A better Mint alternative for Mac & iPhone users.
Mint is gone — but the need to understand your spending, track your budget and stay on top of your financial life is not. Banktivity gives you everything Mint offered and then some, in a native app built for Mac, iPhone and iPad.
Intuit shut down Mint in early 2024, leaving millions of users looking for a replacement. If you are an Apple user who wants more than a basic spending tracker — real budgeting, investment tracking, goal planning, richer reports — Banktivity is the most complete next step. And if you exported your Mint data before the shutdown, that history can come with you.
What Mint Users Are Looking For
Mint was a product people genuinely loved for its simplicity — quick spending visibility, automatic categorization and a clean summary of where money was going. But the complaints were real too, and they point to exactly what a good replacement needs to do better.
It was ad-supported — your data was the product
Mint was free because Intuit monetized your financial behavior through targeted credit card and loan offers. A replacement that respects your privacy should not work that way.
Budgeting was passive, not intentional
Mint showed you what you spent. It did not help you plan what to spend. Former Mint users who want more control need a tool with real budgeting — not just categorization after the fact.
No investment tracking depth
Mint showed account balances including investment accounts, but it did not track portfolio performance, individual securities, ROI or capital gains. For anyone managing a portfolio, that was a gap.
No native Mac app
Mint was a web app with a mobile companion. For Apple users who want something that feels native to macOS — not a browser tab — there was no good answer within Mint.
Why Banktivity
Know where your money’s going — and where to take it next
Banktivity gives you the spending clarity Mint was known for, plus the budgeting depth, investment tracking and goal planning that Mint never had. It runs natively on Mac, iPhone and iPad, your data lives locally on your devices, and there are no ads built around your financial behavior.
For Mint users who just want a clean spending and budget tracker, Banktivity delivers that. For Mint users who always felt they needed more, it delivers that too — envelope budgeting, investment portfolios, detailed reports, goal planning and a full picture of net worth all in one place.
What you gain
- Native Mac, iPhone and iPad apps
- No ads, no data monetization
- Local data storage on your devices
- End-to-end encrypted Cloud Sync
- Real envelope budgeting — not just tracking
- Investment tracking including portfolio performance
- Dedicated goal planning tools
- 30-day free trial, no credit card required
What to know before switching
- Mac and iOS only — no Windows or Android
- Deeper than Mint — some setup time to get the most out of it
- Mint CSV import supported for exported transaction history
Banktivity vs Mint
More clarity, more control and more room to grow.
Banktivity gives Mint users a stronger next step — better budgeting, richer reporting, real investment tracking and a native Apple experience that Mint never offered.
| Feature | Banktivity | Mint |
|---|---|---|
| Budgeting Methods | ||
Zero-based budgeting Assign every dollar a purpose before you spend it |
✔ Full suite | ○ Limited |
Envelope budgeting Virtual envelopes to control category spending |
✔ Full suite | ○ Limited |
Traditional budgeting Category-based monthly budget tracking |
✔ Full suite | ✔ |
Customized / flexible budgeting Tailor budget structure to your financial life |
✔ Advanced | ○ Limited |
Multiple budget views See your budget multiple ways at once |
✔ Full suite | ○ Limited |
Budget rollover Carry unspent or overspent amounts to next period |
✔ Full suite | ✔ |
Annual budget planning Plan all 12 months in advance |
✔ Full year | ✗ |
| Spending & Transactions | ||
Expense tracking Automatic download and categorization of transactions |
✔ Advanced | ✔ |
Category customization Create and edit your own spending categories |
✔ Advanced | ○ Limited |
Transaction tagging Tag transactions for custom grouping and reporting |
✔ Full suite | ✗ |
Subscription tracking Identify and monitor recurring subscriptions |
✔ Full suite | ✔ |
Recurring transaction management Schedule and manage repeating transactions |
✔ Advanced | ✔ |
Transaction splitting Split a single transaction across multiple categories |
✔ Full suite | ✗ |
Multiple currency support 30+ currencies with auto exchange rate downloads |
✔ 30+ currencies | ✗ |
Transaction attachments Attach receipts and files to individual transactions |
✔ Full suite | ✗ |
| Goals & Planning | ||
Retirement projections & scenarios What-if modeling for retirement age, savings, income |
✔ Full suite | ✗ |
Multiple simultaneous goals Track all financial goals at once |
✔ Advanced | ○ One goal per account |
Debt payoff goals Dedicated tools to model and track debt elimination |
✔ Advanced | ○ Basic only |
