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21+ Alternatives I Recommend in 2023

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In the budgeting world, it’s safe to say Mint could be the king.

It’s free, it helps you learn the basics of budgeting and it’s a household name operated by a reputable company — Intuit.

Around since 2006, I have actually used it for a while but stopped using it for my own personal reasons.

And if you’re wondering, I just keep it simple and budget with a good ole’ Excel spreadsheet.  Easy enough for me!

But although it’s free and convenient to most, some are often curious about the alternatives, while others want to switch due to the flaws as there are many competitors that outshine the company today.

With a lot of competitors, I have found that some are much better than others now that the Internet has progressed much more than when Mint was created.

And today, whatever your reasoning may be, I wanted to explore the many alternatives to the Mint app/website in this post to show you that there are some credible options if you’re fed up with Mint or looking for something else.

Some are free and some will cost money, but I broke them down into two separate categories (free vs. paid) below for easy viewing.

Best Free Mint Alternatives


Who is it recommended for?  Those who love the Dave Ramsey approach and want a free option.

Affiliated with Dave Ramsey, will help you create a monthly budget so that you can achieve your money goals and is considered to be a wonderful Mint alternative.

And if you’re a fan of the Dave Ramsey show, then you probably heard him talking about this service before.

While the company does note it’s free to join, the free option does not include phone support or automated transactions if you want to link your bank account. So, as you can imagine, it could take a lot of your time to manually input this information daily if you don’t link your account.

This is really up to you, however, as manually inputting could take time but will still get the job done.

Regardless, both the free and paid version can provide you with a simplistic dashboard to help plan your expenses and track your spending.

To sign up and/or learn more about this free tool, you can do so at

Personal Capital

Who is it recommended for?  Those looking for a free Mint alternative that primarily focuses on investments.

Personal Capital appears to be a favorite among many financial bloggers online, and while some promote it solely because they are getting a kickback in commissions, others genuinely recommend it for a few reasons.

I feel it’s justified to be here for a myriad of reasons.

Being web-based, again, primarily focused on investing, Personal Capital allows you to do the following:

  • Get a real-time view and track your financial life with the “award-winning” dashboard
  • Build, manage and forecast your retirement with the “Retirement Planner”
  • Compare your portfolio’s allocation to your ideal target allocation to see if you’re on track
  • Find hidden fees with the company’s “Fee Analyzer” tool

And the best thing?

It’s 100% free to use these tools as the company relies on their wealth management services to fund the project, which is 100% optional.

If you’re looking for an alternative that focuses more on investing rather than just spending and budgeting, then I highly recommend you give Personal Capital a look.

The company encourages you to link all of your accounts and then schedule a free consultation with a Personal Capital Advisor.  While this consult is free, the Advisor will simply discuss the wealth management services they offer which are available for a fixed fee as well as your financial picture in detail.  Again, it’s all 100% optional.

If interested, you can sign up now for the free tools via this link.

Status Money

Who is it recommended for?  Those who want to compare their current net worth to others in the United States.

To me, I thought Status Money was pretty cool as it allowed me to compare my finances with millions of other people like me who were active on the website.

So for example, you could compare your current credit card interest rates to other people with similar credit scores like you to see how close your rate was.  If it was higher, then the company would recommend steps you could take to save on your interest.

Or if you wanted to know how your net worth compared in your demographic, you could do so as well.

In a world where talking money is so taboo, this is a great way to dive in and really see how you stand in terms of finances.

Like all of these Mint alternatives on this list, you would have to connect any of your financial accounts for it to be effective, and Status Money also asks you to fill out your demographic profile to help with the comparison feature.

Aside from comparing yourself to others, Status Money also compares and analyzes your interest rates, spending habits, debts, and assets to help you find opportunities to help you save and earn “smarter.”

Since Status Money is able to run via its advertisers, signing up is 100% free.

You can learn more about the tool at

Money Manager Expense & Budget

Who is it recommended for?  Those looking for a low-cost option designed for Android devices.

