July 23, 2019

Mint Alternatives

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Is there an app better than Mint? Learn how other budgeting apps like Personal Capital, Quicken, Ynab compare (and if they are safe).

Prior to Mint, only paid apps let users see all their financial information in one place. Now you have plenty more options. Read on for a full breakdown of several Mint alternatives.

Personal Capital

Pros

  • Base service with most features is completely free
  • Shows credit, bank, and investing accounts
  • Features retirement goal setting
  • Advanced security measures
  • Available as app

Cons

  • High management fee and account minimum for investment advisor service
  • No budget creation, just a spending breakdown

How it Compares
Personal Capital boasts an integrated dashboard that displays all your linked accounts, down to the individual transaction. It also uses the same level of encryption as the U.S. government.

One of Personal Capital's biggest advantages over Mint are the app's advanced investment tools, such as a target allocation tracker, portfolio recommendations, and more.

The program features the option to set retirement goals, calculating how much money should be saved per month.

Personal Capital's basic service is free to use. An advanced financial planning option available to users with over $100,000 in their accounts costs between 0.49% and 0.89% of the total balance annually.

Who Should Use It

  • Investors who need a detailed snapshot of their accounts
  • Anyone with multiple financial accounts in general

You Need a Budget

Pros

  • Simple interface makes getting started easy
  • Free 34-day trial
  • Gives users access to wealth of resources

Cons

  • Costs $6.99 per month
  • No advanced investing tools

How it Compares
You Need a Budget, or YNAB, concentrates on predicting users' future expenses based on their recurring payments, such as rent and utilities, then creating a suggested budget.

Unlike Mint, which just tracks the money users spent previously, YNAB is forward-looking. Its budgeting plan uses a strategy called "zero-sum budgeting," which makes users account for every dollar within their budget.

Whether those dollars go toward groceries, rent, or savings, every cent is "given a job." The service also offers financial tools, such as daily webinars, with the goal of making users comfortable handling their own money.

The first 34 days of YNAB are free. After that, the service costs $6.99 per month.

Who Should Use It

  • People looking for accountability
  • Those looking to change their spending habits

Quicken

Pros

  • Offers bill pay through program
  • Allows stock portfolio tracking

Cons

  • Expensive initial purchase and subscription
  • Missing or unsupported features on different operating systems
  • Software requires computer download, not just an app

Quicken used to be owned by the same company that now owns Mint, and the similarities are obvious. Both trackers consolidate financial information into one place. But only Quicken allows users with the top two tier-level accounts to pay their bills directly through the application.

The program requires a software download onto an actual desktop or laptop computer, which can be inconvenient to anyone looking for an exclusively phone-based service.

It offers several pricing tiers:

$39.99 per year for a Starter account

$54.99 per year for a Premier account

$79.99 per year for a Deluxe account

$104.99 per year for a Home, Business, and Rental Property account

Quicken's 2019 update changed the program from a one-time purchase lasting three years to an annual online, subscription-based model.

Who Should Use It

  • People who have used Quicken before
  • Those willing to pay top dollar for an all-encompassing software program

EveryDollar

Pros

  • Easy-to-use interface
  • Zero-sum budgeting system
  • Dave Ramsey's seven "baby steps" are built in
  • Free 15-day trial of paid version

Cons

  • Transactions must be manually input in free version
  • Paid version is expensive
  • Only available in U.S. and Canada

How It Compares
EveryDollar is a straightforward budgeting software created by celebrity financial advisor Dave Ramsey.

Along with Ramsey's name comes his signature "baby steps" to financial success, which serve as seven goals built into the app. EveryDollar also uses zero-sum budgeting, which makes users assign every cent they make a use, even if that use is going toward savings.

Unlike Mint, EveryDollar is streamlined, with the goal of making users accountable for their own future spending. Since the program is focused on budgeting, it offers no investment tools.

EveryDollar's basic account is free. To get automation and other financial tools, you'll need to spring for the paid account at $99 per year.

Users of the free version cannot automatically sync their transaction history. They'll need to manually enter each individual transaction.

Who Should Use It

  • People looking to curb their spending habits
  • Those who want to set category-specific budget limits

PocketSmith

Pros

  • Advanced prediction tools project net worth years into the future
  • Basic version is free to use
  • Can link to investing accounts
  • Creates budget calendar that syncs up to real-life online calendars

Cons

  • More expensive than other options
  • Most in-depth versions of tools only available at highest pay level
  • Free version requires manual transaction input

How it Compares
PocketSmith offers a variety of state-of-the-art tools to users who are willing to pay monthly for one of the costliest services on the market.

Similar to Mint, PocketSmith focuses on "forecasting" a user's budget based on their current expenses, income, and spending habits from their linked financial accounts, including investments.

Unlike Mint, this forecast comes in the form of a downloadable calendar that syncs to Google, Android, and Apple devices.

