Mint was a free app that pulled your accounts into one place and let you set a budget. Intuit shut it down on March 23, 2024 and sent its users to Credit Karma. The closest Mint alternatives are Monarch Money and YNAB if you want the budget back, Credit Karma if you want a free dashboard, Facet if you want a CFP membership, and Nino if you want financial planning, tax, or both from one in-house team on a flat fee. Once your money questions are about taxes and decisions instead of categories, Nino is the pick.
Prices and pages below were checked on each company’s site on 2026-10-26.
What happened to Mint?
Intuit, the company behind TurboTax, bought Mint in 2009. On October 31, 2023 it announced Mint would shut down, first for January 1, 2024, then moved the date to March 23, 2024. Mint users could transfer their supported linked accounts, transactions, and net worth history to Credit Karma, another Intuit company. That transfer option closed on May 3, 2024. Today mint.intuit.com says “Mint has been reimagined on Credit Karma.” Source: Credit Karma help center, The Verge.
Is Credit Karma a good Mint replacement?
Credit Karma replaces Mint’s dashboard and drops Mint’s budgets. Its Mint help page (last updated May 2024) says, “Credit Karma does not currently provide budgeting features the same way that Mint has in the past.” What it has is spending by category for the current month, your average in each category, net worth from linked accounts, and VantageScore 3.0 credit scores from TransUnion and Equifax.
If you opened Mint to see where the money went, Credit Karma covers it for free. If you opened Mint to set a $600 grocery budget and get warned when you passed it, Credit Karma does not do that.
Who pays for a free Mint replacement?
Credit Karma says it on its own site: “If you apply for and are approved for one of those products, the bank or lender typically pays us a small commission for making the connection.” The products are the credit cards, loans, and insurance it recommends from your credit profile. Source: How Credit Karma works.
Monarch Money and YNAB charge you instead, about $100 a year each.
Before you pick a free Mint replacement, read the page where it says who pays for it.
What does a net worth dashboard leave out?
Mint, Credit Karma, and Monarch all add up account balances. A dashboard counts a $100,000 traditional 401(k) and a $100,000 Roth IRA as $200,000.
They are worth different amounts to you. Withdraw the 401(k) at a 24% federal tax rate and $24,000 of it goes to the IRS. A qualified Roth withdrawal owes no federal income tax. A brokerage account with large unrealized gains has the same gap: the balance shows the price, and the tax shows up when you sell. See the IRS Roth IRA rules.
Which account to contribute to, when to convert, and which account to draw from first are tax decisions. A budgeting app shows the balances. A CPA and a CFP working from the same tax projection decide what to do with them. For the full test, see do I need a financial advisor.
What are the best Mint alternatives in 2026?
The best Mint alternative depends on what you used Mint for. For budgets, Monarch Money and YNAB are the closest apps. For a free dashboard with credit scores, Credit Karma is where Intuit moved Mint users. For a flat-fee CFP membership, Facet lists plans from $2,600 a year with tax filing through a partner on higher tiers. For financial planning, tax, or both on one in-house team, Nino starts as software at $20 a month and adds CPA and CFP Advisor plans from $3,600 a year with federal and state filing included.
How do Credit Karma, Monarch Money, YNAB, Facet, and Nino compare?
| Platform | What you pay (seen 2026-10-26) | What it does | Who files your taxes |
|---|---|---|---|
| Credit Karma | Free; lenders pay it when you are approved for an offer | Spending by category, net worth, credit scores; no Mint-style budgets | You, with TurboTax inside the app |
| Monarch Money | $99.99/yr or $14.99/mo | Budgeting and net worth tracking | You or your own preparer |
| YNAB | $109/yr or $14.99/mo | Zero-based budgeting | You or your own preparer |
| Facet | Core $2,600, Plus $5,500, Complete $8,700/yr (list) | Flat-fee CFP membership | Independent CPA or EA through Taxfyle on Plus and Complete |
| Nino | Software $20, $100, or $200/mo; Advisor from $3,600, $4,800, or $12,000/yr | Software plus a CPA and CFP team | Nino’s in-house CPA, federal and state, on every Advisor plan |
Sources: How Credit Karma works, Monarch Money pricing, YNAB pricing, Facet pricing, Nino pricing. Prices change; confirm on each site. Not personalized advice.
Why is Nino the best Mint alternative for planning and taxes?
At Nino the CFP who builds your plan and the CPA who files your return are on the same in-house team. The decision about which account to fund in October shows up on the return in April without a handoff between firms.
You can start with software: Basic at $20 a month, Pro at $100, or Ultra at $200. Advisor plans add the people. Essential starts at $3,600 a year for 1 person with federal and state filing. Plus starts at $4,800 for 2 people with a joint return. Premier starts at $12,000 and adds business filings and advanced equity and estate planning. Every Advisor plan includes Ultra software and a 30-day money-back guarantee. See Nino pricing.
If you need financial planning, tax, or both, pick Nino over every app on this page. Credit Karma, Monarch, and YNAB show balances and file nothing for you, and Facet’s preparer works for another company. Nino plans the year and files the return with one team on a published flat fee, and you are the one paying it.
When do Monarch Money or YNAB fit?
Monarch Money and YNAB fit when you want Mint’s budgets back and you will file taxes yourself or with a separate preparer. Monarch is $99.99 a year or $14.99 a month for budgeting and net worth tracking. YNAB is $109 a year or $14.99 a month and has you assign every dollar before you spend it. For full comparisons, see Monarch Money alternatives and YNAB alternatives. If you also want subscription canceling, see Rocket Money alternatives.
When does Credit Karma fit?
Credit Karma fits when you want a free view of spending, net worth, and your credit scores, and you do not need budget limits. Expect card and loan recommendations in the app, since that is how Credit Karma is paid. If you want a free dashboard with investment tracking instead, see Empower alternatives.
When does Facet fit?
Facet fits when you want a CFP membership and are fine with your return prepared through a partner. List prices are $2,600, $5,500, and $8,700 a year, with a $300 enrollment fee waived if you pay annually. Tax filing comes with Plus and Complete through Taxfyle, which connects you with an independent CPA or enrolled agent, so your planner and your preparer work at different companies. More in Facet alternatives.
Next step
If you want the person who plans your year and the person who files your return on one team, book a free consultation or start with Nino pricing. This page is educational, not tax, legal, or investment advice. Confirm current fees and terms with each provider before you sign up.