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Message   VRSS    All   The 6 best budgeting apps to replace Mint   March 29, 2024
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Title: The 6 best budgeting apps to replace Mint

Date: Fri, 29 Mar 2024 07:01:26 +0000
Link: https://www.engadget.com/the-best-budgeting-a...

More than 10 years and millions of users later, the popular budgeting app
Mint has shut down for good. Parent company Intuit shuttered the app on March
24, 2024, and has prompted its users migrate to its other personal finance
app, Credit Karma. I, along with 3.6 million others (as of 2021, according to
Bloomberg), had been Mint users for a long time, trusting the budgeting app
to track all of my accounts in one place. Mint was also the tool I used to
monitor my credit score, stick to a monthly spending plan and set goals like
building a rainy-day fund or paying down my mortgage faster.

So I gave Credit Karma a shot after hearing I would be imminently forced off
of Mint. I was left unimpressed; itΓÇÖs not a true Mint alternative, so
finding a similar app that could be became a top priority for me. The
following guide lays out my experience testing some of the most popular Mint
replacement apps available today. If youΓÇÖre also on the hunt for a
budgeting app to replace Mint, we hope these details can help you decide
which of the best budgeting apps out there could meet your needs in this post-
Mint world.

How to import your financial data from Mint

Mint users should consider getting their data ready to migrate to their new
budgeting app of choice soon. Unfortunately, importing data from Mint is not
as easy as entering your credentials from inside your new app and hitting
ΓÇ£import.ΓÇ¥ In fact, any app that advertises the ability to port over your
stats from Mint is just going to have you upload a CSV file of transactions
and other data.

To download a CSV file from Mint, do the following:

Sign into Mint.com and hit Transactions in the menu on the left side of the
screen.

Select an account, or all accounts.

Scroll down and look for ΓÇ£export [number] transactionsΓÇ¥ in smaller print.

Your CSV file should begin downloading.

Note: Downloading on a per-account basis might seem more annoying, but could
help you get set up on the other side, if the app youΓÇÖre using has you
importing transactions one-for-one into their corresponding accounts.

How we tested

Before I dove into the world of budgeting apps, I had to do some research. To
find a list of apps to test, I consulted trusty olΓÇÖ Google (and even
trustier Reddit); read reviews of popular apps on the App Store; and also
asked friends and colleagues what budget tracking apps they might be using.
Some of the apps I found were free, just like Mint. These, of course, show
loads of ads (excuse me, ΓÇ£offersΓÇ¥) to stay in business. But most of the
available apps require paid subscriptions, with prices typically topping out
around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than
that.)

Since this guide is meant to help Mint users find a permanent replacement,
any services I chose to test needed to do several things: import all of your
account data into one place; offer budgeting tools; and track your spending,
net worth and credit score. Except where noted, all of these apps are
available for iOS, Android and on the web.

Once I had my shortlist of six apps, I got to work setting them up. For the
sake of thoroughly testing these apps (and remember, I really was looking for
a Mint alternative myself), I made a point of adding every account to every
budgeting app, no matter how small or immaterial the balance. What ensued was
a veritable Groundhog Day of two-factor authentication. Just hours of
entering passwords and one-time passcodes, for the same banks half a dozen
times over. Hopefully, you only have to do this once.

The best Mint alternative: Quicken Simplifi

No pun intended, but what I like about Quicken Simplifi is its simplicity.
Whereas other budgeting apps try to distinguish themselves with dark themes
and customizable emoji, Simplifi has a clean user interface, with a landing
page that you just keep scrolling through to get a detailed overview of all
your stats. These include your top-line balances; net worth; recent spending;
upcoming recurring payments; a snapshot of your spending plan; top spending
categories; achievements; and any watchlists youΓÇÖve set up. You can also
set up savings goals elsewhere in the app. I also appreciate how it offers
neat, almost playful visualizations without ever looking cluttered. I felt at
home in the mobile and web dashboards after a day or so, which is faster than
I adapted to some competing services (IΓÇÖm looking at you, YNAB and
Monarch).

