A number of Mint alternatives have also appeared and have expertly filled the gaps in Mint’s services. We’ve summarized what Mint does well (and where the financial planning tool needs improvement) and rounded up the best Mint alternatives that just might suit your needs perfectly
Best Alternatives to Mint:
- Personal Capital
- You Need A Budget (YNAB)
- Tiller Money
- Status Money
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Mint Pros and Cons
Some of the features that draw investors to Mint include:
Plenty of alert features. If you want an alert, chances are, Mint offers it. From push notifications that alert you to upcoming minimum payment due dates to email notifications when a large or unusual purchase is made on one of your accounts, Mint’s got your back. Mint also offers weekly emails summarizing what’s happened with your finances in the past seven days, along with tips on where you can save and cut back.
Credit score management. Mint’s compatibility with credit bureaus is impressive and allows users to check their credit score and credit line usage through the platform. Mint also offers error-reporting solutions and can actually help consumers raise their credit score over time.
Easy-to-use interface. Mint’s online and mobile platform are both easy to operate and don’t require a lot of technical skill to use. Because most of Mint’s investing is automated and reports are produced without the direction of the user, the Mint platform can quickly be mastered by even the newest investors. This is especially true of the Mint app, which allows users to quickly swipe and tap into different information categories.
Some of the areas where Mint falls short:
Targeted advertisements. Mint’s services are free to use, but the company makes up for this with targeted advertisements from its partners. In many cases, these recommendations can save users money, but Mint only shows you ads and offers from partners, so you’re not getting a full picture of the offers available to you. Many users consider this form of advertising to be predatory and invasive, though it’s important to note that Mint will never change services or move accounts without your expressed permission.
Glitchy interface. For a platform that dominates the personal investing sphere, Mint sure could use some tech support TLC. Users frequently report frustration with Mint unlinking their bank accounts and credit cards unnecessarily, which forces them to add them again.
Though this issue has only been reported from users on the online platform, it’s a frequent enough issue that it tops the list of grievances against Mint. Synchronization issues range from annoying to “unusable,” and users report that the platform frequently “forgets” to log transactions, which offers an incomplete financial picture. Other commonly reported issues include sudden crashes and shutdowns of the app, incorrect transaction categorizations and issues loading credit scores.
No bill pay. Mint has chosen to discontinue its bill pay services, which previously allowed users to schedule planned payments through the app. This moves Mint further away from the one-stop-shop it aims to be.
Why Mint Might Not be Right for You
Mint’s got a few reasons why it might not work for your needs:
You really can’t stand ads. Financial tools need to make money. Some of these (like Mint) forgo charging a monthly or initial fee and instead serve ads. If you’re the type of person who would rather pay a fee than look at a constant stream of advertisements, Mint’s interface will likely frustrate you.
You prefer to take a more hands-on approach to investing and saving. Mint is an automated budgeting and investing tool and is intended for users who have trouble motivating themselves to save. If you’re looking for a more hands-on approach to saving and you’re proactive with your investments, Mint is probably not the right tool for you.
You prefer desktop compatibility. Though Mint offers both an online platform and a mobile app, the bulk of the product’s features are formatted to be used through the app. If you’re looking for more intensive data-driven solutions and tools, chances are that you’ll be more interested in a platform that favors desktop compatibility.
Best Alternatives to Mint
1. Personal Capital
Personal Capital isn’t just a Mint alternative—it could also work as a great complement to Intuit’s offering, filling in the gaps where Mint fails.
Like Mint, Personal Capital allows users to import their financial data, and the platform will automatically scan accounts and advise on retirement savings, consolidate accounts, and uncover hidden fees. Ad-haters will love Personal Capital’s free model—the platform makes its money through wealth management services, which users do not have to use at all to gain access to the platform’s full functionality.
Personal Capital offers both desktop and mobile compatibility, and the mobile app offers about the same amount of functionality. A more powerful personal finance and budget tool, Personal Capital is for the motivated investor who wants to manage his or her own money but who also wants data to be displayed using a simple, straightforward method.
2. You Need A Budget (YNAB)
Who’s it for? Users who want full control over each dollar and a reliable platform
Price: Free for first 34 days, then $6.99 per month
Available on: Desktop and mobile
Learn more about YNAB
YNAB is like Mint’s older and more sophisticated cousin. Like Mint, YNAB automatically imports transactions directly from linked banking information—the functionality of YNAB’s synchronization is more reliable than Mint’s sometimes buggy interface, but users will need to manually categorize expenses.