As I write this, the free Money Manager Expense & Budget app is the #1 financial planning, review, expense tracking and personal asset management app for Android, with a 4.6/5 rating from over 150,000 Android reviewers.

While it doesn’t appear there’s a desktop version (there is a way to mirror it to your desktop, however), it can make for a fantastic free Mint alternative if you don’t mind using your mobile phone.

The app allows you to record your personal/business financial transactions, generate spending reports, review your financial data as well as manage your assets.

While you are limited to 10 assets in the free version, you can get unlimited assets and no ads with the paid version.  For some, these 10 assets will be more than enough.

To learn more about the app and its features, you can view the official app page here.


Who is it recommended for?  Those looking to stick to a monthly budget in a simplistic way without the need to categorize their spending.

Swish is a budgeting app designed to be so simple that you will actually use it to finally understand where your money is going.

There are no spreadsheets, not complex reports or multiple budgets as the company simply sticks to one.

So instead of categorizing multiple transactions, you can just take a glance at one budget and see where you stand.

Focused primarily for those looking to budget, Swish lets you see how much money you have to spend for the month, help understand where your money is going and let you know when you complete a particular goal.

Swish does allow you to connect your bank accounts and it’s available for Android and iOS as well.

To learn more about this simplistic budgeting software, visit


Who is it recommended for?  Those who want a free option and don’t mind an “open source” piece of software.

GnuCash is a free personal and small-business financial-accounting software package that’s 100% free under the GNU GPL.

Available for Windows, Linxus and Mac users, GnuCash helps you track your bank accounts, stocks, income and expenses, along with a myriad of additional features.

While some users have claimed it has a bit of a learning curve, it can be an excellent product once you get the hang of it.

And while you cannot directly link your bank accounts like many of these alternatives, you can export Quick formats (QFX/OFX) if you wish.

If you want to check it out, you can check out the features and even download the software by visiting  Even if you don’t like it, you can always uninstall afterward if you so choose.


Who is it recommended for?  Those who want to budget together as a couple.

HoneyDue is a unique option I found because it focuses on couples, allowing you and your partner to manage your finances together with one app.

The app, available on both iTunes and Google Play, allows you to track your bills, bank balances and spending together, all while setting reminders and setting goals to stay on budget as a couple.

Aside from the abovementioned features, the app also offers the following perks:

  • You can choose how much you want to share with your partner
  • Set spending limits in particular categories
  • Add custom categories
  • Set reminders
  • Send a thumbs up or emojis to encourage your partner
  • Support for more than 10,000 banks with bank-level security and much more…

HoneyDue is 100% free and could a wonderful option for couples who are struggling to budget together.

For more information, refer to the official iTunes and Google Play page.

Clarity Money

Who is it recommended for?  Those who want to stay on top of their budgeting and be warned about fraudulent charges.

Formerly known as Prosper Daily, Clarity Money allows users to track their spending and even protect credit cards from fraudulent charges, a unique feature many of these apps did not offer.

Aside from this cool feature, Clarity Money will also help track your spending, similar to that of Mint, allowing you to see your balances, recurring charges, and charges that were flagged by the community.

And if you see a recurring charge you want to cancel, you can do so right on your dashboard.

Other features include checking your credit score for free and goal setting.

As one of the best 100% free apps on the market, you can learn more about ClarityMoney at


Who is it recommended for?  Those who want a free simple app that simply tracks spending with no bank connections.

As a highly rated money manager app (4.5/5 with 121K reviews), Monefy lets you track your expenses successfully and all it takes on your part is adding an expense you do and nothing more.

Then, whenever you make a purchase, open the app, and record your transaction for that particular category.

Extremely easy to use, Monefy lets you add records fast, offers multi-currency support and informative charts, displaying detailed information from the records list.

While the app is free to use, there is a paid version ($2.50), which is said to have no ads or restrictions.

To learn more about the app and its features, you can find out more at

Google Sheets or Excel

Who is it recommended for?  Those who like simplicity and don’t mind using a template on either Excel or Google Sheets.

Don’t want any bells or whistles and simply want to budget on your own?