The basic, free version of PocketSmith offers 6 months' worth of financial projections, though it does not include automatic account syncing (users have to enter each transaction manually).

Paying $9.95 or $19.95 per month grants access to up to 10 or 30 years of projections, respectively.

Who Should Use It

  • Budgeters with long-term financial plans

Tiller Money

Pros

  • Automatically files information into Google and Excel spreadsheets
  • Customizable spreadsheets
  • Shows daily feed of user transactions, spending, and balances

Cons

  • Does not support investment accounts
  • Spreadsheets can be confusing to newer budgeters
  • More expensive than sum options

How it Compares
Tiller Money is the ultimate budgeting service for a spreadsheet fanatic. The web-based program divides users' finances into one of several budgeting templates. Users can also create their own templates if they wish.

Tiller Money offers a simpler, more direct organization system than Mint's multiple screens, all of which show different financial accounts. It concentrates on straightforward budgeting without the extra features of some other systems. It offers no investment account tracking.

Tiller is free for the first 30 days and costs $59 per year afterward.

Who Should Use It

  • People who love using spreadsheets

PocketGuard

Pros

  • Can link to bank, credit, loan, and investment accounts
  • Basic app is free to use
  • Automatically builds budget based on income, goals, and bills
  • Allows users to set spending limits

Cons

  • Only available as app
  • Advice may be too simple for advanced users
  • Cash tracking and custom categories only available in paid plan
  • Only available in U.S. and Canada

How it Compares
PocketGuard allows users to plan their monthly budget by tracking spending and allotting money to bills.

Just like Mint, PocketGuard automates the difficult part of budgeting by creating an actual spending limit for every category. The service bases these suggested limits on the user's previous transactions.

The app focuses solely on budgeting. Though PocketGuard does not include many extra features, users can set monthly sending notifications to stay on top of their money without having to open the app.

The basic account is free. A PocketGuard Plus account, which offers the ability to track cash spending and create custom spending categories, is $3.99 per month ($34.99 per year).

PocketGuard is currently only available to users in the U.S. and Canada.

Who Should Use It

  • Anyone looking to simplify their monthly budget

CountAbout

Pros

  • Can import data from Quicken and Mint
  • Reflects all transactions, not just those already processed
  • Free 15-day trial

Cons

  • Only offers automated transaction syncing with paid service
  • No free basic account
  • Does not offer investment tracking
  • Lacks advanced budgeting features

How it Compares
CountAbout is a basic budgeting tool that offers the ability to import data from Mint or Quicken. The app's simple tools are intuitive and accessible to even the newest budgeters.

A basic CountAbout account costs $9.99 per year but doesn't include automatic syncing. Users must manually enter all of their financial transactions.

A premium account costs $39.99 per year with a free 15-day premium trial.

Who Should Use It

  • Users transitioning from Mint or Quicken who want to keep their old data

MoneyDance

Pros

  • In-app bill pay
  • Provides investment tracking
  • One-time payment
  • Locally-stored data keeps users' data on one device

Cons

  • Difficult to import data from Quicken
  • Dashboard can feel overwhelming with too many tools

How it Compares
MoneyDance is one of the only budgeting programs that stores data on the user's computer instead of uploading it online.

The program offers advanced financial tracking and budgeting tools, such as graphing, constantly updating international currency conversion rates, and more. It also supports linking investment accounts.

MoneyDance costs $49.99 once for lifetime access, not including updates. If a user wants a newer version of the program, they will need to purchase the program again.

Who Should Use It

  • Anyone wary of uploading their financial data online to "the cloud"

GoodBudget

Pros

  • Uses zero-sum budgeting to account for every earned dollar
  • Envelope system can help users visualize budget
  • Multiple users can access same budget

Cons

  • Free version only allows one synced financial account
  • No email customer support with free version

How it Compares
GoodBudget uses an "envelope system" to help users see how much money they spend on each expense.

It works similarly to zero-sum budgeting:

  1. Users allot a set amount of money to a category every month.
  2. They add money into "envelopes."
  3. Once that envelope is empty, the user receives a notification.

GoodBudget also lets users share a budget with a roommate or spouse for shared financial planning—a feature which Mint lacks.

The basic version, which only allows one financial account, is free. The premium version, with unlimited synced accounts and envelopes, costs $6 per month or $50 per year.

Who Should Use It

  • Couples or roommates who split household expenses

Bottom Line

Budgeting is an important steps toward full financial freedom. Those looking for help in organizing their finances have several choices.

Features such as zero-sum budgeting and extra investment tools are ideal for some, while others may feel limited or overwhelmed. Most programs offer a free trial period to test out their services. Take your time to find the best one for your needs.

Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

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Mint Review


Personal Capital vs Mint


Best Budgeting Software

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