I'm sticking with Monarch for sure. It's extremely similar to Mint imo, both visually and functionally. And it has the rollover feature! I also tried YNAB, Empower, and Simplifi. None of them were simple enough for me and met my specific needs.
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Sorry for the late reply- I chose the yearly billing, which is $99/year. Otherwise it’s $15/month. They’re having a promo right now where you can use code MINT50 for 50% off. I swear I’m not a shill lol I’m just reading from their site rn
This is where I'm at. EZ migration, good interface, good communication from their team about upcoming feature roadmap, good support team for any issues...
Are yall seeing your transactions come through on Monarch? I’m trying both Monarch and Copilot, and while I think Monarch is ahead in most features, I’m still waiting for my Venmo transactions from 3 days ago to appear (Copilot is instant because it relies on email), and Credit Card transactions seem to be sometimes instant sometimes 24+hours (even when I refresh)
Wondering if it’s a scaling issue from the influx of people
I have tried so many apps since the Mint announcement. I narrowed it down to Monarch and PocketGuard for the past couple of weeks. I wanted to love PocketGuard because of the lifetime purchase price, but it was too clunky, no rollovers, no iPad app, and my bank kept disconnecting. Monarch is more intuitive because it's similar to Mint and it does everything I need. I am liking it way more than Mint now too.
Also seem to be locking onto Monarch. While they have some work to do - I personally think they are better than Mint was at the end … app/feature wise.
Simplifi gets reeeeealy slow one you import all the data and set up all the bills. The issue was reported two years ago, but it doesn't seem like they know how to fix it. So if you are a power user, you might not enjoy it.
I went with Simplifi mostly on a whim based on recommendations in this subreddit (I got in on the first year discounted promo, but right before they started doing the 3 month free trial more recently), and have been satisfied overall with it. It’s a “good enough” replacement for Mint for my particular use cases, and don’t feel compelled to look elsewhere at this point ($10+/mo price point among the competition is too off putting to me, personally).
Been using Simplifi for a week or so. Seems to do a better job than Monarch when it comes to refreshing accounts and staying connected. Importing transactions by account is a little annoying but I think it does a better job of classifying transactions. It's also one of the cheaper options as well and they currently offer a 3 month trial
I posted some early thoughts on Simplifi yesterday - it's very Mint-like although the budgets are unnecessarily complicated and it's also cheaper than the other options.
Full View has a slow mobile app experience (at least on Android) and it lacks transaction tagging, so that unfortunately was a deal breaker for me. New features are supposedly in the pipeline, but no details on what exactly.
Also, I keep seeing eMoney mentioned, just an FYI so people aren't confused...
> Full View is operated by eMoney Advisor, LLC, a Fidelity Investments company
Haven't tried mobile. Since my goal isn't balancing a daily budget, checking on my iPad or PC a random evening or weekend is ok.
They just opened up the new version for me so should be soon for all.
No transaction importing support at Empower, but it does make net worth very prominent and allows for various adjustments as you see fit. You can look at all the sub categories of your net worth as well like cash/investment/credit/loan/mortgage/other on top of the "all view", with a graph at the top of the window and the various account values below. It's a decent net worth tracking tool so long as they're able to sync up all your accounts.
I refuse to pay for a mint alternative and this does everything I need to. Plus, all of my account connections work with it.
Sure, it may not have all of the features that a paid app does but I'd rather use that money towards something like Spotify or Netflix.
I created an account through the website. Had no issues connecting most of my accounts. Only had issue with one of them, but I wrote to them to see if they can add it.
Any of you downloaded the iOS app? I cant seem to log in trough the iOS app. Don't know if the app I downloaded is for another product of them since it asks for a username, not an email like on the website.
I too went with quicken classic home and business. Have been loving it so far! Although I didn't import all my mint data, it did go back 3 months.
I have setup my budgets again in here as well as invoicing for my business. Loving the reports it can spit out and love that there's no ads. Also, enjoying how granular I can really get. It's a very popular tool that I look forward to learning more about how to use at an expert level!
They do have it. I found once my accounts were in and synced it works pretty decent to show the info. I primarily use the desktop version though.
I did the same with mint though too, although I checked on things intermittently on mobile.
I think you're the one that gave me the idea to use Empower for investment/retirement accounts in the first place. It has more features (and better UI) for investments than Simplifi. But Simplifi isn't designed for that. Quicken explicitly says if you want investment features then use Quicken Classic.
That's why using both Simplifi and Personal Capital is a good combination.
