Best Mint Alternatives for Subscription Tracking in 2026

When Intuit shut down Mint in March 2024 and funneled users toward Credit Karma, millions of people lost the free budgeting tool they'd relied on for years. Credit Karma never replaced Mint's budgeting and subscription features, so the search for Mint alternatives is still going strong in 2026 — especially for one specific job Mint did well: showing you every recurring charge in one place.

This guide focuses on that job. If you mainly used Mint to keep an eye on subscriptions, here's where to go now.

What made Mint useful for subscriptions

Mint linked your accounts and automatically surfaced recurring charges, all for free. That combination — automatic and free — is rare, which is exactly why its shutdown left such a gap. Any replacement has to make a trade-off somewhere: pay for automation, do some manual entry, or accept a narrower feature set.

Understanding that trade-off is the key to picking well. Here are the strongest options, grouped by what you're optimizing for.

For focused, private subscription tracking: Subgrove

If Mint's subscription list was the part you actually used, a dedicated tracker will do that job better than a sprawling budgeting app. Subgrove is a manual subscription tracker: you enter your subscriptions once (about two minutes for ten), and it handles the rest — renewal push notifications, a calendar view of what's coming, true monthly cost across weekly/monthly/yearly/custom cycles, and full offline support.

Because it doesn't link your bank, there are no credentials to share and no financial data to aggregate or sell — a real contrast with free bank-linked apps, which typically monetize your data somehow. It's a PWA, so it runs on iPhone, Android, and desktop from one login. Free for up to five subscriptions; Pro is $1.99/month, $10/year, or a one-time $15 for lifetime access. The honest limit: it won't auto-detect charges the way Mint did — you add them yourself.

For full budgeting: Monarch Money

Monarch has become the go-to Mint replacement for people who want the whole picture — budgets, net worth, goals, and bank syncing across every platform including web. It's around $14.99/month or $99.99/year. It's not free like Mint was, but it's the most complete like-for-like successor, and its subscription detection comes bundled with genuine budgeting depth.

For a budgeting method: YNAB

If Mint never quite changed your habits, YNAB might. Its zero-based approach makes you assign every dollar a job. Around $15/month or $109/year, cross-platform, with a learning curve that pays off for people who stick with it. Subscription tracking is a side effect rather than the point.

For automatic subscription detection: Rocket Money

Rocket Money is the closest to Mint's "it just finds them" magic for subscriptions specifically. Free basic tier, Premium at a pick-your-price $7–14/month. It links your bank, flags recurring charges, and offers to cancel or negotiate bills. It's US-focused and needs credential access, but if hands-off detection is what you miss most, this is it.

For total control: a spreadsheet

Plenty of former Mint users just moved to a spreadsheet. It's free, private, and portable, and for a modest number of subscriptions it's perfectly workable. The trade-off is no reminders and manual date math — see our spreadsheet template guide to set one up properly.

Quick comparison

Tool	Auto-detects subs	Bank linking	Price	Best for
Subgrove	No (manual)	No	Free / $15 lifetime	Private, focused subscription tracking
Monarch	Yes	Yes	~$100/yr	Full Mint-style budgeting
YNAB	Partial	Yes	~$109/yr	Budgeting method
Rocket Money	Yes	Yes	Free / $7–14/mo	Auto-detection + cancellation
Spreadsheet	No	No	Free	Total control

The honest takeaway

There is no free, automatic, do-everything Mint clone in 2026 — that specific combination died with Mint. So decide what you valued most. If it was the full budget, Monarch is the closest paid successor. If it was simply never being surprised by a subscription, a focused tracker does that better and cheaper — Subgrove is free to start and takes a couple of minutes to set up. Start there, and add a heavier budgeting tool later only if you find you need one. If you want a broader roundup, see our guide to the best subscription manager apps.