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.
Mint alternative FAQ
What's the best free Mint alternative?
For a genuinely free option, Trackr covers Mint's core job — seeing where your money goes — with budgets, goals, and insights at no cost. Monarch is the closest paid, bank-syncing clone.
Can I import my Mint data into Trackr?
There's no Mint import — Trackr doesn't connect to banks or upload statements. You start fresh, and because entry is by voice it takes seconds to get going.
Is there a Mint alternative that doesn't need my bank login?
Yes. Trackr never asks for bank credentials; you add expenses by voice, text, or receipt photo, so nothing sensitive sits in a third-party database.
Does Trackr sync across devices like Mint did?
The free Solo plan keeps your data on your device. Cloud sync across devices is part of the optional Plus plan (৳149/mo).
Is Trackr free like Mint was?
Yes — the Solo plan is free forever, with no ads and no data resale. Plus is optional and adds family sharing, cloud sync, and exports.
Free forever for solo use · No credit card · No bank login