Mint Is Gone: Alternatives for People Who Don't Budget in English

When Intuit shut Mint down on March 23, 2024, millions of people lost the budgeting app they had used for years. The replacement Intuit offered, its own Credit Karma, did not inherit the features people actually stayed for: according to NerdWallet, monthly budgets and custom spending categories did not make the move, and Credit Karma tracks your net worth and transactions instead.

Since then, hundreds of articles have ranked the "best Mint alternatives". Almost all of them compare the same things: price, bank sync, design. Almost none of them mention the one thing that decides whether an app is usable at all for a huge group of people: the language it speaks.

More than one in five people in the United States speaks a language other than English at home, and roughly 26 million of them rate their own English as less than "very well" (US Census Bureau). For those households the usual recommendation lists are close to useless, because nearly every app on them is English-only.

This article covers both cases honestly: what to use if English works fine for you, and what to use if it does not.

What happened to Mint, in three sentences

Intuit announced in late 2023 that Mint would close, and the shutdown took effect on March 23, 2024. Users were invited to move to Credit Karma, which Intuit also owns. Credit Karma keeps account syncing, spending history and net worth, but it does not offer Mint-style monthly budgets or custom categories, which is why so many former Mint users kept looking.

The comparison nobody publishes: language support

Here is the table the "best Mint alternative" lists leave out. Prices and language support checked October 2026; the language column reflects each app's own interface, not your phone settings.

One detail that surprises people: setting your phone to Spanish, Chinese or Russian does not change anything in an English-only app. App interfaces are translated by the developer, not by the operating system. If the developer ships English only, English is what you get.

If you budget comfortably in English

Then the honest answer is that several paid apps replace Mint well, and which one depends on how you like to budget:

All four are good products. We link to our own comparison pages above, and those pages say plainly where each competitor is stronger than we are.

If English is your second language

The checklist changes. Features matter less than whether you and your family can actually read the app:

This is the gap YPA-FINANCE was built for. The app is free on iOS and Android and works in all 13 languages listed above, including full right-to-left layouts for Arabic and Hebrew. It tracks spending and budgets, builds a debt payoff plan, and explains your credit score factor by factor in plain language (Equifax data via a soft pull that does not affect the score). Support is real people on WhatsApp and Telegram, in several languages.

What YPA-FINANCE does not do

An honest list, because switching apps twice is worse than choosing right once:

If those three points rule us out, pick from the English-only table above with our blessing, and use the free payoff calculator on the web anyway; it needs no account and works in all 13 languages.

Frequently asked questions

Is Mint coming back?

No. Intuit shut Mint down on March 23, 2024 and folded parts of it into Credit Karma, which it also owns. There is no announced plan to revive it.

Does Credit Karma replace Mint?

Only partly. Credit Karma syncs accounts and tracks spending and net worth, but it does not offer Mint-style monthly budgets or custom categories. It is also available in English only.

Which budgeting apps work in Spanish?

Among well-known US budgeting apps, very few. YPA-FINANCE offers a full Spanish interface (plus 12 other languages). YNAB, Monarch Money, Copilot, Rocket Money, Cleo and Credit Karma are English-only as of October 2026.

Is there a free Mint alternative in Chinese, Russian or Arabic?

Yes. YPA-FINANCE is free and its interface is available in Chinese (Simplified), Russian and Arabic, alongside ten other languages. Arabic and Hebrew use full right-to-left layouts.

Will setting my phone to another language translate YNAB or Monarch?

No. An app only appears in the languages its developer shipped. YNAB and Monarch Money ship English interfaces, so they stay in English regardless of your phone's language setting.

Is YPA-FINANCE really free?

Yes. Expense tracking, budgets, the payoff calculator and credit score insights cost nothing, and there are no ads for financial products. The paid extras are the Smart Scanner document explainer and a personal AI assistant; both are optional.