Mint shut down, but former users did not move to one new app. Two years later, the pattern may be summed up in five paths: Credit Karma for credit tracking, Monarch Money for shared budgeting, Quicken Simplifi for spending plans, Empower Personal Dashboard for free net worth tracking, and Mezzi for tax-aware portfolio review.
If I were reducing the full article to one takeaway, it would be this: the best Mint follow-up may depend on the one money job you care about most now. Some people may want category budgets and bill tracking. Others may want holdings, retirement modeling, or tax checks across brokerage and retirement accounts.
Here’s the short version:
- Mezzi may fit self-directed investors who want portfolio visibility and tax-aware insights
- Credit Karma may fit people focused on credit scores and debt ratios
- Monarch Money may fit households that want Mint-style budgeting with shared access
- Empower Personal Dashboard may fit users who want free net worth and retirement tracking
- Quicken Simplifi may fit people who want spending control more than investing tools
What changed after Mint? The market may have split into budget-first tools and wealth-first tools. That split may explain why no single app took over for everyone.
Best Mint Alternatives: Which App Fits Your Money Goal?
6 Best Budgeting Apps of 2024 - Tested! (Mint Alternatives)
Quick Comparison
| App | Best for | Budgeting | Net worth / investing view | Tax-aware features |
|---|---|---|---|---|
| Mezzi | Self-directed investors | Light | Strong portfolio visibility | Yes, tax-efficient portfolio guidance only |
| Credit Karma | Credit tracking | Light | Limited | No |
| Monarch Money | Shared household budgeting | Strong | Basic | Very limited |
| Empower Personal Dashboard | Free net worth tracking | Light | Strong | Mostly on paid advisory side |
| Quicken Simplifi | Spending plans | Stronger on cash flow | Light | Basic only |
One stat stands out: this comparison of account aggregators covers 5 of the main places Mint users may have landed, and each one leans toward a different job. So if you used Mint for everything, you may now need to choose the one use case you care about most - or in some cases, pair two tools.
1. Mezzi
Mezzi is an AI-driven, read-only tool for investors who want portfolio visibility and tax-aware guidance, not spending management. For former Mint users trying to choose between spending tools and wealth tools, that trade-off may be the starting point.
Budgeting Depth
Mezzi may aggregate bank, credit card, and investment accounts, but it is not built for category budgets, spending goals, or bill and cash-flow tracking. Its strength may start once you move past day-to-day spending control and into portfolio analysis.
Net Worth and Portfolio Visibility
You may connect 401(k)s, IRAs, taxable brokerage accounts, HSAs, and bank accounts through Plaid or Finicity, with no transfers required. Once linked, Mezzi may give you a consolidated net worth view along with individual holding analysis.
Its X-Ray tool is designed to help uncover overlapping positions across ETFs and mutual funds, so you may see where your portfolio may be duplicating exposure or leaning toward concentration risk.
Tax-Aware Guidance
Mezzi's tax-aware analysis scans connected accounts for tax-loss harvesting, wash sale risk, and asset-location opportunities, such as keeping bonds in a traditional IRA and equity ETFs in a taxable account. It identifies opportunities but does not trade, rebalance, or move money for you.
That may make Mezzi more useful for self-directed investors who want guidance, not automation.
Best-Fit User
Mezzi may fit self-directed investors with 401(k)s, IRAs, and taxable brokerage accounts who want overlap checks, asset-location decisions, and retirement readiness visibility. It may be a poor fit for users who mainly need budgeting, debt payoff tracking, or a shared household budget.
2. Credit Karma
For former Mint users who cared more about credit health than budgeting, Credit Karma may have felt like the closest place to land. The platform focuses on credit scores, credit utilization, and debt ratios rather than spending management.
Budgeting Depth
Budgeting depth is limited. Credit Karma may track spending at a light level, but it does not match Mint's category budgets or cash-flow controls.
Net Worth and Portfolio Visibility
Credit Karma's account aggregation is limited, so it may not recreate the full net worth dashboard that many Mint users relied on. It also lacks a complete household financial view, which may be a clear gap for people who used Mint to track all accounts in one place.
