The best free budgeting app for tracking your money (2024)

The Mint app has shut down as of Jan. 1, 2024. For alternatives, check out CNBC Select's ranking of the best budgeting apps.

Some people love to track their spending, and others find it a time-consuming and stressful chore. There are more and more apps on the market that can do the hard work of organizing your spending for you. At just a glance, you can see where your money is going and how much you have coming in.

But with so many different apps on the market, it can be hard to know which one is the best. CNBC Select compared over a dozen options when rating the best budgeting apps andbest expense tracker apps, and we found that the most popular ones have nearly 5 out of 5-star ratings and hundreds of thousands of customer reviews.

We ranked the Mint budgeting app as the best free option out there. In addition to offering basic budgeting features, Mint also provides bill payment reminders, customized alerts when you're over budget and a credit monitoring service.

Below, we review theMint budgeting app to give you all the details on its features, including the tools, perks, safety, pricing, availability and ratings so you can decide if it is the right app for managing your money.

Mint budgeting app review

  • Budgeting app tools
  • Perks
  • Safety
  • Pricing
  • Availability and ratings
  • Bottom line


Learn More

Information about Mint has been collected independently by CNBC Select and has not been reviewed or provided by Mint prior to publication.

Terms apply.


  • Free to use
  • Syncs to your bank accounts and credit cards
  • Users can create savings goals, track investments
  • Customized alerts when over budget, for large transactions, ATM fees, etc.
  • Bill payment reminders
  • Credit monitoring service
  • Offers blog and education tools, such as a loan repayment calculator
  • Security features include Verisign scanning, multi-factor authentication and Touch ID mobile access


  • Some user reviews complain of ads, glitches in app, expenses assigned to wrong category

Learn More

Mint budgeting app tools

Mint syncs to your bank accounts, credit cards and retirement accounts to track your income, purchases and savings.

The Mint budgeting app comes with a daily budget planner, which suggests budget goals based on your spending. You can adjust your goals (and/or add new ones) as you use the app.

Mint will automatically update and categorize your expenses for you, but you have the option to revise and add categories as needed. You can also create your own savings goals and track your investments in the app.


Unlike many other budgeting apps, Mint stands out for going beyond just budgeting and offering credit monitoring. Users get 24/7 access to their credit score for free, a credit report summary, as well as notifications of changes in their TransUnion® credit report.

Mint will also send alerts if you're being charged an ATM fee, going over budget or if there's been a large or suspicious transaction on your account.

The app's monthly bill payment tracker allows you see all your bills at one glance, and you can get reminders on upcoming due dates and alerts if your funds are low.

For those looking for more resources to help them along their financial journey, Mint has its own educational blog, as well as tools you can use, like a home affordability calculator and a loan repayment calculator.


Safety features include security scanning with VeriSign for transferring data and multi-factorauthentication for accessing your account. Mint will require a 4-digit code to view your account or Touch ID.

It's also worth noting that Mint is an Intuit brand, which is the company behind TurboTax and QuickBooks®, which millions of people use to store sensitive financial data.


While the Mint app is free to use, there are in-app ads. Be prepared to do a lot of ad-watching with any free budgeting app. There is not an option to upgrade to an ad-free version.

Availability and ratings

The Mint budgeting app is available in the App Store (for iOS) and is compatible with the iPhone, iPad, iPod touch and Apple Watch. It is also available on Google Play (for Android).

Rating in App Store at time of writing: 4.7 out of 5 (over 625,000 ratings)

Rating on Google Play at time of writing: 4.5 out of 5 (over 180,000ratings)

Bottom line

If you're new to budgeting apps or tired of paying for the one you currently use, Mint is the best free option for you.

Users have access to all the typical budgeting app features, plus credit monitoring, customized alerts and educational tools to coach them along the way.

For those more serious about budgeting who don't mind paying a monthly or annual fee, consider the You Need A Budget (YNAB) budgeting app. Instead of using traditional budgeting buckets, users allocate every dollar they earn to something (known as the "zero-based budgetingsystem" where no dollar goes unaccounted for).

Learn more: 5 tips on what to look for when choosing a budgeting app

Our methodology

To determine which budgeting apps offer the best user experience,CNBC Selectanalyzed over a dozen apps offered by the top companies in this market and looked at their pricing, features, user reviews and ratings.

We narrowed down our ranking by only considering apps that sync transactions from users' bank accounts, come with low (or no) cost to sign up, are easy to use and can be accessed on multiple devices so are accessible and compatible for most.

The five apps we selected for this ranking are either free, offer a free version or have a free trial for users to test out before signing up.

All of the apps in our round-up have a sizable number of user reviews and high ratings. Each app on this list has at least 1,000 reviews in both the App Store (for iOS) and on Google Play (for Android), as well as a rating over 4 stars (out of 5) on both platforms.

