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Banking

Mint Alternatives: The Best Alternatives to Mint.com

February 1, 2021 by Eric Rosenberg

Mint Alternatives help you track your finances in one place. Mint is one of the oldest and biggest online personal finance tracking apps. Founded in 2006, Mint made waves in the personal finance software world thanks to its powerful interface and ability to add transactions from thousands of financial institutions.

The company was acquired in 2009, and since then many users believe the site's functionality and support have gone downhill, sending them looking for Mint alternatives. If you want an alternative to Mint.com, here is a list of options. I have tried many of them myself so I could give you an in-depth, honest review.


About Mint.com

Mint.com Logo

Mint is the original and most popular online account tracking software. For no charge, you are able to link all of your bank, credit, loan, and investment accounts into one interface. The site helps you automatically track your budgets, financial goals, and all of your transactions through one login and an intuitive interface.

The site was acquired by personal finance powerhouse Intuit in 2009, and the site has undergone many changes. While some new features like credit score reporting have been added, long-time features have slipped and the switch from an outsourced account data system to the in-house system built for Quicken have caused data errors and headaches for some users who are now in search of Mint alternatives. Mint.com is free.


Mint Alternatives Summary

Mint AlternativesFeatures/Best For
Personal CapitalBest Overall
Lunch MoneyMoney and tech-savvy
Power WalletBill Reminders and insights
QuickenTraditional desktop tracker
You Need a BudgetTracking every dollar
Yodlee Money CenterTracking everything
LearnvestFinancial advising

Best Mint Alternative: Personal Capital

mint alternative personal capital

This site is my go-to resource for tracking my investments across all of my investment accounts. I track my individual stock holdings, Roth IRA, Rollover IRA, special investment accounts, and employer 401(k) account through Personal Capital, and it has been useful and has saved me a bunch of money.

I used the investment analysis tools at Personal Capital to bring my portfolio in-line with my goals and save over $300 per year on mutual fund fees. If you have $25,000 or more in cash and investments, you will also qualify for a free consulting session with a Personal Capital advisor. Personal Capital is free, but if you choose to hire your advisor to manage your investments for you, there is a fee based on your portfolio size.

Detailed Comparison: Mint Alternative: Personal Capital »

Try Personal Capital for Free

Lunch Money

Lunch Money is a newer app from a solo developer. She has done an awesome job building a tool for those who are doing well with their money and want more insights and control. It isn't quite as robust as Mint, but everything I tried worked flawlessly with Lunch Money, which I can't say about the larger competitor. The site has an active roadmap with new features added regularly.

Lunch Money is focused primarily on tracking your budget categories. It works well for both the United States and international users in foreign currencies. It also supports tracking cryptocurrency accounts and wallets, something most competitors have yet to touch. I've been using it myself for a little bit, and have been very impressed. The biggest downside is that it isn't free. It costs $10 per month or $100 per year, but there are no advertisements and your information is never sold. Some may call that a small cost for better privacy.

Lunch Money »


Power Wallet

Power Wallet logo

Power Wallet aggregates your finances in one view, and helps you track all of your financial account data in one central place. The site has a big focus on adding budgets by spending category and tracking your spending habits against your budget automatically.

Power Wallet also offers bill reminders to help you avoid missing bills and paying those pesky late charges. The insights from this site are geared toward helping you meet your own personal finance goals. Power Wallet is free.

PowerWallet »


Quicken

Quicken logo

Made by Intuit, the owner of Mint, Quicken is the long-time leader in desktop based financial tracking. Quicken offers most of what you get for free at Mint.com, but featured in desktop software that you download and install on your computer.

Because the program is desktop based, the web and mobile access lack compared to Mint, but the software allows you to own and control all of your data on your own PC. More expensive versions of the program also include tracking for small business, rental real estate, and investments. Quicken is paid software.

Quicken »


YNAB

YNAB You Need a Budget Logo

You Need a Budget, known by its loyal army of users as YNAB, is a desktop and mobile based budgeting software with a major difference from everything else on this list: it does not automatically link to your bank accounts.

YNAB founder Jesse Mecham believes that manually adding each transaction creates the best habits, and automatic tracking does not form any habits. When you make a purchase with cash or credit, you enter the purchase into your budget and get an update right away. This is proactive budgeting, not retroactive reacting.

YNAB is software that you purchase and download. Version 4.0 is currently available for $60, or you can sign up for the free trial.

YNAB »


Yodlee MoneyCenter

yodlee logo

Yodlee was the original data aggregation provider for Mint.com, and while that site switched over to the Intuit engine, Yodlee is still a top provider of account aggregation for some of the sites in this list.