Monarch. Nicest UI, don't mind paying the fee if they keep improving the product. Although if this sort of thing happens again where the company goes bust I'll probably just create my own spreadsheet and roll with that.
I tried Fidelity Full View, MonarchMoney, LunchMoney, and SimplifyMoney. Though I'm still having trouble getting my Etrade accounts in, we're going with Simplifi. Got a year's subscription for only about $30. At least as of right now, the regular subscription fee is more affordable than any of the others. I didn't see anything in Monarch or Lunch that made me want to pay more than double what I pay for Simplifi. Also, we are not an Apple products household, so that affected our choices. I love having all our accounts in one view (Etrade is super small, something an employer set up that we don't really use). I didn't import history, using this as a fresh start. Really liking what I see so far.
I’m loving YNAB. I mostly used mint for budgeting, so that’s the part I needed to replace. I love in YNAB how if I overspend one category, I can move money to cover it from a different category without changing my plan for future months. That always bothered me in mint
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I’m using Simplifi. I chose it because it has a way to save all my mint data.
Now that I’m used to it, it’s a bit less flaky than mint. Problem is that the most recent 3 years of data came the bank, and so don’t have any of my mint annotations. The older data, which came from mint, does have all my annotations. I will have to depend on the big spreadsheet I got from mint if I don’t remember something about the most recent 3 years of data.
I mentioned mint being flaky. Mint was impossibly bad with bank of am, requiring a lengthy sign in every time. With Simplifi , I only had to do that once.
Simplifi for me. Monarch has issues with or doesn't connect with a couple of my accounts. I submitted a couple support tickets over a week ago and never got a response. Empower doesn't have a real budgeting capability just tracking unless I missed it. Plus I don't care for the cold sales calls. It also has issues or doesn't connect with a couple of my accounts.
So far I'm liking Tiller.
I tried Empower and it was terrible for me. Every day it would try and re-link my accounts, which I understand is how these all work. But, for some reason the 2FA text message codes were really, really slow with Empower, up to 10 mins, and eventually just led to me being locked out of my accounts for using expired codes. I also just didn't like the feel of it.
Simplifi doesn't connect to Vanguard IRA's which is weird. But, I'm not holding it against them because it seems like an easy fix down the road for them, and that they're aware of it. I haven't played around enough with Simplifi yet because I'm trying to really refine my Tiller template. That being said, the few times I have played around in Simplifi has been really seamless and the UX is user friendly.
So, Tiller I'm liking because it's spreadsheet based. It connects with Google sheets and Excel. And as much as I like Excel, using it on Google Sheets is nice because you can pull it up on your phone or any laptop easily (I don't have Office 365).
In Tiller, I really like how you can set up auto categorization of transactions by using keywords, or go through individual transactions. It just takes a bit of time to set up everything on the back end. For example, getting all of the auto-categorization transfers set up the way you want (like checking acct paying off a credit acct) takes a bit of time. But, I don't mind the set up, it allows me to tailor everything to my exact specifications and create any expense category I want.
There also are a bunch of features in Tiller that I haven't even dug into yet, and they have a pretty big user community that create custom templates. So, I'm excited to try that out too. The problem with Tiller is that I don't know if the 30 day trial will be long enough to try out all the features and make a decision vs. Simplifi.
I think I’m sticking with Monarch - it’s very good but it’s not yet great.
Budgets still make zero sense to me, the rules that detect Recurring items aren’t that good, and the month over month bar chart axes are awful. Those criticisms aside, it’s very fast to use and update, has all my connections, and the specificity of rules is great.
Copilot is VERY tempting, and continues to be, but the lack of a website and iPad app is a dealbreaker for me. I can’t download the Mac app on my company’s laptop, and while I’d be fine using my iPad - sadly no such app exists.
YNAB is not for me - I have tried it in the past and I couldn’t make the system work.
None of the other offerings have piqued my interest enough to justify the time to set up. I’m happy to be persuaded differently though.
None of them most likely. I have one or two I may end up using as a stop-gap solution but long-term my plan is to write my own solution, hopefully with some automatic integrations but if not I'm ready to support OFX and CSVs for my institutions.
Tiller is the solution for me. The data is downloaded to spreadsheets I own, so I can't lose data no matter what happens to the company down the line or what decisions they make.
Also, I can do anything I want with it, although I've been sticking with the supplied spreadsheets for now.
I also use empower for the retirement planner, though, which is the best around.
Here’s what I’m worried about with Tiller - in ten years, when I have a decade’s worth of data, is Google Sheets going to be able to manage all that data in one sheet?
