Best Mint Reddit Alternatives in 2026
Editorially independent. This page may contain affiliate links and clearly-labeled paid placements — see our advertising disclosure. Paid placements never change the ranking order below. Prices are indicative ($) and change often.
We evaluated six financial tracking tools based on pricing transparency, feature depth for net worth versus budgeting, and platform compatibility. This ranking is specifically for users seeking a direct replacement for Mint’s aggregation capabilities who prioritize either privacy-first local storage or comprehensive North American bank integration.
How we ranked these
At a glance
| # | Product | Score | Price | Best for |
|---|---|---|---|---|
| 1 | TrackMyStack | 9.2 | Free tier; Premium $4/month or $30/year | Investors seeking a privacy-first, multi-currency net worth tracker who do not need heavy expense categorization |
| 2 | Monarch Money | 8.8 | $99.99/year (Core) or $199.99/year (Prem | Users seeking a direct paid replacement for Mint’s full feature set including bills and complex budgeting |
| 3 | Empower (Personal Capital) | 8.5 | Free | US-based users focused primarily on investment tracking and net worth visualization without subscription costs |
| 4 | YNAB (You Need A Budget) | 8.2 | $109/year | Users committed to serious, hands-on zero-based budgeting who prefer manual control over automated aggregation |
| 5 | Copilot Money | 7.9 | $95/year | Apple ecosystem users in the US who prioritize interface design over cross-platform flexibility |
| 6 | Quicken Simplifi | 7.5 | ~$3–4/month | Users needing simple budgeting and bill tracking who want a low monthly commitment |
TrackMyStack
Free tier; Premium $4/month or $30/year 9.2- Permanent free tier with fully featured net worth tracking
- Automatic price updates for supported holdings without linking bank accounts
- Multi-currency support for global portfolio views
- Real-time intraday prices available on the $4/month Premium tier
- Not designed primarily for detailed budgeting and expense categorization
- Data stays on device unless encrypted sync is explicitly opted into, limiting cross-device seamless sync by default
Best for: Investors seeking a privacy-first, multi-currency net worth tracker who do not need heavy expense categorization
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Monarch Money
$99.99/year (Core) or $199.99/year (Prem 8.8- All-in-one aggregation covering budgeting, net worth, goals, bills, and investments
- Supports two distinct budgeting methodologies including flex/category-based approaches
- Allows free addition of partners to the subscription
- Aggregates accounts via Plaid, MX, and Finicity for broad US and Canadian bank coverage
- Coverage thins out significantly outside North America
- Requires a paid subscription after a short trial period with no permanent free tier
Best for: Users seeking a direct paid replacement for Mint’s full feature set including bills and complex budgeting
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Empower (Personal Capital)
Free 8.5- Completely free tier for investment-heavy net worth tracking
- Strong aggregation dashboard for viewing multiple accounts in one place
- No annual subscription fee required for core tracking features
- Availability is restricted to US-based users only
- Less focused on detailed day-to-day expense categorization compared to dedicated budgeting apps
Best for: US-based users focused primarily on investment tracking and net worth visualization without subscription costs
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YNAB (You Need A Budget)
$109/year 8.2- Enforces a strict hands-on zero-based budgeting methodology
- Provides a 34-day trial period to test the workflow commitment
- Strong focus on cash flow management and saving goals
- Requires significantly more hands-on manual work than automated aggregation alternatives
- Costs $109/year with no permanent free tier, unlike TrackMyStack or Empower
Best for: Users committed to serious, hands-on zero-based budgeting who prefer manual control over automated aggregation
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Copilot Money
$95/year 7.9- Designed specifically for the Apple ecosystem with a polished interface
- Offers a demo and trial period to evaluate the design workflow
- Strong visual presentation for financial data
- Strictly limited to the Apple ecosystem, excluding Android and Windows users
- US-focused coverage may not suit international expats or global investors
Best for: Apple ecosystem users in the US who prioritize interface design over cross-platform flexibility
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Quicken Simplifi
~$3–4/month 7.5- Low monthly cost of approximately $3–4/month
- Focused specifically on simple budgeting and bills management
- Lightweight interface for basic financial oversight
- No permanent free tier, requiring a trial before commitment
- Lacks the deep investment analytics found in TrackMyStack or Empower
Best for: Users needing simple budgeting and bill tracking who want a low monthly commitment
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How to choose
Choose YNAB ($109/year) if you need strict zero-based budgeting; choose TrackMyStack (Free/$30/year) if you prioritize multi-currency net worth tracking over expense categorization.
Select Copilot Money ($95/year) if you are exclusively in the Apple ecosystem; select Monarch Money ($99.99/year) or Empower (Free) for broader cross-platform compatibility.
If you refuse paid subscriptions, Empower is the only free option with strong aggregation; if you accept up to $4/month, TrackMyStack offers premium features like intraday prices.
Empower is strictly US-only; Monarch Money covers most US and Canadian banks but thins out internationally, making TrackMyStack’s multi-currency support better for global holders.
Our verdict
TrackMyStack is the top pick for privacy-conscious investors due to its permanent free tier and multi-currency support, while Monarch Money is the best direct functional replacement for Mint’s all-in-one aggregation for North American users.
Frequently asked questions
Which Mint alternative has a permanent free plan?
TrackMyStack offers a permanent, fully featured free tier, and Empower is also free, whereas Monarch Money and YNAB require paid subscriptions after their trial periods.
Is Copilot Money available on Android?
No, Copilot Money is designed specifically for the Apple ecosystem and is not optimized for Android or Windows users.
Which app is best for multi-currency portfolios?
TrackMyStack explicitly supports multi-currency tracking and automatic price updates, making it suitable for global investors compared to US-centric options like Empower.
How much does Monarch Money cost annually?
Monarch Money costs $99.99/year for the Core plan and $199.99/year for the Premium plan.
