Mint Alternatives for International Users: Where to Go After Mint's Shutdown

Disclosure: FlashFi is a competitor to the products mentioned.

Disclosure: FlashFi is one of the alternatives listed. This is our honest assessment based on publicly available information.

On March 23, 2024, Intuit shut down Mint — the free budgeting app that had been a cornerstone of personal finance for over 15 years. Millions of users lost their go-to tool for tracking spending, categorizing transactions, and monitoring their financial health. Intuit migrated everyone to Credit Karma, which offers credit score monitoring but lacks the budgeting features that made Mint useful in the first place. You cannot create a budget in Credit Karma. You cannot set savings goals. The transaction categorization is basic at best.

For US-based users, the migration was inconvenient. For international users, it was the final straw.

Mint was always officially US-only — it relied on Plaid connections to American banks, displayed everything in USD, and had no multi-currency awareness. But a surprising number of expats, digital nomads, and international users had found ways to make it work: connecting US accounts from abroad, manually entering foreign transactions, treating it as a partial view of their finances. It was free and it was familiar.

Now that option is gone. If you are an international user looking for what comes next, here are seven alternatives worth considering — from budgeting-focused tools to full portfolio trackers, all evaluated for how well they handle life outside the US.

Quick Comparison¶

Monarch Money¶

Monarch Money is the closest thing to an official Mint successor. Intuit partnered with Monarch to offer displaced Mint users a discounted migration path, and Monarch absorbed a large portion of Mint’s user base. The result is a well-funded, polished budgeting and investment tracking app that does what Mint did — and more.

Pricing: $99.99/year billed annually, or $14.99/month billed monthly. No free tier, but a 7-day free trial is available. Single plan with all features included — no upselling to premium tiers.

Strengths:

• The most complete Mint replacement available — budgeting, investment tracking, bill monitoring, net worth, and goals in one app
• Clean, modern interface that feels like a proper generational upgrade from Mint’s aging design
• Connects to over 10,000 US and Canadian financial institutions via Plaid
• Two budgeting styles: traditional category-based budgets and flex budgeting for people who found Mint’s rigid categories frustrating
• Collaborative features for couples and households at no additional cost — one subscription covers everyone
• Strong mobile apps on both iOS and Android
• Active development team with frequent feature additions and responsive support

Weaknesses:

• US and Canada only — cannot connect to international banks, brokerages, or financial institutions outside North America
• No multi-currency support — everything is displayed in USD or CAD with no currency conversion
• The $99.99/year price is a significant step up from Mint’s free model
• Investment tracking is good for passive monitoring (401k, IRA balances) but less capable than dedicated portfolio tools for active management
• Cannot be downloaded outside US and Canadian app stores

Best for: US and Canadian residents who want the natural Mint successor with better design and more features. If you still live in North America and your financial life is entirely domestic, Monarch is the obvious first choice. For international users, it has the same geographic limitation that made Mint problematic — only now you are paying for it.

YNAB (You Need a Budget)¶

YNAB is not just a budgeting app — it is a budgeting methodology. Built around zero-based budgeting (every dollar gets a job before you spend it), YNAB has a passionate user community and a fundamentally different philosophy from Mint’s passive transaction tracking. Where Mint showed you where your money went after the fact, YNAB tells you where to put it before you spend.

Pricing: $14.99/month or $109/year (~$9.08/month). 34-day free trial. Up to 6 people can share a single subscription.

Strengths:

• Zero-based budgeting methodology that genuinely changes how people think about money — extensive educational content, workshops, and a dedicated community
• Strong bank syncing via Plaid for US and Canadian institutions, with expanding support for some European banks
• Goal tracking with target dates and funding schedules
• Share one subscription with up to 6 people — exceptional value for households
• Debt payoff tracking with snowball and avalanche strategy support
• Mature, stable product with over a decade of development
• Available on iOS, Android, and web with full feature parity

Weaknesses:

