What is the best free Mint alternative?

abda and Credit Karma are both free. abda adds AI spending insights, budgets, and a way to earn cash; Credit Karma focuses on credit scores rather than budgeting.

Which Mint alternative has the best AI?

abda gives plain-English AI spending insights and monthly reviews on its free tier, so you get analysis and recommendations without paying for a subscription.

Can I still budget the way I did in Mint?

Yes. abda, Monarch Money, and YNAB all offer budgeting. Credit Karma — where Mint users were sent — does not include full budgeting.

Comparison

Best Mint alternatives in 2026 (after Mint shut down)

Intuit shut down Mintin March 2024 and moved users to Credit Karma — which tracks balances and credit scores but dropped Mint's hands-on budgeting. If you're hunting for a replacement, here are the best Mint alternatives in 2026, compared.

The short version: abda is the only one here that pairs AI money management with a way to earn — connect your bank for AI insights and earn cash on the offer wall, free to start.

Mint alternatives at a glance

App	AI insights	Earn cash	Free tier	Best for
abda★	Yes	Yes	Free to start	Earning + managing money in one app
Monarch Money	Some	—	Trial only	Couples & households
Copilot Money	Yes	—	Trial only	Design-first tracking
YNAB	—	—	Trial only	Strict zero-based budgeting
Rocket Money	Limited	—	Free + premium	Canceling bills & subscriptions
Credit Karma	—	—	Free	Credit scores (Mint's successor)

A closer look at each

abda

The all-in-one option. Connect 12,000+ banks through Plaid (read-only) for AI spending insights, budgets, and monthly reviews — and earn real cash on the offer wall by playing games, taking surveys, and completing offers. Free to start, with an optional Pro plan.

Monarch Money

A polished tracker built for couples and shared households, with collaborative budgets and some AI assistance for categorizing transactions. Subscription only, no free tier.

Copilot Money

A design-first money tracker with smart categorization and clean charts, popular with iOS and Android users who want a beautiful daily-driver. Subscription after a trial.

YNAB (You Need A Budget)

The gold standard for strict zero-based budgeting — give every dollar a job. A learning curve and a subscription, but loved by hands-on budgeters. No AI insights.

Rocket Money

Best known for spotting and canceling subscriptions and negotiating bills. Has a free tier; the most useful features (bill negotiation, smart savings) sit behind premium.

Credit Karma

Mint's official successor — Intuit migrated Mint users here. Great for free credit-score tracking and account balances, but it dropped Mint's hands-on budgeting tools.

Why people pick abda

Most Mint alternatives only track your money. abda lets you earn, manage, and save in one free app — AI insights on your spending, plus real cash on the offer wall. No subscription required to get started.

Try abda free

Frequently asked questions

Is Mint really gone?: Yes. Intuit discontinued Mint in March 2024 and directed users to Credit Karma, which tracks balances and credit scores but does not replace Mint’s budgeting tools.
What is the best free Mint alternative?: abda and Credit Karma are both free. abda adds AI spending insights, budgets, and a way to earn cash; Credit Karma focuses on credit scores rather than budgeting.
Which Mint alternative has the best AI?: abda gives plain-English AI spending insights and monthly reviews on its free tier, so you get analysis and recommendations without paying for a subscription.
Can I still budget the way I did in Mint?: Yes. abda, Monarch Money, and YNAB all offer budgeting. Credit Karma — where Mint users were sent — does not include full budgeting.