Best Mint Replacement App for 2025

If you were a loyal Mint user, 2024 probably felt like the end of an era. With Mint discontinued and many users nudged toward other tools, 2025 is the year to choose a replacement that actually works the way you do. This guide explains what to look for in a Mint replacement app, compares the leading options, and shows why FIYR is a strong pick if you want precise spending tracking, flexible budgets, transparent insights, and FIRE-focused planning.

The Verge reported on Intuit’s decision to wind down Mint, and millions have been exploring alternatives since. If you are searching for the best Mint replacement app for 2025, here is how to evaluate your options, plus a practical migration checklist to get your finances organized fast.

What makes a great Mint replacement in 2025

The best Mint alternative should feel familiar where it matters, then go further where Mint fell short. As you evaluate tools, prioritize:

• Accurate money and spending tracking, not just account aggregation. You want clean categories, rules for recurring merchants, and clear charts.
• Custom categories and category groups, so your budget fits your life instead of the other way around.
• Transaction rules that automate categorization and cleanup for consistent reporting.
• Flexible budgeting options, including dynamic budgets and a clear safe-to-spend number so you know what is left after bills and goals.
• Subscription tracking, so recurring charges do not hide in your transactions.
• Savings rate tracking and FIRE projections, if financial independence is on your roadmap.
• Net worth tracking across all assets and liabilities, with the ability to add custom items that many apps ignore.
• Goal-based budgeting tied to timelines, not just wish lists.
• Data portability, transparent reporting, and simple onboarding.

Why FIYR is the best Mint replacement app for 2025

FIYR is a modern personal finance platform built for people who want clear spending visibility today and a confident plan for tomorrow. It combines a powerful money tracker and spending tracker with FIRE-oriented guidance, in one simple app. For ex-Mint users, the experience is pragmatic, flexible, and fast to maintain.

Here is how FIYR maps to the features Mint users actually care about:

• Full money tracker and spending tracker, see income, expenses, categories, and trends at a glance with clean charts.
• Custom categories and category groups, design your own structure, for example Housing, Kids, Health, Travel, and fit every expense where you expect it.
• Automatic transaction rules, set merchant or description rules one time so repeat purchases are categorized consistently.
• Custom labels on any transaction for deeper analysis, tag spending with labels like New York Trip 2025 or Kitchen Remodel, then view that label’s total by category over time.
• Budgeting with dynamic options and safe-to-spend, choose flexible budgets for irregular income, and see an always-updated balance you can safely use after bills and goals.
• Subscription tracking, track recurring charges to reduce waste and avoid renewals you forgot about.
• Net worth tracking for almost anything, add custom assets and liabilities so your full picture is accurate, not just bank and credit cards.
• Savings rate calculator, FIRE date projection tools, and guidance, use FIYR to translate daily decisions into a long term independence timeline.
• Goal tracking with a built in safe-to-spend balance, align spending with goals without losing day to day control.
• Financial independence education and resources, explore the blog’s expert content on the FIRE journey, the 4% rule, and boosting your savings rate.
• Weekly actionable newsletter, get concise ideas you can put to work immediately.

If you were tired of category messiness or rigid budgets in other apps, FIYR’s custom categories, rules, labels, and safe to spend view make daily maintenance simple and reliable, which is how you get long term insights that actually help you change behavior.

FIYR vs. other Mint alternatives in 2025

There are many solid tools. The goal is to match the app to your job to be done. The summary below is based on publicly available information as of December 2025.

App	Best for	Key strengths for ex Mint users	Potential tradeoffs	How FIYR differs
FIYR	Flexible budgets and FIRE planning	Custom categories and rules, labels for trips and projects, subscription tracking, savings rate and FIRE projections, safe to spend	Newer approach, you set up your own category style	Adds FIRE specific tools, savings rate focus, and simple goal based budgeting in one place
Monarch Money	Households wanting polished views and planning	Strong overview and collaboration features	Can feel feature heavy if you only need budgeting and spending clarity	FIYR keeps budgeting, spending, and FIRE planning front and center
Copilot Money	Mobile first tracking	Clean interface and fast daily review	May prioritize quick summaries over deep FIRE metrics	FIYR adds savings rate, safe to spend, and FIRE date projections
Rocket Money	Subscription heavy users	Good visibility into recurring charges	Broader focus beyond budgeting may dilute planning depth	FIYR blends subscription tracking with budgets, goals, and FIRE views
Quicken Classic	Desktop first and historical users	Deep legacy reporting	Complexity and learning curve for simple budgets	FIYR favors modern simplicity with custom rules and labels
YNAB	Zero based envelope fans	Strong method for strict budgeting	Specific methodology may not fit everyone	FIYR supports flexible methods and goals without a single required approach
Tiller	Spreadsheet power users	Unlimited customization in sheets	Manual upkeep and spreadsheet skills required	FIYR provides customization without living in a spreadsheet

If you want a Mint replacement app that can be your daily spending tracker and your long term FIRE compass, FIYR hits both marks without heavy complexity.

A 30 minute migration checklist for ex Mint users

You do not need a weekend to switch. Use this quick setup plan, then let rules and labels do the ongoing work.

