Mint alternatives in Canada (2026): 5 apps compared

What are the best Mint alternatives in Canada?

The best Mint alternatives in Canada come down to what you want back, because Mint itself is gone. Intuit shut it down in 2024, and the Credit Karma account it moved users to dropped the budgeting Mint was known for. The closest all-in-one successor is Monarch Money, which can import your old Mint data. For a free replacement, Actual Budget and KOHO are the two to know, and Lodavo is a free savings app that makes saving itself rewarding. The table above lines all five up on price, categories and Canadian bank sync. Below is what a table can’t show: how each one works, and who it genuinely suits.

Why did Mint shut down, and what replaced it?

Mint shut down on March 23, 2024, when Intuit retired it and moved users to Credit Karma. But Credit Karma tracks your accounts and net worth without Mint’s budgets, categories, goals or bill reminders, so it isn’t a real replacement. That gap is why former Mint users, in Canada especially, are still looking for something that actually budgets.

Because Mint is gone for good (opens in a new tab) and not just more expensive, this isn’t a switch you can put off. If you exported your Mint history to a CSV file before the app closed, a couple of the alternatives can import it. If you didn’t, that data went with the app, and you’re starting fresh from your linked accounts.

What you’re really choosing between comes down to three things. Do you want a free tool, or will you pay for a nicer one? Does US-dollar billing bother you, given Mint was free and paying anything in USD stings? And how cleanly does the app sync with Canadian banks? The five below answer those differently, and the right one depends on which of them you care about most.

The best Mint alternatives in Canada, at a glance

Behind the table above, the five split into clear jobs. One rebuilds the full Mint dashboard, one bakes budgeting into a free Canadian account, one gives you the same idea open-source and free, one takes budgeting further than Mint ever did, and one is a different shape entirely: a free savings app that rewards the saving your budget is for. Here’s how each works, the dated price, and who it actually suits.

Monarch Money, the closest thing to Mint

Monarch Money is the app most former Mint users landed on, and the closest thing to the old dashboard: bank, credit card and investment accounts in one view that covers budgeting and net worth together. It can import your exported Mint data during setup. As of 2026 it costs $14.99 USD a month, or about $8.33 USD a month ($99.99 USD a year) (opens in a new tab) billed annually, with a 7-day trial and no free tier.

That price is the whole trade-off. Like Mint it pulls everything into one place, but unlike Mint it bills in US dollars, so a Canadian card adds an exchange fee on top, and there’s nothing free about it. It’s the best pick if you want the entire Mint picture back, spending, net worth and investments, in one app, and you’ll pay to get it. If the thing you actually miss about Mint was that it cost nothing, one of the next three will land better.

KOHO, free budgeting inside a Canadian account

If Mint being free was the point, KOHO is the closest free, Canadian answer. Budgeting is built into a no-fee spending account, billed in Canadian dollars, so there’s no US-dollar subscription and no exchange fee. It’s a reloadable prepaid Mastercard that sorts your spending into categories automatically, with savings Goals and RoundUps, on an Essential tier that costs nothing with direct deposit or $1,000 a month in deposits, and $4 a month without.

Paid plans run $18 to $22 a month (opens in a new tab) (or $12 to $14.75 billed annually, as of 2026) and add a higher savings rate and credit building, but you never have to leave the free tier to budget. KOHO isn’t a bank; eligible balances are held in trust at CDIC-member banks. The honest limit versus Mint: KOHO budgets the money inside KOHO, so it isn’t the everything-in-one-place aggregator Mint was. It’s the best fit if you want automatic categories in a free account and are happy to run your spending through it.

Actual Budget, free and open-source

Actual Budget is the free, open-source option, and the closest thing to owning your setup outright. The core app costs nothing and never expires, and you can self-host all your data (opens in a new tab) if you want full control of it. It’s built on the zero-based method, though, where every dollar gets a job before you spend it, so it’s a more hands-on style than Mint’s automatic, passive tracking.

Automatic bank sync for Canadian accounts runs through a third-party service, SimpleFIN Bridge (opens in a new tab), at about $1.50 USD a month, since Actual doesn’t run the connections itself. You can also enter transactions by hand. It’s the best pick if you want a free tool you fully control and don’t mind a bit of setup. If what you loved about Mint was that it just logged everything in the background with no effort, this asks more of you than that.

YNAB, if you want to go further than Mint did

Mint mostly showed you where your money went. YNAB makes you give every dollar a job before you spend it, so if Mint tracked your spending without ever changing it, that’s exactly what YNAB is for, and plenty of ex-Mint users switched for that reason. It syncs reliably with Canadian banks. The cost is real, though: $14.99 USD a month or $109 USD a year (opens in a new tab) (as of 2026), billed in US dollars, with no free tier.

It’s the most structured method out there, which is the draw and the drawback both. If you want a budget that actively reshapes your habits, YNAB does more than Mint ever attempted. If you just want a dashboard that sorts transactions and shows your net worth, it’s more method than you’re after, and Monarch or a free option will feel closer to home.

Lodavo, a free savings app that makes saving the rewarding part

Lodavo plays a different position here, on purpose. It’s a savings app rather than a spending tracker, so it won’t rebuild the Mint dashboard or sort your transactions into categories. What it does instead is get you saving more: it’s Canada’s first prize-linked savings app, connecting read-only to the bank you already use (through Plaid (opens in a new tab), which covers over 99% of deposit accounts in Canada), so you can watch your savings grow week by week and collect free tickets in a cash draw. The more you save, the more of them you get.

A tracker tells you where your money went. It doesn’t make the saving line feel like anything, though, and that’s the line most budgets stall on. Lodavo sits on top of whatever tracker you pick and rewards that one habit. The draw runs weekly, you can win up to $10,000, and at least $100 goes to a user as a guaranteed prize every week. It holds none of your money and pays no interest, so the draw is a free bonus on top, and the saving it rewards is the goal most budgets are chasing anyway. If what you miss most is the category-by-category breakdown, pair it with Monarch, KOHO or Actual Budget for that. But if the hard part was ever staying motivated to save at all, it’s built for exactly that. You can see who’s won on the winning numbers page, and if you’re wondering how a prize draw on savings isn’t gambling, we explain the no-purchase and skill-testing rules here.

How to choose your Mint replacement

Start with what you actually miss about Mint, then match it to the app:

Plenty of people end up pairing two: a tracker to see where the money goes, and Lodavo to make the saving line the part they look forward to. If you want the wider field, our full roundup of the best budgeting apps in Canada weighs the paid-versus-free options in more detail, how to make a budget in Canada walks through the 50/30/20 method if you’re rebuilding from scratch, and the best savings apps in Canada roundup covers where to keep the money once you’ve tracked it.

Terms and conditions apply. No purchase necessary (alternate method of entry available). Skill-testing question required. Open to legal residents of Canada who are the age of majority. Odds depend on the number of eligible entries received. Full rules and odds at our contest rules.