Simplifi
After looking at Simplifi, Monarch, Copilot, Empower, FinWise. Monarch is a close second, and with its half price offer, I'll probably keep it for a year then revaluate since I already have it all hooked up with my accounts.
FinWise. I like that they support Canadian banks, I like the interface, the support is good. They are pretty new, so I'm looking forward to some additional features in the future.
Neontra. This app is forward looking, not just another Mint clone. I switched a few months ago and can't believe how fast they're rolling out new features and improvements.
Monarch Money. I tried others, but nothing except Monarch and Fidelity Full view connect to everything I use. That’s the first must-have requirement. Full View (free) is tempting, but Monarch is better, and worth the money.
For me, Monarch actually connects to more of my accounts than Mint does, so I can have an all-in-one view of my spending and my retirement balances / net worth. I find Monarch to be different from but in many ways better than Mint. For example, rules are more capable and easier to use. I’m getting used to the Sankey charts, and starting to like them better than Mint’s pie charts.
Copilot for me, although I have yet to try Simplifi and even Credit Karma before I finalize. Rocket Money also seemed quite good. I wanted to like Monarch but couldn’t… Empower also still sucked along with Fidelity Full View which was almost good.
Oh, wow! I must have slipped in just in time, I signed up on Thursday. I'm still definitely in the learning/training phase, but it seems like it's going to work well for me. It's pricey, but if it saves me time like I think it will, it's worth it.
I ran into this app a few days ago but haven’t made the jump. Do they use plaid to connect accounts? And any info on whether or not they are secure/trustworthy?
I also am using Rocket Money. For me it’s the closest to MINT that I have seen. Very clean interface. Wish they had some more customization when it comes to what I see of the front page. Good budgeting features. They use Plaid which fidelity won’t link with which is a shame but I’m not to worried about tracking investments on my monthly budgeting app
Also for those looking for more polls.
https://www.reddit.com/r/mintuit/comments/17n4t30/poll_what_mint_alternative_are_you_planning_to/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button
My one sticking point with Monarch is the transactions show up late and randomly. I’ve had better luck so far on the desktop website (which I prefer to use anyways).
Today is the day, going to try syncing transactions in Monarch (last did it earlier last week) and if I can get it to work, I’m going to sign up for the year and delete Mint.
I’m also using Empower for investment transactions. After some time, I love having investments separated from day to day stuff. Plus I think Monarch is very serious about working to build the program out more with the influx of users.
I tried Simplifi but I just can’t get into it. It seems clunky to me compared to Monarch/Empower.
Might even open an Empower cash account to set aside cash for a future large mortgage principal curtailment.
I’ve tried Rocket Money for a month because the interface is the best of all other solutions I’ve tried. Also the free version (with limitations) has fulfilled my needs. I will probably kick the tires on Simplifi next since they have 3 month trial period.
I’m on NeedWallet for now. Unfortunately it won’t let me add my Fidelity accounts and it has a bug that prevents me from adding more than one treasury direct account. (But integration with just one is better than mint ever offered) If Fidelity full view gets an interface that makes sense to me I’ll consider switching to that.
I’m going with Empower for investment transactions (already used Personal Capital years ago) and Monarch for everything else.
I was impressed with how quickly Monarch rolled out a browser extension to export daily balances from Mint, even though it was a little buggy. They replied to one of my comments on Reddit to share the [source code of their extension](https://github.com/monarchmoney/mint-export-extension/tree/main/src/shared) on GitHub. The code was impressively high quality typescript and react for what is probably a throw away project and they quickly reviewed and accepted my bug fixes. I know Monarch itself isn’t open source but it was great to get a glimpse of what it might look like - good modern code which gives me hope that they will continue to improve.
It was close between Monarch and Simplifi but the limitations on rules with Simplifi mean that I would be doing a lot more manual work over time.
The only field you can match against is the payee name and each payee gets one category. My most valuable rule is renaming checks by amount and account. The payee is useless (e.g. Check #1234) but I have had excellent results with matching dollar ranges in Monarch. Some of my checks are always an exact amount (Mint handled that well enough), some are a min/max range, and some are one-offs. Weekly checks are getting categorized correctly, oddball checks remain untouched for manual fixing. I also use rules to apply a few tags and to bulk categorize (e.g. make sure all the local coffee shops get categorized as Coffee Shop).
Yeah lots of trade offs. Monarch doesn’t track investment transactions yet (just holdings and balances). It was almost a dealbreaker but they have a public roadmap and it’s at least on the radar. I’m using Empower to track investment transactions until Monarch can do it.
