What is the best free personal finance app like Mint?

My top pick for a free Mint alternative is Empower Personal Dashboard if you want to connect your bank accounts, automatically track spending, and see your net worth in one place without paying a monthly subscription. Its main weakness is that its budgeting tools aren't as comprehensive as Mint's were. [Best Alternatives to Mint to Keep Your Budget on Track](https://www.cnbc.com/select/mint-budgeting-app-is-going-away-here-are-some-alternatives/)[Best Free Budgeting Apps in 2026 (After Mint's Shutdown)](https://finovadaily.com/best-free-budgeting-apps/) Mint shut down in March 2024, and unfortunately, no free replacement perfectly reproduces all of its features. The best choice depends on whether you care most about automatic bank syncing, budgeting, or tracking your overall finances. [Best Alternatives to Mint to Keep Your Budget on Track](https://www.cnbc.com/select/mint-budgeting-app-is-going-away-here-are-some-alternatives/)[6 Mint Alternatives: Best Budgeting Apps to Replace Mint](https://wallethub.com/best-mint-alternatives) ## Best free personal finance apps in 2026 ## 1. Empower Personal Dashboard Best overall free option $0 · Automatic account syncing Connect checking, savings, credit cards, loans, and investment accounts. Track spending, net worth, and retirement investments in one dashboard. [Free Budgeting Tools](https://www.empower.com/free-financial-tools-sign-up)[Link Accounts](https://www.empower.com/tools/link-accounts) Downside: Budgeting is more basic than Mint's. [Get Empower free](https://www.empower.com/free-financial-tools-sign-up) ## 2. Rocket Money Free plan · Best for spending and subscriptions Automatically categorizes transactions, tracks recurring subscriptions and bills, and offers basic budgeting. The free plan has limits on custom budget categories. [Rocket Money Pricing: What's Free vs. What's Premium vs Premium+?](https://www.rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost)[Frequently asked questions](https://www.rocketmoney.com/faq) Downside: Net-worth tracking and advanced budgeting require Premium. [Get Rocket Money](https://www.rocketmoney.com/) ## 3. Goodbudget $0 · Best for hands-on budgeting Plan your spending using virtual envelopes for groceries, bills, entertainment, and savings. The free plan includes 10 regular envelopes, 10 annual/goal envelopes, and one account. [Subscriptions, Cancellations & Refunds](https://goodbudget.com/refunds-cancellations-subscriptions/)[Sign up | Personal Budget Software](https://goodbudget.com/signup?source=supermoney-reviews-reviews) Downside: The free plan doesn't automatically sync your bank accounts; you'll need to enter transactions manually. [Get Goodbudget](https://goodbudget.com/) ## 4. Actual Budget Free and open source · Best for privacy and control A flexible budgeting tool with envelope-style budgeting, local-first data storage, and optional syncing between devices. [GitHub - actualbudget/actual: A local-first personal finance app](https://github.com/actualbudget/actual) Downside: Setup is more technical, and hosting it yourself may take some effort. [Get Actual Budget](https://actualbudget.org/) ## Which one should you choose? | If you want… | My pick | | --- | --- | | Free automatic bank syncing and net-worth tracking | Empower | | Spending insights and subscription tracking | Rocket Money | | A clear monthly budget you manage yourself | Goodbudget | | Open-source budgeting and greater control over your data | Actual Budget | ## One quick question What did you use Mint for most? I can narrow this down to the best match for your needs.

