YNAB vs Mint (2026)
Mint closed in 2024. YNAB is not a like-for-like replacement: it is a paid, hands-on planning app where Mint was a free, automatic tracker. If you want to take control of spending, YNAB does far more; if you want passive tracking, look at Monarch or Simplifi.
By Wealthy Pot Editorial · Facts checked October 18, 2026
| Feature | YNAB | Mint |
|---|---|---|
| Price | $14.99/mo · $109/yr (34-day trial; free 365-day trial for college students) | Discontinued, shut down by Intuit in 2024 |
| Cheapest paid plan, 1 year | $109 | Discontinued |
| Cheapest paid plan, 3 years | $327 | Discontinued |
| Platforms | iOS, Android, Web | - |
| Method | Zero-based envelope | Aggregation |
| Bank sync | Yes (Plaid, MX) | No |
| App Store | 4.8★ (60k) | - |
| Google Play | 4.5★ (25k) | - |
| Best for | People who want hands-on, give-every-dollar-a-job budgeting and will stick with it | Was the most popular free budgeting app before it closed |
Cost rows are our arithmetic from each app's listed prices (annual plan where one exists), before tax, assuming today's prices hold.
Key differences
Mint linked your accounts and showed spending, budgets and bills automatically, for free. Intuit closed it in 2024; mint.intuit.com now says "Mint has been reimagined on Credit Karma."
YNAB works differently: you assign every dollar to a category before spending and adjust when you overspend. It costs $109 a year or $14.99 a month after a 34-day trial with no card, and one subscription covers up to six people.
Where YNAB wins
- The most complete zero-based method, with education built around it
- One subscription for up to six people
- No ads in the app, and YNAB says it does not sell your financial data
- Long, card-free trial (34 days) and a free year for college students
Where Mint wins
- Free, automatic spending overview that defined the category
Which should you choose?
Pick YNAB if
- You want to plan every dollar before you spend it and are willing to check in a few times a week.
- You live paycheck to paycheck and want to stop running short before the next one.
- You share money with a partner or family: one subscription covers up to six people.
YNAB vs Mint: FAQ
Is YNAB a good Mint replacement?
Only if you want a more hands-on budget. YNAB asks you to plan every dollar; Mint tracked spending automatically.
What replaced Mint?
Intuit moved Mint's tracking features into Credit Karma. Popular paid alternatives include Monarch Money, Quicken Simplifi and YNAB.
Compare these against every option in our budgeting apps comparison, and set your category targets with the free budget calculator.
Ratings are summarized from public App Store / Google Play listings (as of June 2026); we don't reprint user reviews. Prices and features come from our full reviews, each checked against the company's own pages on October 18, 2026 and listing every source; we re-check about once a month. Mint's current status is from mint.intuit.com (checked October 18, 2026). We do not earn commissions from these apps.