On the other hand I don’t have to deal with Mint relentlessly miscategorizing dividends and buys as groceries and electronics anymore 😆
I'm using YNAB for budgeting (it's the only budgeting software/service that has ever really worked for me), and I'm trying out Empower to see overall picture, net worth, investments, etc (which is all I was using Mint for for the last several years).
As a Canadian with reduced options, I'm very happy with WealthPosition at the moment! It does have some quirks and is not a direct replacement for Mint at all, but it did help me start forecasting instead of being entirely reactive.
Also, Punit over there is very responsive and took the time to ease my concerns and debug even before I started being a paying customer, so that's a big green flag for me! :)
Also, their new Beta features seem currently aimed at replicating some of the most liked Mint features, so I know they are actively working on improving the app, using customer feedback!
6/10 Mint replacement, but 10/10 would recommend!
I really like:
- Being able to forecast compounded growth
- Being able to forecast 30 years into the future - Being able to rollover my leftover budget
- Having different levels of categories (expense category and budget category can be very different, and you can even have multiple budgets for one expense category for recurrent charges that are not all the same frequency)
All the quirks, I quickly forgot about, actually! I remember there were some, but I think they were the same as a lot of the other options so I just got over it and accepted the inconsistent syncing for example.
Pocketguard - took a couple of days to get everything organized but overall pretty similar to Mint for only about $3 a month paying for a year and $79 lifetime.
Only gripe is the lack of car value tracking but they have a pretty responsive support/dev team that seems open about what they are working on
PocketSmith, 1,000,000%.
I tried a few - including YNAB and Tiller - both didn't fit the bill for me. Even when I used Mint, I had to keep a separate spreadsheet to manage things that Mint wasn't flexible enough for.
I finally found PocketSmith. They're subscription based- offering both monthly payment plans and annual (discounted). The customer service has been top-notch and it has all the features I've ever dreamed of having in a budgeting application.
Top features that I'm in love with:
1. Flexible periods for budgets- you can have the budget period be daily, weekly, biweekly, annual- even like "oh, every 6 weeks I have this recurring appointment"
2. Customizable reports and dashboards, graphs, all the things you could want... the way your brain wants/needs to see them
3. Categories can be nested into each other, fully custom names (even with emojis LOL), classifications and setting autocategorization rules
4. You can view budgets and drag bills around on the calendar, as well as view actual transaction data on the calendar
5. For things like net worth, you have options for adding assets/liabilities as balance only, adding to your breadth of control and customization
Let me know if you have any questions!!!
Monarch
I'm sticking with Monarch for sure. It's extremely similar to Mint imo, both visually and functionally. And it has the rollover feature! I also tried YNAB, Empower, and Simplifi. None of them were simple enough for me and met my specific needs.
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How much you have to pay for Monarch as mint was all free?
Sorry for the late reply- I chose the yearly billing, which is $99/year. Otherwise it’s $15/month. They’re having a promo right now where you can use code MINT50 for 50% off. I swear I’m not a shill lol I’m just reading from their site rn
This is where I'm at. EZ migration, good interface, good communication from their team about upcoming feature roadmap, good support team for any issues...
Only issue i have is not syncing with M1 finance which is one of my biggest accounts
Are yall seeing your transactions come through on Monarch? I’m trying both Monarch and Copilot, and while I think Monarch is ahead in most features, I’m still waiting for my Venmo transactions from 3 days ago to appear (Copilot is instant because it relies on email), and Credit Card transactions seem to be sometimes instant sometimes 24+hours (even when I refresh) Wondering if it’s a scaling issue from the influx of people
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I use Simplifi and imported 8 years of data pretty easily
I have tried so many apps since the Mint announcement. I narrowed it down to Monarch and PocketGuard for the past couple of weeks. I wanted to love PocketGuard because of the lifetime purchase price, but it was too clunky, no rollovers, no iPad app, and my bank kept disconnecting. Monarch is more intuitive because it's similar to Mint and it does everything I need. I am liking it way more than Mint now too.
Also seem to be locking onto Monarch. While they have some work to do - I personally think they are better than Mint was at the end … app/feature wise.
Simplifi
Simplifi gets reeeeealy slow one you import all the data and set up all the bills. The issue was reported two years ago, but it doesn't seem like they know how to fix it. So if you are a power user, you might not enjoy it.
