BEST Budgeting Apps 2024 {Mint Alternatives}

[@BrittanyFlammer]

What is your favorite budgeting app? For quick access, here are links to the apps: ➡ Try Everydollar: everydollar.com/ *Free for 60 days if switching from Mint: www.everydollar.com/mint ➡ Try Tiller: bit.ly/4afQ9hJ ➡ Try Empower: personalcapital.sjv.io/bflammer ➡ Try My Budget Template: etsy.me/3ITBdea ➡ Try YNAB: www.ynab.com/

[@brendasmith4220]

what about nerd wallet

[@JeremyDWilson]

I too am curious about your opinion regarding NerdWallet as well as Albert, and pocket guard. do you have videos on these already? If not, what is your opinion on these three?

[@namepending155]

Love someone that has used the apps vs. just reading from the App Store.

[@BrittanyFlammer]

Yes! I totally agree.

[@bivianacoyomani515]

Thank you. I miss Mint :( Credit Karma feels like I'm carrying a dinosaur from the old times.

[@BrittanyFlammer]

Haha. Yes - good analogy. Good luck with a new app!

[@philjoneisom8884]

This is stressing me out 🥺🥺🥺

[@BelleKindaReads]

What happened with mint ?

[@BrittanyFlammer]

@BelleKindaReads they shut down. They recommended people move to credit karma (which they also own), but I don’t care for credit karma…so there are some alternatives.

[@natalieconrad2803]

I agree!

[@irmagonzalez1195]

Setting up Empower with the link you shared below. Thanks for your videos!

[@BrittanyFlammer]

Sure thing. I hope you like it!

[@mudslingerr]

how could they replace it with credit karma, that’s not even a budgeting app

[@BrittanyFlammer]

I know. 😢

[@LttlCndn]

I've had YNAB for a couple years and the bugs in the system have only gotten worse over time... found this video while looking for alternatives. Thanks for all the info!

[@BrittanyFlammer]

Thanks for sharing! Another one not mentioned here is monarch money- it is kind of a mix between mint and YNAB. They’ve made lots of updates the past few months. I’m texting it out right now. Just thought I’d throw it out there. Good luck!

[@nbravo9]

what do you think of moneymonarch now? I am new to this, i was about to download "Rocketmoney" but everywhere I check no one lists it as a good option so I was worried@@BrittanyFlammer

[@andrewdsouza-jo9ip]

@@BrittanyFlammer : Could you please provide an update about your experience with Monarch Money? Is it better than other apps or would you say it is inferior?! Curious to hear your experience!

[@BrittanyFlammer]

@@andrewdsouza-jo9ip Sure. I've got several tutorials on Monarch as well as this overal review:kzbin.info/www/bejne/iKTIq6ylrpuVqbM

[@Lenhadefogo]

thanks for the great video!! I'm still a bit unsure which of these is the most comparable to mint in terms of adding and seeing different categories

[@BrittanyFlammer]

I believe Quicken Simplifi or Monarch Money are the most comparable to Mint. Here's a video comparing the two: kzbin.info/www/bejne/f5WvpICsdth-pJYsi=nmUBPUezTeyrDdX8

[@agookchild]

YNAB not asking for your credit card before starting trial is a good sign. I will check it out. Thank you

[@BrittanyFlammer]

Yes - that's always a good sign. The other's do take your payment info, but most are pretty good about notifying you that your trial is ending.

[@derekh6489]

Is there a budgeting app that has settings to ping your phone when a transaction hits whichever account was used, asking you to confirm the budget category it should go in?

[@rebeccariordon462]

depends what you mean by ping, but YNAB will prompt you to categorize every transaction that and approve every transaction as they come in

[@BrittanyFlammer]

Simplifi has lots of notification options you can turn on for email/text. They also let you choose categories to set as a watch list. Monarch lets you set it so you can choose what transactions you need to review to categorize. Or you can let them automatically categorize. EveryDollar forces you to review every single one

[@bobforbes1231]

I used Mint for a few years and liked it but now I'm finding it difficult to locate a free or low-cost budgeting app that links to my Canadian bank accounts

[@BrittanyFlammer]

Monarch Money, YNAB, Tiller, and Quicken Simplifi work with many Canadian banks.

[@aaroncanary8200]

Ynab is my favorite. But I have to find something new because all my banks are dropping Plaid support for security reasons

[@BrittanyFlammer]

Plaid is the most popular. I know monarch money offers finicity and Mx support. Off the top of my head I’m not sure about the others.

[@thevic8400]

Why didn't Mint just start charging?