**The best free alternatives to Mint in 2026 are Rocket Money, Empower, Goodbudget, Honeydue, and WalletHub - each excels in different areas depending on whether you want subscription tracking, investment tools, envelope budgeting, or joint finances.** ### 🔑 Key Considerations Before Choosing * **Automation vs. manual tracking**: Do you want the app to sync with your bank accounts or prefer entering expenses yourself? * **Privacy trade-offs**: Some apps monetize by offering financial services (e.g., Empower), while others are ad-supported. * **Budgeting style**: Zero-based (EveryDollar), envelope method (Goodbudget), or AI-driven insights (Cleo). * **Collaboration needs**: Couples may prefer Honeydue; solo users may lean toward Rocket Money or Empower. ### 📱 Top Free Personal Finance Apps Like Mint App| Best For| Free Features| Limitations| Standout Benefit ---|---|---|---|--- **Rocket Money**| Subscription tracking & overall budgeting| Track spending, manage subscriptions, cancel unwanted charges| Premium adds bill negotiation & net worth tracking| Helps cut recurring costs automatically [Best Free Budgeting Tools of 2026 | CNBC Select](https://www.cnbc.com/select/best-free-budgeting-tools/)[The 5 Best Free Budgeting Apps of 2026 (No Trial Required)](https://www.thepennyhoarder.com/budgeting/best-free-budgeting-apps/) **Empower**| Investors & wealth tracking| Budget planner, net worth, retirement planning| May receive advisor marketing| Strong investment \+ budgeting combo [10 Best Free Budgeting Apps 2026 - I Tested 20+ Tools | MoneyWise Hub](https://moneywisehub.org/blog/best-free-budgeting-apps-2026)[Best Free Budgeting Tools of 2026 | CNBC Select](https://www.cnbc.com/select/best-free-budgeting-tools/) **Goodbudget**| Beginners & envelope method| 20 free envelopes, manual expense tracking| No automatic bank sync| Great for cash-based or manual planners [10 Best Free Budgeting Apps 2026 - I Tested 20+ Tools | MoneyWise Hub](https://moneywisehub.org/blog/best-free-budgeting-apps-2026)[Best Free Budget Apps for 2026](https://wallethub.com/best-free-budget-app) **Honeydue**| Couples| Sync accounts, chat about transactions| Limited advanced features| 100% free, designed for shared finances [10 Best Free Budgeting Apps 2026 - I Tested 20+ Tools | MoneyWise Hub](https://moneywisehub.org/blog/best-free-budgeting-apps-2026)[Best Free Budget Apps for 2026](https://wallethub.com/best-free-budget-app) **WalletHub**| Credit monitoring \+ budgeting| Free credit score, expense tracking, debt payoff plans| Premium needed for auto-sync| Combines budgeting with credit tools [Best Free Budget Apps for 2026](https://wallethub.com/best-free-budget-app) **EveryDollar**| Zero-based budgeting| Unlimited categories, net worth tracking| Bank sync requires paid plan| Ideal for Dave Ramsey followers [Best Free Budget Apps for 2026](https://wallethub.com/best-free-budget-app)[The 5 Best Free Budgeting Apps of 2026 (No Trial Required)](https://www.thepennyhoarder.com/budgeting/best-free-budgeting-apps/) ### ⚠️ Trade-Offs & Risks * **Rocket Money**: Free tier is strong, but bill negotiation fees (35–60% of savings) can be steep if you upgrade. * **Empower** : Free features are excellent, but expect marketing outreach from financial advisors. * **Goodbudget & EveryDollar**: Manual entry can be time-consuming, but it forces awareness of spending. * **Honeydue** : Great for couples, but lacks advanced solo budgeting tools. * **WalletHub** : Free plan is robust, but syncing accounts requires a paid upgrade. ### ✅ Recommendation If you want **the closest Mint replacement with automation**, start with **Rocket Money**. For **investment-focused users**, **Empower** is unmatched. If you prefer **manual control and simplicity**, **Goodbudget** or **EveryDollar** are excellent. Couples should go with **Honeydue** , while those who want **credit monitoring plus budgeting** should try **WalletHub**. Would you like me to narrow this down to **apps that are 100% free with no paid upgrade required**, or are you open to free tiers with optional premium features?

