Mint Shut Down? Here Are Your Best Alternatives
Mint was great for tracking spending, but it lacked scenario planning. Whether you're looking for a replacement tracker or a more powerful planning tool, we've compared the top alternatives to help you find the perfect fit.
Intuit shut down Mint in January 2024, leaving millions of users searching for alternatives. If you're one of them, you're probably wondering: What's the best replacement?
The answer depends on what you actually need:
- •If you want bank syncing + spending tracking → YNAB or PocketGuard
- •If you want to plan specific financial scenarios → BudgetCalcPro
- •If you want a combination → Try our free tier first, then decide
This guide compares the top Mint alternatives so you can make an informed decision.
Quick Comparison
| Feature | YNAB | PocketGuard | BudgetCalcPro |
|---|---|---|---|
| Price | $14.99/month | $3.99-9.99/month | $9.99/month |
| Bank Syncing | |||
| Spending Tracking | |||
| Calculators | 61 | ||
| Debt Payoff Planning | Basic | Basic | Advanced |
| Retirement Planning | 8+ | ||
| Mortgage Calculator | |||
| Investment Planning | 5+ | ||
| Best For | Methodology-driven budgeting | Simple tracking | Scenario planning |
Detailed Comparison
YNAB
You Need A Budget - $14.99/month
Best for: People who want to learn a specific budgeting methodology
Pros:
- Teaches you the YNAB method
- Full bank syncing
- Strong community
- Mobile app available
Cons:
- Most expensive ($14.99/month)
- Steep learning curve
- No calculators
- No retirement planning
PocketGuard
$3.99-9.99/month
Best for: Mobile-first users who want simple spending tracking
Pros:
- Most affordable option
- Mobile-first design
- Bank syncing included
- Simple interface
Cons:
- Limited features
- No calculators
- No planning tools
- Limited desktop experience
BudgetCalcPro
$9.99/month (Calculator-First Alternative)
Best for: People who want to plan specific financial scenarios
Pros:
- 61 calculators
- Cheaper than YNAB
- Free tier available
- Advanced debt payoff
- Retirement planning
- No ads, no data selling
Cons:
- No bank syncing
- No spending tracking
- Smaller community
Why BudgetCalcPro is Different
While YNAB and PocketGuard focus on tracking spending, BudgetCalcPro focuses on planning scenarios.
Think of it this way:
- →Tracking tools answer: "Where did my money go?"
- →Planning tools answer: "Where should my money go?"
The 61 Calculators Advantage
Debt Management
- • Debt payoff calculator
- • Credit card payoff
- • Student loan calculator
- • Auto loan calculator
- • Mortgage calculator
- • Debt consolidation
- • DTI calculator
Retirement Planning
- • Retirement calculator
- • Retirement withdrawal
- • 401k match calculator
- • HSA vs. PPO
- • Early retirement
- • Social Security
- • Pension calculator
Savings & Goals
- • Savings goal tracker
- • Emergency fund
- • College savings
- • Down payment savings
- • Vacation savings
- • Wedding savings
- • Baby budget
Investment Planning
- • Investment return
- • Compound interest
- • Dividend growth
- • Investment allocation
- • Rental ROI
- • Stock portfolio
And 20+ more specialized calculators... covering income planning, budgeting, lifestyle planning, and more.
Real-World Scenarios
Scenario 1: Pay Off Credit Card Debt
"I need to pay off $15,000 in credit card debt"
YNAB:
Can track payments, but won't show payoff timeline
PocketGuard:
Can track payments, but won't show payoff timeline
BudgetCalcPro:
Shows exact payoff date, compares Snowball vs. Avalanche, shows interest savings
Winner: BudgetCalcPro
Scenario 2: Plan to Buy a House
"I'm planning to buy a house in 3 years"
YNAB:
Can track savings, but won't show affordability
PocketGuard:
Can track savings, but won't show affordability
BudgetCalcPro:
Calculates affordability, down payment needed, mortgage vs. rent comparison
Winner: BudgetCalcPro
Scenario 3: Plan for Retirement
"I want to retire in 20 years"
YNAB:
No retirement planning tools
PocketGuard:
No retirement planning tools
BudgetCalcPro:
Calculates retirement savings needed, shows monthly savings required, compares scenarios
Winner: BudgetCalcPro
Scenario 4: Track Daily Spending
"I just want to track my spending"
YNAB:
Full spending tracking with bank syncing
PocketGuard:
Full spending tracking with bank syncing, mobile-first
BudgetCalcPro:
Not designed for spending tracking
Winner: YNAB or PocketGuard
How to Choose
Choose YNAB if:
- You want to learn a specific budgeting methodology
- You have complex finances (multiple accounts, investments)
- You want full bank syncing and automated tracking
- You're willing to pay $14.99/month
Choose PocketGuard if:
- You want simple spending tracking on your phone
- You prefer a mobile-first experience
- You want the cheapest option ($3.99-9.99/month)
- You don't need planning tools
Choose BudgetCalcPro if:
- You want to plan specific financial scenarios
- You need debt payoff planning tools
- You're saving for retirement and want planning calculators
- You're thinking about buying a house
- You want to understand your investment options
- You prefer a calculator-first approach
The Hybrid Approach (Recommended)
Many users find the best solution is using two tools together:
BudgetCalcPro for planning
Debt payoff, retirement, mortgages, investments
PocketGuard for tracking
Spending, bank syncing, mobile
Cost: $9.99 + $3.99 = $13.98/month
Still cheaper than YNAB at $14.99/month
Benefit: You get scenario planning + spending tracking without the complexity of YNAB
Frequently Asked Questions
Does BudgetCalcPro sync with my bank?
No, BudgetCalcPro doesn't sync with banks. You enter numbers manually. This is actually a feature—you get privacy without worrying about data breaches or your data being sold.
Can I track my spending with BudgetCalcPro?
BudgetCalcPro is designed for planning, not tracking. If you need spending tracking, use PocketGuard ($3.99-9.99/month) alongside BudgetCalcPro.
Is BudgetCalcPro better than Mint?
They're different tools. Mint was great for tracking spending. BudgetCalcPro is better for planning specific scenarios. If you miss Mint's tracking, try PocketGuard.
Can I use BudgetCalcPro for couples/families?
Yes, you can share calculators and results. Multiple people can use the same account or create separate accounts.
What if I don't like BudgetCalcPro?
Try the free tier first (5 calculators, no payment required). If you upgrade and don't like it, cancel anytime. No long-term commitment.
How is BudgetCalcPro different from a spreadsheet?
Spreadsheets require you to build formulas. BudgetCalcPro has pre-built, tested calculators that do the math instantly. Just enter your numbers and get results.
Is my data safe with BudgetCalcPro?
Yes, we use industry-standard encryption and don't sell your data. Your financial information is private.
Bottom Line
If you're looking for a Mint replacement:
- →For tracking spending: Use PocketGuard ($3.99-9.99/month)
- →For planning scenarios: Use BudgetCalcPro ($9.99/month)
- →For both: Use PocketGuard + BudgetCalcPro ($13.98/month, still cheaper than YNAB)
- →For methodology: Use YNAB ($14.99/month)
Our recommendation: Start with BudgetCalcPro's free tier (5 free calculators). If you like the calculator-first approach, upgrade to premium. If you need spending tracking, add PocketGuard.
Ready to Plan Your Financial Future?
Try BudgetCalcPro free—no credit card required. Start with our 5 free calculators and see if the calculator-first approach works for you.
Upgrade to premium ($9.99/month) to access all 61 calculators and advanced features.
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