Mint shut down in March 2024. Two years later, the post-Mint landscape is largely the same shape: most "Mint alternatives" use the same bank-aggregator model that Mint did. You connect your bank through Plaid, MX, or Yodlee, and the alternative gets read access to every transaction on every linked account, in real time, forever.
For most people, that tradeoff is fine. Convenience for surveillance is the default exchange in consumer software. But if you've ever wondered whether you could get the categorization, subscription tracking, and historical view withouthanding a third party your banking credentials — there is a smaller, less marketed category of tools that does exactly that. Here's the short list, with who each is best for.
How to read this list
Every tool here works from statement uploads, not bank linking. You'll need to spend 30 seconds per month downloading PDFs from your bank's website. In exchange, your bank credentials never leave your bank, and no third-party aggregator is sitting between you and your money.
1. Sortlumo
Best for:people who want Mint's categorization and forgotten- subscription detection without bank linking, and who value Excel export.
- Upload bank or credit card PDFs. 22 categories assigned automatically.
- Subscription detection with annualized cost.
- Multi-account view (free=1, personal=5, pro=unlimited).
- Excel export on every plan, including free.
- Web app and iOS app.
- Pricing: free for 3 statements/month, $5.75/mo Personal, $11.58/mo Pro.
Where it loses: No real-time sync. No credit score tracking. No investment portfolio analytics. If those matter to you, look at Monarch or Empower.
Try Sortlumo free — no card, 3 statements/month, no bank login.
2. Monavio
Best for:people who want a Mint-style dashboard with net worth tracking and don't mind a higher monthly cost.
- PDF upload model like Sortlumo.
- Dashboards for spending, budgets, investments, and net worth.
- AI-driven extraction with manual override.
Where it loses: More expensive than the alternatives. Less mature than the bank-sync incumbents on real-time UX.
3. Spend & Invest
Best for:people who want AI-powered analytics on top of uploaded statements and like a chat-style "ask questions about my spending" interface.
- Upload bank statement PDFs, AI categorizes every transaction.
- Natural-language queries on your spending data.
- Dashboards built from your uploaded statements.
Where it loses: Newer than the others, fewer reviews to weigh. Pricing is at the higher end of the cluster.
4. Lunch Money
Best for: people who are comfortable importing CSV and want a flexible, opinionated budget app.
- CSV import (not PDF — you'll need to convert first).
- Excellent budgeting features and tags.
- Active development, indie team.
Note: Lunch Money also supports Plaid-style linking, but you can ignore that and run it entirely from CSV uploads. If you want strict no-aggregator, skip the Plaid setup.
5. Tiller
Best for: spreadsheet people who want their financial data in Google Sheets or Excel directly.
- Uses Google Sheets as the front end.
- Templates for budgeting, debt tracking, net worth.
- Full control over data and formulas.
Note:Tiller's default mode uses bank aggregator sync. You can use it CSV-only, but you'll be working against the grain. Best if you're already a spreadsheet-driven person.
The bank-sync alternatives, for honesty
If you decide bank linking is fine after all, the well-reviewed options for 2026 are:
Monarch Money
The closest thing to Mint's UX, with serious investment in design and reliability. Bank-aggregator model. Around $99/year.
Copilot Money
Beautiful Apple-only app, bank-aggregator model, $13/mo. Best-in-class iOS experience. Not available on Android or web.
YNAB (You Need a Budget)
Less a Mint replacement, more a budgeting philosophy with software. Zero-based budgeting, steep learning curve, devoted users. $99/year.
Empower Personal Dashboard
Free dashboard with net worth and investment focus. Owned by a wealth-management firm that will eventually call to sell you advisory services.
Picking from this list, in 30 seconds
- Want Mint's vibe without bank linking → Sortlumo. Try the free tier first.
- Want Monthly cost view in a beautiful iOS app, OK with bank linking → Copilot Money.
- Want serious budgeting → YNAB.
- Want it in a spreadsheet →Tiller, or roll your own with Sortlumo's Excel export.
- Want net worth + investment focus → Empower (free, with tradeoffs).
The privacy framing, one more time
The bank-aggregator model isn't evil. It's a real, regulated industry. But it also means that every aggregator-linked tool can theoretically see every transaction on every linked account, indefinitely. That's not how most people think of "tracking my spending" — and once you notice it, it's hard to unsee.
The PDF-upload model is more work. The tradeoff is that the data path is: bank → you → the tool. No third party in the middle, no API key with read access to your bank, nothing happening behind the scenes when you're not looking. That's the whole reason this list exists.