Savings goals Set, fund, and track savings targets |
✔ Advanced | ✔ |
College savings planning Dedicated advanced education savings tool |
✔ Advanced | ✗ |
Home purchase planning Model a home purchase impact on your finances |
✔ Advanced | ✗ |
What-if scenario modeling Test financial decisions before you make them |
✔ Advanced | ✗ |
Goal funding from budget Directly fund goals from your budget envelopes |
✔ Advanced | ○ Limited |
| General Reports & Analytics | ||
Net worth reports Track total assets minus liabilities over time |
✔ Advanced | ✔ |
Cash flow reports See money in vs money out across any period |
✔ Full suite | ✔ |
Spending by category Analyze spending patterns by category |
✔ Full suite | ✔ |
Income vs expense Compare earnings against spending over time |
✔ Full suite | ✔ |
Budget vs actual Compare planned vs real spending |
✔ Advanced | ✔ |
Custom report builder Build reports tailored to your specific needs |
✔ Advanced | ○ Limited |
Report export — PDF, CSV, Excel Portable reports for your CPA or personal records |
✔ Advanced | ○ Limited |
Graphs & visualizations Rich interactive charts and visual data |
✔ Advanced | ✔ |
| Investment Tracking | ||
Individual securities tracking Track stocks, ETFs, mutual funds by position |
✔ Advanced | ○ Basic only |
Real-time quotes Live price updates for all securities |
✔ Full suite | ○ Basic |
Automatic brokerage sync Connect and auto-update brokerage accounts |
✔ Full suite | ✔ |
Cost basis tracking Track purchase lots for accurate tax reporting |
✔ Advanced | ✗ |
Tax lot management Select specific lots when selling for tax efficiency |
✔ Advanced | ✗ |
Dividend tracking Track dividends and reinvestments per security |
✔ Advanced | ✗ |
Capital gains tracking Short and long-term gains with full lot detail |
✔ Advanced | ✗ |
Portfolio allocation View asset class breakdown across your portfolio |
✔ Advanced | ○ Basic |
Rate of return — IRR & TWR Institutional-grade investment performance metrics |
✔ Advanced | ✗ |
Investment income reports Dividends, interest, and distributions in one view |
✔ Advanced | ○ Basic |
Realized & unrealized gains/losses Track both booked and paper gains at security level |
✔ Advanced | ✗ |
Security-level detail reports Full transaction history for any individual security |
✔ Advanced | ✗ |
| Tax Planning & Optimization | ||
Capital gains reports Tax-ready capital gains with short/long-term breakdown |
✔ Advanced | ✗ |
Tax lot selection Choose specific lots when selling to optimize tax outcome |
✔ Advanced | ✗ |
Tax-loss harvesting opportunities Surface harvesting opportunities automatically |
✔ Advanced | ✗ |
Tax schedule reports Full US tax reporting with deductions and categories |
✔ Advanced | ✗ |
TurboTax export Export tax data directly to TurboTax |
✔ Full suite | ✔ |
Tax deduction tracking Tag and track deductible expenses year-round |
✔ Advanced | ○ Limited |
Investment income for taxes Dividends and gains organized for tax filing |
✔ Advanced | ○ Basic |
| Real Estate & Mortgages | ||
Property value tracking Auto-download estimated home values (US) |
✔ Advanced | ○ Manual only |
Mortgage principal tracking Track outstanding loan balance over time |
✔ Advanced | ✔ |
Equity calculation Live equity = home value minus mortgage balance |
✔ Advanced | ✗ |
Multi-property management Track multiple properties and associated mortgages |
✔ Advanced | ✗ |
| Platform | ||
Mac desktop app Native macOS application — not a web app |
✔ Fully native | ✗ Web only |
iPhone app Full-featured native iOS app |
✔ Fully native | ✔ |
iPad app Full-featured native iPadOS app |
✔ Fully native | ○ iPhone app only |
Offline access Full functionality without an internet connection |
✔ Advanced | ✗ |
Local data storage Your data stays on your devices |
✔ On your device | ✗ Cloud / web only |
End-to-end encrypted sync IGG Software cannot access your financial data |
✔ End-to-end | ✗ Standard only |
| Privacy & Pricing | ||
No advertising No ads shown within the app |
✔ Ad-free | ✗ Ad-supported |
No data monetization Your data is never sold or shared with advertisers |
✔ Guaranteed | ✗ Revenue via referrals |
Subscription price Annual cost for full access |
✔ From $59.99/yr | ✔ Free (was ad-supported) |
Free trial Try without entering payment details |
✔ 30 days, no card | ✗ No longer available |
US-based customer support Real human support via email and live chat |
✔ Unlimited email + chat | ✗ App shut down |
| Account Management | ||
Account reconciliation Match transactions to bank statements precisely |
✔ Full suite | ○ Limited |
Multiple currency support Manage accounts in different currencies |
✔ 30+ currencies | ✗ US & Canada only |
Automatic backups Data backed up automatically and securely |
✔ Advanced | ✗ Cloud only — no local |
Partner / spouse access Share finances with a partner on shared devices |
✔ Full suite | ○ Limited |
Email & chat support Get help when you need it from real people |
✔ Unlimited | ✗ App discontinued |
Want the full feature-by-feature breakdown?
