Mint is gone, and picking a replacement has less to do with feature counts than with matching a method to how you actually handle money. YNAB runs on envelopes, Rocket Money on automatic categorization, Monarch on household sharing, Empower on investments, Tiller on spreadsheets, and Dzing on transparent cash-flow math. The best mint app alternative for you is the one built around the problem that keeps costing you money every month.
How we compared these tools
Pricing and features come from each provider’s current public offerings. Five tools made the cut: Empower (formerly Personal Capital), YNAB, Rocket Money, Monarch Money, and Tiller Money. Copilot Money was left out because its pricing and feature data are not publicly verifiable.
Each tool is judged on four things: the budgeting method underneath it, what it costs, the one feature people stay for, and the limitation that makes people leave. Dzing gets the same treatment, including a full section on what it refuses to do.
Comparison table
| Product | Pricing | Core Approach | Standout Feature | Best Use Case | Main Limitation |
|---|---|---|---|---|---|
| Empower | Free basic; 0.89% AUM for $100k+ accounts | Investment & retirement planning | Portfolio tracking and financial planning | Users with significant investments | Not designed for budgeting or transaction tracking |
| YNAB | $14.99/mo or $98.99/yr; 34-day free trial | Zero-based budgeting | Explicit dollar assignment for accountability | Detail-oriented budgeters | Manual entry or complex bank sync setup |
| Rocket Money | Free or $4-12/mo premium | Automatic expense tracking | Subscription detection and one-tap cancellation | Subscription-heavy users | Limited budgeting structure |
| Monarch Money | $8.33/mo after 7-day trial | Collaborative household budgeting | Multi-user access and data import from Mint/Quicken | Couples and families | No free tier beyond trial |
| Tiller Money | $79/mo after 30-day trial | Spreadsheet-based customization | Complete control over templates and analysis | Advanced users comfortable with spreadsheets | High cost and steep learning curve |
| Dzing | Pricing not disclosed | Safe-to-spend calculation | Transparent formula showing impact of planned operations | Users seeking intentional spending backed by math | No bank sync, no investment tracking, no bill pay |
Empower for investment and retirement planning
Empower, formerly Personal Capital, is a wealth management tool that happens to include budgeting. The free side covers portfolio tracking, a retirement calculator, an investment checkup, and a fee analyzer. Paid wealth management starts at 0.89% of assets under management for accounts of $100,000 or more.
If you hold a brokerage account, Empower pulls that portfolio data into one net-worth view alongside your cash. The budgeting screens work, but they sit behind investment oversight and never get the same attention from the product.
Choose Empower if: you have substantial investable assets and want portfolio monitoring next to basic spending tracking. The free planning tools alone are worth the account.
Skip it if: you came for detailed expense budgeting or subscription control. Empower’s budgeting features are minimal and will frustrate anyone used to a category-driven app.
YNAB for zero-based budgeting
YNAB runs on zero-based budgeting: every dollar gets a job before you spend it. Money you have not assigned stays visible as unassigned, and that visible gap is the whole mechanism, since it forces a decision instead of letting the balance drift.
You build categories such as groceries, rent, and entertainment, assign income to each one, then track real spending against those numbers. Budgets belong to a specific month, so rolling unused money forward is a deliberate move you can see afterward. Pricing is $14.99 a month or $98.99 a year with a 34-day free trial, and bank sync works once you get through the setup.
Choose YNAB if: you want to steer every dollar and will sit with the budget weekly. The method rewards engagement.
Skip it if: you want to configure it once and let categorization run itself. YNAB assumes you show up.
Rocket Money for subscription tracking and bill management
Rocket Money’s real strength is catching recurring charges. Connect a bank account and it categorizes transactions automatically, flags subscriptions you forgot about, and cancels many of them in one tap. Spending limits, savings goals, and a bill watch list fill out the rest, with a free tier available and premium plans running $4 to $12 a month depending on the analytics and support you want.
The flow is straightforward: you approve bank access, Rocket Money pulls transaction history, sorts purchases into categories, and surfaces the services quietly draining money each month. All of it happens after the charge clears, which is both the appeal and the ceiling.
Choose Rocket Money if: subscriptions are the leak in your budget and you want alerts plus one-tap cancellation. It does the one job most apps only report on.
Skip it if: you need category limits and forward planning. Tracking spending after the fact does nothing to stop the overspending itself.