[@BrittanyFlammer]

I don't know. A lot of people wish they would have done that.

[@laurakracht228]

Thank you for your work putting this together. Question. Can you upload data to the free version of EveryDollar if you have downloaded it, or do you have to manually add each and every line?

[@BrittanyFlammer]

You can't upload any files...only manually entering. Sorry!

[@jnnrenae]

Thanks for this information. Which app would you suggest for self-employed individuals?

[@BrittanyFlammer]

I just replied to the other comment. I hope that answer helps. If you have more questions, let me know.

[@jesseedwards5187]

So which one are you personally using?

[@BrittanyFlammer]

That's a good question. The answer - I don't use any of them personally. I use a spreadsheet and manually enter the transactions in. That being said, I have clients that use all of these and I test them out so I can answer questions about them.

[@effiemanyos4215]

None of these are available in Europe. Could you do international apps? Thank you! ♥️

[@BrittanyFlammer]

I wish I knew more about European apps. I don't have much experience with that - but have heard good things about Emma.

[@ThinkYesu_]

Huge help; left a like

[@BrittanyFlammer]

I'm so glad!

[@spbaldwin]

Which of these apps allows you to set certain percentages for the categories?

[@BrittanyFlammer]

I don't know of one that lets you set % for the categories. Several show you your %. Monarch Money shows you percentages. NerdWallet goes off of the 50/20/30%, but it isn't really a budgeting app.

[@LizzyAdelakun]

Thanks for the info.

[@BrittanyFlammer]

I hope it's helpful!

[@andrewdsouza-jo9ip]

Hello! Thank you for sharing this. Could you please share your thoughts behind Empower v/s Monarch Money? If cost was not a consideration (since Empower is free) which app would be better?

[@BrittanyFlammer]

Sure. Here's a review of Monarch Money: kzbin.info/www/bejne/iKTIq6ylrpuVqbMsi=pFlf7S6feTHNc539 Empower is great for seeing all your money in one spot and you can see where your money went, but it's not good for budgeting or planning your budget.

[@chrisaugusto9]

ynab vs monarch money... from your video, it sounds like ynab would be a good fit given variable incomes and other features you mention, however, I do hear it is complicated to get going is monarch money better or the same regarding ease of use/setup? thanks :)

[@BrittanyFlammer]

Yes...and yes!

[@badmatt4227]

Which do you recommend? My metrics: Use on a PC. I hate the tunnel vision of a cell phone. Is not web based, needs to be independent of internet. Does not link/sync accounts, easier to check and balance when manually enter. Don’t want to rent software. I want a onetime purchase and done.

[@BrittanyFlammer]

Majority of the apps/websites are on a subscription plan. Which I hate!! I liked it a lot more when you could make a one time purchase and have it for life. No longer. EveryDollar has a completely free version you can use on your computer. It doesn't link to your accounts and it has a simple budget that's pretty easy to follow. Most of the apps let you manually enter transactions and don't require you to link your accounts. BUT, they pretty much all require a subscription fee.

[@badmatt4227]

@@BrittanyFlammer pardon, I thought "EveryDollar" was web based.

[@jnnrenae]

Which app would you suggest for self-employed individuals?

[@BrittanyFlammer]

That depends...are you asking as a budgeting app for your business or as a budgeting app for your personal life? Any of them would work for your business budget and any of them could work with your personal budget. Self employment is a little trickier because you don't know exactly what your take home pay is going to be every month. If you like spreadsheets Tiller is great because you can have up to 5 budgets (so you could have a personal budget and business budget). If you are just trying to do a personal budget, then Monarch is probably the best because they let you do an annual budget (you can map out months you might know you make more/less money). They also show you your averages for the past 3 months.

[@glenholmy]

Is there any way to add property value as part of net worth to Empower? I'm looking for a smartphone app that I can check bank and portfolio transactions, and net worth that includes property, all on one page. I don't want a budget, saving goals, spending alerts, categories, credit score or any other 'helpful' tools thank you. Mint was perfect for this. Any ideas for a low cost alternative?

[@BrittanyFlammer]

Yes- you can do this with Empower - just add an account (like you would for an investment), but there is an option to add your home value. It will automatically update with Zillow's estimate.

[@morgangrace3699]

Hey I seen the last one you said is better for people with inconsistent checks (I’m commission based) mine changes every check so is there any free ones like that one? Or are there others that are good for this?

[@BrittanyFlammer]

YNAB is a little better because it is focusing on the money that's been deposited into your account, not projecting what you think you will make. BUT, you can technically use any of them with inconsistent income... it's just a little more complicated. I would say Monarch is the next best with inconsistent income, but it's not free. EveryDollar is the only one that is completely free and would work for budgeting.

