Disclosure: VaultFlow is ours, and it is listed first. It gets the same four fields as every other app, including its drawbacks.
Short answer
For a free net worth with no bank login, our pick is VaultFlow. For automatic budgeting like Mint used to do, Empower’s free dashboard or Rocket Money’s free tier; Monarch and Copilot if you will pay.
Mint closed in 2024 and sent users to Credit Karma, which does not do budgeting the way Mint did. Two years on, people are still looking for the replacement.
Mint was free because it was paid for by ads and offers. Most of today’s best replacements are subscriptions instead. This guide sorts them into free and paid, and into “links your bank” and “does not”.
Switch to VaultFlow if
- You miss seeing your whole net worth in one place
- You don’t want to link your bank to another company
- You want something free
Pick a bank-linked app instead if
- You need every transaction imported automatically
- You budget with a partner every week
- You want bill and subscription alerts
At a glance
| App | Best for | Pricing |
|---|---|---|
| VaultFlow (ours) | People who want their whole net worth in one place without giving an app their bank login | Free |
| Empower | People who want a free dashboard of all accounts and net worth | Free dashboard; optional paid advisory services |
| Rocket Money | People who want budgets plus help cancelling subscriptions | Free tier plus Premium plans |
| Monarch | Couples and households who want to budget together | Membership after a 7-day free trial |
| Copilot Money | Apple users who want the best-designed budgeting app | Subscription after a 1-month free trial |
| YNAB | People who want a strict give-every-dollar-a-job budgeting method | Subscription after a free month |
The apps in detail
VaultFlow
Ours- Best for
- People who want their whole net worth in one place without giving an app their bank login
- Highlights
- Assets, debts, property and investments in one net worth, with live prices for holdings
- Import the CSV, OFX or QFX statement your bank already gives you — duplicates skipped
- Or let ChatGPT, Claude or Gemini do the typing with ready-made prompts
- No bank login and no account; your data stays on your device and exports any time as a spreadsheet
- Pricing
- Free
- Watch out
- There is no automatic bank sync — to update, you import the statement file your bank lets you download (CSV, OFX or QFX) or add numbers yourself. It needs iOS 26.2 or later and runs on iPhone and iPad only.
Empower
- Best for
- People who want a free dashboard of all accounts and net worth
- Highlights
- All your accounts in one place
- Net worth tracking, per the listing
- Free Empower Dashboard
- Pricing
- Free dashboard; optional paid advisory services
- Watch out
- The free app leads toward Empower’s wealth-management services.
Rocket Money
- Best for
- People who want budgets plus help cancelling subscriptions
- Highlights
- Finds and cancels forgotten subscriptions
- Budgets and spending by category
- Free budget features, per the listing
- Pricing
- Free tier plus Premium plans
- Watch out
- Bill negotiation and the AI assistant are paid.
Monarch
- Best for
- Couples and households who want to budget together
- Highlights
- All accounts in one view with net worth
- Bills and subscriptions calendar
- Add a partner or household members
- Pricing
- Membership after a 7-day free trial
- Watch out
- Not free after the trial.
Copilot Money
- Best for
- Apple users who want the best-designed budgeting app
- Highlights
- Spending, budgets, investments and net worth
- Web, iPhone, Mac and iPad
- Apple Editor’s Choice
- Pricing
- Subscription after a 1-month free trial
- Watch out
- Not free after the trial.
YNAB
- Best for
- People who want a strict give-every-dollar-a-job budgeting method
- Highlights
- Plans shared with up to six people
- Bank import
- Net worth tracking
- Pricing
- Subscription after a free month
- Watch out
- Not free, and the method takes commitment.
The bank-login question
Every app that imports transactions needs a connection to your bank through a data aggregator. That is what made Mint convenient, and it is what some people were glad to be rid of.
VaultFlow takes the opposite approach: no bank login at all. You import the statement file your bank’s website already gives you (CSV, OFX or QFX — duplicates are skipped), let ChatGPT, Claude or Gemini do the typing with its ready-made prompts, or add numbers yourself. Investments get live prices, and your data stays on your device — export it any time as a spreadsheet.
Common questions
Is Mint still available?
No. Mint shut down in 2024 and pointed users to Credit Karma.
What is the best free Mint alternative?
Empower’s free dashboard or Rocket Money’s free tier for linked budgeting; VaultFlow for a free net worth tracker with no bank login.
Is there a Mint alternative that doesn’t need my bank login?
VaultFlow never logs in to your bank — you import the CSV, OFX or QFX statement file your bank provides, or add numbers yourself.
App Store listings checked on 27 September 2026. Prices change — each entry describes how an app is paid for rather than a number that goes stale.
Published · No affiliate links
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