1) Capture your baseline

• Note your current checking, savings, investment, debt balances, and a rough monthly expense number. This gives you a starting net worth and spending benchmark.

2) Create your category system

• Recreate familiar categories and groups in FIYR so reports match the way your brain already organizes money. Keep it simple, you can refine over time.

3) Add transaction rules

• Set rules for frequent merchants and descriptions. This keeps your history and future transactions consistent and reduces weekly cleanup.

4) Label key projects and trips

• Use custom labels like New York Trip 2025, Car Replacement Fund, or Fall Semester. Labels cut across categories so you see the full cost end to end.

5) Build your monthly budget and safe to spend

• Start with fixed bills and essential categories, give variable categories realistic amounts, then review the safe to spend figure that remains for flexible decisions.

6) Track subscriptions

• Add known recurring charges. The goal is to surface everything, then decide what stays, what pauses, and what gets canceled.

7) Set your savings rate and FIRE target

• Enter your annual spending target to estimate a FIRE number, then use FIYR’s savings rate calculator and projection tools to see your expected timeline. Explore our primer on the 4% rule if you want a refresher on withdrawal math.

8) Log custom assets and liabilities

• Add vehicles, HSA balances, small business loans, or other items you care about. FIYR supports custom entries so your net worth view matches reality.

9) Create 1 to 3 goals

• Examples, Emergency Fund to 6 months, Summer Travel, Max IRA. FIYR’s goal tracking and safe to spend make day to day tradeoffs clear.

10) Schedule a 15 minute weekly review

• Check category drift, subscriptions, and progress toward goals. Small weekly tweaks beat quarterly overhauls.

Tips for common money situations

Irregular income, creators and gig workers

• Use dynamic budgets for variable categories and keep a modest buffer in checking. Your safe to spend number helps time purchases without anxiety. Consider labeling inflows by client or project, then track project profitability across months.

Small business owners and self employed

• Separate business vs personal categories and labels so tax time is simpler. Labels like Q1 Marketing or 2025 Equipment Upgrade make after action reviews effortless.

Subscription heavy households

• Audit the subscription list monthly. Duplicate streaming and longer than needed trials are common. FIYR’s subscription tracker plus labels like Shared with Roommates make decisions quick and fair.

Families and new parents

• Create a Kids group with Education, Activities, Clothing, and Childcare. Track the full cost of seasons or school terms using labels like 2025 Spring Activities.

Investors and FIRE enthusiasts

• Monitor savings rate first, then absolute dollar progress. Use FIYR to run simple FIRE projections based on spend and contribution changes. For deeper background, see our guides on the FIRE path and index fund basics.

Why safe to spend changes behavior

Traditional budgets tell you what you planned, not whether you can responsibly spend today. A live safe to spend balance answers the real question in seconds. In FIYR, your safe to spend accounts for fixed bills, goals, and current progress. That single number lets you make decisions confidently, without checking five screens.

Build the habits that compound

Great tools matter, habits matter more. Anchor on a weekly review, keep categories tight, and automate rules. Use labels for anything that has a start and end date, trips, home projects, semesters, holidays. Over time, you will know the all in cost of life events, which makes planning far easier.

For emergencies and buffers, revisit our emergency fund guide. Pair that with consistent investing so your savings rate grows, and your FIRE timeline will pull forward.

Frequently Asked Questions

Why is FIYR a strong Mint replacement app for 2025? FIYR focuses on accurate spending tracking, flexible budgeting, and FIRE planning in one place. You get custom categories, transaction rules, subscription tracking, labels for trips and projects, a safe to spend balance, savings rate tracking, and FIRE projections. Can FIYR handle irregular income? Yes, the budgeting features are flexible and the safe to spend view helps you time purchases even when paychecks vary. Labels and rules make it easy to attribute income and expenses to clients or projects. How is FIYR different from Monarch Money, Copilot Money, Rocket Money, or Quicken? Those tools are strong in their own ways. FIYR emphasizes customization, clarity, and FIRE centric insights. If you want daily control and long term independence planning together, FIYR keeps both in focus. Do I have to use a strict budgeting method? No. FIYR supports flexible budgets. You can keep a classic monthly budget, adopt elements of zero based planning, or run a hybrid. The key is clear categories, rules, and a safe to spend number. Can I track subscriptions and one off events like trips? Yes. Use the subscription tracker for recurring charges. For events, apply custom labels like New York Trip 2025 to every related transaction, then review total cost by label. How does FIYR help with FIRE? FIYR calculates your savings rate, projects a FIRE date based on your spending, and surfaces the tradeoffs between today’s choices and tomorrow’s independence. For background, see our articles on the FIRE framework and the 4% rule.

Make your next money move

Mint is gone, your goals are not. Choose a tool that makes daily tracking effortless and long term planning automatic. Set up FIYR, build a simple budget, add a savings target, and label your next trip or project. In a few weeks, you will have more clarity than you ever had with Mint, and a clear path to the freedom you want.

Ready to get started? Explore the FIYR blog for practical guides and FIRE resources at blog.fiyr.app, then put the tools to work in your own plan today.