The Best Mint Alternative in 2026 (That's Actually Free)
Intuit shut Mint down in March 2024 and pointed everyone at Credit Karma — which doesn't do budgets the way Mint did. Two years later, most “Mint replacements” charge $100+/year for what Mint did free.
What Mint users actually lost
Mint's core promise was simple: see where your money goes, free. The paid replacements kept the features but dropped the “free”. And the free ones tend to monetize the other way — by selling your data or pushing credit products, which is exactly how Mint worked too.
Trackr takes a third path: free for solo use, no ads, no data resale, no bank login at all. The trade-off is honest — no automatic bank sync. You log expenses by voice, text, or receipt photo, which takes about three seconds and keeps your credentials out of a third-party database entirely.
Mint alternatives compared
| Trackr | Monarch | YNAB | Credit Karma | |
|---|---|---|---|---|
| Price | Free (Plus optional) | $99.99/year | $109/year | Free (ads/offers) |
| Category budgets | ✅ | ✅ | ✅ | ❌ Limited |
| Bank credentials needed | Never | Required | For sync | Required |
| Works offline | ✅ Full PWA | ❌ | ❌ | ❌ |
| Voice entry | ✅ | ❌ | ❌ | ❌ |
| Data monetization | None | None | None | Credit offers |
Who should pick what
- You want Mint's price (free) and more privacy: Trackr. Budgets, goals, insights, and the fastest entry of any tracker — spoken.
- You want automatic US bank sync and will pay: Monarch Money is the closest like-for-like Mint clone.
- You want a strict budgeting methodology:YNAB — if the $109/year and learning curve don't put you off.
Switching is a five-minute job
There's nothing to import or configure: open Trackr in your browser, say your first expense, and set budgets for the categories you care about. It installs to your home screen as a PWA — no app store, and it keeps working with no connection.
Free forever for solo use · No credit card · No bank login