Mint Is Gone: A New Era in Expense Tracking
As of 2025, the financial landscape has shifted dramatically with the shutdown of Mint, a long-time favorite for tracking expenses and managing budgets. Many users are left wondering where to turn next. The truth is, while Mint was once a go-to app for millions, there are several alternatives that not only fill the void but also bring their unique features to the table. In this article, I'll share my honest comparison of seven alternatives to Mint that actually work in 2025.
1. YNAB (You Need A Budget)
YNAB has gained a loyal following for a reason. This budgeting app is built on the principle that every dollar should have a job. Unlike Mint, which offers a more passive approach to tracking, YNAB encourages proactive budgeting. For $14.99 a month (or $98.99 annually), you get access to real-time tracking, goal setting, and a community of users that can help motivate you.
One of the best features of YNAB is its educational component. The app offers workshops and resources to help you understand budgeting principles. Plus, it syncs with your bank accounts, which can be a double-edged sword. While it’s useful to see your transactions in real-time, some users prefer to keep their banking details private. If you’re serious about budgeting, YNAB might just be the tool you need.
2. PocketGuard
If you’re looking for something a bit simpler, PocketGuard could be your best bet. This app is designed to show you how much disposable income you have after accounting for bills, goals, and necessities. The best part? It’s free to use, although there’s a Plus version at $4.99 a month for those who want additional features.
PocketGuard's interface is user-friendly, making it easy to see where your money is going at a glance. You can categorize expenses, track bills, and even set savings goals. It’s a great choice for someone who wants to keep things straightforward without getting bogged down in complex budgeting strategies. I found it particularly useful when I wanted to quickly check my spending before a night out.
3. EveryDollar
EveryDollar is another budgeting platform that deserves a mention. Developed by financial expert Dave Ramsey, EveryDollar takes a zero-based budgeting approach, which means you allocate every dollar of your income to specific expenses. The basic version is free, while the Plus version costs $129.99 per year and includes bank syncing.
This app is perfect for those who want a structured method to manage their finances. The user interface is clean and intuitive, making it easy to categorize your expenses and create a monthly budget. I particularly appreciate the simplicity of entering transactions. You can quickly add expenses and adjust categories as needed. If you're a fan of the envelope budgeting system, EveryDollar might be right up your alley.
4. GoodBudget
For those who prefer a more hands-on approach, GoodBudget offers a digital envelope budgeting system. This app allows you to set aside money for specific categories, just like you would with physical envelopes. The basic version is free, while the Plus version is $7 a month or $60 a year for additional envelopes and features.
GoodBudget is particularly appealing for those who enjoy tracking their spending manually. You can input transactions and allocate funds to various categories, helping you stay accountable. I found the app's visual representation of my budget to be incredibly motivating. However, keep in mind that GoodBudget doesn’t sync with your bank accounts, so it requires a bit more effort to maintain.
5. Personal Capital
If you're not just interested in budgeting but also in investment tracking, Personal Capital is a game-changer. This app is free and offers robust tools for tracking net worth, investments, and retirement planning. It provides a comprehensive overview of your finances, which is something Mint excelled at.
With Personal Capital, you can link your bank accounts and investment accounts, giving you a holistic view of your financial health. The app will help you analyze your spending patterns and make informed decisions about your investments. I found it particularly useful for visualizing my retirement savings goals. However, if you want to access their financial advisory services, be prepared for a fee based on your assets under management.
6. Spendee
Spendee is a visually appealing app that allows you to track expenses in a fun and engaging way. You can create shared wallets for group expenses, making it perfect for roommates, couples, or friends. The basic version is free, but the premium version starts at $2.99 a month or $14.99 annually.
One of Spendee's standout features is its integration with various bank accounts, which allows you to have all your transactions in one convenient place. The app also supports multiple currencies, which is a huge plus for travelers. I loved the way it visually represents my spending habits with colorful charts and graphs. If you’re someone who enjoys aesthetics and wants to make budgeting a bit more enjoyable, Spendee could be the right fit for you.
7. DrakeAI: The Future of Expense Tracking
Last but not least, let’s talk about DrakeAI. This app is a great alternative for those who want to log their spending easily without the hassle of bank connections. With DrakeAI, you can track your expenses by simply texting or using your voice. This makes it user-friendly and accessible for anyone who prefers a hands-off approach to tracking.
The best part? DrakeAI doesn’t charge a monthly fee, making it an attractive option for budget-conscious users. You can categorize your expenses, set budgets, and even receive reminders for bill payments—all without ever needing to connect your bank accounts. In a world where privacy is paramount, DrakeAI offers a refreshing take on expense tracking. I found it incredibly convenient to input my spending on the go, whether I was at the grocery store or out to dinner.
Conclusion: Finding the Right Fit for You
While Mint's absence leaves a gap in the market, the alternatives listed here offer a variety of features and pricing options to suit different needs. Whether you prefer hands-on budgeting with GoodBudget or want something that combines expense tracking with investment analysis like Personal Capital, there’s an option for everyone. Remember to consider your financial goals, spending habits, and personal preferences when choosing an app. With the right tool, you can take control of your finances and make informed decisions moving forward.