Yodlee MoneyCenter is their in-house personal finance tracking tool, and it is powerful and useful in its own right. The tools provided in MoneyCenter are focused on tracking account balances and transactions, reaching finance goals, and tracking your spending by category.

Yodlee MoneyCenter also allows you to track your airline miles, your net worth, and understand your investment asset allocation. Yodlee MoneyCenter is free.

Yodlee MoneyCenter »


LearnVest

learnvest logo

LearnVest is the account tracking program created by actual personal finance advisors, so the tools are focused on how you interact with your money and the psychology behind personal finance management.

Rather than honing in on small budget categories, LearnVest breaks your money down into income, fixed expenses, goals, and flex spending money for you to do what you want. They have a major focus on getting debt free as well. The software is free, but a paid experience is available where you are assigned a personal financial advisor to give you extra help.

LearnVest »


Mint Alternatives Graveyard


Clarity Money

mint alternative clarity money

Clarity Money is a simple personal finance and budget tracker that was merged into Marcus by Goldman Sachs, a consumer bank, in March 2021 under the name Marcus Insights. This app doesn't offer the deep budgeting or investment tools of Mint and Personal Capital. Instead, it focuses on giving you your current account details in an easy-to-understand view with details on the most recent transactions.

In either case, if you want a simple snapshot of all of your money, Clarity Money delivers. But an account with Marcus by Goldman Sachs is required.

Clarity Money »


Adaptu

Adaptu logo

Adaptu was a site with a focus on connecting your personal finance tracking with community support. Adaptu was one of the first personal finance tracking tools to offer a mobile wallet app.

The site shut down in February, 2013.

Mint Alternative: Adaptu »

Adaptu Alternatives »


Thrive

thrive logo

Thrive was an early Mint alternative with a focus on budgeting based on your behavior. The tools looked at your average spending in each category, and told you how many times you could do things like go to a restaurant or bar without going into debt.

The site was owned by Lending Tree and shut down in June, 2011.

Mint Alternative: Thrive »


PageOnce

PageOnce logo

PageOnce was built to be a dashboard for all of your account balances, but didn't focus on transactions as much as the high level. It eventually re-branded as Check, a tool focused on bill payments. PageOnce was purchased by Intuit in May, 2014.

In December, 2014, the tools was added to Mint.com under the name Mint Bills, which is available for signup today.

Mint Alternative: PageOnce »

Mint Bills Review »


Manilla

Manilla Logo

Manilla provided account balances in one place, but its best feature was acting as your full service digital filing cabinet. The site automatically downloaded all statements for bank accounts, credit cards, and even utility and other bills.

Manilla shut down in July, 2014. See the link below for my favorite digital file cabinet replacement options.

Mint Alternative: Manilla »

Manilla Alternatives »


Wesabe

Wesabe Logo

Wesabe was another of the original Mint alternatives. In fact, it was older than Mint.com. The site featured both personal finance tracking and a community feature. For those afraid to keep their finances on a server owned by sites like Mint, Wesabe had an online/desktop link that was used to update your transactions.

Wesabe shut down in July, 2010.

RIP Wesabe »


This post was originally published on January 12, 2015 and updated on March 30, 2021.

Filed Under: Banking, Budgeting, Lifehacking Tagged With: LearnVest, Mint Alternatives, Mint.com, Personal Capital, Personal Finance Arsenal, Power Wallet, Quicken, YNAB, Yodlee MoneyCenter

How to Use Compound Interest to Your Advantage and Build Wealth

November 23, 2020 by Miranda Marquit

This is a special post from Miranda, a freelance writer and professional blogger covering financial topics. You can find her at her blog: Planting Money Seeds.

When many of us think of interest, our thoughts go to credit cards and high interest rates. While compound interest can, indeed, be problematic, the truth is that, like so much in the financial world, interest can be a millstone or a tool.

Paying compound interest is no fun. When you are paying interest to someone else, your resources are going directly to enrich others. You receive no benefit – beyond the fact that you were able to borrow money – when you pay interest. This is why you should try to be on the receiving end of interest.

[Read more…] about How to Use Compound Interest to Your Advantage and Build Wealth

Filed Under: Banking, Investing Tagged With: Compound Interest

Finance Basics: What is a Checking Account and How Should I Use It?

July 20, 2020 by Eric Rosenberg

A checking account is the most basic personal finance tool, and it is important that you understand how it works, how to use it, and how not to use it.

[Read more…] about Finance Basics: What is a Checking Account and How Should I Use It?

Filed Under: Banking Tagged With: Ally Bank, Capital One 360, Checking Accounts

How Should a High School Student Learn About Money?

June 25, 2020 by Eric Rosenberg

Many parents shield their children from their personal finances, which can make sense for many families. However, kids will become adults sometime and will have to learn about money sometime. As schools teach almost nothing about personal finance, those lessons should come from parents. But should high school students start managing their own money?

