5 Best Mint Alternatives for Canadians
Mint shut down in Canada. Here are the best replacements — from free budget trackers to full net worth dashboards. Honest pros and cons for each.
Mint was the go-to free finance app for millions of people, including a huge number of Canadians. Then Intuit shut it down and merged users into Credit Karma — which is primarily a credit score tool, not a budgeting app or net worth tracker. If you relied on Mint to see all your accounts in one place, you are probably looking for a replacement.
Here are five alternatives that work well for Canadians, with honest pros and cons for each. No single app is perfect for everyone, so the right choice depends on whether you need budgeting, net worth tracking, or both.
1. Monarch Money
Monarch Money is the closest direct replacement for Mint. It connects to your bank accounts, categorizes transactions, and gives you a budgeting dashboard with net worth tracking built in. It has a clean, modern interface and works in Canada — though Canadian bank coverage is more limited than US coverage. The free plan only covers two linked accounts, and the premium plan runs about $13 USD/month.
- Clean UI — closest Mint experience
- Budgeting and net worth in one app
- Automatic bank syncing
- US-based — data stored on US servers
- Free tier limited to 2 accounts
- Canadian bank coverage can be spotty
2. YNAB (You Need a Budget)
YNAB is not really a Mint replacement — it is a completely different philosophy. Where Mint passively tracked spending, YNAB actively forces you to budget every dollar before you spend it using the envelope method. It is the best budgeting app available, but it is weak on net worth tracking and investment monitoring. There is no free plan, and it costs $14.99 USD/month after a 34-day trial.
- Best-in-class budgeting methodology
- Excellent educational resources and community
- No free plan — $14.99 USD/month
- Weak on net worth and investment tracking
- Limited Canadian bank syncing
3. Wealthica
Wealthica is Canadian-made and connects to over 100 Canadian financial institutions. It is strong on portfolio aggregation — pulling in your bank, brokerage, and pension balances automatically. If you are an investor and want a single dashboard for all your Canadian accounts, Wealthica is excellent. However, it focuses on investments rather than budgeting, and the free tier is limited. Premium runs about $15/month.
- Canadian-made with 100+ Canadian institution support
- Strong portfolio analysis and investment tracking
- No budgeting features
- Requires bank credentials for core features
- Limited free tier — premium is ~$15/month
4. Your bank's built-in app
Most major Canadian banks — RBC, TD, BMO, Scotiabank, CIBC — now offer budgeting and spending insight tools inside their mobile apps. These are free, require no additional setup, and your data stays with your bank. The downside is that they only cover accounts at that one bank, so if you have accounts at multiple institutions you will not get a complete picture. Features are also basic compared to dedicated finance apps.
- Free and already on your phone
- No third-party data sharing
- Only shows accounts at that one bank
- No net worth tracking across all accounts
- Basic budgeting features compared to dedicated apps
5. TrackWorth
TrackWorth is a privacy-first net worth tracker built and hosted in Canada. Instead of connecting to your bank, you enter asset and liability balances manually — which takes a few minutes each month. In return, you never share bank credentials with a third party. It supports 20+ currencies with live exchange rates, includes a FIRE calculator, budget tracking, goal setting, and asset allocation tools. The free tier covers 5 assets and 5 liabilities permanently.
- Canadian-made with data stored in Canada
- No bank login required — privacy-first approach
- 20+ currencies, FIRE calculator, budget tracking, goals
- Permanently free tier — not a trial
- No automatic bank syncing — manual entry required
- No automatic transaction categorization
Quick comparison
| Feature | Monarch | YNAB | Wealthica | Bank app | TrackWorth |
|---|---|---|---|---|---|
| Price | ~$13 USD/mo | $14.99 USD/mo | ~$15/mo | Free | Free tier + Pro |
| Free plan | 2 accounts | No | Limited | Yes | Yes |
| Canadian-made | No | No | Yes | Yes | Yes |
| Bank syncing | Yes | Limited | Yes | Own bank only | No |
| Budgeting | Yes | Excellent | No | Basic | Yes |
| Net worth | Yes | Basic | Yes | No | Yes |
| Multi-currency | USD focus | Yes | Limited | No | 20+ |
| FIRE calculator | No | No | No | No | Yes |
| Privacy (no bank login) | No | Optional | No | N/A | Yes |
Which Mint alternative should you pick?
It depends on what you valued most about Mint:
- If you want the closest Mint experience with automatic syncing and budgeting, try Monarch Money — but note the US data storage and limited free tier.
- If budgeting discipline is your priority and you do not mind paying, YNAB has the best budgeting methodology available.
- If you are an investor who wants automatic portfolio aggregation from Canadian institutions, Wealthica is purpose-built for that.
- If you just need basic spending insights and only bank at one institution, your bank's built-in app may be enough.
- If you want privacy-first net worth tracking with multi-currency support, FIRE planning, and a genuinely free plan, TrackWorth fills the gap Mint left behind.
The reality is that no single app replaces everything Mint did. But the apps available today are better at their specific strengths than Mint ever was. Pick the one that matches your most important need, and you will likely be better off than you were with Mint.
For a deeper dive into Canadian finance apps, see our full guide to the best personal finance apps for Canadians in 2026. You can also read our head-to-head comparisons of TrackWorth vs Wealthica and TrackWorth vs YNAB.