YNAB’s allocation system caps spending in non-essential categories based on cash flow. YNAB is one of the pricier Mint alternatives on the market; a year’s subscription costs $83.99 and users have the option of monthly billing at around $7 per month.
However, YNAB’s hands-on interface brings the customization that Mint lacks—and Type A personalities will love the fact that the app only intervenes to curb spending.
Who’s it for? Dave Ramsey fans who want another tool to follow his expertise
Price: Free model, EveryDollar Plus is $99 annually
Available on: Desktop and mobile
Financial guru Dave Ramsey constantly preaches that consumers should “assign a job to every dollar that comes into [their] account.”
Now, the EveryDollar app is here to make the zero-sum budgeting game a little easier. EveryDollar’s free and premium versions are both completely free of advertisements.
The app makes money by offering an extended range of tools with its paid model. EveryDollar’s interface is incredibly simple and easy to use. It cuts the frills and tools of other platforms, but those who are looking to focus only on building a budget may appreciate this straightforward setup.
EveryDollar’s paid version costs $99 a year and offers automatic transaction synchronization. However, if you’re motivated to manually add your own expenses, the free version can work just as well.
4. Tiller Money
Who’s it for? Users who want to manually track expenses on a familiar platform
Price: Free for the first 30 days, then $59 annually
Available on: Desktop and mobile via Google Sheets
Learn more about Tiller Money
Tiller Money is more of a plug-in for Google Sheets than an individual financial tracking software itself, but the tool provides powerful compatibility for spreadsheet nerds looking to customize their budgets.
Tiller links with Google Sheets and allows you to take advantage of custom templates to organize spreadsheets of account information and expenses. Tiller also automatically updates financial information and sends quick daily summaries of account activity. Tiller Money is not a comprehensive investing tool—it’s intended only to track expenses, streamline your budgeting process and make mobile spreadsheets easier to use and understand.
It’s best used by contractors and business owners who need to keep track of a large number of clients and expenses. Those with less complicated financial situations will likely do better with a budgeting app that offers more in-depth investment services and tools.
Who’s it for? Mac, iPhone, and Apple watch users who want their budgeting software integrated with their tech
Price: Free for the first 30 days, then $64.99 annually
Available on: Desktop, mobile, and smartwatch (Apple devices only)
Banktivity is a personal finance software program that allows users to create a budget and track their spending, pay bills online, schedule payments and track their spending patterns. Banktivity is one of the few personal finance options that offers an Apple Watch app.
The software can even be synced with real estate site Zillow to integrate changing property value estimations. Unfortunately, Banktivity is currently only available for Mac and iPhone users.
You can try Banktivity for free for 30 days—after that, you can purchase the desktop application for a one-time fee of $64.99. If you’re searching for a strong program native to Apple’s format, Banktivity provides both power and compatibility.
6. Status Money
Who’s it for? Competitive users who want to see how their financial health compares to others Price: Free
Available on: Desktop
Constantly finding yourself trying to keep up with the Joneses?
Use your drive for social success to your advantage with Status, a budgeting website with a competitive edge. Status allows you to consolidate all of your investments and accounts on one single platform and anonymously compares your financial situation to peers in your age group and location—you can even compare yourself to users around the United States.
Status also makes suggestions to reduce high fees and can alert you to upcoming due dates and payments. Best of all, Status is totally free to use.
Who’s it for? Users who want an app that their entire households can use
Price: Free, but premium version is available for $45 annually
Available on: Desktop and mobile
Learn more about GoodBudget
Prior to the spread of the internet, couples might have budgeted using the “envelope system.”
The envelope system involves splitting money into a series of envelopes marked with a purpose: rent, groceries, entertainment, investing, etc. The money in the envelope is only to be used for a single purpose—and once it’s gone, it’s gone.
GoodBudget digitalizes the envelope system and allows users to break down expenses by category. You can assign a dollar amount to each type of expense.
One of the features that makes GoodBudget unique is the fact that accounts can be simultaneously accessed from multiple devices, which makes it a more viable option for household budgeting and couples managing shared income. GoodBudget offers a free version as well as a more comprehensive paid version at $45 per year.
No matter if you’re using Mint or one of the many Mint alternatives on the market, you have the power to take control over your income. Mint may be the gold standard for easy budgeting but there are plenty of alternatives that offer you more control over your spending.
Learn more about basic budgeting and the importance of setting a budget, and that’ll help you move more quickly towards your retirement and investing goals.
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