Tax-Aware Guidance
It offers no tax-aware investing guidance.
Best-Fit User
Credit Karma may fit users who are mainly focused on credit scores and debt management. It may be a poor fit for budgeting or portfolio visibility. In that sense, Credit Karma may work better as a credit-monitoring stop than as a full Mint replacement.
3. Monarch Money
For Mint refugees who wanted a paid budgeting upgrade, Monarch became the most familiar landing spot. It may be a strong fit for households that want Mint-like budgeting plus shared account management.
Budgeting Depth
Monarch stands out most on budgeting. It supports category budgets, Flex Budgeting, Sankey diagrams, and shared account tagging, and it connects to 13,000+ institutions through Plaid, Finicity, and MX.
For former Mint users who want a paid replacement built around budgeting first, Monarch may feel like the closest match. The setup and layout may also feel familiar, which tends to matter when someone's moving from one money app to another.
Net Worth and Portfolio Visibility
Monarch tracks holdings, cost basis, and basic performance, so it may work as a simple balances-and-holdings dashboard.
That said, its investment analysis stays fairly light. It lacks fee analysis and Monte Carlo modeling, so users who want deeper portfolio analysis may find it limited.
Tax-Aware Guidance
Monarch offers minimal tax-aware features. There are no tax-loss harvesting alerts or wash sale warnings. As a result, taxable-account guidance may remain mostly uncovered.
Best-Fit User
Monarch Money may fit budgeting-first households, especially couples managing shared spending and cash flow. It may be a weaker match for users whose main priority is investment analysis or tax efficiency.
For users who care less about budgeting and more about investment visibility, the next options shift in that direction.
4. Empower Personal Dashboard
For Mint users who cared more about seeing their portfolio than managing a detailed budget, Empower may have felt like the most natural free place to land. Empower Personal Dashboard, formerly Personal Capital, has long appealed to people who focus on investment accounts and net worth more than line-by-line spending.
Budgeting Depth
Budgeting is the clear weak spot here. Empower tracks cash flow and spending, but it doesn't offer budget targets or envelope budgeting. So while it may work well as a way to watch your money, it may not work as a true budgeting setup.
The free dashboard also sits next to a paid advisory service. That setup suggests the product may be designed less for hands-on budgeting and more for moving users from monitoring toward managed help over time.
Net Worth and Portfolio Visibility
This is where Empower stands out. It pulls in linked accounts through providers such as Plaid, Finicity, and MX, which may give users one combined view of net worth.
The platform also includes a few tools that may matter more to investors than budgeters:
- Fee Analyzer, which estimates projected fund fees
- Retirement Planner, which uses Monte Carlo simulations to test whether a portfolio may be on track across different market conditions
The free dashboard covers net worth tracking and retirement planning. The paid advisory side adds customized portfolios and advisor support, with a $100,000 minimum.
Tax-Aware Guidance
On the free tier, tax tools are limited. Tax-aware asset location and tax-loss harvesting are only available through the paid advisory service.
That leaves a gap for users who may want more active tax-aware help on taxable accounts but may not want to pay an AUM fee.
Best-Fit User
Empower may fit investors who want a free net worth dashboard, retirement modeling, and light spending visibility - without needing line-item budgeting or tax-aware insights outside managed assets.
There is one catch worth noting: users with Vanguard or Ascensus accounts may run into sync issues, which may make account aggregation less reliable.
For readers who still want tighter control over spending, the next section moves back in that direction.
5. Quicken Simplifi
Quicken Simplifi takes a different angle. Instead of leaning into investing, it puts the spotlight back on spending control.
For former Mint users who mostly wanted a clean spending plan and an easy way to follow monthly cash flow, Simplifi may feel like a natural fit. It may replace Mint’s spending view well, but it does not try to match Mint on investing depth.
Budgeting Depth
Simplifi centers on spending tracking and cash-flow management, with broad account syncing through Plaid and the Quicken network.
