint replacement, here are 8 alternatives ranked by privacy, pricing, and features.
Full Comparison Table
| App | Price | Bank Linking | Offline | Ads | Privacy Score |
|---|---|---|---|---|---|
| 1. Pocket Clear | Free / $0.99/mo | Never | Full | None | ★★★★★ |
| 2. YNAB | $14.99/mo | Required | Partial | None | ★★★☆☆ |
| 3. Monarch Money | $14.99/mo | Required | No | None | ★★★☆☆ |
| 4. Copilot Money | $10.99/mo | Required | No | None | ★★★☆☆ |
| 5. Goodbudget | Free / $10/mo | Never | Partial | None | ★★★★☆ |
| 6. EveryDollar | Free / $17.99/mo | Premium only | No | Upsells | ★★★☆☆ |
| 7. PocketGuard | Free / $7.99/mo | Required | No | Partial | ★★☆☆☆ |
| 8. Rocket Money | $4-12/mo | Required | No | None | ★★☆☆☆ |
1. Pocket Clear — Best Overall (Free, Private)
Pocket Clear is the most privacy-friendly option on this list. It never asks for bank credentials, works entirely offline, uses AES-256 encryption on your device, and costs nothing for core features. Pro at $0.99/month adds Partner Mode, budgets, and cloud sync. It's the closest to what Mint should have been — minus the data selling and ads.
2. YNAB — Best for Serious Budgeters
YNAB's zero-based budgeting method is powerful if you're willing to invest time learning it. At $14.99/month, it's expensive — but users who stick with it report significant savings. Requires bank linking via Plaid.
3. Monarch Money — Best Modern UI
Monarch is the sleekest budget app available. Beautiful reports, investment tracking, and collaborative features. But at $14.99/month with required bank linking, it's a premium commitment.
4. Copilot Money — Best for Apple Users
iOS-only but excellent design. AI-powered categorization is genuinely useful. $10.99/month and requires Plaid.
5-8: Budget Alternatives
Goodbudget is solid for envelope budgeting but limits free users to 10 envelopes. EveryDollar works for Dave Ramsey followers but pushes Ramsey+ hard. PocketGuard and Rocket Money both require full bank access and have weaker privacy practices.
Our Recommendation
Start with Pocket Clear (free, no commitment). If you find that manual tracking isn't for you and you need automatic bank import, try YNAB or Monarch with their free trials. But give manual tracking a real chance — most users who try it for 30 days prefer it to automated tracking because it keeps them more aware of their spending.
Try Pocket Clear Free
No bank linking. No ads. Works offline. Free forever, Pro for $0.99/month.
🍎 Download on App Store 🤖 Get it on Google Play