10 Greatest Mint.com Options for 2022: Our Prime Picks

Budgeting is not enjoyable or glamorous, nevertheless it’s crucial if you wish to attain your monetary objectives. Fortunately, budgeting apps could make the method lots simpler.

Intuit Mint—or just Mint—is likely one of the longest operating and most established of those apps. The flexibility to securely hyperlink to completely different financial institution accounts and robotically log and categorize bills continues to be a serious promoting level for a lot of customers.

However over the previous few years, budgeting apps have rocketed into the long run. Now, you’re extra possible that ever to have the ability to discover an app that fits your spending habits and life-style. In the meantime, Mint has gotten rather less shiny over time, with customers complaining about performance, safety and comfort.

Under, we break down a number of the most typical complaints that we hear about Mint. Then, we listing 10 of one of the best Mint alternate options that would prevent time and trouble in case you’re keen to make the swap.

Widespread Mint Complaints & Causes To Swap

Mint continues to be a extremely popular free budgeting app. However some customers have have discovered the platform to be a disappointment in a number of methods. Here is a fast listing of the most typical complaints that customers make about Mint:

• Issues With Synchronization — Mint has hassle connecting to sure banks, credit score unions and different monetary establishments (AmEx-linking specifically appears to be a recurring downside).
• Poor Buyer Service — It isn’t unusual for inquiries to go unanswered for weeks or to have issues by no means resolved.
• Lack of Report Era — The one solution to generate a report is by exporting a CSV file to a spreadsheet like Microsoft Excel. You possibly can solely do that by means of their web site, not the app.
• No Reconciliation — You can’t reconcile in opposition to your month-to-month financial institution statements. Mint assumes the information downloaded is all the time right. For monetary data that’s not linked to your financial institution, you possibly can solely add them to your account manually by means of the Mint.com web site.
• No Import Choice From Quicken — You can’t import your information from Quicken into Mint.
• Laborious to entry exterior the US and Canada — Mint customers positioned all over the world have complained concerning the spotty potential to log into the web site. With many apps seamlessly obtainable all over the world for vacationers, this appears noticeably shortsighted.
• Errors in Labeling Purchases — Mint makes an attempt to label your purchases as they arrive in, however it may possibly get it incorrect. Customers must examine their purchases to verify issues are sorted into the precise price range classes and to be sure that much less frequent purchases are labeled appropriately.

Whereas many options on Mint have improved (for instance, customers can now choose to spend $0.99 a month for an ad-free expertise—a low-barrier resolution to a beforehand frequent grievance), that doesn’t imply you possibly can’t take a look round to see what’s on the market.

10 Widespread Mint Options

No matter your cause for feeling like Mint is not the precise match to your budgeting wants, this information may also help you discover a appropriate substitute. Listed here are 10 of one of the best Mint alternate options obtainable in the present day.

1. Simplifi Juggles Laborious Targets and Good-To-Haves

Simplifi gives a streamline dashboard that permits you to see all of your investments, loans, financial institution accounts and bank cards in a single place and robotically categorizes every expense into objectives that you just’ve set.

Most of us don’t have only one financial savings goal: Usually, we’re paying down pupil loans, increase our emergency funds, tucking cash away for a kitchen reno and an upcoming trip. Simplifi allows you to set onerous budgets (for debt repayments and massive life bills) and watch lists (to keep watch over upcoming holidays and quick meals budgets), and analyzes your spending and money stream to indicate you the place you possibly can liberate cash and the place you possibly can spend a bit extra.

After a 30-day trial, Simplifi prices $47.99 a yr. That is dearer than Mint, however Simplifi is healthier for managing your entire funds, together with investments, below one roof.

Learn Extra: Try our full assessment of Simplifi

2. Private Capital is a Hybrid Platform

Private Capital is primarily an funding administration platform, nevertheless it additionally has budgeting instruments which are just like Mint like:

• Account Dashboard is the first hyperlink of the budgeting suite. It lets you sync exterior monetary accounts in an effort to achieve insights into money stream, spending by class, financial savings charge, debt, internet price, and different metrics.
• The retirement planner instrument lets you estimate how a lot you will have to retire below varied situations and develop a plan to achieve it.
• Funding Planner lets you examine your portfolio allocations to what it considers ideally suited allocations based mostly in your age and danger preferences. It additionally gives data on the 529 accounts you’ll have opened to your youngsters’s faculty.