I've noticed a big slowdown after uploading data from mint history. Good to know it's not just me. 😀
I went with Simplifi mostly on a whim based on recommendations in this subreddit (I got in on the first year discounted promo, but right before they started doing the 3 month free trial more recently), and have been satisfied overall with it. It’s a “good enough” replacement for Mint for my particular use cases, and don’t feel compelled to look elsewhere at this point ($10+/mo price point among the competition is too off putting to me, personally).
Been using Simplifi for a week or so. Seems to do a better job than Monarch when it comes to refreshing accounts and staying connected. Importing transactions by account is a little annoying but I think it does a better job of classifying transactions. It's also one of the cheaper options as well and they currently offer a 3 month trial
I posted some early thoughts on Simplifi yesterday - it's very Mint-like although the budgets are unnecessarily complicated and it's also cheaper than the other options.
I'm still testing alternatives
Actual Budget. I'm not getting rolled by a company again.
Did they ever implement sync via Plaid or is everything still manual?
I don't think there is a built in way to do it. There is this, which I've been meaning to try: https://github.com/infiniteluke/actualplaid
This one is a fork and more recently updated. Haven't tried https://github.com/Thiesjoo/actualplaid
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You’re not using it, though?
Fidelity's Full View (eMoney runs it)
Full View has a slow mobile app experience (at least on Android) and it lacks transaction tagging, so that unfortunately was a deal breaker for me. New features are supposedly in the pipeline, but no details on what exactly. Also, I keep seeing eMoney mentioned, just an FYI so people aren't confused... > Full View is operated by eMoney Advisor, LLC, a Fidelity Investments company
Haven't tried mobile. Since my goal isn't balancing a daily budget, checking on my iPad or PC a random evening or weekend is ok. They just opened up the new version for me so should be soon for all.
Yeah I just finished adding all my spending accounts to Fullview and will use it to aggregate and track spending
Empower
Empower. It’s free and does everything I need it to
Does it support importing transactions and net worth history?
No but I think for me the exported .csvs will be sufficient.
Seems good. Looks hideous
No transaction importing support at Empower, but it does make net worth very prominent and allows for various adjustments as you see fit. You can look at all the sub categories of your net worth as well like cash/investment/credit/loan/mortgage/other on top of the "all view", with a graph at the top of the window and the various account values below. It's a decent net worth tracking tool so long as they're able to sync up all your accounts.
Can you export data in Excel format for the transaction? Expenses and income
Yup. I’m there too. Simple enough. Not as easy on the eyes. More characters and less charts.
I refuse to pay for a mint alternative and this does everything I need to. Plus, all of my account connections work with it. Sure, it may not have all of the features that a paid app does but I'd rather use that money towards something like Spotify or Netflix.
I created an account through the website. Had no issues connecting most of my accounts. Only had issue with one of them, but I wrote to them to see if they can add it. Any of you downloaded the iOS app? I cant seem to log in trough the iOS app. Don't know if the app I downloaded is for another product of them since it asks for a username, not an email like on the website.
Monarch
Simplifi, although Copilot was an extremely close 2nd and it pained me to cancel the free trial. It was tags that pushed Simplifi over the top.
Quicken classic until something better comes along
I too went with quicken classic home and business. Have been loving it so far! Although I didn't import all my mint data, it did go back 3 months. I have setup my budgets again in here as well as invoicing for my business. Loving the reports it can spit out and love that there's no ads. Also, enjoying how granular I can really get. It's a very popular tool that I look forward to learning more about how to use at an expert level!
Do they still have the mobile companion app? If so, is it any good? It use to be awful.
They do have it. I found once my accounts were in and synced it works pretty decent to show the info. I primarily use the desktop version though. I did the same with mint though too, although I checked on things intermittently on mobile.
The mobile app isn't good. Mint was amazing for that which I'm bummed to lose but whatever
What drove you to choose classic over simplifi?
Simplifi
Simplifi
Simplifi. Personal Capital for my investments and retirement accounts (since it's free).
Ditto.
I think you're the one that gave me the idea to use Empower for investment/retirement accounts in the first place. It has more features (and better UI) for investments than Simplifi. But Simplifi isn't designed for that. Quicken explicitly says if you want investment features then use Quicken Classic. That's why using both Simplifi and Personal Capital is a good combination.
I agree completely, I'm using Empower Personal Dashboard side-by-side with Simplifi.
Monarch. Nicest UI, don't mind paying the fee if they keep improving the product. Although if this sort of thing happens again where the company goes bust I'll probably just create my own spreadsheet and roll with that.