• Multi-currency is severely limited — you select one currency per budget, and YNAB does not convert between currencies. If you earn in EUR and spend in THB, you need separate budgets or third-party workarounds
• No investment tracking whatsoever — YNAB tracks account balances but does not know what stocks, ETFs, or crypto you hold
• Bank syncing outside the US and Canada is unreliable — European and international connections are spotty
• The zero-based methodology has a steep learning curve and is not for everyone — if you want passive tracking like Mint, YNAB will feel like homework
• $109/year is the most expensive pure budgeting tool in this list
• Direct import (bank syncing) only available in US, Canada, and select European countries

Best for: Disciplined budgeters in the US or Canada who want a system for proactively managing money, not just tracking it. YNAB is exceptional at what it does, but it is not a Mint replacement for international users — the multi-currency limitations are fundamental, not fixable with workarounds.

FlashFi¶

FlashFi is a multi-currency portfolio tracker and personal finance app built for digital nomads, expats, and international investors. Unlike Mint (which was purely a budgeting and spending tracker), FlashFi focuses on the investment and net worth side — tracking stocks, ETFs, crypto, cash accounts, and debt across multiple currencies with real-time FX conversion.

Pricing: Operator plan at $12/month ($144/year). Apex plan at $39/month ($468/year) with advanced analytics. No free tier. Monthly billing, cancel anytime.

Strengths:

• Multi-currency from the ground up — every holding, cash account, and debt entry supports any currency, with real-time FX conversion to your chosen home currency
• Combines investment tracking (stocks, ETFs, crypto with live market data via Tiingo) with personal finance tools (multi-currency cash accounts, savings tracking, debt management)
• Switch your home currency anytime and see your entire portfolio re-denominated instantly — essential when you move countries
• Mobile-first web app — no app store restrictions by country, works from any phone or browser
• No bank credential sharing — manual entry means you control exactly what data the system has
• Built for the specific use case of managing money across borders, not a US tool with international features added as an afterthought

Weaknesses:

• No automatic bank connections — all account data is entered manually (asset prices update automatically, but positions and balances need manual input)
• Not a budgeting tool — does not replace Mint’s transaction categorization, spending analysis, or budget tracking
• No free tier — paid from day one at $12/month
• Narrower asset coverage than dedicated wealth trackers like Kubera — no alternative assets like private equity or real estate
• Relatively new product with a smaller user base

Best for: Expats, digital nomads, and international users who need to track investments and net worth across multiple currencies. If Mint’s budgeting features were secondary to you and you primarily used it for net worth tracking and account aggregation, FlashFi covers that use case with genuine multi-currency support. Pair it with Lunch Money or YNAB if you also need budgeting.

Lunch Money¶

Lunch Money is an indie budgeting app built by Jen Yip, a solo founder and digital nomad who built the tool she wished existed. It supports over 160 currencies with historical exchange rates, has bank syncing via Plaid with expanding international coverage, and costs less than almost any alternative on this list. For international Mint users, Lunch Money is arguably the most direct replacement.

Pricing: $10/month, or a pick-your-price annual plan starting at $50/year (minimum increasing to $60/year from March 2026). All features included at every price level — no tiers, no feature gating, no premium upsells.

Strengths:

• Native multi-currency support across 160+ currencies — transactions are stored in their original currency with historical exchange rates preserved, so your spending in Thai baht three months ago is converted at the rate from that day, not today
• Bank syncing via Plaid for US and Canadian institutions, expanding into Europe, plus CSV import and a developer API for anything Plaid does not cover
• Clean, thoughtful interface focused on doing one thing well — budgeting and expense tracking without feature bloat
• Invite unlimited collaborators to share a budget at no extra cost
• Built by and for the digital nomad community — the founder understands the multi-currency, multi-country use case firsthand
• Cryptocurrency tracking through integrations or manual entries
• Extremely affordable — as low as $50/year for the complete app with every feature included
• Recurring expense tracking, bill monitoring, and cash flow planning
• Active development with regular updates — redesigned budgeting interface, improved calendar view, biometric mobile login

Weaknesses:

