The Best Mint Alternative in 2025: What Real Wealth Tracking Looks Like

Mint shut down in 2024. If you are still looking for a genuine replacement that handles investments, multiple currencies, and real wealth building — read this.

In March 2024, Intuit <a href="https://www.nerdwallet.com/article/finance/mint-is-shutting-down" target="_blank" rel="noopener noreferrer">officially shut down Mint</a> — one of the longest-running free personal finance apps in the US. If you were one of its 3.6 million active users, you probably remember the feeling: scrambling to export your data, discovering Credit Karma was not a real replacement, and wondering what was actually worth paying for. If you are an expat or digital nomad, the problem was even worse — because Mint was already barely working for you.

I spent weeks testing every alternative I could find. Most of the "Best Mint Alternative" lists online are sponsored content. Here is what I actually discovered after using these tools with real money across multiple countries and currencies.

Mint shut down — now what?

Mint was never a wealth tracker. It was a spending tracker with a net worth number bolted on. It connected your bank accounts, categorized transactions, and showed you pie charts of where your money went each month. For a lot of people, that was enough. It was free, it worked, and it made budgeting feel less painful.

But here is what Mint never did: it never showed you whether your investments were actually performing well. It never separated currency movements from investment returns. It never gave you an investment portfolio tracker that could handle assets in multiple countries. It never included an investment calculator — not for compound interest, not for retirement projections, not for anything. It was a mirror that only showed one room of your financial house.

When Mint shut down, most users migrated to Credit Karma — which is essentially a credit score tool with ads for financial products. That is not a replacement. That is a downgrade. So the real question is not "what replaces Mint" — it is "what should I have been using all along?"

What expats actually need beyond budgeting

If you live in one country, earn in another currency, and invest through a broker in a third — you already know that budgeting apps are not enough. What international investors actually need is a genuine wealth tracker that shows total net worth across every currency, account, and asset class in real time.

You need a net worth tracker app that connects to accounts in multiple countries, not just US banks. You need a currency dashboard that shows you the forex impact on your wealth — because a 10% gain in your European stocks means nothing if the euro dropped 8% against your base currency. You need an asset monitor that tracks property, crypto, cash, and alternatives alongside your equities. And you need investment calculators that help you plan: a compound interest calculator for projecting growth, a dollar cost averaging calculator for optimising your contributions, and a drawdown calculator for understanding how long your money will last in retirement.

Most of all, you need a portfolio app that does not pretend the world ends at the US border.

Why most alternatives fail international users

I tested the main contenders: Empower (formerly Personal Capital), Monarch Money, YNAB, PocketSmith, Kubera, and several smaller tools. Here is the honest breakdown.

Empower is the best free option if you are entirely US-based. The investment analysis tools are good — fee analyzer, retirement planner, asset allocation view. But there is zero multi-currency support. If you hold GBP, EUR, or AUD assets, Empower cannot see them properly. It is a portfolio monitor built for one market.

Monarch Money ($14.99/month) has the best user experience of any budgeting app I have tested. Clean design, fast, excellent transaction categorization. But like Empower, it is US-focused. No real multi-currency. No investment intelligence. No portfolio rebalancing calculator or portfolio rebalancing tool. It tracks what you spend — it does not help you grow what you have.

YNAB ($14.99/month) is a pure budgeting tool. It is excellent at what it does — envelope budgeting that actually changes behaviour. But it is not a wealth tracker. It does not connect to investment accounts meaningfully. There is no asset monitor, no dividend calculator, no investment calculator growth projections. If you want to track net worth and investments, YNAB is the wrong tool.

PocketSmith ($9.99–$19.99/month) is underrated. It handles multiple currencies, has solid forecasting features, and lets you connect international bank accounts. For pure cash flow planning, it is arguably the best. But the investment tracking is shallow — there is no stock dividend calculator, no dividend income calculator, no expense ratio calculator. It is a cash flow planner, not a wealth manager app.

Kubera ($150/year for personal, $360/year for family) is the closest to a real global net worth tracker app. It handles multi-currency well, connects to international brokers, and tracks crypto, real estate, and vehicles. The price is steep, and there is no investment intelligence layer — no stock analysis, no portfolio rebalancing tool, no ai finance tool capabilities. It shows you what you have. It does not help you decide what to do with it.

What Worthmap does differently

Full disclosure: I am writing this on the Worthmap blog, so take the following with appropriate scepticism and verify for yourself. That said, here is why Worthmap exists and what it is designed to solve.

Worthmap is a wealth tracker and portfolio app built from day one for people whose financial lives cross borders. It handles every currency, every asset class, and every country — not as an add-on, but as a core architectural decision. Your net worth is always visible in your chosen base currency with live conversion rates and a built-in currency dashboard that shows exactly how forex movements are affecting your wealth.

But tracking is just the foundation. What makes Worthmap different is the investment intelligence layer. It includes a full suite of financial tools: a compound interest calculator for projecting long-term growth, a dollar cost averaging calculator for optimising regular contributions, a portfolio rebalancing calculator that tells you exactly what to buy and sell to maintain your target allocation, a dividend calculator and dividend income calculator for modelling passive income, a dividend growth calculator and dividend yield calculator for evaluating income stocks, a stock dividend calculator for individual position analysis, an expense ratio calculator for understanding how fees erode returns, and a drawdown calculator for retirement planning.

Beyond calculators, Worthmap provides investment calculator growth projections, investment calculator compound interest modelling, investment calculator retirement scenarios, and investment calculator monthly contribution planning — all in one place. It is also an ai finance tool that uses AI-powered stock scanning based on Graham Number analysis and fundamental criteria to help you find undervalued opportunities across global markets.

The goal is not just to answer "what do I have?" but "what should I do next?" That is the difference between a spending tracker and a wealth manager app. It is the difference between knowing your financial independence number and actually having a plan to reach it. Worthmap is the portfolio monitor that also thinks.

Start tracking your real wealth today

Mint was a good first step for a lot of people. It normalised the idea of looking at your finances regularly, and that habit alone is valuable. But if you have moved beyond basic budgeting — if you are investing, if you hold assets in multiple currencies, if you are working toward financial independence — you need tools that match the complexity of your actual financial life.

You do not need another spending tracker. You need a wealth tracker that sees everything, a portfolio monitor that shows real performance, an investment portfolio tracker that handles every market, and investment calculators that help you make better decisions. Whether you end up choosing Worthmap or not, make sure whatever you pick is actually built for the way you live — not for a single-country, single-currency world that most of us left behind years ago.

Open the Compound Interest Calculator

Explore the Graham Number Calculator

Run the Currency Exposure Calculator

Tired of apps that stop at the US border? Worthmap tracks your complete wealth across every currency with a live currency dashboard, AI-powered stock analysis, portfolio rebalancing tools, and a full suite of investment calculators — from compound interest to dividend income to retirement drawdown. Your financial independence number is closer than you think.