Life After Mint: The Best Budgeting Apps for Canadians

If you are reading this, there is a good chance you were a Mint user once. For years it was the default free budgeting app in North America - and then, in March 2024, Intuit shut it down and funnelled everyone into Credit Karma, which quietly dropped most of Mint's budgeting features.

Here is the thing Canadians already knew: Mint was never really built for Canada. Bank connections were flaky, there was no proper TFSA, RRSP or FHSA handling, and it assumed US dollars and US accounts. So the question is not just "what replaced Mint" - it is "what finally does the Canadian job Mint never did."

What to look for in a Mint replacement (in Canada)

• Reliable Canadian bank connections to the big banks, Tangerine, EQ Bank, Wealthsimple and credit unions.
• Registered-account support for TFSA, RRSP, FHSA, RESP and RDSP - not generic investment buckets.
• Multi-currency if any of your money lives in USD.
• Privacy you can trust - Mint monetised user data; the better replacements do not sell it or train AI on it.

The short list

Cadence is the closest fit for Canadians who want the things Mint never offered: real TFSA, RRSP and FHSA tracking, CAD and USD in one place, and budgeting, net worth and goals together. It is a Canadian-made app, priced in CAD, and it does not sell your data. See how Cadence compares to Mint.

Monarch Money is the choice for granular control and advanced, customisable reporting, though it is US-built and light on Canadian registered accounts. YNAB is the pick if you want strict zero-based budgeting and do not mind a learning curve.

Want the full breakdown, including pricing and pros and cons for each? Read our full comparison of the best budgeting apps in Canada for 2026.