Mint vs. Monarch Money: Why Mint Users Are Switching (2026)
Our Verdict: Mint is gone, and many users migrated to Monarch Money. Monarch is a strong replacement at $9.99/month, but for users who liked Mint's free price, New Day Budgeting offers more budgeting features than either Mint or Monarch — for free.
Feature Comparison
| Feature | New Day Budgeting | Mint vs Monarch Money |
|---|---|---|
| Status | Discontinued (Mint) | Active ($9.99/month, Monarch) |
| Free Tier | Was free (ad-supported) | No (7-day trial) |
| Budget Categories | Yes | Yes |
| Investment Tracking | Limited | Yes — comprehensive |
| Credit Score | Yes | No |
| Bank Sync | Yes (free) | Yes (included) |
| Bill Tracking | Yes | Yes |
| AI Features | No | No |
| NDB Alternative | Free with AI + gamification | Better budgeting than either, $0/month |
Pricing Comparison
| Plan | New Day Budgeting | Mint vs Monarch Money |
|---|---|---|
| Mint (was) | ||
| Monarch | ||
| New Day Budgeting |
Pros and Cons
New Day Budgeting
Pros
- Monarch is the most popular Mint replacement with comprehensive features
- Monarch investment tracking exceeds what Mint offered
- Clean design and modern interface
Cons
- Monarch costs $9.99/month — Mint was free
- Neither Mint nor Monarch had AI or gamification
- Former Mint users lose free bank sync
Mint vs Monarch Money
Feature Comparison
| Feature | New Day Budgeting | Mint vs Monarch Money |
|---|---|---|
| Status | Discontinued (Mint) | Active ($9.99/month, Monarch) |
| Free Tier | Was free (ad-supported) | No (7-day trial) |
| Budget Categories | Yes | Yes |
| Investment Tracking | Limited | Yes — comprehensive |
| Credit Score | Yes | No |
| Bank Sync | Yes (free) | Yes (included) |
| Bill Tracking | Yes | Yes |
| AI Features | No | No |
| NDB Alternative | Free with AI + gamification | Better budgeting than either, $0/month |
Our Verdict
Mint is gone, and many users migrated to Monarch Money. Monarch is a strong replacement at $9.99/month, but for users who liked Mint's free price, New Day Budgeting offers more budgeting features than either Mint or Monarch — for free.
Who Should Choose What?
- Array
- Array
Frequently Asked Questions
What happened to Mint?
Intuit shut down Mint in early 2024 and migrated users to Credit Karma, which focuses on credit scores and financial product recommendations — not budgeting.
Is Monarch Money the best Mint replacement?
Monarch is a popular choice because it replicates and exceeds Mint's feature set. However, at $9.99/month, it is a big step up from Mint's free price. New Day Budgeting offers a free alternative with AI and gamification.
Is there a free Mint replacement with bank sync?
Empower (free) offers bank sync with investment tracking. For budgeting with bank sync, New Day Budgeting Pro is $4.99/month. No free app currently offers comprehensive budgeting with bank sync.