Best Mint Alternatives for Subscription Tracking (2026)
At a glance
| Fact | Answer |
|---|---|
| Options compared | 5 |
| Top pick | LemSubs |
| Top pick pricing | Free tier, Pro $14.99/mo ($10/mo annual) |
| Best for | Ex-Mint users who want dedicated subscription tracking |
| Free option | LemSubs (Free tier, Pro $14.99/mo ($10/mo annual)) |
| Category | Budget & Finance Apps |
Data last updated 2026-08-13. Checked by the LemSubs research team.
With Intuit shutting down Mint in early 2024, millions of users lost their go-to tool for tracking subscriptions alongside their budget. While Credit Karma absorbed some Mint features, subscription tracking took a back seat.
Here are the best alternatives that put recurring charges front and center.
The shortlist
| Tool | Pricing | Best for |
|---|---|---|
| LemSubs | Free tier, Pro $14.99/mo ($10/mo annual) | Ex-Mint users who want dedicated subscription tracking |
| Monarch Money | $14.99/mo or $99.99/yr | Users wanting a full Mint replacement |
| Copilot Money | $14.99/mo or $95/yr | Apple users wanting full finance tracking |
| YNAB | $14.99/mo or $99/yr | Serious budgeters |
| Credit Karma | Free | Users who mainly used Mint for credit scores |
LemSubs
Purpose-built subscription tracker that fills the gap Mint left — without requiring bank credentials or a $15/mo commitment. Tracks insurance, leases, household splits and per-seat SaaS too.
Strengths: Built specifically for subscriptions; No bank access needed; Insurance, lease, household & seat tracking built in; Zombie digest emails flag unused subs; Renewal & refund window alerts; Team support for shared households; Free forever tier.
Trade-offs: Not a full budgeting app; Newer platform.
Pricing: Free tier, Pro $14.99/mo ($10/mo annual).
Monarch Money
Premium budgeting app that replaced Mint for many users, with bank syncing and subscription views.
Strengths: Full budgeting; Bank syncing; Clean design; Subscription view.
Trade-offs: $14.99/mo minimum; Requires bank access; Subscription tracking is secondary.
Pricing: $14.99/mo or $99.99/yr.
Copilot Money
Beautiful iOS budgeting app with bank syncing and recurring transaction detection.
Strengths: Gorgeous design; Auto-detects recurring; Good categorization.
Trade-offs: iOS/Mac only; $14.99/mo; No dedicated sub features.
Pricing: $14.99/mo or $95/yr.
YNAB
Zero-based budgeting app that helps you assign every dollar a job.
Strengths: Proven methodology; Great community; Bank syncing.
Trade-offs: $14.99/mo; Steep learning curve; Not subscription-focused.
Pricing: $14.99/mo or $99/yr.
Credit Karma
Free credit monitoring with basic spending tracking — Mint's official successor.
Strengths: Free; Credit monitoring; Mint data migration.
Trade-offs: Minimal subscription features; Ad-supported; Not a tracker.
Pricing: Free.
What to Look For in a Mint Alternative
- Subscription focus: Is it built for recurring charges or is it an afterthought?
- Cost: Mint was free — what's the ongoing cost of the replacement?
- Privacy: Do you need to share bank credentials?
- Alerts: Will it warn you about upcoming renewals or price increases?
- Analytics: Can you see spending trends over time?
Frequently asked questions
What happened to Mint?
Intuit shut down Mint in March 2024, migrating users to Credit Karma which lacks dedicated subscription tracking.
Do I need a full budgeting app just to track subscriptions?
No. A dedicated tracker like LemSubs is lighter, faster, and purpose-built for recurring charges — without the complexity of zero-based budgeting.
Can I track both personal and business subscriptions?
Yes — LemSubs supports categories, tags, and team workspaces to separate personal from business spending.