Consider downloading a free budget template for Google Sheets or Excel and insert the numbers yourself.

This is what I do as I guess I’m a simplistic person and just want to see how much I should prepare for financially for the month.

In doing so, it will work a lot like these alternatives; however, you may be limited in features such as linking your bank account or getting a fancy category graph.

To find a free budget template that works for your finances, I would recommend you either check out the official template gallery inside the software or search for something along the lines of “free budget templates.”

By downloading these templates, it will already be set up in a way so that all you need to do is input your financial information.


Who is it recommended for?  If you want a free option with nice graphing options.

MoneyStrands is 100% free, allowing you to sync your accounts, set any number of saving goals and the ability to set your budgets.

With all of the numbers it crunches, it can then produce some nice looking graphs, breaking down your expenses for the month.  It’s a great option if you’re more of a visual person.

The app is very easy to use, clean, and the most unique thing about it is that you can anonymously compare yourself to other users to see where you stand financially.

Paid Mint Alternatives

Quicken Personal Finance

Who is it recommended for?  Those who want a Windows/Mac-based software platform that tracks personal spending in depth.

Quicken Personal Finance for Windows helps you stay on top of your spending as well as help manage your investments and packages start at as little as $25.

Unfortunately, the newer Quicken software packages require you to renew every year.

Similar to a lot of these budget-based apps I talk about here, the one key difference I found is that you could pay your bills via some smaller banks that do not offer this feature; however, it would come at a fee.

Additional features, as per the official website, included:

  • Manage your money on the go, from the web to your mobile phone
  • Access to 11,000+ billers
  • Enhanced Portfolio View
  • Secure online backup via Dropbox
  • Bills Calendar View
  • Reminders
  • Tax Planner

Quicken does offer a variety of membership packages, each with its own features, but you can see more of the details in depth here.

If interested in the Quicken Personal Finance package, I highly recommend you check out Amazon as the retailer often offers an exclusive that could save you even more than the official website.  It also allows you to compare the prices of older versions as they are quite similar.

PRO TIP:  Now that Quicken is a subscription-based piece of software, consider looking for older versions, either on Amazon or eBay, to see if you can snag an older version.  That way, you don’t have to pay a subscription fee but still get the budgeting software.  Even though the software may be outdated, managing a budget really doesn’t, so you will still benefit from the software, I promise!


Who is it recommended for?  Those who want to look at their finances 30 years in the future and know what to change.

PocketSmith helps you budget your personal finances, but the website heavily depends on helping you understand your money with its cash flow forecasts.

With these forecasts, it simply means you can see where your money is going and help you get control over your spending for the next 30 years based on your past trends.

As with all of these apps, PocketSmith will ask you to link your bank accounts, credit cards and loan accounts all in one place in order for the “Live Bank Feeds” to keep your dashboard updated.

Once you’re done linking the accounts, your dashboard will then show how your savings will reward you by revealing your projected daily balances up to 30 years in the future.  This will depend on which plan you sign up for.  For example, the free version only allows you to look six months into the future.

You can also play with “what-if” scenarios as well to see how your balances could change.  This could include asking questions, such as “Can I afford a mortgage?” or “How long will it take before I can take that vacation?”

While most solutions help you track your expenses, PocketSmith wants to help plan for your future.

And the cool thing?

You can actually tie in PocketSmith with your Mint account if you don’t want to quit Mint just yet.

With no advertisements, PocketSmith does have a free basic account, but you’re pretty limited, such as a 6-month projection instead of a 30-year projection on in the “Super” account tier.

If interested in a paid plan, they start at $9.95 per month or $7.50 if paying annually.

To learn more about the plan and software, you can do so here.

You Need a Budget (YNAB)

Who is it recommended for?  Those looking for a way to budget before a dollar is even spent.

If you have used Mint in the past, then you know it focuses a lot of tracking your spending after you already made the purchase.

This is where You Need a Budget (YNAB) comes in.

YNAB wants to start planning your budget ahead of time before you even think about spending your cash.   That way, you will know exactly what you can afford at the time of a purchase.