[@jeremybiar]

BudgetForLife is an awesome option as well! Tries to get the best of both worlds between a budget app and a diy budget spreadsheet

[@BrittanyFlammer]

Thanks for sharing. I'm not familiar with it - I'll have to look into it.

[@gaila.8830]

Thank you for sharing 😊 Do they work in Canada as well? Thanks

[@BrittanyFlammer]

Simplifi, empower, and ynab should work in Canada. Everydollar doesn't.

[@elenaohayon4909]

Hi Brittany, share a link for empower please.

[@BrittanyFlammer]

Here it is: empowerreferral.link/b13185

[@elenaohayon4909]

@@BrittanyFlammer thank you

[@StayPositive-sd8op]

I just came across this video which I'm going to have more time later to watch.. btw, can i take care of your plant behind you❤❤

[@BrittanyFlammer]

Haha!!! This is the 2nd plant I’ve killed…I’m in the basement and it gets too cold for the plants. If I can’t revive this one I’m going to have to do something else!

[@StayPositive-sd8op]

@@BrittanyFlammer it's not that bad yet

[@StayPositive-sd8op]

What kind of plant is that

[@syberspy9]

Every dollar app doesn't work outside of the US.. Like in Canada

[@BrittanyFlammer]

The website works, but not the app itself.

[@RajhaneJAking]

The Dave Ramsay 60 day trial for Mint users only work for US customers. You should include that in your video!

[@BrittanyFlammer]

Good point! It is my understanding that only the free version of everydollar works outside the US, so I didn't even think about mentioning it. Can you use the premium version where you live?

[@GarminPro]

Everydollar fan here

[@BrittanyFlammer]

I’m so glad it’s working for you. Thanks for sharing!

[@Kineticfriction13]

Hey Brittany, just wanted to let you know I checked out your website to see your coaching prices, getting an error when trying to click any links from your homepage.

[@BrittanyFlammer]

Thanks so much for letting me know. It looks like one of the links was broken and I'm fixing it now. To answer your question... I do free group coaching once a month: calendly.com/brittanyflammer/group-coaching I do hourly coaching sessions currently charging $100 here: calendly.com/brittanyflammer/monthly-coaching-session-60-minutes-clone Some people just want one session to answer a lot of questions. Others getting started with budgeting usually like 2-3 sessions and then they're good to go on their own.

[@slamffff]

Are they all compatible with banks/cards/currency from other countries?

[@BrittanyFlammer]

Most of them aren't. Where do you live? Everydollar - US and Canada Quicken - US and Canada Tiller - meant for US and Canada but will work for some other international banks. You can see the list here: www.tillerhq.com/what-banks-and-financial-sources-work-with-tiller/ Empower - only US based institutions YNAB - does work in some other countries. It's fairly recent. You can get more info here: support.ynab.com/en_us/direct-import-in-the-uk-and-eu-an-overview-Syae1z_A9#:~:text=Yes!,can%20enable%20that%20for%20you.

[@ellieem4716]

Is there an app where I can pay household bills from that you could recommend? I have found a few but none that I've heard of before, which makes me skeptical. And wondering if there are any apps (accessible on both pc and android) that include budgeting and money management along with bill paying...??? I'm beginning to think I'm searching for a unicorn.

[@BrittanyFlammer]

Most of the big ones don't let you pay your bills, just notify you when they are due. I've heard of Prism, but haven't personally tried it. If you have a specific one I'd be happy to look into it.

[@Blackcreekstudios]

Do any of these NOT share your financial data?

[@BrittanyFlammer]

None of them sell your data, but they share it to 3rd parties when it's necessary to prevent fraud. I don't think EveryDollar shares anything if you do the free version.

[@Cecilio-q8b]

It's sad to see how people close down an entire community after creating it, these Mint people, I'm pretty sure the intuit proposition was to close the app, and the Mint developer probably wasn't even thinking about it, until it was offered to them a briefcase with an irresistible offer.😡

[@BrittanyFlammer]

Sad. I know so many people who would have willingly paid for mint if it would have been an option.

[@gretchennewcomb2892]

curious how you manage expenses and credit card related to travel/work?

[@BrittanyFlammer]

Sure. For work, I keep everything completely separate. Separate bank accounts and separate cards. I personally use a spreadsheet to track all of my income/expenses and figure out what my 'take home pay' is from my work. Most of these budgeting apps only allow you to create 1 budget intended for personal use. If you wanted a separate budget for your business you'd have to 'buy' another membership. Tiller is the exception - it lets you create 5 budgets. For travel -we have a sinking fund for our travel. We set money aside each month, then when we go on a trip we use the money out of that sinking fund. We did try out a travel credit card this past year. It has been a positive experience because we got a huge bonus. But, we probably won't continue to use the card next year (the fee isn't worth it to us). I hope that helps.