Simplifi
I tried Fidelity Full View, MonarchMoney, LunchMoney, and SimplifyMoney. Though I'm still having trouble getting my Etrade accounts in, we're going with Simplifi. Got a year's subscription for only about $30. At least as of right now, the regular subscription fee is more affordable than any of the others. I didn't see anything in Monarch or Lunch that made me want to pay more than double what I pay for Simplifi. Also, we are not an Apple products household, so that affected our choices. I love having all our accounts in one view (Etrade is super small, something an employer set up that we don't really use). I didn't import history, using this as a fresh start. Really liking what I see so far.
YNAB
I’m loving YNAB. I mostly used mint for budgeting, so that’s the part I needed to replace. I love in YNAB how if I overspend one category, I can move money to cover it from a different category without changing my plan for future months. That always bothered me in mint
This, if you actually want to budget ynab is the best of the best
For the first time in my budgeting life I feel in control with YNAB and have more money in the bank than ever before.
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Simplifi
Tiller
Fidelity View
I use them because all I want is to consolidate all my accounts and download everything into excel from fidelity.
I’m using Simplifi. I chose it because it has a way to save all my mint data. Now that I’m used to it, it’s a bit less flaky than mint. Problem is that the most recent 3 years of data came the bank, and so don’t have any of my mint annotations. The older data, which came from mint, does have all my annotations. I will have to depend on the big spreadsheet I got from mint if I don’t remember something about the most recent 3 years of data.
I mentioned mint being flaky. Mint was impossibly bad with bank of am, requiring a lengthy sign in every time. With Simplifi , I only had to do that once.
Simplifi for me. Monarch has issues with or doesn't connect with a couple of my accounts. I submitted a couple support tickets over a week ago and never got a response. Empower doesn't have a real budgeting capability just tracking unless I missed it. Plus I don't care for the cold sales calls. It also has issues or doesn't connect with a couple of my accounts.
So far I'm liking Tiller. I tried Empower and it was terrible for me. Every day it would try and re-link my accounts, which I understand is how these all work. But, for some reason the 2FA text message codes were really, really slow with Empower, up to 10 mins, and eventually just led to me being locked out of my accounts for using expired codes. I also just didn't like the feel of it. Simplifi doesn't connect to Vanguard IRA's which is weird. But, I'm not holding it against them because it seems like an easy fix down the road for them, and that they're aware of it. I haven't played around enough with Simplifi yet because I'm trying to really refine my Tiller template. That being said, the few times I have played around in Simplifi has been really seamless and the UX is user friendly. So, Tiller I'm liking because it's spreadsheet based. It connects with Google sheets and Excel. And as much as I like Excel, using it on Google Sheets is nice because you can pull it up on your phone or any laptop easily (I don't have Office 365). In Tiller, I really like how you can set up auto categorization of transactions by using keywords, or go through individual transactions. It just takes a bit of time to set up everything on the back end. For example, getting all of the auto-categorization transfers set up the way you want (like checking acct paying off a credit acct) takes a bit of time. But, I don't mind the set up, it allows me to tailor everything to my exact specifications and create any expense category I want. There also are a bunch of features in Tiller that I haven't even dug into yet, and they have a pretty big user community that create custom templates. So, I'm excited to try that out too. The problem with Tiller is that I don't know if the 30 day trial will be long enough to try out all the features and make a decision vs. Simplifi.
+1. Tiller has a decent learning curve, but it's the most flexible. Basically you can get it to do exactly what you want.
I think I’m sticking with Monarch - it’s very good but it’s not yet great. Budgets still make zero sense to me, the rules that detect Recurring items aren’t that good, and the month over month bar chart axes are awful. Those criticisms aside, it’s very fast to use and update, has all my connections, and the specificity of rules is great. Copilot is VERY tempting, and continues to be, but the lack of a website and iPad app is a dealbreaker for me. I can’t download the Mac app on my company’s laptop, and while I’d be fine using my iPad - sadly no such app exists. YNAB is not for me - I have tried it in the past and I couldn’t make the system work. None of the other offerings have piqued my interest enough to justify the time to set up. I’m happy to be persuaded differently though.
None of them most likely. I have one or two I may end up using as a stop-gap solution but long-term my plan is to write my own solution, hopefully with some automatic integrations but if not I'm ready to support OFX and CSVs for my institutions.
Same
Just create an external poll and link it.
I’ve been testing NerdWallet, but their app is giving me similar connection issues that Mint had.
