Personal Finance
Written by Sophia Acevedo, CEPF; edited by Sarah Silbert
2024-03-22T19:20:53Z
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- The popular budgeting app Mint is going away on March 23.
- Intuit says app users can transition to Credit Karma, but it won't have the same budgeting features.
- If you used Mint to make budgets, here are seven alternative options.
Mint's shutdown is quickly approaching. The popular budgeting app is going away on this weekend, on March 23.
Intuit is asking Mint users to move to Credit Karma, one of the company's other personal-finance platforms. On Credit Karma, you will still be able to view your bank accounts, transaction history, spending, cash flow, and net worth. Credit Karma currently doesn't let you make monthly budgets or category budgets, though.
If you've been using the Mint app for its budgeting features, you'll have to consider other options.
Quicken Simplifi - A Mint Alternative
On Quicken's website
Perks
50% off Simplifi and all Quicken products for all new customers (offer ends April 15, 2024)
Fees
$3.99 monthly subscription or $47.88 annual subscription
Annual Percentage Yield (APY)
N/A
Minimum Opening Deposit
N/A
Bonus
50% off Simplifi and all Quicken products for all new customers
50% off (offer ends April 15, 2024)
Pros
- Connect all your bank accounts, investments accounts, and credit cards
- Help you save for individual savings goals
- Create a budget
- Track expenses
- 30-day money-back guarantee
Cons
- Must buy a subscription (no free option)
Insider’s Take
Quicken Simplifi is a great budgeting tool if you want to create a detailed monthly spending and savings plan and don't mind paying for a subscription. If you would rather get a budgeting app that doesn't have a subscription fee, you'll have to consider other options.
Quicken Simplifi review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- 50% off on Simplifi for new customers
- Stay on top of your finances in under 5 minutes per week.
- Check your custom budgeting plan — anytime, anywhere!
- Track your spending
- See where your money is going and discover places to save.
- Keep your bills in check
- Find subscriptions you don't use and start saving from day one.
Here are seven of the best budgeting apps to explore if you prioritize an app that lets you make a monthly or categorized budget.
1. Honeydue
Honeydue App
Fees
Free
Pros
- Budgeting app for couples
- Can have individual and shared finances
- Create monthly bill reminders
- Can discuss finances through chat feature
Cons
- Only available through mobile app
Insider’s Take
Honeydue is featured in our best budgeting apps guide as the best option for couples. It's a great option if you don't want to pay a fee. It also allows you to have individual and shared finances.
Honeydue is a personal-finance app for couples. It lets you create a monthly budget by linking credit cards, loans, investments, and bank accounts. Couples choose what they share and can create a joint budget.
Honeydue is free to use. The mobile app is rated 4.5 out of 5 stars in the Apple store and 3.5 out of 5 stars in the Google Play store.
2. Monarch Money
Monarch Money
On Monarch Money's website
Perks
Coming from Mint? Import your history and get 50% OFF with MINT50.
Fees
Premium Plan with a 7-day free-trial, then $14.99 per month or $99.99 annually
Bonus
30 day free trial plus a 50% discount off the first year of an annual subscription to new subscribers (offer expires April 30, 2024)
Pros
- Link bank accounts
- Create unlimited budgets and make customizable categories
- Track individual savings goals
- Graphs and charts that track your spending and savings
Cons
- No free plan
Insider’s Take
Monarch Money is an overall solid option if you prioritize creating monthly budgets and saving for individual savings goals. The main downside of the app is that it doesn't offer a free plan. You'll have to a monthly or annual subscription fee.
Monarch Money lets you create a customizable budget, meaning you can create your own categories to track your spending for certain areas.
The mobile app has a monthly or annual plan. The monthly plan costs $14.99 a month. The annual plan is $99.99 a year, which breaks down to about $8.33 a month.
Monarch Money has 4.8 out of 5 stars in the Apple store and 4.7 stars out of 5 in the Google Play store.
3. PocketGuard
PocketGuard App
Learn more
Compare apps
Insider’s Rating
3.75/5
Fees
Free Plan is $0; PocketGuard Plus has a monthly plan ($7.99 per month), an annual plan ($34.99 per year), and a lifetime plan ($79.99)
Pros
- Create a monthly budget
- Track bill payments
- Save for individual savings goals
Cons
- Free plan has limited features
Insider’s Take
Pocketguard may be worthwhile if you want a budgeting app with standard features. You can create a monthly budget, track bill payments, and save for individual savings goals. The free plan has limited features though, and PocketGuard Plus requires a subscription fee.
Product Details
- Free plan and premium plan available
- PocketGuard Plus has a monthly plan ($7.99 per month), an annual plan ($34.99 per year), and a lifetime plan ($79.99)
PocketGuard allows you to make a monthly budget through the free or premium plan (called PocketGuard Plus). PocketGuard Plus lets you make customizable budget categories and unlimited budgets — for example, a personal budget, a business budget, and a couples' budget.
The free plan is $0, while PocketGuard Plus has monthly, annual, and lifetime plans. The monthly plan is $7.99 a month, and the annual plan is $34.99 a year (which ends up being just under $3 a month). The lifetime plan is $79.99.
The app is rated 4.6 out of 5 stars in the Apple store and 3.8 out of 5 stars in the Google Play store.