Getting set up with Simplifi was mostly painless. I was particularly
impressed at how easily it connected to Fidelity; not all budget trackers do,
for whatever reason. This is also one of the only services I tested that
gives you the option of inviting a spouse or financial advisor to co-manage
your account. One thing I would add to my initial assessment of the app,
having used it for a few months now: I wish Simplifi offered Zillow
integration for easily tracking your home value (or at least a rough estimate
of it). Various competitors including Monarch Money and Copilot Money work
with Zillow, so clearly there's a Zillow API available for use. As it stands,
Simplifi users must add real estate manually like any other asset.

Dana Wollman / Engadget

In practice, Simplifi miscategorized some of my expenses, but nothing out of
the ordinary compared to any of these budget trackers. As youΓÇÖre reviewing
transactions, you can also mark if youΓÇÖre expecting a refund, which is a
unique feature among the services I tested. Simplifi also estimated my
regular income better than some other apps I tested. Most of all, I
appreciated the option of being able to categorize some, but not all,
purchases from a merchant as recurring. For instance, I can add my two Amazon
subscribe-and-saves as recurring payments, without having to create a broad-
strokes rule for every Amazon purchase.

The budgeting feature is also self-explanatory. Just check that your regular
income is accurate and be sure to set up recurring payments, making note of
which are bills and which are subscriptions. This is important because
Simplifi shows you your total take-home income as well as an ΓÇ£income after
billsΓÇ¥ figure. That number includes, well, bills but not discretionary
subscriptions. From there, you can add spending targets by category in the
ΓÇ£planned spendingΓÇ¥ bucket. Planned spending can also include one-time
expenditures, not just monthly budgets. When you create a budget, Simplifi
will suggest a number based on a six-month average.

Not dealbreakers, but two things to keep in mind as you get started: Simplifi
is notable in that you canΓÇÖt set up an account through Apple or Google.
There is also no option for a free trial, though Quicken promises a ΓÇ£30-day
money back guarantee.ΓÇ¥

The best Mint alternative (runner-up): Monarch Money

Monarch Money grew on me. My first impression of the budgeting app, which was
founded by a former Mint product manager, was that it's more difficult to use
than others on this list, including Simplifi, NerdWallet and Copilot. And it
is. Editing expense categories, adding recurring transactions and creating
rules, for example, is a little more complicated than it needs to be,
especially in the mobile app. (My advice: Use the web app for fine-tuning
details.) Monarch also didnΓÇÖt get my income right; I had to edit it.

Once youΓÇÖre set up, though, Monarch offers an impressive level of
granularity. In the budgets section, you can see a bona fide balance sheet
showing budgets and actuals for each category. You'll also find a forecast,
for the year or by month. And recurring expenses can be set not just by
merchant, but other parameters as well. For instance, while most Amazon
purchases might be marked as ΓÇ£shopping,ΓÇ¥ those for the amounts of $54.18
or $34.18 are definitely baby supplies, and can be automatically marked as
such each time, not to mention programmed as recurring payments. Weirdly,
though, thereΓÇÖs no way to mark certain recurring payments as bills,
specifically.

Dana Wollman / Engadget

Not long after I first published this story in December 2023, Monarch
introduced a detailed reporting section where you can create on-demand graphs
based on things like accounts, categories and tags. That feature is available
just on the web version of the app for now. As part of this same update,
Monarch added support for an aggregator that makes it possible to
automatically update the value of your car. This, combined with the existing
Zillow integration for tracking your home value, makes it easy to quickly add
a non-liquid asset like a vehicle or real estate, and have it show up in your
net worth graph.

The mobile app is mostly self-explanatory. The main dashboard shows your net
worth; your four most recent transactions; a month-over-month spending
comparison; income month-to-date; upcoming bills; an investments snapshot; a
list of any goals youΓÇÖve set; and, finally, a link to your month-in-review.
That month-in-review is more detailed than most, delving into cash flow; top
income and expense categories; cash flow trends; changes to your net worth,
assets and liabilities; plus asset and liability breakdowns. In February
2024, Monarch expanded on the net worth graph, so that if you click on the
Accounts tab you can see how your net worth changed over different periods of
time, including one month, three months, six months, a year or all time.