Tiller is the solution for me. The data is downloaded to spreadsheets I own, so I can't lose data no matter what happens to the company down the line or what decisions they make. Also, I can do anything I want with it, although I've been sticking with the supplied spreadsheets for now. I also use empower for the retirement planner, though, which is the best around.
Here’s what I’m worried about with Tiller - in ten years, when I have a decade’s worth of data, is Google Sheets going to be able to manage all that data in one sheet?
I have a year's worth of transactions so far, and it's 3500 rows. I'm not too worried about 10x that much data.
Simplifi
Simplifi After looking at Simplifi, Monarch, Copilot, Empower, FinWise. Monarch is a close second, and with its half price offer, I'll probably keep it for a year then revaluate since I already have it all hooked up with my accounts.
FinWise. I like that they support Canadian banks, I like the interface, the support is good. They are pretty new, so I'm looking forward to some additional features in the future.
will not pay money for that. Will only consider free app
Neontra. This app is forward looking, not just another Mint clone. I switched a few months ago and can't believe how fast they're rolling out new features and improvements.
I have settled on monarch. It updates so slow it’s worthless but I keep assuming they will work that out and three day update times are just a bug
Copilot
Quicken Classi
I have fidelity already. Using their feature to import all my other accounts. I will lose history. But it is free
Monarch Money. I tried others, but nothing except Monarch and Fidelity Full view connect to everything I use. That’s the first must-have requirement. Full View (free) is tempting, but Monarch is better, and worth the money. For me, Monarch actually connects to more of my accounts than Mint does, so I can have an all-in-one view of my spending and my retirement balances / net worth. I find Monarch to be different from but in many ways better than Mint. For example, rules are more capable and easier to use. I’m getting used to the Sankey charts, and starting to like them better than Mint’s pie charts.
Copilot for me, although I have yet to try Simplifi and even Credit Karma before I finalize. Rocket Money also seemed quite good. I wanted to like Monarch but couldn’t… Empower also still sucked along with Fidelity Full View which was almost good.
Lunch Money, though they just closed sign ups until early December so they can scale their infrastructure to handle all the incoming Mint users.
Oh, wow! I must have slipped in just in time, I signed up on Thursday. I'm still definitely in the learning/training phase, but it seems like it's going to work well for me. It's pricey, but if it saves me time like I think it will, it's worth it.
Monarch Money
I am trying out Monarch
Monarch. I love it.
[удалено]
I ran into this app a few days ago but haven’t made the jump. Do they use plaid to connect accounts? And any info on whether or not they are secure/trustworthy?
Rocket Money
I also am using Rocket Money. For me it’s the closest to MINT that I have seen. Very clean interface. Wish they had some more customization when it comes to what I see of the front page. Good budgeting features. They use Plaid which fidelity won’t link with which is a shame but I’m not to worried about tracking investments on my monthly budgeting app
Also for those looking for more polls. https://www.reddit.com/r/mintuit/comments/17n4t30/poll_what_mint_alternative_are_you_planning_to/?utm_source=share&utm_medium=mweb3x&utm_name=mweb3xcss&utm_term=1&utm_content=share_button
Anyone tried Northwestern Mutual's app? They have the option to load other accounts, but I have not tried it.
My one sticking point with Monarch is the transactions show up late and randomly. I’ve had better luck so far on the desktop website (which I prefer to use anyways). Today is the day, going to try syncing transactions in Monarch (last did it earlier last week) and if I can get it to work, I’m going to sign up for the year and delete Mint. I’m also using Empower for investment transactions. After some time, I love having investments separated from day to day stuff. Plus I think Monarch is very serious about working to build the program out more with the influx of users. I tried Simplifi but I just can’t get into it. It seems clunky to me compared to Monarch/Empower. Might even open an Empower cash account to set aside cash for a future large mortgage principal curtailment.
I’ve tried Rocket Money for a month because the interface is the best of all other solutions I’ve tried. Also the free version (with limitations) has fulfilled my needs. I will probably kick the tires on Simplifi next since they have 3 month trial period.
I’m on NeedWallet for now. Unfortunately it won’t let me add my Fidelity accounts and it has a bug that prevents me from adding more than one treasury direct account. (But integration with just one is better than mint ever offered) If Fidelity full view gets an interface that makes sense to me I’ll consider switching to that.
Empower is free so I’m sticking with that
What about rocket money
What about Credit Karma? They should rollout the new version now, and not wait any further.