Net Worth and Portfolio Visibility
Investment visibility is fairly light. This is a budgeting tool with a portfolio add-on, not the other way around.
Simplifi shows holdings, asset allocation, return metrics, and market data on linked investments. It also includes a holdings news feed. But that’s about where it stops. It does not offer trading, rebalancing, screening, benchmarks, or overlap analysis.
Tax-Aware Guidance
The tax side is basic. Simplifi shows cost basis, total costs, and gains, but it does not provide wash-sale alerts or tax-loss harvesting.
Best-Fit User
Simplifi may fit budget-first households that want cash-flow tracking and basic investment visibility. It may be a weaker match for investors looking for tax-aware guidance or automated portfolio management.
That trade-off shows up pretty clearly in the use-case summary below.
Pros and Cons by Use Case
Here’s the shortest way to match each app to the job it may handle best.
| Persona | Best Fit | Pros | Cons |
|---|---|---|---|
| Credit-monitoring casual user | Credit Karma | Free credit tracking; basic account snapshots | No category budgets; weak investing tools |
| Household budget planner | Monarch Money | Household budgeting and shared cash flow | Light portfolio tools; minimal tax-aware guidance |
| Spending tracker | Quicken Simplifi | Lower-cost spending plans; clear cash-flow tracking | Shallow investment and tax tools |
| Net-worth and retirement tracker | Empower Personal Dashboard | Free net worth and retirement tracking | Weak daily budgeting; paid advisory service |
| Self-directed investor | Mezzi | AI-driven tax-aware investing; tax-aware portfolio analysis | No household budgeting |
Mint users didn’t move to one catch-all replacement. They tended to move to tools that matched one main money job.
So the better question may be: What do you want the app to do most of the time? If the goal is credit tracking, one pick may make more sense. If it’s shared budgeting, spending plans, retirement tracking, or tax-aware portfolio review, the answer may look different.
The conclusion below explains which single app - or app pair - may fit each type of former Mint user best.
Conclusion
Two years after Mint shut down, the split looks pretty clear: no single app took Mint’s place across the board. Former Mint users didn’t all land in one spot. They moved to the tool that matched the main money task they cared about most.
The simplest way to look at it is by the job each app may do best:
| Your Top Priority | Best Fit |
|---|---|
| Credit health monitoring | Credit Karma |
| Shared household budgeting | Monarch Money |
| Spending plans and cash flow | Quicken Simplifi |
| Free net worth tracking | Empower Personal Dashboard |
| Tax-aware, AI-driven portfolio guidance | Mezzi |
If you’re comparing options now, the better fit may come down to your main job today - not what Mint used to handle all at once.
FAQs
How do I choose the right Mint replacement for my needs?
Pick the tool based on what you care about most: tax optimization, household coordination, or tracking assets that don’t fit neatly in a standard brokerage view.
For self-directed investors with taxable accounts, retirement accounts, and accounts spread across more than one custodian, Mezzi may be the strongest fit. Monarch Money may suit shared household budgeting. Kubera may make more sense for complex assets like crypto and international holdings. And Empower may work as a free starting point for basic retirement and fee tracking.
Do I need two apps to replace everything Mint used to do?
It depends on your financial goals. If you mainly need household budgeting and shared expense tracking, Monarch Money may cover most of what you need.
If your priority is a complex, multi-account investment portfolio, Mezzi may be a better fit. It offers advanced analytics, tax-loss harvesting, and cross-account wash sale alerts that general budgeting apps typically lack.
Which option is best if I care most about investments and taxes?
If you care most about investments and taxes, Mezzi may be the best fit for some people. It’s designed for active, self-directed investors managing more complex portfolios across multiple institutions.
It offers AI-driven tools for:
- cross-account wash sale monitoring
- tax-loss harvesting opportunities
- tax-efficient asset location
- X-Ray analysis for overlapping holdings and redundant fees
Disclosures:
- This content is for informational purposes only and does not constitute investment advice or a recommendation to buy or sell any security.
- Past performance is not indicative of future results. No guarantee of future performance or outcomes is implied.
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