[@icugab]

Any of these have a paid subscriptions manager? I really need something that helps me track subscriptions.

[@BrittanyFlammer]

Not exactly. Most of them will show you your re-curring bills (including subscriptions). If you're interested in managing your subscriptions (or finding them and cancelling) rocket money is good for that.

[@peterrowley6016]

Every dollar isn’t available outside the US , I live in Canada and tried to download it , it wouldn’t

[@BrittanyFlammer]

In Canada, you should be able to use the free version on your computer (or on your phone if you use the web rather than the app). I'm in the US, so i haven't actually tested it, but that's what I read on their website.

[@Ceedee9]

Due to empowers lack of budgeting categories… is it safe to say there are no other free options that have the same functionality as mint?

[@BrittanyFlammer]

Pretty much. A lot of individual banks offer budgeting apps and are free. I haven't tested all of those out. SoFi's bank has a pretty good one called SoFi relay....definitely not as many features as mint, but you can see a snapshot of it in this video here at the 9:54 mark kzbin.info/www/bejne/eaa4ZZ-CmtiBhtUsi=3934ChfqhtvKVpB1

[@ericanderson5487]

@@BrittanyFlammer What about Empower?

[@BrittanyFlammer]

It’s free, great for tracking wealth and transactions, but not meant for traditional budgeting.

[@tabchoirsop]

I think I would like to try Empower. One question I have, can you get a total amount each month and for the year that was spent for each category?...For tax purposes more than anything. I have a very small business and need to account for all my business transactions. Thanks for your informative videos!

[@Rastamike808]

YNAB seems to be increasing their price each year. It’s going up to 109 this fall…

[@BrittanyFlammer]

I feel like most of them have done this lately. I know people really like ynab, but that seems like a lot to me.

[@mindacarpenter2996]

Right? $20 increase and the only new feature is basically just renaming goals to make it more clear what they actually do.

[@yurifarrison5409]

Hello Brittany, Do you provide budget and planning and setup coaching as a service?

[@BrittanyFlammer]

Yes! I do 1-on1 coaching. It looks different for everyone. Some people just want some generic advice, but some people want help getting started from scratch. I charge a standard coaching fee. It covers one hour of coaching and follow up emails. For those people who want help getting started, usually 2 or 3 coaching sessions is good. Feel free to look at my website here: brittanyflammer.com

[@rebeccahacking9090]

Thank you

[@BrittanyFlammer]

You're welcome

[@billgyrotech]

Can Empower auto update Excel workbook on my Onedrive? If it can I will be able to manipulate to my own Budget workbook.

[@BrittanyFlammer]

I don't believe it can. If you're wanting to use your excel workbook, Tiller has an add-on you can use. Here's a link to their help page for that if you're interested: help.tillerhq.com/en/articles/2283741-using-the-tiller-money-feeds-add-in-for-microsoft-excel

[@jenniferdoyle8548]

which ones works for Canadians and does it work with CIBC bank? I tried Monarch which was great, except CIBC bank connectivity didn't work

[@christopherflorian2382]

Give Neontra a try. Canadian company and I've read posts from people who have had success with CIBC connections.

[@BrittanyFlammer]

Both I've heard good things about Neontra. After a quick search, I found a Reddit article saying Pocketguard also worked with CIBC. With Monarch Money you could try sinking with MX instead of plaid. When you add an account, plaid is the default, but MX is another option. If might work.

[@jenniferdoyle8548]

@@BrittanyFlammerI called CIBC tech manager who told me they are working to make sure no third party apps can get access. I think it’s pointless to try, they will block it eventually if they haven’t yet.

[@BrittanyFlammer]

Thanks for letting me know. That's annoying for you, but I understand the safety concerns. Thanks for sharing!@@jenniferdoyle8548

[@Skiptube]

Empower says $8.00 per month?

[@BrittanyFlammer]

You are probably looking at empower:cash advance. It's a peach app with black arrow icon. This is an app that lets you do cash advances. The empower (by personal capital) app I'm talking about looks like what is shown in the video. The app is dark blue with red waves. It's completely free.

[@cali799]

Can I have a referral link for Empower?

[@BrittanyFlammer]

Here it is: empowerreferral.link/b13185

[@projectmanagementoffice9448]

great info

[@BrittanyFlammer]

I’m so glad!!

