While Mint.com is one of the most popular budgeting apps out there, it isn’t the only option. From the review of Mint.com, we’ve seen a number of dissatisfied users of the product. In addition, for those who want to go a little deeper with their personal finances, Mint can’t always match. Fortunately, there are alternatives to Mint.
The Mint service is far from perfect. As we’ve seen from user comments on our site, Mint has been plagued with:
- Syncronization Issues — Banks or credit cards dropping connection that can last for weeks at a time.
- Poor Customer Service — It’s not uncommon for questions to go unanswered for weeks, or problems not resolved.
- Simplistic Investment Analysis — If you are looking to monitor your investment performance, Mint is weak at best in this area.
- Intrusive Ads — Ads are displayed in various parts of the site selling you a financial service related to your profile.
Many of the Mint.com alternatives have developed features that make Mint seem like a toy. While many people do well with Mint, there are other options that might fit better, depending on your goals and preferences. In the list, we’ve linked to our product review as well.
If you are looking for a finance web-based app that focuses on investing, this is what we recommend. In fact, we have it on our list of the best investment apps.
Like Mint, Personal Capital is free to use. Unlike Mint, which focuses a lot on budgeting (and where your money has gone), Personal Capital emphasizes investing and saving for retirement. If you want to dive into deeper the differences, we have a detailed comparison between Mint and Personal Capital.
While Mint is heavily focused on helping you track your spending, after the fact, YNAB is all about planning your spending ahead of time. You aren’t going to get a solid investing app with YNAB, but you are going to be able to feel more as though you are directing your resources, rather than just tracking where your money has already gone. It’s a great app for those especially interested in zero-based budgeting. YNAB is our recommended best budgeting apps. For more information read our Mint vs. YNAB comparison.
YNAB has a special promotion going on where you can get the first two months for free.
CountAbout is an online service that automatically downloads your transactions into one central place and allows you to create budgets with ease. Unique to CountAbout, you can import your existing transactions from Mint or Quicken.
Sign up for the free 15-day trial.
LearnVest goes beyond the offerings from Mint.com. The investment aspect is much, much stronger than what you’ll see with Mint. Additionally, you can choose manually enter transactions with LearnVest, if you don’t want to link your accounts. LearnVest allows you to set detailed goals, and track your progress. LearnVest offers financial planning services — something you won’t get with Mint (but you can get with Personal Capital). LearnVest has a very strong educational component that sets it apart from many other financial apps.
If you want a fully-functional way to track your accounts — including investment accounts — the latest version of Quicken has really taken things up a notch. Quicken now makes use of the cloud, and it can sync up your desktop with what’s available online. One of the best fully-functional options. However, Quicken for Mac isn’t nearly as good. If you have a Mac, there are alternatives on the list.
One of the few native applications for Apple’s OS X operating system. Since Quicken Essentials for Mac for all intents and purposes has been abandoned, this leaves only applications like Banktivity, Moneydance and YNAB as possible solutions. Out of all of the applications, Banktivity is the most fully featured. In addition, like Quicken for Windows, Banktivity offers mobile synchronization with either your Apple iPad or iPhone.
You can link your accounts online for automatic updates, or you can enter your information manually. Moneydance is the closest thing you’re going to get to Quicken for Macintosh. You can try out Moneydance for FREE for the first 100 transactions. If you are looking for software that works on Apple’s OS X then this is a possible option.
PowerWallet is an online money management tool created to help everyday people rebuild, and secure their finances. It allows users to link all of their accounts to one platform, and then analyzes their expenses to help them build a workable budget. PowerWallet makes recommendations based on your overall financial plans. As a bonus, the program will alert you to discounts based on their interests and spending patterns. If you are looking for a simple but safe budgeting service, this might be the program for you.
Yodlee is the grandfather of personal finance software. In fact many already use them to download your financial data — including Personal Capital, LearnVest, and Fidelity’s Full View. Yodlee MoneyCenter is Yodlee’s answer to Mint, it’s a free service that allows you to link your financial information in one place. It has a great synchronization system, a unique FinApp Center, and a customizable summary screen. If you are looking for a reliable program with the ability to plug in third party apps, Yodlee might be the right service for you.