What happened to Mint
Intuit shut Mint down on March 23, 2024 and rolled the user data into Credit Karma. Millions of people went looking for a replacement that actually budgeted. Credit Karma kept the transaction feed but dropped budgeting, goals, and net-worth tracking, so for most ex-Mint users it didn't feel like one.
Two years on, the field has settled. Here's what people actually use, with honest notes on each.
Monarch Money: the most-recommended successor
Built by ex-Mint engineers. Looks and feels closest to old Mint. Has budgets, goals, net worth, recurring detection, custom categories, and a flexible household-sharing model. $14.99/mo or $99.99/yr.
Great at: being the Mint replacement people actually wanted. Clean UI, strong web and mobile, no upsell on top of the subscription. If you miss Mint, this is what to try first.
Less good at:AI-driven analysis. Monarch has rules and automation but doesn't have a free-form chat surface for ad-hoc questions. If you want to ask “what did I spend on coffee last month and how does it compare to the year-ago month?” in plain English, you're still navigating menus.
Copilot Money: the Apple-only AI app
Beautiful iOS and macOS native app. AI-powered transaction categorization. The best Apple Card support in the field (Apple Card data doesn't show up in upstream bank-aggregator feeds, so Copilot's native integration is a real advantage). $13/mo or $95/yr. iPhone and Mac only, with no Android, no Windows, no web.
Great at: visual design, Apple Card import, in-app AI that categorizes transactions accurately and surfaces unusual spend.
Less good at:being usable if you have an Android phone or a Windows machine. Also bounded by Copilot's feature set, so you ask what Copilot exposes, not what you can imagine.
Rocket Money: subscriptions and bills
Originally Truebill. Best-known for finding and cancelling unwanted subscriptions on your behalf, plus a bill-negotiation feature (cable, internet, phone). $4-$12/mo on a sliding pay-what-you-want scale.
Great at: the one job. If you have subscription sprawl and want a service to cancel things for you, Rocket is the best at it. The bill-negotiation feature is real (they take a cut of the savings).
Less good at:being a full budgeting app. Rocket does budgets and transactions but it's not the focus, and it's not as deep as Monarch or YNAB.
YNAB: a method, not a clone
You Need A Budget. $14.99/mo or $109/yr. Envelope budgeting built on a real method: give every dollar a job before you spend it, reconcile against the plan, change behavior over time. One of the more devoted user bases in the category.
Great at: teaching you a real budgeting method. If you commit to it, the method genuinely changes how you handle money. Plenty of users credit YNAB with helping them pay off credit-card debt.
Less good at: being a passive tracker. YNAB requires you to show up: the envelopes need refilling, the transactions need categorizing. If you bounce off the method, the app is wasted.
Empower: free wealth tracker
Formerly Personal Capital. Free dashboard for tracking net worth, projecting retirement runway, and analyzing investment allocation. Best-in-class retirement planner for a consumer tool.
Great at: net-worth charting, retirement Monte Carlo, investment-checkup. Genuinely free for the tracker tier.
Less good at:staying out of your inbox once you link enough money. Empower's real business is wealth-management advisory; the tracker is the funnel. Around $100k linked and an advisor will start calling. Easy to ignore but worth knowing.
Credit Karma: where Mint went, but stripped
Intuit officially migrated Mint to Credit Karma. The transaction feed and account aggregation came with the move; budgeting, goals, and net-worth tracking did not. It's free.
Great at: credit-score monitoring (always was) and basic transaction viewing. Free.
Less good at:being a Mint replacement. The features that made Mint useful didn't survive the move. Most ex-Mint users tried Credit Karma, didn't find what they wanted, and moved on.
Where BankBridge fits
Everything above is a destination app. You open it, look at your finances, close it. That interaction model hasn't really changed since Mint launched in 2006.
BankBridge is the agent-shaped version. You don't open BankBridge. You open the AI agent you already use (Claude, ChatGPT, Cursor, Gemini, and 25 others) and ask money questions in plain English. The agent calls one of 12 read-only tools, live-fetches from your bank, and answers.
If you already live in an agent most of the day, that difference matters. Your finances become a question you can ask in the same place you ask everything else, rather than a separate app you have to remember to open. $5/mo per connected bank.
If you want a polished budgeting UI, BankBridge isn't the right tool. Pick Monarch or YNAB. BankBridge has no UI of its own; that's the point.
Which to pick
- Closest to Mint: Monarch Money. Most ex-Mint users land here.
- Beautiful on Apple, AI categorization: Copilot Money. iPhone + Mac only.
- Subscription cleanup: Rocket Money.
- You want a method: YNAB.
- Free wealth tracker + retirement projection: Empower (ignore the advisory calls).
- Free, basic, no budgets: Credit Karma.
- You already use an AI agent and want it to answer money questions: BankBridge.
None of these are mutually exclusive. Plenty of people pair a budgeting app (Monarch, YNAB) with BankBridge for the agent ask-anything surface. The tools live in different parts of your routine.
Try BankBridge at bankbridge.money. Questions? Email hello@greatwork.company. Built by Great Work.