Mint's shutdown is fast approaching — here are 7 budgeting apps to consider before losing access this weekend
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- The popular budgeting app Mint is going away on March 23.
- Intuit says app users can transition to Credit Karma, but it won't have the same budgeting features.
- If you used Mint to make budgets, here are seven alternative options.
Mint's shutdown is quickly approaching. The popular budgeting app is going away on this weekend, on March 23.
Intuit is asking Mint users to move to Credit Karma, one of the company's other personal-finance platforms. On Credit Karma, you will still be able to view your bank accounts, transaction history, spending, cash flow, and net worth. Credit Karma currently doesn't let you make monthly budgets or category budgets, though.
If you've been using the Mint app for its budgeting features, you'll have to consider other options.
Here are seven of the best budgeting apps to explore if you prioritize an app that lets you make a monthly or categorized budget.
1. Honeydue
Honeydue is a personal-finance app for couples. It lets you create a monthly budget by linking credit cards, loans, investments, and bank accounts. Couples choose what they share and can create a joint budget.
Honeydue is free to use. The mobile app is rated 4.5 out of 5 stars in the Apple store and 3.5 out of 5 stars in the Google Play store.
2. Monarch Money
Monarch Money lets you create a customizable budget, meaning you can create your own categories to track your spending for certain areas.
The mobile app has a monthly or annual plan. The monthly plan costs $14.99 a month. The annual plan is $99.99 a year, which breaks down to about $8.33 a month.
Monarch Money has 4.8 out of 5 stars in the Apple store and 4.7 stars out of 5 in the Google Play store.
3. PocketGuard
PocketGuard allows you to make a monthly budget through the free or premium plan (called PocketGuard Plus). PocketGuard Plus lets you make customizable budget categories and unlimited budgets — for example, a personal budget, a business budget, and a couples' budget.
The free plan is $0, while PocketGuard Plus has monthly, annual, and lifetime plans. The monthly plan is $7.99 a month, and the annual plan is $34.99 a year (which ends up being just under $3 a month). The lifetime plan is $79.99.
The app is rated 4.6 out of 5 stars in the Apple store and 3.8 out of 5 stars in the Google Play store.
4. Quicken Simplifi
Quicken Simplifi has budgets with customizable categories. The platform also analyzes your spending and savings through charts and can generate monthly reports for your spending, general income, income after expenses, savings, and net worth.
There's also a special offer available: it's 50% off Simplifi and all Quicken products for new customers (offer ends March 31, 2024).
Quicken Simplifi has received 4.0 out of 5 stars in the Apple store and 4.0 out of 5 stars in the Google Play store.
5. Rocket Money
Rocket Money has free and premium plans that allow you to make a monthly budget. The free plan lets you create a monthly budget using select categories. If you get the premium plan, you can make unlimited budgets. The premium plan also allows you to make customized budgeting categories.
The free plan costs $0. Meanwhile, the premium plan has a 7-day free trial. After that, you'll pay what you think is fair through a sliding scale that has price points from about $4 a month to $12 a month. If you select the $4 and $5 monthly plans, you'll be billed annually instead of monthly.
Rocket Money is rated 4.3 out of 5 stars in the Apple store and 4.2 out of 5 stars in the Google Play store.
6. YNAB
YNAB helps you create a category budget through its four-rule method.
With the first rule, you'll implement a zero-sum budget, which means you'll assign every dollar you earn a purpose. The second rule requires you to factor in non-monthly expenses, such as holiday shopping or car maintenance. The third rule reminds you to be flexible with your monthly budget and make adjustments if you see that you're overspending in a certain category. The fourth rule encourages you to age your money. Essentially, the last rule points out that once you've focused on mastering the first three rules, you'll know where your money is going and spend less than you earn.
Ultimately, the four rules make sure you think about where all your money is going and how to adjust for your future savings.
YNAB can be used on the computer or through the mobile app. It costs $14.99 a month or $99 annually, which comes to about $8.25 monthly.
The app is rated 4.8 out of 5 stars in the Apple store and 4.6 out of 5 stars in the Google Play store.
7. Zeta
Zeta is another personal-finance app for couples and families. Zeta has joint bank accounts and uses the envelope budgeting method, which means you put a set amount of money into specific categories. Each month, you'll spend what you have for that category.
Zeta has a free plan and a premium plan called Zeta+. Zeta+ can be used by families or people who want to automate their banking. The free plan costs $0. Zeta+ costs $6.99 a month.
The mobile app is rated 4.5 out of 5 stars in the Apple store and 3.8 out of 5 stars in the Google Play store.