[Read more…] about How Should a High School Student Learn About Money?

Filed Under: Banking, Budgeting, Credit Tagged With: Education, Parenting, young adults

Tools to Manage Your Finances with the Least Work Possible

March 24, 2020 by Eric Rosenberg

Managing your finances can be a lot of work. Between all of your bank accounts, credit cards, investments, 401(k)s, student loans, mortgages, bills, and everything else you’re dealing with, keeping everything organized and avoiding expensive mistakes is tough.

Luckily we live in an age where online tools and apps can help us save time and money dealing with our personal finances. Read on for some amazing tools to simplify, organize, and manage your finances.

Manage Your Day to Day Finances

Between your checking account and all of your debt accounts, you have a lot to keep straight. Plus, if you have as many accounts as me, it can take hours each week to login to each account and make sure everything is working as you expect.

There are many tools and apps built just for this purpose. Here are a couple of favorites that can help manage your finances:

  • Mint.com – Mint.com is one of the original online budgeting applications. Connect your bank accounts to get daily updates on your balances, transactions, and watch your spending on debit and credit cards automatically populate your budget for simple, easy tracking. Mint.com is free to use.
  • You Need a Budget – YNAB has its own budgeting philosophies built around giving every dollar a job. If you earn a dollar, it should be assigned to a budget category like groceries or rent, or a savings category like an emergency fund or Roth IRA. YNAB takes a less automated approach than Mint. YNAB is free for 34 days, then $5 per month or $50 per year.
  • Quicken – If you love the idea of automatically tracking your financial accounts but don’t trust web-based security, Quicken is the best option for you. Quicken is the leading desktop-based budgeting app, and it connects to all of your accounts for automatic updates and categorization.
Learning how to invest

Manage Your Investments

Your investments need different attention than your other accounts. Investments should be setup to work for you over time and do not require daily check-ins or tinkering. There are special tools to help you there.

One such tool is Personal Capital. Personal Capital offers tools to analyze your investments and investment fees, and offers alternative suggestions to align your portfolio to your own investment goals. Using the tools at Personal Capital, I was able to save over $300 per year in 401(k) and mutual fund fees. That will save me tens of thousands of dollars by the time I reach retirement. Personal Capital also offers checking, savings, credit card, and loan account tracking in addition to investments.

If you want extra help with your investments, new advisor services are designed to help you manage your money with as little work as possible. These services also charge far lower fees than traditional financial advisors. Personal Capital offers this type of service if you want to work with a human advisor. If you are okay with computer algorithms managing your investments, Betterment, Blooom, and Wealthfront are excellent options.

Automate to Save Time and Money

Now that you have your finances organized and are on track to get out of debt. Using free online tools, you can further automate your finances to save even more time and money.

Most banks offer free online bill pay. Using this tool, you can turn some bills on autopay while paying others manually through one central dashboard. This is much easier than logging into each site to pay. or sending a paper check in the mail like it’s 1986.

Does your employer offer direct deposit? If you are not taking advantage, sign up right away. It is much easier to have your money just show up in the bank on payday rather than getting a check and physically depositing it.

Did you know that most large employers also allow you to split your direct deposit? Put the majority in your checking, but automate your investments and savings by sending a portion of your paycheck to a savings or investment account. Depositing $200 into an IRA or Roth IRA automatically each paycheck will get you most of the way to maxing out that retirement account each year, which can lead to big tax savings.

There are so many tools and options to automate your finances today. Don’t let your finances hold you back from living the life you want, use your finances to follow your dreams. It all starts with a good budget, automating where you can, and putting your finances on autopilot. You’ll be amazed how easy and fun it can be to keep your personal finances on a plan. If you follow through and take the time to set everything up right, you’ll be in great shape for many years to come.

This article is published in conjunction with InvestmentZen. To learn more about investing, credit cards, and managing your money, check out InvestmentZen today!

Personal finance management tools- PersonalProfitability.com

Filed Under: Banking, Investing

What to Do When You’ve Been Victim of a Data Breach

February 24, 2020 by Eric Rosenberg

Over the last few years, we have seen an unprecedented increase in leaks of credit and debit card numbers from large breaches, or hacks, where bad guys break into stores and steal information. I was a victim of one major data breach, along with millions of others. Here is what to do if your information is stolen, and how to prevent problems in the future with this new wave of breaches.

[Read more…] about What to Do When You’ve Been Victim of a Data Breach

Filed Under: Banking, Credit

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I started a little side hustle blog in 2008, and left my full-time day job as a Senior Financial Analyst to turn my side hustle into a full-time gig. Learn how I did it so you can build your side hustle. It all starts with the first dollar.

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