On the main screen, youΓÇÖll also find tabs for accounts, transactions, cash
flow, budget and recurring. Like many of the other apps featured here,
Monarch can auto-detect recurring expenses and income, even if it gets the
category wrong. (They all do to an extent.) Expense categories are marked by
emoji, which you can customize if youΓÇÖre so inclined.

Monarch Money uses a combination of networks to connect with banks, including
Plaid, MX and Finicity, a competing network owned by Mastercard. (I have a
quick explainer on Plaid, the industry standard in this space, toward the end
of this guide.) As part of an update in late December, Monarch has also made
it easier to connect through those other two networks, if for some reason
Plaid fails. Similar to NerdWallet, I found myself completing two-factor
authentication every time I wanted to get past the Plaid screen to add
another account. Notably, Monarch is the only other app I tested that allows
you to grant access to someone else in your family ΓÇö likely a spouse or
financial advisor. Monarch also has a Chrome extension for importing from
Mint, though really this is just a shortcut for downloading a CSV file, which
youΓÇÖll have to do regardless of where you choose to take your Mint data.

Additionally, Monarch just added the ability to track Apple Card, Apple Cash,
and Savings accounts, thanks to new functionality brought with the iOS 17.4
update. It's not the only one either; currently, Copilot and YNAB have also
added similar functionality that will be available to anyone with the latest
versions of their respective apps on a device running iOS 17.4. Instead of
manually uploading statements, the new functionality allows apps like
Monarch's to automatically pull in transactions and balance history. That
should make it easier to account for spending on Apple cards and accounts
throughout the month.

Monarch also recently launched investment transactions in beta. It also says
bill tracking and an overhauled goals system are coming soon. Monarch hasn't
provided a timeline for that last one, except to say that the improved goals
feature is coming in early 2024.

The best up-and-comer: Copilot Money

Copilot Money might be the best-looking budgeting app I tested. It also has
the distinction of being exclusive to iOS and Macs ΓÇö at least for now.
Andres Ugarte, the companyΓÇÖs CEO, has publicly promised that Android and
web apps are coming in 2024 (more likely the second half of the year, Ugarte
tells me). But until it follows through, I canΓÇÖt recommend Copilot for most
people with so many good competitors out there.

Copilot Money for Web and Android!

Thanks to the support from our users, and the overwhelming positive reception
we're seeing from folks migrating from Mint, we can now say that we'll be
building @copilotmoney for Web and Android with a goal to launch in 2024.

We'll continue to…

ΓÇö Andres Ugarte (@chuga) November 15, 2023

There are other features that Copilot is missing, which IΓÇÖll get into. But
it is promising, and one to keep an eye on. ItΓÇÖs just a fast, efficient,
well designed app, and Android users will be in for a treat when theyΓÇÖll
finally be able to download it. It makes good use of colors, emoji and graphs
to help you understand at a glance how youΓÇÖre doing on everything from your
budgets to your investment performance to your credit card debt over time. In
particular, Copilot does a better job than almost any other app of
visualizing your recurring monthly expenses.

Behind those punchy colors and cutesy emoji, though, is some sophisticated
performance. CopilotΓÇÖs AI-powered ΓÇ£IntelligenceΓÇ¥ gets smarter as you go
at categorizing your expenses. (You can also add your own categories,
complete with your choice of emoji.) ItΓÇÖs not perfect. Copilot
miscategorized some purchases (they all do), but it makes it easier to edit
than most. On top of that, the internal search feature is very fast; it
starts whittling down results in your transaction history as soon as you
begin typing.

Dana Wollman / Engadget

Copilot is also unique in offering Amazon and Venmo integrations, allowing
you to see transaction details. With Amazon, this requires just signing into
your Amazon account via an in-app browser. For Venmo, you have to set up
fwd@copilot.money as a forwarding address and then create a filter, wherein
emails from venmo@venmo.com are automatically forwarded to fwd@copilot.money.
Like Monarch Money, you can also add any property you own and track its value
through Zillow, which is integrated with the app.

