Best Budgeting Apps and Mint Alternatives

Best Money Management Apps of November 2024

• ATM: Best for comprehensive spending insights and savings tools.
• Klover: Best for financial insights and membership benefits.
• Monarch Money: Best for personalized financial planning and analytics.
• Hiatus: Best for bill management and negotiation.
• Rocket Money: Best for subscription management and bill negotiation.
• YNAB (You Need A Budget): Best for zero-based budgeting and financial discipline.
• PocketGuard: Best for straightforward budgeting and expense tracking.

With the discontinuation of Mint in March 2024, many are searching for effective Mint alternatives to manage their finances. At ATM.com, our mission is to empower you to control of your money. We've carefully evaluated numerous budgeting apps to bring you the best tools for effective money management. Our own app, ATM, integrates top features to help you track your spending and boost your savings. Below is our curated list of the best budgeting apps to help you find the perfect fit for your financial needs.

1. Best for comprehensive spending insights and savings tools

Leading our list is ATM, our very own app designed to help you take control of your finances. The Personal Finance feature of the ATM app offers detailed insights into your spending habits, allowing you to monitor expenses month over month and categorize your spending. With our budgeting tools, you can identify opportunities to save more and set up personalized budgets to achieve your financial goals.

Getting started is simple: download the ATM app, sign up for a free 2-month trial, and link your bank account. After the trial, the Personal Finance membership is just $3.99/month, providing you with features like spending and cashflow insights, budgeting, subscription and bill tracking, low balance alerts, and one monitored account. For even more benefits, upgrade to Personal Finance + for $7.99/month to enjoy unlimited monitored accounts, custom categories, transaction export, and real-time transaction sync.

ATM is dedicated to helping you boost your savings and achieve your financial goals. Whether you're learning how to create a monthly budget or looking to optimize your spending, ATM's Personal Finance feature has the tools you need. Join nearly a million users who are already benefiting from ATM!

Sign up for an account and download the app here

2. Best for financial insights and membership benefits

Klover is a financial app that offers budgeting tools to help you manage your finances effectively. With Klover, you can gain insights into your spending habits and track your expenses, making it easier to create and stick to a budget.

Klover+ is a monthly membership subscription that provides access to a suite of financial tools designed to enhance your financial management. For a monthly fee of up to $4.99, members can access features such as financial advising, real-time price comparisons, credit monitoring, and the ability to redeem points for Amazon gift cards. Membership is optional and can be canceled at any time through the app.

If you're looking for a combination of budgeting tools and financial insights, Klover is worth considering.

Get started with Klover here

3. Best for personalized financial planning and analytics

Monarch Money is a comprehensive personal finance platform that offers personalized budgeting and financial planning tools. With Monarch Money, you can link all your financial accounts to get a complete view of your finances. The app allows you to set custom budgets, track your net worth, and create personalized financial goals.

Monarch Money offers detailed analytics and insights, helping you understand your spending patterns and identify areas for improvement. The app is user-friendly and provides a high level of customization to suit your specific needs.

While Monarch Money offers a free trial, it operates on a subscription model at $14.99/month or $99.99/year - there is currently a promotion for $69.99/year, which equates to $5.83/month. If you're looking for a Mint alternative that offers robust financial planning features, Monarch Money is an excellent option.

Sign up for Monarch Money here

4. Best for bill management and negotiation

Hiatus is a financial app designed to help you manage and reduce your bills efficiently. With Hiatus, you can keep track of your subscriptions, monitor your spending, and receive timely alerts about upcoming bills. The app's bill negotiation feature works with service providers to potentially lower your monthly expenses, aiming to save you money with minimal effort on your part.

In addition to its bill management capabilities, Hiatus offers personalized budgeting tools and financial insights to help you maintain control over your finances. The app is free to download and provides basic features, while premium services are available through subscription plans. Hiatus Premium offers enhanced features for $9.99 per month or $36 per year, with an extended yearly plan available for $48.

For those seeking to reduce expenses and manage bills more effectively, Hiatus presents a practical solution.

Click here to get started with Hiatus

5. Best for subscription management and bill negotiation

Rocket Money, formerly known as Truebill, is a powerful money management app that helps you track subscriptions, manage bills, and monitor your spending. With Rocket Money, you can easily see all your recurring payments in one place and cancel unwanted subscriptions with a tap. The app also negotiates bills on your behalf, potentially saving you hundreds of dollars a year.

Rocket Money provides insights into your spending habits, categorizes your expenses, and helps you set budgets to keep your finances on track. The app offers a free version with basic features, while premium services provide additional functionalities. As a Premium Member, you can access features like unlimited budgets, full credit reports, net worth tracking, and more. The Premium Membership is flexible, with pricing options ranging from $6 to $12 per month, allowing you to choose a plan that fits your budget.

If you're looking for a Mint alternative that excels in subscription management and bill reduction, Rocket Money is a great choice.

Click here to sign up for Rocket Money

6. Best for zero-based budgeting and financial discipline

You Need A Budget (YNAB) is a budgeting app that uses the zero-based budgeting method to help you allocate every dollar you earn. With YNAB, you assign each dollar a job, whether it's for bills, savings, or discretionary spending. This approach encourages mindful spending and helps you break the paycheck-to-paycheck cycle.

YNAB offers real-time syncing across devices, goal tracking, detailed reports, and educational resources to improve your financial literacy. The app provides a free 34-day trial, allowing you to experience its features without commitment. After the trial, YNAB is available for $14.99 per month or $109 per year, offering a cost-effective annual plan that saves you money compared to the monthly subscription.

If you're eager to learn how to create a monthly budget using a proven method, YNAB is an excellent tool. Plus, you can share your subscription with up to five others, making it a great option for families or close-knit groups.

Sign up for YNAB here

7. Best for straightforward budgeting and expense tracking

PocketGuard is a budgeting app designed to simplify your financial life. With PocketGuard, you can easily track your spending, set savings goals, and see how much money is available after accounting for bills and expenses. The app's "In My Pocket" feature shows you how much disposable income you have, helping you avoid overspending.

PocketGuard automatically categorizes your expenses and identifies areas where you can save money. The app offers a free version with essential features, while PocketGuard Plus provides additional functionalities such as unlimited financial accounts, custom categories, and transaction splitting. The subscription is available for $12.99 per month or $74.99 per year, offering a more cost-effective annual plan.

If you're looking for a user-friendly money management app that keeps budgeting straightforward, PocketGuard is a solid choice.

Get started with PocketGuard here

At ATM.com, we're committed to helping you navigate your financial journey with confidence. With the closure of Mint, exploring these Mint alternatives can help you find the right tools to manage your finances effectively. Whether you're looking to track your spending, save more, or achieve specific financial goals, these best budgeting apps offer the support you need. Take the first step towards better money management today!

Please note that the information provided about each app is based on the most current data as of November 2024. Be sure to check each app's terms and conditions for the most up-to-date information.