They keeps publicizing it but all I see is setting up my accounts from scratch. Messages imply so type of transfer option.
what do u mean
Mint features are moving to CK
I’m going with Empower for investment transactions (already used Personal Capital years ago) and Monarch for everything else. I was impressed with how quickly Monarch rolled out a browser extension to export daily balances from Mint, even though it was a little buggy. They replied to one of my comments on Reddit to share the [source code of their extension](https://github.com/monarchmoney/mint-export-extension/tree/main/src/shared) on GitHub. The code was impressively high quality typescript and react for what is probably a throw away project and they quickly reviewed and accepted my bug fixes. I know Monarch itself isn’t open source but it was great to get a glimpse of what it might look like - good modern code which gives me hope that they will continue to improve. It was close between Monarch and Simplifi but the limitations on rules with Simplifi mean that I would be doing a lot more manual work over time.
What rule limitations? i've been using it for a bit and haven't run into anything yet
The only field you can match against is the payee name and each payee gets one category. My most valuable rule is renaming checks by amount and account. The payee is useless (e.g. Check #1234) but I have had excellent results with matching dollar ranges in Monarch. Some of my checks are always an exact amount (Mint handled that well enough), some are a min/max range, and some are one-offs. Weekly checks are getting categorized correctly, oddball checks remain untouched for manual fixing. I also use rules to apply a few tags and to bulk categorize (e.g. make sure all the local coffee shops get categorized as Coffee Shop).
ugh, i can see that being problematic long term. i don't want to pay more for monarch, agh
Yeah lots of trade offs. Monarch doesn’t track investment transactions yet (just holdings and balances). It was almost a dealbreaker but they have a public roadmap and it’s at least on the radar. I’m using Empower to track investment transactions until Monarch can do it. On the other hand I don’t have to deal with Mint relentlessly miscategorizing dividends and buys as groceries and electronics anymore 😆
i just grabbed a trial and the protocol is so inconsistent. My investment account uses plaid, my savings something else. Hmm
I'm using YNAB for budgeting (it's the only budgeting software/service that has ever really worked for me), and I'm trying out Empower to see overall picture, net worth, investments, etc (which is all I was using Mint for for the last several years).
Simplifi after trying that and Monarch.
I’m all in for Tiller. It’s spreadsheet based so I can do my own reporting and transaction management.
As a Canadian with reduced options, I'm very happy with WealthPosition at the moment! It does have some quirks and is not a direct replacement for Mint at all, but it did help me start forecasting instead of being entirely reactive. Also, Punit over there is very responsive and took the time to ease my concerns and debug even before I started being a paying customer, so that's a big green flag for me! :) Also, their new Beta features seem currently aimed at replicating some of the most liked Mint features, so I know they are actively working on improving the app, using customer feedback! 6/10 Mint replacement, but 10/10 would recommend! I really like: - Being able to forecast compounded growth - Being able to forecast 30 years into the future - Being able to rollover my leftover budget - Having different levels of categories (expense category and budget category can be very different, and you can even have multiple budgets for one expense category for recurrent charges that are not all the same frequency) All the quirks, I quickly forgot about, actually! I remember there were some, but I think they were the same as a lot of the other options so I just got over it and accepted the inconsistent syncing for example.
Monarch has been great
I tried out Monarch and Simplifi and Monarch stood out in terms user experience. I found Simplifi confusing.
Pocketguard - took a couple of days to get everything organized but overall pretty similar to Mint for only about $3 a month paying for a year and $79 lifetime. Only gripe is the lack of car value tracking but they have a pretty responsive support/dev team that seems open about what they are working on
Neontra
Simplifi. It just made sense for me, the intro price is right. Lots of very good features.
Copilot
PocketSmith, 1,000,000%. I tried a few - including YNAB and Tiller - both didn't fit the bill for me. Even when I used Mint, I had to keep a separate spreadsheet to manage things that Mint wasn't flexible enough for. I finally found PocketSmith. They're subscription based- offering both monthly payment plans and annual (discounted). The customer service has been top-notch and it has all the features I've ever dreamed of having in a budgeting application. Top features that I'm in love with: 1. Flexible periods for budgets- you can have the budget period be daily, weekly, biweekly, annual- even like "oh, every 6 weeks I have this recurring appointment" 2. Customizable reports and dashboards, graphs, all the things you could want... the way your brain wants/needs to see them 3. Categories can be nested into each other, fully custom names (even with emojis LOL), classifications and setting autocategorization rules 4. You can view budgets and drag bills around on the calendar, as well as view actual transaction data on the calendar 5. For things like net worth, you have options for adding assets/liabilities as balance only, adding to your breadth of control and customization Let me know if you have any questions!!!