• Not an investment tracker — no portfolio management, no stock or ETF pricing, no asset allocation, no net worth from investments
• Bank syncing outside the US and Canada is improving but not comprehensive — many international banks require CSV upload or manual entry
• Web-first with mobile companion apps on iOS and Android — the mobile experience is functional but not as polished as native-first apps like Copilot
• Solo founder means slower feature development compared to funded teams, though it also means no VC pressure to enshittify the product
• No retirement planning, no investment analysis — purely budgeting and spending

Best for: Digital nomads and international users who primarily used Mint for budgeting, expense tracking, and spending categorization. Lunch Money is the closest spiritual successor to Mint for people outside the US — multi-currency by default, affordable, and built by someone who actually lives the lifestyle. The pick-your-price model is a nod to Mint’s free ethos.

Finary¶

Finary is a France-based wealth management platform that has expanded from a French startup into one of Europe’s leading financial trackers. It combines budgeting, investment tracking, bank syncing, and wealth simulation in a single app — the kind of all-in-one approach Mint users appreciated, but with genuine multi-currency support and European bank coverage that Mint never had.

Pricing: Free tier (2 bank connections, basic features, no time limit). Lite at EUR 54.99/year (~$60/year). Plus at EUR 149.99/year (~$165/year) with unlimited bank connections, fee scanner, sector and geographic allocations, wealth simulation, and dividend tracking. Pro at EUR 349.99/year for business accounts and professional features. 14-day free trial of Plus available.

Strengths:

• Generous free tier — connect 2 accounts and track your net worth forever at no cost, which is closer to Mint’s free model than most alternatives
• Over 20,000 bank and brokerage connections, with exceptionally strong coverage across the EU and UK
• Combines budgeting with investment tracking — see your spending and your portfolio in one app
• Fee scanner identifies hidden fees across your investment products — genuinely useful and rare outside Empower
• Wealth simulation projects your portfolio forward based on contributions, returns, and life goals
• Dividend tracking with projected annual income and an upcoming payment calendar
• Mobile apps for iOS and Android with regular updates and a responsive development team
• Active community that influences the product roadmap

Weaknesses:

• Strongest in France and Western Europe — bank connections outside the EU are less reliable, and US bank connections exist but are not as robust as Plaid-native tools
• The app may not be available in all countries due to legal and regulatory restrictions
• Interface and content lean European — US-specific concepts like 401(k), IRA, or HSA are not first-class citizens
• Community and documentation are predominantly French-speaking, though English support is available and improving
• The free tier limits you to 2 connections, which most people with finances in multiple countries will outgrow quickly

Best for: European users and expats based in Europe who want the closest thing to Mint’s all-in-one approach — budgeting, spending tracking, and investment monitoring — with strong European bank connections. The free tier makes it an easy first step. If you moved from the US to Europe and miss having everything in one dashboard, Finary is the strongest option for your new financial geography.

Copilot Money¶

Copilot Money is a personal finance app exclusively for the Apple ecosystem — iPhone, iPad, and Mac. It is one of the most visually polished finance apps available, with machine learning-powered transaction categorization that learns your habits over time. Think of it as what Mint might have become if Apple had acquired it instead of Intuit.

Pricing: $95/year (~$7.92/month) or $13.99/month. 30-day free trial with no credit card required.

Strengths:

• Arguably the best-designed personal finance app available — native Apple design that feels like it belongs on your iPhone
• Machine learning categorization that creates a private AI model based on your specific spending patterns — accuracy improves over time
• Connects to over 10,000 US financial institutions via Plaid
• Adaptive budgets that adjust based on your actual spending habits rather than rigid category limits
• Bill tracking with due date reminders and subscription monitoring
• Investment tracking with portfolio performance and asset allocation (more capable than Mint’s was)
• Real-time net worth tracking across all connected accounts
• 30-day free trial with no payment information required — genuinely risk-free to try

Weaknesses:

• Apple only — no Android app, no Windows app, no web app. If you are not fully in the Apple ecosystem, Copilot does not exist for you
• US-focused — bank connections are via Plaid and limited to US institutions. No international bank support
• No multi-currency support — everything in USD
• $95/year is premium pricing for a budgeting app, though the 30-day trial helps justify it
• No collaborative features — no way to share a budget with a partner (unless they have access to your Apple account)
• Investment tracking is improving but still secondary to the budgeting features

Best for: Apple users in the US who value design and want the most polished Mint replacement available. Copilot is genuinely excellent within its constraints — but those constraints (Apple-only, US-only, USD-only) make it a non-starter for international users. Including it here because many Mint refugees end up considering it, and it is worth understanding why it will not work abroad.