Monarch Money for collaborative household budgeting
Monarch Money is built for two people managing one pot of money. Partners each get access to update and view the same budget, income and spending categories are customizable, bills live in one place, and data imports from Mint, Quicken, and other platforms.
Coming from Mint, setup runs faster because your category structure and transaction history carry across intact. Pricing is $8.33 a month after a 7-day trial, with no free tier waiting on the other side of it.
Choose Monarch if: more than one person touches the budget and you both need the same view. Shared visibility ends most arguments about where the money went.
Skip it if: you want a free option. The trial lasts a week, then billing starts.
Tiller Money for spreadsheet-driven customization
Tiller Money syncs your transactions straight into Google Sheets or Excel and stops there. You build the dashboard, the formulas, and the reporting yourself, which is either the reason to buy it or the reason to walk away.
It costs $79 a month after a 30-day trial, the highest price on this list by a wide margin. Sync runs continuously, so the sheet updates as transactions clear and nobody exports a CSV again. The people who pay for it tend to be accountants, finance professionals, and anyone already modeling their money in a spreadsheet.
Choose Tiller if: you already live in spreadsheets. Total control over data structure and analysis is what the price buys.
Skip it if: you want something simple and cheap. Both the cost and the spreadsheet skills required are real barriers.
How Dzing compares: Safe-to-spend planning
Dzing answers a narrower question than anything above: how much can I spend today without breaking something later this month? Rather than sorting transactions, assigning envelopes, or tracking a portfolio, it computes a single safe-to-spend number from everything you have planned, and that number shifts as soon as your plans do.
You enter planned operations by hand: recurring salary, subscriptions, bills, and one-off expenses, across multiple accounts and multiple currencies. Budgets and savings goals feed the same formula, so money committed to a goal never counts as spendable. Change one planned expense and the safe-to-spend figure moves with it in real time.
The core difference: Dzing shows the math. Other tools give you a summary saying you have $X left this month, while Dzing shows which planned operations produced that figure and how much each one moved it.
What you control: every entry is manual, by design. Nothing lands in your history that you did not put there, which costs a few minutes a week and buys a ledger you fully understand. Multiple accounts across multiple currencies are supported, so international finances stay in one view.
Best for: people who want spending decisions backed by auditable arithmetic instead of a confident-looking dashboard. If you have ever distrusted a budgeting app’s leftover number, this is the answer to that.
Where Dzing falls short
Dzing solves one problem well and openly ignores the rest. Know the gaps before you switch:
- No bank sync. Every entry is manual, which hands you control and demands the discipline to keep things current. If automatic categorization matters more, Rocket Money or Monarch Money will serve you better.
- No investment tracking. Portfolios and retirement planning sit outside what Dzing does, so pair it with Empower or use Empower on its own.
- No bill payment. Bills count toward the safe-to-spend number, but Dzing never moves money and you still pay through your bank.
- No subscription cancellation. Rocket Money finds and kills recurring charges; Dzing only tracks the ones you enter yourself.
Choosing your replacement
Match the tool to your loudest problem:
- Zero-based discipline: YNAB assigns every dollar a job and forces the planning to happen up front.
- Subscription management: Rocket Money detects recurring charges and cancels many of them in one tap.
- Household sharing: Monarch Money gives partners shared access and imports your Mint history.
- Investment-first: Empower puts portfolio tracking and basic budgeting on one screen.
- Spreadsheet control: Tiller Money syncs transactions into templates you design yourself.
- Transparent cash-flow math: Dzing calculates safe-to-spend from planned operations and shows the formula.
Right now the balance in your account is a guess. Rent clears on the first, two subscriptions renew mid-month, and the number on screen still includes all of it, so you either underspend out of caution or find out too late that you did not.
Picture opening the app instead and seeing one figure, then tapping it to read the arithmetic behind it. Salary in, four planned charges out, goal contribution held back, and what remains is genuinely yours to spend this week.
That is what Dzing computes: a safe-to-spend number drawn from your planned operations across every account and currency you use, with budgets and savings goals folded into the same formula and a breakdown you can check line by line. Spending history and analytics sit behind it once you have a few weeks of entries.
Dzing does not connect to your bank, track investments, or move a cent of real money. Every figure comes from what you entered, which is the reason the breakdown holds up.