Mint Alternatives That Do Not Need Your Bank Login
Intuit shut Mint down in early 2024, and many users moved to apps that work the same way: link your bank and let the app pull everything. If you would rather not, there are other approaches.
Last updated October 22, 2026 · By Harbor Privacy
How Most Replacements Work
Most popular budgeting apps connect to your bank through an aggregator such as Plaid or MX. That is convenient, but it means another company holds a connection to your accounts. See what Plaid is.
What to Look For Instead
- No bank credentials. The app never asks for your bank login.
- A clear data policy. It says plainly that your transactions are not sold or mined.
- Real budgeting features. Categories, recurring transactions, savings goals, and reconciliation.
- Easy exit. You can stop sharing data at any time and export what you have.
- A business model you can see. A paid plan beats a free app that earns from your data.
Types of Alternatives
- Spreadsheets. Free and private, but manual.
- Statement-import apps. You upload files, with no live link.
- Alert-email tools. Forward bank alerts and let the tool build transactions. Harbor Money works this way.
Harbor Money
Harbor Money turns your bank's transaction-alert emails into a budget with categories, goals, recurring transactions, and reconcile-to-balance. No bank login, no aggregator, nothing sold. 7 days free, then $4.99 a month or $40 a year. See Harbor Money.
Related guides: Budget without linking your bank, Bank transaction alerts.
Common Questions
No bank login, nothing sold. 7 days free, then $4.99 a month. See Harbor Money.