[@brandonwilson3175]

Empower app promo link I will please 😊

[@BrittanyFlammer]

empowerreferral.link/b13185

[@PrinciaRasamoelison-wr7zq]

It's a good video

[@BrittanyFlammer]

Thanks. I hope it was helpful!

[@PilotHogg]

Anything for Canadian's, Hard to find. Not a huge fan of YNAB I don't think.

[@BrittanyFlammer]

That's so frustrating. YNAB works, but if you're not a fan that won't help you. You can use the free version of EveryDollar on their website. Monarch money should work - I'm currently testing them out and they've made lots of adjustments to their app that are good. Your personal bank should offer an app to help with tracking expenses. Let me know if you end up finding something you like!

[@nessaIX09]

Is there a reason you don't have a YNAB tutorial?

[@BrittanyFlammer]

I’ve tested YNAB out a couple of times to get a feel for it, but I don’t personally use it and none of my clients do, so I don’t have a tutorial.

[@nessaIX09]

Any particular reason? Do you not like it?@@BrittanyFlammer

[@BrittanyFlammer]

It’s a good app…although I think I like monarch money better now that they’ve made some updates recently. YNAB is just has a bigger learning curve and there are a lot of videos on it already.

[@nessaIX09]

Thanks!@@BrittanyFlammer

[@kylehunter153]

I bet Dave Ramsey app excepts credit cards 😂

[@BrittanyFlammer]

:D

[@camcommute]

i found ynab UI look like the 90s

[@BrittanyFlammer]

:D

[@WishSmileDream]

Link for empower please! 🙏🏻

[@BrittanyFlammer]

HEre's the link: empowerreferral.link/b13185 In order to get the $20 bonus, you have to open a new account and add a qualifying investment account with a balance of $1k. The bonus will be emailed to you afterwards (it's currently an Amazon gift card).

[@romsilcosmo]

Would like to try Empower! Can you share the referral link? :)

[@BrittanyFlammer]

Here you go: empowerreferral.link/b13185

[@TLuyten]

Just use actual budget. It is completely free open source zero based budget system

[@BrittanyFlammer]

That's what I use and what works for me. It's interesting, though, because most of my clients prefer an app.

[@niaborn4952]

Let's be friends lol

[@BrittanyFlammer]

Let’s! Here’s the empower link if you are interested: empowerreferral.link/b13185

[@royal1262W]

Empower SUCKS! Does not update transactions real-time.

[@BrittanyFlammer]

Hmm. Empower syncs your accounts every night. They will also syncs when you login. It doesn't take a day or two for the transactions to import - but that's what I've found with all budgeting apps. I haven't noticed Empower taking longer than other apps...but I haven't been looking for that. I mostly use it to track net worth.

[@royal1262W]

@BrittanyFlammer Before I gave up and deleted the app. It went several days without updating my main card that I use, so that was a deal breaker for me. I use budgeting apps to track my spending to identify where my money is going, so I need it to update at least once a day. Really sucks because I like the features and UI.

[@BrittanyFlammer]

@roywhitt3011 yeah- that would definitely be frustrating. Did you end up going with something else?

[@royal1262W]

@BrittanyFlammer Yes, I'm currently trying out Simplifi and Monarch. I like Simplifi the best. However, Monarch is compatible with all my accounts. I like that Monarch has several options to link your accounts as opposed to Simplifi. Simplifi seems to only have one way. Which budgeting app is your favorite?

[@royal1262W]

@BrittanyFlammer I'm currently using Simplifi and Monarch. I like Simplifi the best. However, Monarch is compatible with all my accounts. I like how they have more ways to link your accounts. Simplifi seems to only have one way. It appears that there is no perfect budgeting app out there. I hope Simplifi adds more ways to link your accounts like Monarch soon. Which budgeting app do you prefer?

[@Clandestinemonkey]

instant dislike for dishonesty about sponsorships.

[@BrittanyFlammer]

Sorry to give you an instant dislike. None of them are sponsored. Of the 5 mentioned, only Empower and Tiller are affiliate links where I earn anything if you sign up. I always make a point to say something...I just re-watched the video. For Empower I say...if you use my link you will get $20 and I will get $20. Tiller's mention was cut out by the editor, but I say it in the description box and I post it on my website.

[@RouRoro]

I’m curious wtf is up with this Mint bullshit? What were they thinking ffs

[@BrittanyFlammer]

They weren’t making any money. It’s a major bummer!

[@mairavanhun5402]

So slow

[@BrittanyFlammer]

Sorry!