Top 8 AI Budgeting Apps Like Mint (Alternatives in 2025)

Ever since Intuit announced the sunset of the popular Mint budgeting app, millions of loyal users have been left searching for viable Mint alternatives in 2025.

Mint was a powerhouse—free, simple, and effective—and its AI-powered budgeting tools helped countless people manage their personal finances. But with Mint officially gone, what now?

Thankfully, AI has taken a huge leap forward in personal finance. We’re seeing smarter, faster, and more secure apps that can track your spending, set financial goals, offer real-time recommendations, and even predict future financial behaviors—all with just a few taps.

Whether you’re a budgeting beginner or a savvy investor, this post dives deep into the best AI apps like Mint in 2025. These tools offer strong AI features, seamless banking integrations, goal-setting tools, and everything else you’d expect from a premium budgeting experience.

So, let’s get into it: here are the top 8 Mint replacement apps in 2025 you should check out right now.

1. Copilot Money

If you’re looking for a smooth transition from Mint, Copilot should be your first stop.

Copilot Money is built with Apple users in mind, offering a sleek UI and powerful machine learning that categorizes transactions accurately and learns from your behavior over time. It’s like having a financial analyst in your pocket.

Why It’s a Great Mint Alternative in 2025:

• Real-time AI transaction categorization
• Customizable budgets
• Net worth tracking
• Apple-exclusive design and privacy features

Drawback: Only available for iOS users for now. Android users are still waiting.

Link: https://www.copilot.money

2. Monarch Money

Monarch Money has positioned itself as a premium budgeting tool with deep financial planning capabilities.

Its collaborative budgeting tool makes it stand out—it’s one of the few platforms where couples or roommates can budget together in real time.

AI Highlights:

• Smart goal tracking with predictive AI
• Net worth analysis
• Investment and retirement planning insights

It feels more like a Mint 2.0—with a cleaner UI and more powerful analytics.

Why Monarch Money is a top Mint replacement app:

• Built-in bill tracking
• AI-backed trend forecasting
• Strong security measures

Link: https://www.monarchmoney.com

3. Simplifi by Quicken

Simplifi is another strong contender for those migrating from Mint. Backed by the makers of Quicken, it blends traditional personal finance reliability with modern AI budgeting tools.

What Makes Simplifi Special?

• Real-time cash flow projection
• AI alerts for unusual spending
• Spending watchlists for better control

For many ex-Mint users, Simplifi offers a more robust and intuitive dashboard while still maintaining that familiarity.

Pros:

• Cross-platform compatibility (iOS, Android, Desktop)
• Trusted parent company
• Custom categories and reports

Link: https://www.quicken.com/simplifi

4. YNAB (You Need A Budget)

While not entirely new, YNAB has reinvented itself in 2025 by integrating smarter AI-based features to meet modern-day budgeting demands.

New AI Features in YNAB 2025

• Predictive budgeting based on past spending habits
• Automated goal recalibration when spending exceeds limits
• AI-powered financial education modules

YNAB isn’t for the casual user—it’s a zero-based budgeting tool that encourages intentional spending. However, if you’re serious about mastering your money, it’s a fantastic Mint replacement.

Link: https://www.youneedabudget.com

5. Rocket Money (formerly Truebill)

Rocket Money stands out for its subscription management and bill negotiation services. It’s an all-in-one platform designed to reduce financial waste—using AI to identify subscriptions you don’t use and helping you cancel them.

Features that rival Mint

• AI-based subscription detection and cancellation
• Budget forecasts
• Credit report monitoring
• Automatic savings suggestions

It’s especially useful if you’re trying to cut down on hidden costs or recurring charges.

Link: https://www.rocketmoney.com

6. Emma (Budget Planner & Tracker)

Emma is built with Millennials and Gen Z in mind, and it shows. The app is vibrant, intuitive, and packed with AI features that make budgeting almost… fun?

