Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moMint did three things at once: track transactions, show net worth, and (poorly) project the future. No single replacement does all three well — so the right answer depends on what you used Mint FOR.
For tracking
Monarch or Copilot
For budgeting
YNAB
For planning
PeakWorth™
For sub-cleanup
Rocket Money
Mint had three layers, and most users only really used one or two of them. Be honest about which layers you need before picking a replacement — otherwise you'll over-pay for features you'll never open.
After testing all of these against the Mint feature set, here's the breakdown:
Mint's planning and projection were basically a placeholder. If you're a serious planner, none of the budgeting apps above (Monarch, YNAB, Copilot, Rocket Money) project your wealth, calculate your FI Age, or model major decisions. That's the gap PeakWorth fills.
Most ex-Mint users end up running a stack: a transaction tracker (Monarch or Copilot) plus a planning engine (PeakWorth). The two combined cost less than what Mint would have been if Intuit had charged for it — and they each do their job dramatically better.
Every app in this roundup — Monarch, YNAB, Copilot, Rocket Money, Empower — answers a present-tense question: what you spent, what you owe, what you own today. None of them converts that into a future date. That's the planning layer Mint faked and never delivered, and it's the one PeakWorth is built around.
PeakWorth takes the savings rate and balances those trackers produce and runs a year-by-year deterministic simulation to age 95 (federal + state taxes, employer match, Social Security, inflation), reporting your FI Age — the year your portfolio reaches ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. Pair any tracker above for the daily view with PeakWorth for the dated finish line.
No single tool replaces everything Mint did; pick by the job you need. Copilot (iOS/Mac budgeting) and Rocket Money (subscription cleanup) are covered in the prose above. Confirm current terms on each provider's site.
| Feature | PeakWorth | Monarch | YNAB | Empower |
|---|---|---|---|---|
| Annual fee | Flat $119.88/yr; free Quick Start, no signup | $99.99/yr or $14.99/mo | $109/yr or $14.99/mo | Free dashboard (advisory ~0.89% AUM) |
| Account minimum | $0 — free Quick Start, no signup | $0 — doesn't custody assets | $0 — doesn't custody assets | $0 dashboard; advisory targets ~$100k+ |
| Automated portfolio management | No — planning layer, not a custodian | No — tracking & budgeting only | No — budgeting only, doesn't hold assets | Yes — via its paid advisory (~0.89% AUM) |
| Best for | Long-term planning + FI Age | Transactions + couples | Budgeting discipline | Net-worth aggregation |
| Transaction tracking | Yes — Plaid linking + AI categorization | Yes — best-in-class | Yes — zero-based budgeting | Yes |
| Net worth tracking | Yes — projected over a lifetime | Yes | Limited | Yes |
| Retirement output (FI Age / long-term projection) | Yes — dated FI Age, year-by-year to age 95 | No | No | Basic 'enough at 65' probability |
| Decision modeling (buy-vs-rent, bonus, debt payoff) | Yes — the Decision Hub | No | No | No |
| Advisor sales outreach | No — ever | No | No | Yes — once linked assets cross ~$250k |
| Dual-income household modeling | Yes — first-class (separate incomes, accounts, and goals) | Yes — multi-user / household support | Limited | Limited |
| Data export | Yes — CSV import/export of your data | Yes — CSV export | Yes — CSV export | Limited |
Generic articles can only go so far. PeakWorth runs every scenario against your real income, expenses, and goals — so you see the dollar-and-year impact of every decision before you make it.
Only the planning layer does. The trackers (Monarch, YNAB, Copilot, Rocket Money, Empower) report today's numbers; PeakWorth runs them forward to age 95 and reports your FI Age — the dated year your portfolio reaches ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. Most ex-Mint users pair a tracker with PeakWorth for exactly this.
Intuit migrated Mint users to Credit Karma, which is a credit-monitoring tool — not a real Mint replacement. Almost all serious users moved to Monarch, YNAB, Copilot, or a combination.
Empower's dashboard is free (with advisor upsell). PeakWorth's Quick Start calculator is free with no signup. Most full budgeting apps (Monarch, YNAB, Copilot) are paid because that's the only way they survive without the Intuit-style ad model.
Monarch Money — same job (transactions + net worth + budgets), better execution. The founder is ex-Mint product.
Most serious planners run two layers: a budgeting/tracking app for the day-to-day, and a planning tool for the long-term. Mint pretended to do both and did neither well.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
Compare
PeakWorth vs Empower
Wealth aggregator vs decision engine.
Compare
PeakWorth vs Robo-Advisor
Betterment & Wealthfront manage. PeakWorth plans.
Compare
PeakWorth vs a robo-advisor
Auto-investing vs an actual dated plan.
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What you own minus what you owe — and your percentile.
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PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, a real-time engine that calculates every decision's impact on your future. The Decision Hub, an AI advisor, and a live projection that show you exactly how each move shapes your wealth and your FI Age.
