Mint Is Gone: 5 Alternatives for Tracking Subscriptions in 2026
In March 2024, Intuit officially shut down Mint and migrated users to Credit Karma. For millions of people who used Mint to track recurring subscriptions, the migration felt like a downgrade — Credit Karma's subscription view is shallow and ad-heavy. Two years on, here are the five best alternatives for subscription tracking specifically.
Why Mint's Departure Still Matters in 2026
Mint was the default for a generation of US users. Its absence created two problems: where to track subscriptions, and who to trust with the data. The CFPB's guidance on recurring payments emphasizes visibility — but visibility doesn't require handing your transaction history to an aggregator.
1. Subscription Freedom — Privacy-First, No Bank Link
The closest tool to "what Mint did for subscriptions, without the bank link." Detection runs on forwarded email receipts and manual entry. Free tier covers 5 subscriptions; Pro removes the cap. Includes 30/7-day renewal reminders and cancellation guides.
2. Monarch Money — Closest "Mint Successor"
Founded by ex-Mint engineers, Monarch is the spiritual successor for full personal-finance management. Bank-linked, paid, but well-built. Overkill if you only care about subscriptions.
3. Copilot Money — Apple-Only, Polished
Copilot is iOS/macOS only and beautifully designed. Bank link required. Strong recurring-detection logic but priced as a premium app.
4. YNAB (You Need A Budget)
Not a Mint replacement — a philosophy change. YNAB makes you allocate every dollar, which naturally exposes subscription bloat. Subscription tracking is a byproduct, not the focus.
5. Credit Karma (the Intuit Successor)
Where Mint users were migrated. Free, but subscription tracking is buried and ad-supported. Worth knowing about, hard to recommend.
What to Pick
- Subscriptions only, privacy-first: Subscription Freedom
- Full PFM replacement: Monarch Money
- Apple ecosystem: Copilot Money
- Behavior change: YNAB
For a deeper look at why people are moving away from bank-linked apps in 2026, see our post on privacy-first subscription management.