4. Quicken Simplifi
Quicken Simplifi - A Mint Alternative
On Quicken's website
Perks
50% off Simplifi and all Quicken products for all new customers (offer ends April 15, 2024)
Fees
$3.99 monthly subscription or $47.88 annual subscription
Annual Percentage Yield (APY)
N/A
Minimum Opening Deposit
N/A
Bonus
50% off Simplifi and all Quicken products for all new customers
50% off (offer ends April 15, 2024)
Pros
- Connect all your bank accounts, investments accounts, and credit cards
- Help you save for individual savings goals
- Create a budget
- Track expenses
- 30-day money-back guarantee
Cons
- Must buy a subscription (no free option)
Insider’s Take
Quicken Simplifi is a great budgeting tool if you want to create a detailed monthly spending and savings plan and don't mind paying for a subscription. If you would rather get a budgeting app that doesn't have a subscription fee, you'll have to consider other options.
Quicken Simplifi review External link Arrow An arrow icon, indicating this redirects the user."
Product Details
- 50% off on Simplifi for new customers
- Stay on top of your finances in under 5 minutes per week.
- Check your custom budgeting plan — anytime, anywhere!
- Track your spending
- See where your money is going and discover places to save.
- Keep your bills in check
- Find subscriptions you don't use and start saving from day one.
Quicken Simplifi has budgets with customizable categories. The platform also analyzes your spending and savings through charts and can generate monthly reports for your spending, general income, income after expenses, savings, and net worth.
There's also a special offer available: it's 50% off Simplifi and all Quicken products for new customers (offer ends April 15, 2024).
Quicken Simplifi has received 4.0 out of 5 stars in the Apple store and 4.0 out of 5 stars in the Google Play store.
5. Rocket Money
Rocket Money
On Rocket Money's website
Fees
Free to create a budget. Subscription fee applies to premium services.
Pros
- Connect all your bank accounts, credit cards, and investment accounts to track spending
- Create a budget
- Bill negotiation feature
- Free plan available
Cons
- Limited features available with free plan
- Limited customer support availability
Insider’s Take
Rocket Money is featured in our best budgeting apps guide. While the Rocket Money app is free, there is a subscription fee if you want to use Premium features, like concierge services or premium chat.
Rocket Money app review External link Arrow An arrow icon, indicating this redirects the user."
Rocket Money has free and premium plans that allow you to make a monthly budget. The free plan lets you create a monthly budget using select categories. If you get the premium plan, you can make unlimited budgets. The premium plan also allows you to make customized budgeting categories.
The free plan costs $0. Meanwhile, the premium plan has a 7-day free trial. After that, you'll pay what you think is fair through a sliding scale that has price points from about $4 a month to $12 a month. If you select the $4 and $5 monthly plans, you'll be billed annually instead of monthly.
Rocket Money is rated 4.3 out of 5 stars in the Apple store and 4.2 out of 5 stars in the Google Play store.
Rocket Money Review
6. YNAB
YNAB App
Compare apps
Fees
34-day free trial; Then $14.99 per month or $99 per year
Pros
- Link bank accounts
- Create a budget
- Available on computer, phone, or tablet
- Reports for spending and net worth
- Track individual savings goals
Cons
- No free plan
Insider’s Take
YNAB may be a good option if you are interested in using the zero-sum budget strategy. It also may be worthwhile if you want to use a platform that's available through a computer, phone, or tablet. You'll want to consider other options if you do not want to pay a subscription fee, though.
YNAB App review External link Arrow An arrow icon, indicating this redirects the user."
YNAB helps you create a category budget through its four-rule method.
With the first rule, you'll implement a zero-sum budget, which means you'll assign every dollar you earn a purpose. The second rule requires you to factor in non-monthly expenses, such as holiday shopping or car maintenance. The third rule reminds you to be flexible with your monthly budget and make adjustments if you see that you're overspending in a certain category. The fourth rule encourages you to age your money. Essentially, the last rule points out that once you've focused on mastering the first three rules, you'll know where your money is going and spend less than you earn.
Ultimately, the four rules make sure you think about where all your money is going and how to adjust for your future savings.
YNAB can be used on the computer or through the mobile app. It costs $14.99 a month or $99 annually, which comes to about $8.25 monthly.
The app is rated 4.8 out of 5 stars in the Apple store and 4.6 out of 5 stars in the Google Play store.
YNAB Review
7. Zeta
Zeta
Learn more
Compare apps
Insider’s Rating
3.75/5
Fees
Free plan is $0; Zeta+ is $6.99 per month
Pros
- Free plan available
- App for couples and families
- Joint bank accounts
- Create a budget with the envelope method
Cons
- Limited mobile app ratings
Insider’s Take
You might like the Zeta personal finance app if you want to organize finances with a child, partner, or other family members. It also may be a decent option if you find the envelope budgeting method appealing, or want to open a joint bank account. That said, Zeta has limited mobile app ratings.
Zeta is another personal-finance app for couples and families. Zeta has joint bank accounts and uses the envelope budgeting method, which means you put a set amount of money into specific categories. Each month, you'll spend what you have for that category.
Zeta has a free plan and a premium plan called Zeta+. Zeta+ can be used by families or people who want to automate their banking. The free plan costs $0. Zeta+ costs $6.99 a month.
The mobile app is rated 4.5 out of 5 stars in the Apple store and 3.8 out of 5 stars in the Google Play store.
Banking Editor
Sophia Acevedo is a banking editor at Business Insider. She edits and writes bank reviews, banking guides, and banking and savings articles for the Personal Finance Insider team. She is also a Certified Educator in Personal Finance (CEPF).Sophia joined Business Insider in July 2021. Sophia is an alumna of California State University Fullerton, where she studied journalism and minored in political science. She is based in Southern California.You can reach out to her on Twitter at @sophieacvdo or email sacevedo@businessinsider.com.Read more about how Personal Finance Insider chooses, rates, and covers financial products and services >>Below are links to some of her most popular stories:
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