Private Capital‘s budgeting and monetary administration instruments are free and mobile-friendly that are two of the largest causes that it made our listing of one of the best Mint alternate options.

3. YNAB (You Want a Funds) Units Guidelines to Stay By

YNAB has lengthy been one of many strongest Mint alternate options in case your purpose is to turn out to be debt payment. It helps spenders break the behavior of residing paycheck to paycheck by encouraging them to stay solely off the cash earned the earlier month and setting intentions for every greenback that is available in.

YNAB makes recording bills and goal-setting a breeze with the power to categorize bills and hyperlink financial institution accounts to robotically log your transactions. On prime of instructing you to stay to spending solely final month’s earnings, YNAB has three different guidelines:

• Give each greenback a job. You allocate each greenback based mostly on spending priorities that you’ve got beforehand established. To realize probably the most from this characteristic, you will have to spend a little bit of time upfront establishing these priorities.
• Embrace your precise bills. When you have annual bills, you will break them up over 12 months so that you just put aside just a little every month.
• Roll with the punches. Tackle overspending when it occurs by readjusting over different classes. Then transfer on.

YNAB is fee-based, priced at $14.99 a month or $98.99 a yr however affords a 34-day free trial. It has a number of iterations, together with Internet, Android, and Apple. You possibly can learn our Mint vs YNAB publish for an entire comparability of those two budgeting apps.

Additional Studying: A full overview of YNAB

4. Tiller is For Spreadsheet Followers

Tiller, also referred to as Tiller Cash, syncs with greater than 18,000 monetary establishments throughout america. It makes use of the knowledge from these accounts to robotically observe and categorize bills into their custom-created spreadsheets. In the event you’re a spreadsheet nerd, Tiller is likely one of the finest Mint alternate options in the marketplace in the present day.

Tiller works with a “Basis Template” that lets you create budgets, or you possibly can create a custom-made spreadsheet. It additionally contains instruments for freelancers and small enterprise house owners, saving them the insanity of receipt-digging round tax season.

On prime of logging day by day bills, Tiller additionally sends emailed price range summaries and organizes your month-to-month bills into easy-to-read graphs so you possibly can spot the place you’ve overspent. After a 30-day free trial, Tiller costs $79 yearly.

5. Goodbudget Takes the Envelope Methodology Into the Future

Goodbudget makes use of an envelope system the place a part of your month-to-month earnings goes towards particular bills. You manually add account balances, money owed, and earnings, then assign the cash towards envelopes. This helps you keep away from overspending and is likely one of the older budgeting techniques on the market.

Goodbudget additionally lets you sync budgets with different relations. It affords a free model that offers you 20 envelopes and two units. The Plus model prices $8 a month.

In the event you’re largely focused on avoiding overspending, this is likely one of the finest alternate options to Mint you need to use.

6. PocketSmith Helps You Forecast For The Future

PocketSmith is just like Mint in that you would be able to combination your entire banking and investing accounts with one app. From there, you possibly can create {custom} budgets and spending classes to remain on prime of your funds. It additionally summarizes your transactions similar to Mint.

However we like PocketSmith as an alternative choice to Mint due to its forecasting options. It has a cash-flow forecasting instrument that highlights how your present spending habits affect your internet price and future wealth. Its budgeting calendar additionally gives a pleasant visible format of your upcoming bills and earnings, so it is a wonderful app for highly-visual budgeters, not spreadsheet followers.

The draw back versus Mint is that it’s essential pay for PocketSmith to get most of its options. For many customers, the middle-tier Premium plan, which prices $9.95 per 30 days or $90 per yr, is sufficient to get the job completed.

You possibly can learn our PocketSmith assessment for more information, and Investor Junkie readers get 50% off their first two months of a Premium plan.

7. PocketGuard Offers a Simplified Snapshot

PocketGuard gives a simplified view of your financial institution accounts, bank cards, loans, investments, and payments. It additionally reveals you the way a lot you could have left for discretionary spending. Not solely does it mean you can get a full overview of your funds, together with your internet price, it additionally analyzes your payments to indicate you the place you possibly can negotiate for higher charges.

It is available in a free model and paid model at $7.99 a month. That is dearer than Mint, however the invoice negotiation characteristic is one in all its distinctive promoting factors.

8. Wally is a Mint Different With a International Community

Wally is a super-secure price range tracker with a worldwide presence. It robotically syncs along with your exterior accounts and bank cards, with a community of over 15,000 banks in 70 nations. Its distinctive characteristic is that the app robotically analyzes your final two years of spending.