Other factors we looked at included apps' security features, user customization and educational tools offered.

Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

The best free budgeting app for tracking your money (2024)


The best free budgeting app for tracking your money? ›

The free NerdWallet app lets you track your cash flow, including how your spending fits into the 50/30/20 budget guidelines. You can also see your net worth and debt, and monitor your credit score. We also offer other free options you can try: Use a budget planner to record your expenses.

What is the number 1 free budget app? ›

The best budgeting apps, ranked*
RankingPlatform nameMobile app availability
1Rocket MoneyBoth iOS and Android
2SimplifiBoth iOS and Android
3YNABBoth iOS and Android
4Monarch MoneyBoth iOS and Android
10 more rows
Feb 23, 2024

What is the best free program to track personal finances? ›

The free NerdWallet app lets you track your cash flow, including how your spending fits into the 50/30/20 budget guidelines. You can also see your net worth and debt, and monitor your credit score. We also offer other free options you can try: Use a budget planner to record your expenses.

Is there a free money tracker app? ›

Budget Card is a personal finance app for spending tracking, budget planning and money saving. It is free to use, no ads, no privacy peeping. - Budget Planning: set up budget for ledger, categories and sub-categories.

Is there an app that tracks where you spend money? ›

Compare Providers
Expense Tracker AppsWhy We Picked It
EmpowerBest for Investors
ExpensifyBest for Receipt Saving
EverlanceBest for Reimbursem*nt and Mileage
NerdWalletBest Free Option
1 more row

Why is Mint shutting down? ›

According to its parent company, Intuit, Mint wasn't making enough money, so Intuit began the app's closure in January. On March 23, Mint users will no longer be able to access their account data, which could include over a decade of their spending and financial history.

Is Mint free to use? ›

Mint is available in both a free and paid version. The paid version is called Mint Premium and costs $4.99 a month.

What is the simplest method to keep track of your money budget? ›

Sometimes the simplest solutions work best, and there's nothing wrong with old-fashioned pen-and-paper tracking. We even created a printable weekly spending journal to help get you started. Every time you swipe your card or fork over cash, write down the item and the amount, no matter how small.

What is the best budget app without linking bank account? ›

The YNAB app is the best budget app if you're not interested in linking anything directly to your bank account. While YNAB does allow you to automatically sync your accounts and many people prefer to do it that way, you don't have to.

Is Mint better than Quicken? ›

Quicken has much more functionality and can grow with you over time. It's also better than Mint if you're a small business owner or are managing rental properties.

Is Rocket money or Mint better? ›

Mint is a budgeting app first and foremost, whereas Rocket Money is a personal finance app with budgeting, credit reporting, and bill negotiation features. This means Mint is more comprehensive for creating custom budgets and managing your spending, but Rocket Money has more features overall.

Is Mint a Goodbudget app? ›

Mint, acquired by Intuit in 2009, is a free personal finance app. It has long been one of the most widely used and highly rated budget apps. Mint links to nearly all types of users' financial accounts, such as credit cards, investments and loans.

What is the secret money app? ›

POWERFUL PRACTICES TO ATTRACT ABUNDANCE INTO YOUR LIFE. The Secret to Money is an app that is designed to change the way you think about money, and to radically change the circ*mstances of money in your life. DESIRES: In this practice, you create a list of 7 things you would buy if money were no object.

What is the best way to track personal finances? ›

Best expense tracker apps
  1. Best app for planners: Quicken Simplifi.
  2. Best app for serious budgeters: You Need a Budget (YNAB)
  3. Best app for beginners: Goodbudget.
  4. Best app for over-spenders: PocketGuard.
  5. Best app for small business owners: QuickBooks® Online.
  6. Best app for employees' business expenses: Expensify.

How do you track and budget money? ›

Here's how to get started tracking your expenses.
  1. Check your account statements. ...
  2. Categorize your expenses. ...
  3. Build a budget that works for your expenses. ...
  4. Use budgeting or expense-tracking apps. ...
  5. Explore other expense-tracking methods. ...
  6. Look for ways to lower your expenses.
Jan 30, 2024

Are budgeting apps worth it? ›

A budgeting app can be a quick fix to getting your finances back on track. Many financial experts and personal finance gurus agree that making a budget is key to taking control of your financial future. If the “B” word seems daunting, however, you're not alone.

Are there better budgeting apps than Mint? ›

Empower Budgeting App

Empower —formerly Personal Capital—is a solid place to manage both your banking and investment accounts. It started out as an investment tool, which does cost extra for its management services, but its budgeting and spending tracker is free.

Is EveryDollar budgeting app free? ›

EveryDollar is FREE to sign up for! EveryDollar Premium is an upgraded experience that includes all the features of the free version, plus: Bank Connect. Paycheck Planning.

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