Better Budgeting
Go from watching spending to planning it.
Mint showed you what you spent after the fact. Banktivity’s envelope budgeting helps you put your money to work before you spend it — so you can plan ahead, handle irregular expenses and always know exactly what you can spend now versus what to save for later.
Spending & Net Worth
See where your money goes and how you are progressing over time.
Banktivity gives you the spending visibility Mint was known for, plus the reporting depth to actually understand patterns, trends and how your net worth is moving over time.
Track Investments
The investment tracking Mint never had.
Mint showed investment account balances, but stopped there. Banktivity tracks portfolio performance, individual securities, buys, sells, dividends, options, ROI, IRR and capital gains — all from the same app you use for budgets and reports.
Plan Ahead
Set goals. Build a real plan. Get there faster.
Whether you are building an emergency fund, paying off debt, saving for education or planning for retirement, Banktivity gives you dedicated goal tools that Mint never offered — so you can move from reacting to your finances to planning them.
What Customers Say
Real customers who wanted more clarity and less friction.
Many Banktivity customers were looking for a better way to stay on top of spending, cash flow and financial progress without making money management feel like a chore.
"As prior users of a competing free online service, we were frustrated by the lack of ability to customize reports and output to our categories. Banktivity offers all the automation you can wish for while at the same time enables users to customize and report as they want."
– Philip, Florida
"Now, all it takes us is a 15-minute monthly session to review all transactions and change a few categorizations. Love being able to know at any moment what our expenditures are, in which categories, and what is our cash-flow need."
– Philip, Florida
"Simple, effective and efficient money management — doing the accounts is now a pleasure not a chore!"
– R.A.B., United Kingdom
Frequently Asked Questions
Why did Mint shut down?
Intuit shut down Mint in January 2024, directing users toward Credit Karma. The decision reflected Intuit's strategy to consolidate its consumer products, but it left millions of users looking for an alternative.
Is Banktivity a good replacement for Mint?
Yes, particularly for Apple users. Banktivity gives you the spending visibility and budget tracking Mint was known for, plus investment tracking, goal planning, richer reports and a native Mac app — things Mint never had. It is a more powerful tool overall, though it takes slightly more setup to get the most out of it.
Can I import my Mint data into Banktivity?
Yes, if you exported your transaction history from Mint before it shut down. Banktivity supports CSV import, so your historical data can come with you.
Is Banktivity free like Mint was?
Banktivity is not free, but it offers a 30-day trial with no credit card required. The reason Mint was free is that your financial data was used to target ads and financial product offers. Banktivity charges a subscription and does not monetize your data.
Does Banktivity track spending and budgets?
Yes. Banktivity includes automatic transaction categorization, envelope budgeting, recurring transaction support and flexible reporting by category, payee and date range.
Does Banktivity track net worth?
Yes. Banktivity tracks net worth over time across all your accounts, loans, investments and other assets — with a dedicated net worth report that shows your progress.
Does Banktivity work on iPhone and iPad?
Yes. Banktivity is native on Mac, iPhone and iPad with end-to-end encrypted sync across all your devices.
Is Banktivity a web app?
No. Unlike Mint, Banktivity is not a web app. It runs natively on macOS, iOS and iPadOS for a faster, more integrated Apple device experience.
Try Banktivity risk-free for 30 days.
No credit card required for first-time subscribers. Everything Mint gave you, and the depth it never had — on Mac, iPhone and iPad.
Want the full feature breakdown? See the complete Banktivity vs Mint comparison →