Mint shut down March 2024
Best Mint alternatives for Canadians in 2026
Intuit shut down Mint and pointed users to Credit Karma. But Credit Karma does not do Mint-style budgeting. So former Mint users in Canada are still looking for a real replacement. Here is the honest landscape, Canadian options first.
The quick picks
- Monvo: best if you want answers, not another dashboard. Reads your transactions and tells you the exact money move.
- Wealthsimple: best free-ish all-rounder. Investing, banking, and tax in one Canadian app.
- KOHO: best for daily spending rewards. Prepaid Mastercard with cash back and interest.
- Neontra: the Canadian budgeting app. Custom budgets and net worth tracking, made by TXIO in Canada.
- Monarch Money: the polished US dashboard. Beautiful, but billed in USD and US-first.
- YNAB: the budgeting method. Powerful if you want hands-on control, billed in USD.
- Credit Karma Canada: the official Mint successor. Free, but no real budgeting.
Monvo
Monvo is built for the person who looked at Mint's charts and thought: just tell me what to do. Connect your bank accounts and Monvo reads your transactions, then gives you specific, dollar-figure recommendations. Cancel this subscription. Move this idle cash to a HISA. This card balance is costing you interest. It is built for Canadian accounts from the start: TFSA, HISA, GIC, FHSA. Free tier available, or CA$15/mo (CA$12/mo billed annually). 14-day trial on the paid plan. You can even try it without connecting a bank, through the free calculator or a statement upload.
Wealthsimple
Canada's biggest online money app. Commission-free self-directed trading, a Cash account with no monthly fee that pays interest, and free tax filing. Genuinely Canadian. The catch for former Mint users: Wealthsimple is a bank and brokerage, not an advisor. It holds your money and shows you clean data. It does not tell you what to do with it.
KOHO
A Canadian fintech spending account with a prepaid Mastercard. Up to 2% cash back on groceries, eating out, and transportation, plus interest on your balance up to 3.5% on the top plan. Plans run from $0/mo (Essential, with direct deposit conditions) to $14.75/mo (Everything), all with a 30-day free trial. Great for daily spending. Not an advisor: it does not look at your other accounts or recommend money moves.
Neontra
The closest thing to a Canadian Mint replacement in the budgeting category. Made by TXIO in Canada, syncs with Canadian and US financial institutions, works in English and French. Custom budgets, goal setting, forecasting, net worth tracking. There is a limited free plan. It has a small public footprint so far. And like every budgeting app, you still do the thinking: you build the budget and decide what changes.
Monarch Money
The most polished dashboard in the category. Net worth tracking, cash-flow charts, flexible budgets, household sharing. $99.99 USD/yr. The problems for Canadians: it is US-first, so Canadian bank connections are less reliable, and you pay in USD. And it is a dashboard, not a decision. You still interpret the charts yourself.
YNAB
The zero-based budgeting method with a loyal following. Every dollar gets a job. It works, but it is work: you manually assign and maintain your budget every month. $14.99 USD/mo. US-first, billed in USD.
Credit Karma Canada
Where Intuit sent Mint users. Free. Shows your linked accounts, transactions, and credit score. But Credit Karma has said plainly it does not offer Mint-style budgeting. If budgeting was what you used Mint for, this is not your replacement.
Comparison at a glance
| Monvo | Wealthsimple | KOHO | Neontra | Monarch | YNAB | Credit Karma | |
|---|---|---|---|---|---|---|---|
| Tells you the specific move to make | Yes | No | No | No | No | No | No |
| Built for Canadians (TFSA / HISA / GIC / FHSA) | Yes | Yes | Spending only | Canadian-made | US-first | US-first | Partial |
| Bills in CAD | Yes | Yes | Yes | Yes | No, USD | No, USD | Free |
| Subscription detection | Yes | Not advertised | Not advertised | Not confirmed | No | No | No |
| Free plan or trial | Free tier + 14-day trial | Free core accounts | Free Essential* + 30-day trial | Limited free plan | No free plan | 34-day trial | Free |
*KOHO Essential is $0/mo with direct deposit conditions.
Common questions
What is the best Mint alternative for Canadians?
It depends on what you miss about Mint. If you want answers instead of charts, Monvo. If you want investing plus banking in one free-ish app, Wealthsimple. If you want a budget you build yourself, Neontra is the Canadian option and YNAB is the established method.
Is there a free Mint alternative in Canada?
Credit Karma Canada is free and is where Intuit sent Mint users, but it does not do budgeting. Wealthsimple's core accounts are free. KOHO's Essential plan is free with direct deposit. Monvo has a free tier and a 14-day trial of the paid plan.
Why did Mint shut down?
Intuit shut down Mint on March 23, 2024 and folded users into Credit Karma. Mint's budgeting features did not make the move.
Do any Mint alternatives bill in Canadian dollars?
Yes. Monvo, Wealthsimple, KOHO, and Neontra are Canadian and price in Canadian dollars. Monarch Money and YNAB bill in USD, which means exchange fees on top of the subscription.
Which Mint alternative tells me what to do with my money?
Monvo. The others track it, organize it, or hold it. Monvo reads your transactions and recommends the specific move: the subscription to cancel, the idle cash to move, the balance costing you interest.
See what Monvo tells you, free
No login needed. Drop in a few numbers and see what your money is quietly costing you.
Comparisons reflect our understanding of each product as of publishing and may change. See something inaccurate? Let us know.