While the app is heavily automated, I still appreciate that Copilot marks new
transactions for review. ItΓÇÖs a good way to both weed out fraudulent
charges, and also be somewhat intentional about your spending habits.

Like Monarch Money, Copilot updated its app to make it easier to connect to
banks through networks other than Plaid. As part of the same update, Copilot
said it has improved its connections to both American Express and Fidelity
which, again, can be a bugbear for some budget tracking apps. In an even more
recent update, Copilot added a Mint import option, which other budgeting apps
have begun to offer as well.

Because the app is relatively new (it launched in early 2020), the company is
still catching up to the competition on some table-stakes features. Ugarte
told me that his team is almost done building out a detailed cash flow
section, which could launch before the end of 2023, but more likely in early
2024. On its website, Copilot also promises a raft of AI-powered features
that build on its current ΓÇ£IntelligenceΓÇ¥ platform, the one that powers
its smart expense categorization. These include ΓÇ£smart financial goals,ΓÇ¥
natural language search, a chat interface, forecasting and benchmarking. That
benchmarking, Ugarte tells me, is meant to give people a sense of how
theyΓÇÖre doing compared to other Copilot users, on both spending and
investment performance. Most of these features should arrive in the new year.

Copilot does a couple interesting things for new customers that distinguish
it from the competition. ThereΓÇÖs a ΓÇ£demo modeΓÇ¥ that feels like a game
simulator; no need to add your own accounts. The company is also offering two
free months with RIPMINT ΓÇö a more generous introductory offer than most.
When it finally does come time to pony up, the $7.92 monthly plan is cheaper
than some competing apps, although the $95-a-year-option is in the same
ballpark.

The best free budgeting app: NerdWallet

You may know NerdWallet as a site that offers a mix of personal finance news,
explainers and guides. I see it often when I google a financial term I
donΓÇÖt know and sure enough, itΓÇÖs one of the sites IΓÇÖm most likely to
click on. As it happens, NerdWallet also has the distinction of offering one
of the only free budgeting apps I tested. In fact, there is no paid version;
nothing is locked behind a paywall. The main catch: There are ads everywhere.
To be fair, the free version of Mint was like this, too.

Even with the inescapable credit card offers, NerdWallet has a clean, easy-to-
understand user interface, which includes both a web and a mobile app. The
key metrics that it highlights most prominently are your cash flow, net worth
and credit score. (Of note, although Mint itself offered credit score
monitoring, most of its rivals do not.) I particularly enjoyed the weekly
insights, which delve into things like where you spent the most money or how
much you paid in fees ΓÇö and how that compares to the previous month.
Because this is NerdWallet, an encyclopedia of financial info, you get some
particularly specific category options when setting up your accounts (think:
a Roth or non-Roth IRA).

Dana Wollman / Engadget

As a budgeting app, NerdWallet is more than serviceable, if a bit basic. Like
other apps I tested, you can set up recurring bills. Importantly, it follows
the popular 50/30/20 budgeting rule, which has you putting 50% of your budget
toward things you need, 30% toward things you want, and the remaining 20%
into savings or debt repayments. If this works for you, great ΓÇö just know
that you canΓÇÖt customize your budget to the same degree as some competing
apps. You canΓÇÖt currently create custom spending categories, though a note
inside the dashboard section of the app says ΓÇ£youΓÇÖll be able to customize
them in the future.ΓÇ¥ You also canΓÇÖt move items from the wants column to
ΓÇ£needsΓÇ¥ or vice versa but ΓÇ£In the future, you'll be able to move
specific transactions to actively manage what falls into each group.ΓÇ¥ A
NerdWallet spokesperson declined to provide an ETA, though.

Lastly, itΓÇÖs worth noting that NerdWallet had one of the most onerous setup
processes of any app I tested. I donΓÇÖt think this is a dealbreaker, as
youΓÇÖll only have to do it once and, hopefully, you arenΓÇÖt setting up six
or seven apps in tandem as I was. What made NerdWalletΓÇÖs onboarding
especially tedious is that every time I wanted to add an account, I had to go
through a two-factor authentication process to even get past the Plaid splash
screen, and thatΓÇÖs not including the 2FA I had set up at each of my banks.
This is a security policy on NerdWalletΓÇÖs end, not PlaidΓÇÖs, a Plaid
spokesperson says.