Since Mint shut down and migrated users to Credit Karma (which lacks many of Mint's core budgeting tools), finding a truly **free** replacement can be tough, as most of the direct, feature-packed competitors (like Monarch Money, Copilot, and YNAB) now require a paid subscription. [The Best Mint Alternatives in 2026 (After Mint Shut Down)](https://trackmystack.app/blog/app-features/best-mint-alternatives/#:~:text=Skip%20if%3A%20You're%20outside%20the%20US%2FCanada%20\(limited,in%20the%20category%20by%20a%20comfortable%20margin.) However, depending on what you loved most about Mint - whether it was investment tracking, net worth monitoring, or daily budgeting - there are still a few strong options available: [Best Mint Alternatives: Top Budgeting Apps Compared](https://www.mybanktracker.com/savings/top-budgeting-apps-compared#:~:text=YNAB%20is%20the%20best%20budgeting%20app%20for,for%20assisting%20users%20in%20managing%20their%20investments.) ### 1\. Empower (Formerly Personal Capital) - _Best Free Alternative for Net Worth & Investments_ If you used Mint primarily to look at your overall financial health, track your net worth, and monitor your investment portfolios, **Empower** is the closest free equivalent. [Best Mint Alternatives: Top Budgeting Apps Compared](https://www.mybanktracker.com/savings/top-budgeting-apps-compared#:~:text=YNAB%20currently%20offers%20a%2034%2Dday%20free%20trial%2C,of%20the%20best%20free%20alternatives%20to%20Mint.) * **Cost:** Free (It makes money by offering optional paid wealth management services). [Best Mint Alternatives: Top Budgeting Apps Compared](https://www.mybanktracker.com/savings/top-budgeting-apps-compared#:~:text=YNAB%20is%20the%20best%20budgeting%20app%20for,for%20assisting%20users%20in%20managing%20their%20investments.) * **Pros:** Excellent account aggregation, robust investment analysis tools, retirement planners, and a clean net worth dashboard. [Best Mint Alternatives: Top Budgeting Apps Compared](https://www.mybanktracker.com/savings/top-budgeting-apps-compared#:~:text=If%20you%20enjoy%20thorough%20analysis%2C%20Empower%20includes,under%20management%20for%20accounts%20under%20%241%20million.) * **Cons:** Its traditional budgeting and expense-categorization tools are more basic compared to what Mint offered. [Best Mint Alternatives: Top Budgeting Apps Compared](https://www.mybanktracker.com/savings/top-budgeting-apps-compared#:~:text=YNAB%20currently%20offers%20a%2034%2Dday%20free%20trial%2C,of%20the%20best%20free%20alternatives%20to%20Mint.) ### 2\. Credit Karma - _The Official Mint Successor (With Limitations)_ Since Intuit shut down Mint, they directed all users to **Credit Karma**. * **Cost:** Free (Ad-supported). [7 Best Free Budgeting Apps to Manage Your Money in 2025](https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-free-budgeting-apps/#:~:text=It%20uses%20charts%20and%20graphs%20to%20show,Store%20Reviews%3A%204.2%20stars%20with%202%2C300%2B%20ratings.) * **Pros:** It automatically imports your accounts if you migrated from Mint, tracks your credit scores, and provides high-level cash flow views. * **Cons:** It is heavily focused on credit monitoring and financial product recommendations rather than deep, customized budgeting. Many former Mint users find it lacks granular expense tracking and robust category management. ### 3\. Fidelity Full View - _Best Free All-in-One Dashboard_ [7 Best Free Budgeting Apps to Manage Your Money in 2025](https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-free-budgeting-apps/#:~:text=EveryDollar%20is%20a%20budgeting%20app%20that%20uses,The%20app%20lets%20users%20enter%20transactions%20manually.)[7 Best Free Budgeting Apps to Manage Your Money in 2025](https://www.nationaldebtrelief.com/blog/financial-wellness/budgeting/best-free-budgeting-apps/#:~:text=The%20free%20version%20has%20basic%20budgeting%20tools.,Store%20Reviews%3A%204.4%20stars%20with%2012%2C700%2B%20ratings.) If you have a Fidelity account (or don't mind opening one), their built-in **Full View** tool is a hidden gem that functions similarly to Mint. * **Cost:** Free * **Pros:** Uses account aggregators to let you link outside banks, loans, and credit cards, giving you a full breakdown of spending, cash flow, and net worth for zero cost. * **Cons:** The user interface is tied to Fidelity's ecosystem and can feel a bit more corporate and less polished than dedicated budgeting apps. ### 4\. PocketGuard (Free Tier) or EveryDollar (Free Tier) - _Best for Basic Budgeting_ If you specifically want to track day-to-day spending and stick to a budget: * **PocketGuard:** Offers a free tier that tracks your "In My Pocket" spending amount after bills and goals are accounted for, though automatic bank syncing is limited on the free plan. * **EveryDollar:** Uses a zero-based budgeting approach. The free version is robust, but it requires you to **manually enter your transactions** (automatic bank syncing requires a paid subscription). [Best Mint Alternatives: Top Budgeting Apps Compared](https://www.mybanktracker.com/savings/top-budgeting-apps-compared#:~:text=Although%20Empower%20isn't%20as%20strong%20in%20traditional,a%20versatile%20tool%20for%20overall%20financial%20health.) ### Summary Recommendation: * Choose **Empower** if you want a free, automated dashboard to track your **net worth and investments**. [Best Mint Alternatives for High-Net-Worth Individuals - Long Angle](https://www.longangle.com/blog/best-mint-alternatives#:~:text=Features%20such%20as%20real%2Dtime%20monitoring%2C%20recurring%20bill,*%20No%20ads.%20*%20Free%207%2Dday%20trial.) * Try **Fidelity Full View** if you want a comprehensive **all-in-one tracker** without paying a monthly fee. * If you are willing to pay a small subscription fee for an experience that genuinely matches or beats old-school Mint (no ads, multi-user logins, and advanced budgeting), **Monarch Money** is currently the top-rated paid alternative.

Since Intuit shut down Mint, finding a true 1:1 free replacement with robust automatic bank syncing has been tough. Most of the closest direct equivalents now charge a subscription fee (like Monarch Money or Copilot), but a few strong free or freemium options still stand out depending on what features of Mint you miss the most: * * **Empower (formerly Personal Capital)** - _Best for Net Worth & Investment Tracking_ [7 Best Mint Budgeting App Alternatives (Free & Paid)](https://robberger.com/mint-alternatives/) * If you loved Mint for tracking your overall net worth, investment portfolios, and retirement progress across all your accounts [Free & simple alternatives to mint? : r/mintuit - Reddit](https://www.reddit.com/r/mintuit/comments/1aca9s6/free_simple_alternatives_to_mint/)[Closest budget app to MINT : r/personalfinance - Reddit](https://www.reddit.com/r/personalfinance/comments/1mkwmj3/closest_budget_app_to_mint/) ,, [RobBerger.com]

Empower is probably the best free Mint-like app if you want bank syncing, spending insights, and investment tracking; its free tools are especially strong for seeing your full financial picture. If you want a simpler budgeting-first option, Rocket Money is another strong free choice.([robberger.com][1])([thepennyhoarder.com][2]) [1]: https://robberger.com/mint-alternatives/ "7 Best Mint Budgeting App Alternatives (Free & Paid)" [2]: https://www.thepennyhoarder.com/budgeting/best-free-budgeting-apps/ "The 5 Best Free Budgeting Apps of 2026 (No Trial Required)"