You may as well add all of your payments and warranties to maintain them in a single centralized location, and Wally will shoot an alert on when payments are due. The remainder is what you’ll count on of a top-tier budgeting app: Sync along with your family, set spending limits to your chosen classes, observe progress in real-time, and put aside cash in the direction of your financial savings objectives.

It has a free model and an upgraded model (Wally Gold) for $74.99, which throws in foreign money conversion and superior insights. When you have financial institution accounts in a number of nations, it is a wonderful app like Mint to think about.

9. Honeydue Splits Funds, Saves Relationships

Anybody who lives with a accomplice is aware of that non-public finance isn’t a solo enterprise. That’s the place Honeydue is available in. Perfect for mixed funds, Honeydue hyperlinks to all accounts, robotically splits payments, sends overdue reminders to whoever’s paying which invoice, and even has an in-app chat characteristic for when it’s essential discuss cash.

Customers may open a joint Honeydue checking account that immediately notifies the accomplice of their monetary transactions. The app is obtainable for each iOS and Android.

A draw back of the app is that it gives no reporting or analytics and lacks a instrument for monitoring progress towards objectives—however a serious plus is that it’s free to make use of. If something, you need to use apps like Mint for budgeting after which use Honeydue to separate payments and for sending invoice reminders.

10. Digit Saves Your Cash For You

Digit is a “good” app that does nearly every little thing robotically when you set it up. It first made a splash when it launched for its potential to tuck tiny, inconspicuous quantities into your financial savings objectives for you, however since then it’s grown right into a saving powerhouse.

Everytime you make a deposit, it strikes cash right into a separate account for payments to cowl month-to-month requirements so you possibly can keep forward of your payments. Need to make investments however don’t know the way a lot cash you possibly can spare? Digit analyzes your spending, calculates how a lot you possibly can afford to place into the market, helps you select the precise ETF combine for you based mostly in your objectives and tucks cash away for you.

Digit is free for 30 days after which $5 a month after that. Finally, it is probably the greatest alternate options to Mint if you would like a microsavings app that additionally allows you to make investments.

Try: Our full Digit assessment

How Do You Select The Proper Mint Different?

The fitting Mint various for you relies upon upon a number of components, together with the gadget you’d wish to apply it to, your character, your objectives, the payment construction, and what precisely you need the app to perform. Listed here are just a few questions to think about when deciding which app is one of the best for you.

Do you need to manually log your bills or have them robotically up to date and categorized for you?

Finally, the budgeting app that may work finest for you is dependent upon your model. If it’s essential be absolutely in management and actively monitoring to remain accountable to your objectives, we propose a clear, visible app like PocketSmith. In order for you a hands-free method, Digit places your financial savings on autopilot and does your budgeting for you.

Do you like mobile-only, desktop-only, or would you like the pliability of each?

By no means close to a desktop? At all times close to a desktop? A few of these apps (like Wally) are mobile-only, whereas others (YNAB) allow you to do all of your budgeting on a desktop app (and a cellular app). In the event you don’t thoughts doing a little duties on a pc whereas monitoring in your telephone, or want the pliability of having the ability to toggle between each, could we propose—gulp—Mint?

Would you like a birds-eye view of your whole monetary image?

Need to keep watch over your investments, loans and bank cards in addition to your checking and financial savings? Right here’s the place you may go for Pocketguard or Private Capital.

Will you be syncing your price range data with a accomplice?
For household budgeting or combining funds with a accomplice, Tiller, Honeydue and Wally lets a number of units and account varieties on without delay.

Are you trying to rewire your financial savings method?
In the event you’re trying to kind good spending habits whereas doubling down in your financial savings or debt compensation objectives, contemplate selecting up a method-based goal-setting app like You Want A Funds or Goodbudget.

The Backside Line

Maintaining and sustaining a price range is crucial in the case of reaching our monetary objectives, whether or not they’re to scale back debt or save for holidays, retirement, or your children’ schooling.

Whereas Mint does a good job of price range monitoring and syncing, there’s a world of budgeting apps on the market with tailor-made approaches to your financial savings model whereas providing safety, reliability and performance. In the event you’re caught with Mint simply because it was one of many OGs, the advantages you’ll see in your financial savings plan may far outweigh the small trouble of tinkering with some new apps.

So which of those Mint alternate options will you select to kickstart your monetary future?