Wealthica¶

Wealthica is a Canada-focused financial aggregator that connects to 140+ Canadian financial institutions and provides a consolidated view of investments, net worth, and performance. If you are a Canadian expat, Wealthica does for Canadian accounts what Empower does for American ones — with some unique advantages.

Pricing: Free tier available (basic account aggregation and net worth tracking). Premium at $11.99/month or ~$108/year with a 25% discount for annual billing. No trial period, but the free tier lets you evaluate the core functionality.

Strengths:

• Connects to 140+ Canadian financial institutions — including banks, brokerages, robo-advisors, and pension providers that US tools do not support
• Free tier offers basic account aggregation and net worth tracking at no cost
• Consolidated investment performance tracking across multiple accounts and institutions
• Dividend tracking and income analysis
• Tax reporting features designed for Canadian tax obligations
• SOC 2 Type 2 compliant with bank-level encryption
• Open API and add-on ecosystem — third-party developers can build extensions
• Available on web, iOS, and Android

Weaknesses:

• Canada-focused — the 140+ connections are Canadian institutions. US, European, and other international accounts generally cannot be synced
• Limited budgeting features — Wealthica is an investment aggregator, not a spending tracker like Mint was
• The interface feels more utilitarian than polished — functional but not beautiful
• Premium pricing at $11.99/month is steep for a regional tool
• No multi-currency support beyond CAD and USD
• Smaller development team with slower feature cadence than funded competitors

Best for: Canadian expats and Canadians with accounts at multiple institutions who want a consolidated view of their investments. If you hold RRSPs, TFSAs, and accounts across RBC, TD, Wealthsimple, and Questrade, Wealthica brings them all together in one dashboard. Not useful for non-Canadians or people without Canadian financial accounts.

How to Choose¶

The right Mint replacement depends on what you actually used Mint for and where your financial life is now.

If you used Mint for budgeting and still live in the US or Canada: Monarch Money is the most direct successor — it absorbed Mint’s users for a reason. YNAB is better if you want a proactive budgeting methodology rather than passive tracking. Copilot is the choice if you are all-in on Apple and value design above everything.

If you used Mint for budgeting and live outside North America: Lunch Money is the strongest option. It was built by a digital nomad, supports 160+ currencies natively, and costs as little as $50/year. It is the closest thing to “Mint, but international.”

If you used Mint for net worth tracking across multiple currencies: FlashFi gives you multi-currency portfolio tracking and personal finance tools in one app for $12/month. It does not replace Mint’s budgeting, but it replaces the net worth and account aggregation side with genuine multi-currency support.

If you are based in Europe: Finary’s free tier and 20,000+ European bank connections make it the obvious starting point. It combines budgeting and investment tracking, which is closest to Mint’s all-in-one philosophy.

If you are Canadian: Wealthica’s 140+ Canadian institution connections and free tier make it the natural choice for consolidating Canadian investments. Pair it with Lunch Money or YNAB if you also need budgeting.

If you need both budgeting and portfolio tracking internationally: No single tool does both perfectly for international users. The most common setup is Lunch Money for budgeting ($10/month) plus FlashFi for portfolio tracking ($12/month) — $22/month total for comprehensive international financial management. Finary also covers both in one app if you are in Europe.

The honest truth is that nothing free replaces Mint for international users. Mint’s free model was subsidized by Intuit’s data business and Credit Karma referrals — a model that no independent fintech can replicate. But the tools listed above are all reasonably priced, and unlike Mint, they actually work when your financial life extends beyond US borders.

Try FlashFi — Multi-Currency Finance Tracking for International Users

By David Brougham