Post-Mint guide
Mint is shut down. What should freelancers use now?
Intuit retired Mint in March 2024. Most replacement advice assumes a steady paycheck. If your income is inconsistent, here are the real options and which one actually fits.
Quick verdict
For W-2 earners, Monarch or Rocket Money is usually the closest replacement. For freelancers and self-employed earners whose real problem is not tracking but routing variable deposits, Able is the tool built for that specific job. Pick based on what you actually need Mint to do for you.
Why Mint worked for so long
Mint was free, pulled transactions from every bank, categorized automatically, and gave you a dashboard of net worth, budgets, bills, and credit scores in one place. For a lot of people it was their first real look at their own money. Intuit retired it in March 2024 after acquiring Credit Karma, which absorbed some but not all of the functionality.
If what you miss is "all my accounts in one dashboard with transactions flowing in automatically," you are looking for a tracker. If what you actually need is help deciding where your money should go, especially when it arrives at unpredictable times, you are looking for something different.
Real alternatives, ranked by fit
Best for freelancers, self-employed, variable income
Able
$14.99/mo or $129/yr, 7-day free trial
Built around the deposit, not the month. Every client payment gets split automatically into bills, taxes, reserve, debt, and free spend. Designed for income that arrives when it arrives. Does not yet sync your bank accounts (we are working on it); you log deposits as they come in.
Best for net worth + tracker workflow
Monarch Money
$14.99/mo or $99.99/yr
Founded by an ex-Mint team. Closest spiritual successor. Bank sync, transaction categorization, net worth, budget categories, goals. Strong on tracking. Like Mint, it assumes a monthly budget cycle built on roughly predictable income.
Best for passive tracking + subscription cancellation
Rocket Money
Free tier; Premium $4-12/mo
Used to be Truebill. Strong on finding and canceling forgotten subscriptions, negotiating bills, and passive net-worth tracking. Less of a budgeting tool, more of a money-visibility tool. Good if you want less work, not more structure.
Best for disciplined manual budgeters
YNAB (You Need A Budget)
$14.99/mo or $109/yr
The most respected envelope-style budgeting app in the category. Deep community, strong education, great software. Assumes a steady paycheck; freelancers can make it work but will feel the friction. More of our thoughts:
YNAB alternative for freelancers.
Best if you already live in Intuit's ecosystem
Intuit folded some Mint functionality into Credit Karma after the shutdown. You get credit score tracking, account aggregation, and basic spending insights for free. Not a budgeting tool in any real sense. Fine as a passive dashboard, not a budget.
Best free option for basic tracking
Empower (formerly Personal Capital)
Free
Free net worth and investment tracking. Light budgeting. Will try to sell you wealth management services eventually. If your goal is investment visibility more than monthly budgeting, this is a solid free pick.
Which one should you actually pick?
If your income is steady
Start with Monarch if you want the full Mint replacement experience, Rocket Money if you want less work, or YNAB if you want a real budgeting method rather than just tracking.
If your income is inconsistent
The tracking question is secondary. The real problem is deciding what to do with each deposit when you cannot predict when the next one lands. Able is built for that specific decision. Tax set-aside happens automatically on every deposit. Bills get reserved from a rolling two-week window. A reserve account absorbs lumpy income so your paycheck stays steady.
Worth trying if any of this sounds familiar:
- You freeze when a big client payment lands because you don't know when the next one is coming
- You keep meaning to set aside taxes and keep not doing it
- You want to pay yourself a consistent amount but your business pays you in chunks
- You've tried monthly budgeting apps and hit friction every time
A note on bank sync
Most of the Mint replacements offer bank sync via Plaid. Able does not yet. We decided to ship the allocation system first and add sync second. If "all transactions flow in automatically" is your non-negotiable, Monarch or Rocket Money is the better fit right now.
Try the tool built for the paycheck that doesn't come every two weeks.
Mint replacement is the wrong question for inconsistent income. The right one is: what happens every time a deposit lands?
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