Looking for a Mint alternative?
Intuit shut Mint down in March 2024 and pointed everyone at Credit Karma — which kept the credit tools and dropped the budgets. Two years on, the replacements have sorted themselves into camps. Here's an honest comparison, with every price checked on the vendors' own pages and date-stamped, so you can pick with your eyes open.
No credit card for the free plan — and the homepage demo needs no signup at all.
The comparison, straight
Prices checked July 29, 2026, from each vendor's public pricing and help pages. Promos and prices change — verify before you buy.
| Zoninga | Monarch | Copilot Money | Rocket Money | YNAB | Origin | |
|---|---|---|---|---|---|---|
| Price | $9.99/mo or $79.99/yr | $14.99/mo or $99.99/yr (Core); Plus $199.99/yr | $95/yr (no monthly plan published) | Premium $7–$14/mo, pay-what-you-think-is-fair | $14.99/mo or $109/yr | $99/yr ($1 first-year promo running July 2026) |
| Genuinely free tier | Yes — 3 accounts, 200 transactions/mo, budgets, goals, 2 payoff strategies | No — 7-day trial | No — 1-month trial | Yes — subscription tracking + basic budgeting | No — 34-day trial | No — trial paused during promo |
| AI agent with daily monitoring | Yes — a watchdog agent checks bills, balances, and cash flow daily and proposes; you approve | AI assistant (Q&A) | Money assistant, beta | Not currently advertised | None advertised | "AI Financial Advisor" positioning |
| Debt payoff strategies | 9, compared side by side on your real debts | Not a headline feature | Not a headline feature | Basic payoff tools | Debt paydown within budgeting | Not a headline feature |
| Connect Claude or ChatGPT (MCP) | Yes — live today, Claude and ChatGPT, 170 tools | Official connector — paused as of June 2026 | Read-only beta, waitlist | No | Community-built only, unofficial | No |
| Moves your money | Never. Approval-first: it proposes, you act at your own bank | No | No | Bill negotiation acts on your behalf (fee-based) | No | No |
| Try without signing up | Yes — live demo + free calculator | No | Yes — "test drive" | No | No | No |
Every one of these is a competent app — this table is about fit, not winners. If you mostly want subscription-cancellation help, Rocket Money's free tier is honestly hard to beat. If you want hands-on envelope budgeting, YNAB has a devoted following for a reason.
Where Zoninga fits
Zoninga's bet is different from the Mint-style dashboard: instead of you checking the app, an agent checks for you — every morning it looks at your bills, balances, and cash flow, and only speaks up when something needs you. When it does, it proposes; nothing changes without your approval, and Zoninga never moves your money — you act at your own bank. Underneath sits the full toolkit Mint users miss: budgets, goals, and a debt engine that compares nine payoff strategies on your actual debts.
It's also the connector play done fully: if you already pay for Claude or ChatGPT, you can plug your assistant straight into your finances over an OAuth connection — live today, read and write (with confirmation), not a waitlist. And it's founder-built: one person, no growth team, no data resale — your data is never sold, rented, or traded.
Common questions
What happened to Mint?
Intuit announced Mint's shutdown in late 2023 and closed it in March 2024, directing users to Credit Karma — which absorbed accounts and net-worth tracking but not Mint's budgeting. That's why the "Mint alternative" search exists: the budgets are what people actually lost.
Is there a truly free Mint alternative?
Mostly no — the post-Mint generation is paid, usually $95–$110 a year. Of the apps compared here, only Zoninga and Rocket Money keep genuinely free tiers (not just trials). Zoninga's free plan covers 3 accounts, 200 transactions a month, budgets, goals, and 2 payoff strategies.
Which Mint alternative works with Claude or ChatGPT?
As of July 2026: Zoninga's MCP connector is live for both Claude and ChatGPT with 170 tools. Monarch has an official connector that is currently paused; Copilot's is a read-only beta behind a waitlist; YNAB has community-built unofficial servers only. See the full connection guide.
Does Zoninga move my money like Rocket Money's bill negotiation?
No — and that's deliberate. Zoninga never moves money and never acts on your behalf with third parties. Its agent watches daily, flags what needs you, and proposes; you approve and execute anything real at your own bank.
Can I try it before creating an account?
Yes — the homepage demo is a scripted conversation over a demo household with no signup, and the debt payoff calculator is free with no account. Every new account also starts with a 14-day Premium trial. See pricing.
Zoninga provides educational tools and information, not financial advice. Written by Kyle Rice, solo founder of Zoninga. Competitor facts checked July 29, 2026 on each vendor's own public pages; corrections welcome at support@zoninga.com.
Put a watchdog on your money
Start with the free calculator — see your debt-free date in about a minute, anonymous, no account needed.
When you're ready to stop watching your accounts yourself, your numbers come with you and the agent takes the daily shift.
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