The short answer: yes. Monarch Money is the best Mint replacement available. Here's everything you need to know.
Monarch Money is the spiritual successor to Mint — built by the same people, with the same philosophy, executed far better. Automatic bank sync, AI categorization, investment tracking, shared accounts, and a clean dashboard that Mint users will recognize immediately.
Monarch connects to 12,000+ banks, credit unions, credit cards, and investment accounts via Plaid and Finicity — the same infrastructure Mint used. Setup takes about 5 minutes.
Monarch automatically categorizes every transaction using AI. Categories are fully customizable and rules can be set so recurring merchants are always tagged correctly.
Brokerage accounts, 401(k)s, and IRAs sync automatically. Monarch shows performance, allocation breakdown, and net worth including all investment accounts in one dashboard.
Add a partner at no extra cost. Both users see the same budget, transactions, and goals in real time. This was a Mint feature that no other competitor offers for free.
Monarch detects recurring bills and income, then projects your account balance weeks in advance so you never get caught short before a paycheck.
Export your Mint transaction CSV and import it directly into Monarch. Your entire financial history comes with you. No other app handles Mint migration this smoothly.
| App | Price/yr | Free Plan | Investments | Mint Score |
|---|---|---|---|---|
| Monarch Money | $99.99 | ✗ | ✓ | 95% |
| Rocket Money | Free–$48 | ✓ | ✓ | 88% |
| YNAB | $109 | ✗ | ✗ | 82% |
| Simplifi | $71.88 | ✗ | ✓ | 80% |
No credit card required. Connect your accounts, import your Mint data, and see if it's right for you — before spending a cent.
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