What replaced Mint after it shut down in January 2024?

Intuit directed users to Credit Karma, but most found it inadequate. Reddit recommends YNAB, Monarch Money, Copilot (iOS), and EveryDollar. FinBodhi (local-first) is a newer alternative.

Is YNAB worth $109 per year?

Divided opinion. Reddit's r/ynab swears by it. r/personalfinance users frequently ask for free alternatives. The price doubled since 2021 which drove many users away.

What is zero-based budgeting and which apps support it?

Zero-based budgeting assigns every dollar to a category until income minus expenses equals zero. YNAB and EveryDollar are designed around this method. Most other apps use category tracking instead.

Are there free budgeting apps after Mint shut down?

Simplifi ($3.99/mo), FinBodhi (free, local-first), and spreadsheet-based approaches are the main free or cheap options. Google Sheets with a template is still popular.

What is Monarch Money and how does it compare to Mint?

Monarch Money is a Mint replacement at $14.99/mo with bank sync, net worth tracking, and collaborative budgets. More polished than Mint but subscription-only.

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clawsmith.com/signal/mobile-budgeting-app-post-mint-shutdown-ynab-too-expensive

⚠ IssueUnderservedMobile AppLive

Millions of ex-Mint users need a free or cheap budgeting app after YNAB raised to $109 per year

Mint shut down January 2024 pushing millions of users to seek alternatives. YNAB at $109/yr is the Reddit consensus but frequently called too expensive. FinBodhi (local-first, 40 HN pts Nov 2025) and ZeroSum (Feb 2026) show active builder interest in the post-Mint gap.

Score Breakdown

Social Proof 3 sources

Show HN: FinBodhi – Local-first, double-entry app/PWA for your financial journey

ciju · 11/3/2025

61 RD

Best finance and budget App

u/JuanCHR · 5/1/2025

33 RD

are there any free budgeting apps?

5/1/2025

Existing Solutions 4 competitors

YNABMarket leader post-Mint

Leading budgeting app at $109/yr, community-recommended but expensive.

Monarch MoneyGrowing rapidly

Mint replacement with bank sync, $99/yr subscription.

FinBodhiEarly stage

Local-first double-entry finance app/PWA, 40 HN points Nov 2025.

Mint (shuttered)Defunct, 30M user gap

Free budgeting app with 30M users, shut down January 2024 by Intuit.

Gap Assessment

UnderservedExisting solutions leave gaps

YNAB (expensive), Monarch Money (subscription), Copilot (iOS only) exist. FinBodhi and ZeroSum are early; no clear winner post-Mint for affordable cross-platform budgeting

Frequently Asked Questions

Virality Score

100

across 2 platforms

Details

Signalissue

EcosystemMobile App

Sources3

Platforms2

Updated1h ago

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