Emma uses smart AI algorithms to give a full picture of your finances—including crypto assets, loans, and investments.

Key Features

• Daily balance predictions
• AI-powered spending insights
• Cash flow management tools
• Bank syncing with global support

Emma is definitely one of the most colourful and best AI apps like Mint, and its automation makes it perfect for users who prefer a hands-off approach.

Link: https://emma-app.com

7. Cleo

Cleo is a budgeting app with a personality. Literally. It’s an AI chatbot that chats with you in a snarky, millennial-esque tone while helping you save money, build credit, and stick to your budget.

You can ask Cleo, “How much have I spent on takeout this month?” and it’ll pull up the data instantly—with emojis.

AI Capabilities

• Personalized financial coaching
• Savings challenges
• Smart budgeting insights
• Credit builder tools (new in 2025)

While it’s not for everyone, Cleo is a refreshing take on finance that resonates with younger users. If Mint felt too corporate, Cleo brings a friendly face to finances.

Link: https://web.meetcleo.com

8. Charlie

Charlie is a lesser-known but surprisingly powerful AI budgeting app that’s gaining traction in 2025. It’s designed with simplicity in mind—no fluff, just clean budgeting tools and automation that works.

Features that make Charlie a solid Mint alternative

• Automated savings based on your rules
• Expense categorization via AI
• Cash flow forecasting

Charlie is ideal for users who don’t want a huge learning curve. It’s plug-and-play and has fantastic mobile UX.

Link: https://www.hicharlie.com

How Do These Mint Alternatives in 2025 Compare?

App	AI Features	Subscription Management	Predictive Budgeting	Credit Monitoring	Best For
Copilot	Yes	No	Yes	No	Apple Users
Monarch Money	Yes	Yes	Yes	No	Couples & Families
Simplify	Yes	No	Yes	Yes	Cross-platform users
YNAB	Yes	No	Yes	No	Budgeting enthusiasts
Rocket Money	Yes	Yes	Yes	Yes	Subscription management
Emma	Yes	Yes	Yes	No	Millennials/Gen Z
Cleo	Yes	Yes	Yes	Yes	Fun + interactive budgeting
Charlie	Yes	No	Yes	No	Simplicity

What Makes a Great AI Budgeting App in 2025?

In 2025, a basic spreadsheet or old-school ledger won’t cut it. AI budgeting apps are now expected to do far more than just track expenses.

Here’s what you should expect from a modern Mint replacement app:

• Real-time categorization: AI that automatically labels and tracks spending by category
• Goal-based forecasting: Tools that predict your ability to reach savings or debt payoff goals
• Bill reminders and automation: Smart alerts for upcoming bills, unusual transactions, or duplicate charges
• Behavioral analytics: Insights on how your spending habits affect your financial health
• Security and privacy: End-to-end encryption and zero-data sharing policies

The Future of AI in Budgeting

The days of manually tracking every dollar are over. With the rise of AI, budgeting apps now anticipate your needs before you even realize them.

Some exciting trends we’re seeing in 2025:

• Hyper-personalization: AI doesn’t just learn your spending—it learns you.
• Voice-first finance assistants: Like Alexa, but for your money.
• Financial automation chains: Trigger-based systems that move your money automatically based on goals or conditions (e.g., “If rent hits, move $200 to savings”).

For those still on the hunt for Mint alternatives in 2025, the good news is the replacement options are not only available—they’re better.

Conclusion

There’s no one-size-fits-all answer. But here’s a quick breakdown:

• Want simplicity? Try Charlie.
• Love clean design? Go for Copilot.
• Need robust financial planning? Monarch Money is your best bet.
• Tight budget and hands-on control? YNAB still dominates.
• Want to cancel all those sneaky subscriptions? Rocket Money is a must.

The AI revolution in personal finance has only just begun.

And as budgeting becomes smarter and more personalized, we’ll continue to see new tools emerge that empower us to take control of our financial futures.