Precisely because NerdWallet is one of the only budget trackers to offer
credit score monitoring, it also needs more of your personal info during
setup, including your birthday, address, phone number and the last four
digits of your social security number. ItΓÇÖs the same with Credit Karma,
which also does credit score monitoring.

Related to the setup process, I found that NerdWallet was less adept than
other apps at automatically detecting my regular income. In my case, it
counted a large one-time wire transfer as income, at which point my only
other option was to enter my income manually (which is slightly annoying
because I would have needed my pay stub handy to double-check my take-home
pay).

Budgeting apps we also tested YNAB

YNAB is, by its own admission, ΓÇ£different from anything youΓÇÖve tried
before.ΓÇ¥ The app, whose name is short for You Need a Budget, promotes a so-
called zero-based budgeting system, which forces you to assign a purpose for
every dollar you earn. A frequently used analogy is to put each dollar in an
envelope; you can always move money from one envelope to another in a pinch.
These envelopes can include rent and utilities, along with unforeseen
expenses like holiday gifts and the inevitable car repair. The idea is that
if you budget a certain amount for the unknowns each month, they wonΓÇÖt feel
like theyΓÇÖre sneaking up on you.

Importantly, YNAB is only concerned with the money you have in your accounts
now. The app does not ask you to provide your take-home income or set up
recurring income payments (although there is a way to do this). The money you
will make later in the month through your salaried job is not relevant,
because YNAB does not engage in forecasting.

The app is harder to learn than any other here, and it requires more ongoing
effort from the user. And YNAB knows that. Inside both the mobile and web
apps are links to videos and other tutorials. Although I never quite got
comfortable with the user interface, I did come to appreciate YNABΓÇÖs
insistence on intentionality. Forcing users to draft a new budget each month
and to review each transaction is not necessarily a bad thing. As YNAB says
on its website, ΓÇ£Sure, youΓÇÖve got pie charts showing that you spent an
obscene amount of money in restaurants ΓÇö but youΓÇÖve still spent an
obscene amount of money in restaurants.ΓÇ¥ I can see this approach being
useful for people who donΓÇÖt tend to have a lot of cash in reserve at a
given time, or who have spending habits they want to correct (to riff off of
YNABΓÇÖs own example, ordering Seamless four times a week).

My colleague Valentina Palladino, knowing I was working on this guide, penned
a respectful rebuttal, explaining why sheΓÇÖs been using YNAB for years.
Perhaps, like her, you have major savings goals you want to achieve, whether
itΓÇÖs paying for a wedding or buying a house. I suggest you give her column
a read. For me, though, YNABΓÇÖs approach feels like overkill.

PocketGuard

PocketGuard is one of the only reputable free budget trackers I found in my
research. Just know itΓÇÖs far more restricted at the free tier than
NerdWallet or Mint. In my testing, I was prompted to pay after I attempted to
link more than two bank accounts. So much for free, unless you keep things
simple with one cash account and one credit card. When it comes time to
upgrade to PocketGuard Plus, you have three options: pay $7.99 a month,
$34.99 a year or $79.99 for a one-time lifetime license. That lifetime option
is actually one of the few unique selling points for me: IΓÇÖm sure some
people will appreciate paying once and never having to, uh, budget for it
again.

From the main screen, youΓÇÖll see tabs for accounts, insights, transactions
and the ΓÇ£Plan,ΓÇ¥ which is where you see recurring payments stacked on top
of what looks like a budget. The main overview screen shows you your net
worth, total assets and debts; net income and total spending for the month;
upcoming bills; a handy reminder of when your next paycheck lands; any debt
payoff plan you have; and any goals.