More known for a budgeting app, rather than an investing app, YNAB is quite detailed as it offers quite a few features, including the following:

  • Bank syncing, allowing you to connect all of your banks in one place to keep up to date with your spending habits
  • Ability to access your info, in real-time, from ANY device
  • Tools and teaching tips to keep you out debt
  • Goal setting and progress details

Now here’s the thing.

Unfortunately, YNAB isn’t free as it costs about $6.99 a month, but the company does let you try it for free.

But if you do decide to sign up, you can manually enter your transactions if you’re not comfortable linking your bank account or synchronize your bank accounts.  The choice is yours.

In the end, I would highly recommend YNAB for those who are looking to change their money habits and/or those who follow the “zero-sum” budget philosophy.

If interested, you can read more about the method via the company’s official website at


Who is it recommended for?  Those looking for an alternative to import all data from Quicken and Mint.

The great thing about CountAbout is that it gives you the opportunity to import data directly from Quicken and Mint if you want to simply switch and import, without having to worry about doing much.

And being on the market for quite a while now, it’s looked like an alternative for those who grew tired of the Mint/Quicken-based products.

Automatically downloading all of your transactions into one place, it helps you create a budget with the click of a button.

And while I didn’t get the chance to play around with it, most reviewers online stated that it was a much more simplistic planning tool in comparison to other alternatives on this list.

CountAbout does have a small fee, starting at $9.99 a month, depending on which tier you want, but if you’re a data junkie and want to import from Quicken or Mint, then this could be your only option.  They do offer a free trial, however, if you’re kind of on the fence.

To learn more about CountAbout and its features, visit


Who is it recommended for?  Those looking for a version built just for Apple.

Banktivity will connect all of your bank accounts in one place to help you make a smarter financial decision.

Whether you want to set up a financial goal or grow your wealth, Banktivity offers a variety of features, including:

  • Envelope budgeting feature to help hit your goals
  • Keep track of your long-term investments such as your home value
  • Monitoring, reporting and managing investments
  • Calculates your savings rate to make sure you’re building wealth
  • Breakdown of your net worth throughout time
  • Tracks multiple investment metrics, such as gains, dividend returns, the return on your investment and more.

For its paid members, Banktivity also offers free weekly courses, a Personal Finance 101 blog and live chat seven days of the week.

It does cost money, with packages starting at $64 (depending on version); however, they do offer a 90-day money-back guarantee and 30-day full-featured free trial, with no credit card required if you do want to try it out.

To learn more about Banktivity and its features, visit  As of right now, it’s only available for macOS and iOS.


Who is it recommended for?  Those looking for a non-cloud software alternative to Mint.

If you’re looking for a Mint alternative which doesn’t upload your personal financial information to the “cloud,” then this is where MoneyDance can work.

It also appears to be the next closest thing if you don’t want to invest in Quicken, either.

With the ability to link your accounts for automatic transactional updates, MoneyDance has everything you need:  online banking, bill payment, account management, budgeting and investment tracking.

You can even create customized charts to create a larger financial picture to help understand your spending habits.

The company does allow you to try it out for free for the first 100 transactions, but after, you will be asked to pay a $49 one-time fee.

To learn more about MoneyDance, you can view screenshots and more all at

Toshl Finance

Who is it recommended for?  Those looking for a budgeting-only app.

Toshl Finance allows you to track all of your credit cards and cash all in one place.

Connect your financial accounts and let Toshl do the work automatically, or if you’re uncomfortable with that idea, enter your expenses manually and let Toshl do the rest.

Designed to monitor your spending, the company offers a variety of features, including:

  • Easy data entry from more than 9,000 different banks
  • Useful graphs offering a big picture overview of how your money flows
  • Budgets broke down by categories, tags or accounts
  • Ability to sync with multiple devices and the web app

The company offers both free and paid plans, with free users able to create two financial accounts and two budgets.

Pro users, on the other hand, receive unlimited budgets, financial accounts, and receipt scans, to name a few, whereas the Medici account, the highest tier, offers the ability to import data from a financial institution.

