Mint is the biggest and most popular online personal finance tracking site. 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 has 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.
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.
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.
Clarity Money has quickly become one of my go-to personal finance apps on my phone and computer. 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.
The app is so good Goldman Sachs recently purchased the company. Hopefully, that will lead to more improvements and useful features and not an end to the app. In either case, if you want a simple snapshot of all of your money, Clarity Money delivers.
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.
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.
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 just try out the free trial for 34 days.
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.
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.
The Mint Alternative Graveyard
The site shut down in February, 2013.
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.
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.
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.
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.
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