Dana Wollman / Engadget

Like some other apps, including Quicken Simplifi, PocketGuard promotes an
ΓÇ£after billsΓÇ¥ approach, where you enter all of your recurring bills, and
then PocketGuard shows you whatΓÇÖs left, and thatΓÇÖs what youΓÇÖre supposed
to be budgeting: your disposable income. Obviously, other apps have a
different philosophy: take into account all of your post-tax income and use
it to pay the bills, purchase things you want and maybe even save a little.
But in PocketGuard, itΓÇÖs the ΓÇ£in your pocketΓÇ¥ number thatΓÇÖs most
prominent. To PocketGuardΓÇÖs credit, it does a good job visualizing which
bills are upcoming and which ones youΓÇÖve already paid.

PocketGuard has also publicly committed to adding some popular features in
early 2024. These include rollover budgeting in January 2024, categorization
rules in February and shared household access in March.

Dana Wollman / Engadget

Although PocketGuardΓÇÖs UI is easy enough to understand, it lacks polish.
The ΓÇ£accountsΓÇ¥ tab is a little busy, and doesnΓÇÖt show totals for
categories like cash or investments. Seemingly small details like weirdly
phrased or punctuated copy occasionally make the app feel janky. More than
once, it prompted me to update the app when no updates were available. The
web version, meanwhile, feels like the mobile app blown up to a larger format
and doesnΓÇÖt take advantage of the extra screen real estate.

Of note, although PocketGuard does work with Plaid, its primary bank-
connecting platform is actually Finicity. Setting up my accounts through
Finicity was mostly a straightforward process. I did encounter one hiccup:
Finicity would not connect to my SoFi account. I was able to do it through
Plaid, but PocketGuard doesnΓÇÖt make it easy to access Plaid in the app. The
only way, as far as I can tell, is to knowingly search for the name of a bank
that isnΓÇÖt available through Finicity, at which point you get the option to
try Plaid instead. Like I said: the experience can be janky.

What is Plaid and how does it work?

Each of the apps I tested uses the same underlying network, called Plaid, to
pull in financial data, so itΓÇÖs worth explaining in its own section what it
is and how it works. Plaid was founded as a fintech startup in 2013 and is
today the industry standard in connecting banks with third-party apps. Plaid
works with over 12,000 financial institutions across the US, Canada and
Europe. Additionally, more than 8,000 third-party apps and services rely on
Plaid, the company claims.

To be clear, you donΓÇÖt need a dedicated Plaid app to use it; the technology
is baked into a wide array of apps, including the budget trackers I tested
for this guide. Once you find the ΓÇ£add an accountΓÇ¥ option in whichever
one youΓÇÖre using, youΓÇÖll see a menu of commonly used banks. ThereΓÇÖs
also a search field you can use to look yours up directly. Once you find
yours, youΓÇÖll be prompted to enter your login credentials. If you have two-
factor authentication set up, youΓÇÖll need to enter a one-time passcode as
well.

As the middleman, Plaid is a passthrough for information that may include
your account balances, transaction history, account type and routing or
account number. Plaid uses encryption, and says it has a policy of not
selling or renting customer data to other companies. However, I would not be
doing my job if I didnΓÇÖt note that in 2022 Plaid was forced to pay $58
million to consumers in a class action suit for collecting ΓÇ£more financial
data than was needed.ΓÇ¥ As part of the settlement, Plaid was compelled to
change some of its business practices.

In a statement provided to Engadget, a Plaid spokesperson said the company
continues to deny the allegations underpinning the lawsuit and that ΓÇ£the
crux of the non-financial terms in the settlement are focused on us
accelerating workstreams already underway related to giving people more
transparency into PlaidΓÇÖs role in connecting their accounts, and ensuring
that our workstreams around data minimization remain on track.ΓÇ¥

My top Mint alternative picks: Quicken Simplifi and Copilot Money

To conclude, you might be wondering what app I decided on for myself after
all of this research. The answer is actually two apps: Quicken Simplifi, my
overall top pick, and Copilot Money. For now, I am actively using both apps
and still deciding, long-term, which I feel more comfortable with. I tend to
prefer Copilot's fast, colorful user interface, but as I explained above,
it's too lacking in table-stakes features for me to go so far as to name it
the best overall option.

This article originally appeared on Engadget at https://www.engadget.com/the-
best-budgeting-apps-to-replace-mint-143047346.html?src=rss

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