A Mint Alternative With Bank Sync in 2026

Mint shut down on March 23, 2024. Intuit moved its users to Credit Karma, which kept the account view and dropped much of what made Mint useful for budgeting, including monthly budgets and custom categories. A lot of people exported their history, tried an app or two, and drifted back to checking their bank balance and hoping.

If you used Mint because it pulled in your bank transactions on its own, and you have not found anything since that you trust and can afford, this post is for you.

If you want a strict, every-dollar-has-a-job method and do not mind entering transactions yourself, a zero-based app like YNAB may suit you better than anything below. That is a different philosophy, not a worse one.

What former Mint users actually want

Mint did three things people miss. It connected to your bank and card accounts and pulled transactions in. It categorized them without much input. And it was free, paid for by ads and product offers.

That last part is gone everywhere. Bank data costs money to fetch, and every serious replacement charges a subscription. So the honest question is which paid app fits the way you live.

Monarch

Monarch is the closest thing to a grown-up Mint. It connects through three data providers, Plaid, MX and Finicity, which gives it broad coverage of US banks, card issuers and brokerages, and a second route when one provider has trouble with a bank. It tracks investments and net worth alongside budgets, and it is built for couples to share. It runs on the web, iOS and Android. Its core plan was $99.99 a year or $14.99 a month when we checked in October 2026.

If you have a 401(k), a brokerage account and a mortgage, and you want all of it on one screen, Monarch covers more of that than Auritrack does.

Copilot

Copilot is the polished option for Apple users. It also connects to a wide range of US institutions, tracks investments, and is known for a careful, fast interface. It costs $95 a year or $13 a month at the time of writing. The catch is platform: it is built for iPhone and Mac, with a newer web version and no native Android app.

If you live on Apple devices and care about investments as much as spending, Copilot is a strong choice.

Where Auritrack fits

Auritrack is not trying to be a wealth dashboard. It is an AI bookkeeper for your day-to-day money, and it is honest to say what that means for a former Mint user.

Start with price. Bank sync is on Auritrack's Premium plan, which costs $20 a month or $200 a year. That is more than Monarch or Copilot for bank connections. In the US and Canada it connects through Plaid. It also connects to banks in Nigeria and selected banks in Ghana, Kenya and South Africa, which the US-focused apps do not (see supported countries). Each connected account syncs weekly by default, and more frequent syncs cost Auricoins. Connections are read-only: you log in on Plaid's screen, and Auritrack never sees your bank password or moves money.

Investments are not its strength either. Loan and investment accounts show up for reference, but Auritrack does not track holdings or portfolio performance. If that matters to you, Monarch or Copilot will serve you better.

What it does well is the bookkeeping. The AI labels and categorizes each transaction. It pairs transfers between your own connected accounts and keeps them out of your spending. It finds subscriptions in your history for you to confirm, and reminds you two days before a confirmed one charges again. You can log cash or a split bill by typing a sentence, in the app or on Telegram. And for any account it cannot connect to, including a bank abroad, you upload a PDF, CSV or Excel statement and the AI reads it.

It also handles more than one currency properly. Each transaction keeps the currency it happened in, totals are shown per currency, and nothing is silently converted. For US users with family abroad, or anyone paid in one currency and spending in another, that is a real difference.

Like Monarch, it runs on the web, iOS and Android.

Who should pick what

Pick Monarch if you want the broadest US institution coverage, investments and net worth in one place, and a plan you can share with a partner.

Pick Copilot if you are all-in on Apple and want investments tracked next to a polished spending view.

Pick Auritrack if you mainly want your spending sorted for you, you would rather ask a question in plain English than build reports, you hold accounts in more than one country or currency, or your bank is in Nigeria, Ghana, Kenya or South Africa.

None of them is free, and none of them is Mint. That is fine. Mint's business model is a big part of why it is gone.

Your first step

Before choosing, find out what you actually spend on subscriptions, since you are about to add one. The free subscription tracker needs no account.

If Auritrack sounds like the fit, create an account on the web, or get the app on Google Play or the App Store. Upload one statement to see how the AI handles your spending, then connect your bank on Premium if you want it to keep going on its own. Our Mint alternatives page has the wider list.