If you left Mint because you liked the net worth screen and never touched the budgeting tools, here are your real options. Monarch ($99.99/year) does budgeting well and adds household collaboration. Copilot ($95/year) does budgeting well on Apple devices only. Empower is free and funds itself through wealth-management referrals. A spreadsheet is free and entirely manual. BooCoo tracks net worth, trends, and a single "am I okay" score, with no budget to build, starting free with your first bank connection.
Four of these five assume you want a budget. Only one assumes you don't.
The Mint nostalgia isn't about budgeting
When Mint shut down in 2024, the loudest complaint wasn't "I lost my budget." It was "I lost my dashboard." One person, asking where to go next, put it directly: "NOT looking for: Budgeting features (please no Mint alternatives). Just want something that can track my total net worth." Another, in a Mint-era subreddit, was blunter: "I don't care about budgeting, I really just like how pretty the net worth screen looked in Mint."
That's a specific ask. Most Mint-replacement roundups answer a different question, "which app budgets the best," because most personal finance apps are built around budgeting as the default job to be done. It's worth separating the two questions before you pick anything.
Monarch Money: the closest thing to Mint, if you also want to budget
Monarch's Core plan runs $14.99/month or $99.99/year, with a 7-day free trial. It's available on iOS, Android, and the web, and it's explicitly built for couples: partners can link accounts, split shared and private categories, and comment on transactions together.
Where it wins: if your household wants to budget together, and you need an Android or web client, Monarch covers ground BooCoo doesn't. It's a real budgeting app with category envelopes, goals, and shared visibility, done well.
Where it doesn't fit the "no budgeting" ask: budgeting is the product. The net worth dashboard is a feature inside a budgeting app, not the whole app.
Copilot Money: Mint's design polish, Apple only
Copilot runs $13/month or $95/year, with a 1-month free trial. It's available on iPhone, iPad, Mac, and a web client, with no Android app. Categorization is AI-assisted and the design is close to Mint's original polish.
Where it wins: if you're fully in the Apple ecosystem and still want a budgeting app, categories, goals, and all, Copilot is the most refined one on the market.
Where it doesn't fit the "no budgeting" ask: same story as Monarch. It's a budgeting app with excellent design, not an alternative to budgeting.
Empower: free, but the price shows up later
Empower's dashboard costs nothing and covers net worth, cash flow, and investment tracking, including a real-time snapshot across your accounts. The business model is wealth management: Empower earns revenue by advising the assets it can see, at a 0.89% advisory fee on the first $1 million, and new users can expect calls and emails from an advisor once the dashboard identifies enough investable assets to be worth pitching.
Where it wins: it's free, and the investment and retirement-planning tools are genuinely strong if you have meaningful assets already under management elsewhere.
Where it doesn't fit: the "free" isn't free of a sales agenda. The free dashboard exists to find clients for the advisory business. It is not the product.
Spreadsheets: free, and it's on you
Full control, zero data sharing with any company, and it costs nothing. The tradeoff shows up the moment life gets busy. One person, describing why they gave up: "I've tried spreadsheets but I inevitably lose track or forget to make updates until I'm too far behind. Plus it feels like a chore."
Where it wins: nobody sees your data but you, and it costs nothing.
Where it doesn't fit: a spreadsheet only stays accurate if you keep entering transactions by hand. Automatic sync is the whole reason most people leave spreadsheets for an app in the first place.
BooCoo: net worth and trends, no budget required
BooCoo connects to 12,000+ institutions via Plaid, plus Apple Card, Apple Cash, and Apple Savings for free through Apple FinanceKit. Manual entry and CSV/OFX import are always free. The app itself is free, your first bank connection is free, and additional connections start at $4.99/month or $39.99/year, with a 14-day free trial on the Standard plan.
Instead of a budget, BooCoo runs a Financial Vitals score, one number that answers "am I okay," backed by your runway, cash flow, and spending trend. Net worth updates daily with full history. Spending trends compare your last 3 months against your last 12, never month against month, and never against anyone else's numbers. There's nothing to build and nothing to maintain. This approach has a name: anti-budgeting.
The privacy architecture is the other half of the answer. Your financial data syncs through your own iCloud account. BooCoo runs no server-side database of your transactions, so there's no copy of your data to sell or mine, and no wealth-management funnel waiting on the other side of your net worth number. The only revenue is the subscription.
Where it wins: you want net worth and trends without a budgeting layer on top, and you want a company with no data business model to protect.
Where it doesn't fit: BooCoo runs on iPhone and Mac only. No Android, no web app. If your household is split across platforms, that's a real limitation, and Monarch is the better fit.
Which to actually pick
- Want couples budgeting and need Android or web: Monarch.
- Want the most polished budgeting app and you're all-in on Apple: Copilot.
- Want $0 and don't mind a wealth-management sales conversation: Empower.
- Want total control and don't mind manual entry: a spreadsheet.
- Want net worth and trends without building a budget, on iPhone or Mac: BooCoo.
Still weighing the budgeting apps against each other? The full four-way comparison covers BooCoo, Monarch, Copilot, and YNAB side by side, including where each one honestly wins.
About BooCoo
A finance app that tells you if you're okay. No budgets. No envelopes. No homework.