To use and learn more about it, you can either download it for your phone via iTunes or Google Play or use the desktop version.

Tiller Money

Who is it recommended for?  Those looking for spreadsheet options.

Tiller allows you to manage your money in a spreadsheet, stating they are the only service that automatically updates Google Sheets and Excel with your daily spending, transactions and balances.

And if you’re a fan of spreadsheets, then you may want to place Tiller high on your list.

Here’s how it works…

Sign into your Google account and link your Tiller account.  Everything is protected with bank-grade 256-bit AES encryption.

Then, once all of your accounts are successfully linked, you can see all of your accounts in one place and even create multiple spreadsheets for your needs.

On your dashboard, you will be able to use the budget template, snowball spreadsheet, net worth track or you can even create your own as mentioned.

Tiller does cost $59 a year, but they do let you try it for free for 30 days.  They also offer a 100% guarantee.

With a paid account, you can use unlimited spreadsheets and link unlimited accounts.  The company works with more than 16,000 banks and institutions.

For more information, visit to check out the features in depth.


Who is it recommended for?  Those looking for a digital envelope budgeting system and want to connect their bank account.

Mvelopes takes the old-fashioned envelope budget concept, most commonly heard on the Dave Ramsey radio show, and created a digital version.

Simply put, Mvelopes lets you connect your bank accounts and then create virtual envelopes.

Then, when you spend money, you will assign each purchase to an envelope to show you how much money you have left for the month.  Once gone, you would know it’s time to stop spending.

The website isn’t free, but the most “basic” plan starts at $4 a month, which should be enough if you’re looking to simply budget using this approach.  While there are higher tiers, they appear to offer a personal finance coach and access to a learning center, but it’s up to you to figure out if the additional $15+ a month is worth it.

Mvelopes has many features, plans and success stories, so if you want to check them out, I encourage you to visit the official website at


Who is it recommended for?  Those looking for a digital envelope budgeting system.

If you’re a fan of the Dave Ramsey envelope approach, GoodBudget takes the same approach, but it’s more of a digital approach.

Who wants to carry around envelopes anyway?

Using the website, the free portion of the website allows you to create up to 10 “regular” envelopes and another 10 “additional” envelopes, but you can upgrade for additional features.

However, as one of the biggest downfalls, even with the “Plus Plan,” is that you cannot sync your bank account information with the website.  You are able to upload your bank statements manually if you choose, though.

While I wouldn’t say this is the best option on this list, I just wanted to include it if you’re a fan of the envelope budgeting approach.

To learn about the features and pricing tiers in depth, visit


Who is it recommended for?  Those looking for a simple spending app that’s very user-friendly.

Saver allows you to track your expenses in a matter of seconds, simply by clicking on the “add expense” button and then categorizing it using one of their 15 category options.

And while you cannot connect your bank account directly to the app, it could be a great choice for those who do not want to connect their bank account and want something extremely easy to use.

Once you complete your transactions, you can then track your expenses in the form of a pie chart.

Saver is not as advanced at Mint, but I just wanted to include it here because it’s extremely easy to use and is a decent option for those who just want to track their spending.

To learn more, you can visit

Final Thoughts

As you can see, there are quite a few alternatives, both free and paid, and in the end, the best option for you greatly depends on what you’re looking for.

If you’re looking for personal spending tracking only, then the EveryDollar app may make sense.

However, if you want to see why you’re spending too much money, then the YNAB will make more sense.

Pay close attention to each description and see who I recommended it for.  If it sounds like you, then you may want to try it out.

Since most of these apps do offer a free trial, you can always cancel if you’re unhappy with the website/app, so you really have nothing to lose.

If I’m missing any, do share your thoughts in the comments below as I would love to hear about them!

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Tom Nathaniel

Hi! My name is Tom Nathaniel, and I created LushDollar to help share my honest thoughts on everything money. You won't find gimmicks here. It's the Internet's most honest money site after all. I graduated from Arizona State University, and I have worked in the finance industry since 2006, consulting with multiple Fortune 5000 companies.

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