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The ad-supported wonder Mint had to shut down in March because it wasn’t making enough money. Unfortunately, those who subscribed to its services were no longer able to access their data on the app, and all of their data was lost. Intuit®, which was in debt to Mint and other platforms like TurboTax® and QuickBooks®, tried to convince everyone to migrate to Credit Karma. One user asked in a Reddit forum why anyone would want to continue working with these companies now that they’ve sent all their customers to hell and back trying to get their data and information back? And users still haven’t gotten their data back.

Your eyes may glaze over as you try to find a replacement app for all your budgeting, tax, estate planning, and investing needs. Any free version of the app can seem anemic at best and leave you wanting more of its capabilities. So, what apps do you need to manage your day-to-day finances and financial planning for now, retirement, and the future? Remember that in this day and age, you want to do it all without breaking the bank.

Here are some great apps that are leading the charge. These apps have comprehensive and integrated add-on solutions that will make a difference in a safer future for the savvy consumer.

1. Origin

While all of these apps offer valuable features, Origin’s comprehensive approach to financial management sets it apart. By integrating tax reporting, estate planning, budgeting, and investment management into one app, Origin eliminates the need for multiple financial tools and, more importantly, multiple fees. The all-in-one solution not only saves time and money, but also offers a seamless user experience. Its “AI assistant” is the equivalent of a lightweight financial advisor who helps you with budgeting, decision making, and understanding your money. Origin’s ability to offer personalized advice and insights into all aspects of your financial life makes it the ultimate one-stop shop for those looking to achieve financial wellness.

Origin is a pioneer in the financial app market, seamlessly combining multiple essential services into one platform. It offers robust tools for tax reporting, estate planning, budgeting, and investing, making it a complete and holistic financial solution. Users can manage their entire financial life through a single app, ensuring streamlined processes and reduced stress. Its intuitive interface and personalized advice cater to both beginners and experienced financial planners, making Origin a top choice for anyone who wants an easy way to take full control of their finances.

Cost: $12.99 per month, $99 per year

Free version: No

2. Monarch Money

Monarch Money excels at offering a highly customizable budgeting experience. It allows users to create personalized financial plans and track their progress with ease. The app’s collaborative features make it a favorite among families and couples who want to manage their finances together. Monarch Money will look at both sides of a couple’s input and help you determine which one has the forward-thinking solution that will give you a better outcome. Since Monarch Money is an app, there is no bias, so there are fewer issues to argue about. It will introduce you to better solutions than you could come up with on your own.

Cost: $14.99 per month, $99 for one year (after 7-day trial)

Free version: No

3. Quicken Simplify

Quicken Simplifi is known for its powerful budgeting tools and real-time expense tracking. It helps users stay on top of their finances with minimal effort, providing insights and recommendations based on individual spending patterns and guiding you toward actions that will help you reach your financial goals faster.

Cost: $5.99 per month, $47.99 per year

Free version: No

4. You need a budget (YNAB)

YNAB promotes a proactive approach to budgeting, encouraging users to assign every dollar a task. Its educational resources and supportive community help users develop better financial habits and reach their goals. You’ll learn what a budget really entails and discover the process to make your financial future brighter with fewer mistakes. YNAB tells it like it is: You need a budget, and it will help you get there with less confusion and trauma.

Cost: $14.99 per month, $99 per year (after 34-day trial)

Free version: No

5. Enhance

Empower is a fantastic combination of budgeting and banking with all the features and personalized financial coaching you need to succeed. Empower is designed to help users take control of their finances with expert guidance and automated tools. You get a complete financial planning and investing tool, with a budgeting feature that is built to be surprisingly easy to use. You will be truly empowered.

Costs: Commissions for investment management services only

Free version: Yes

6. Credit Karma

Credit Karma offers free credit scores and reports, along with personalized financial product recommendations. It helps users monitor their credit health and make informed financial decisions you never thought possible. You’ll see the results of your financial planning reflected in your credit score and create a plan to increase it even further. Financial product recommendations have been studied and proven to help people reach their goals.

Without costs

Free version: Yes

7. EveryDollar

EveryDollar, created by Dave Ramsey, promotes zero-based budgeting, where every dollar is accounted for. It is a great tool for those who follow Ramsey’s financial philosophy with the premium version offering access to coaching. If you listen to Dave Ramsey and have an insight into his practical approach, you will know you are in good hands. EveryDollar is a great choice for beginners in the world of budgeting. You will learn, you will grow, and if you are precise in following the program, you will achieve success.

Cost: $17.99 per month, $79.99 per year (after 14-day free trial)

Free version: Yes

8. Co-pilot

Copilot uses artificial intelligence (AI) to provide personalized financial advice and insights. It helps users optimize their spending and saving habits to achieve better financial outcomes. Copilot uses predictive analytics that predict future spending based on historical data, a popular feature that we recommend. AI is smarter than we are, so why not use it to help you peek into dark corners and point you in the right direction. Copilot is your co-pilot, sitting in your seat and you will feel supported.

Cost: $13/month, $95/year (after one month free trial)

Free version: No

9. Pocket Protection

PocketGuard makes budgeting easy by showing users how much they can safely spend after accounting for bills, goals, and needs. It’s a straightforward approach that makes it easy to stay on track. Users can set custom spending limits for various categories and get real-time alerts to help prevent overspending. PocketGuard is there to protect you from yourself, the one who sometimes has no control. PocketGuard encourages you to be the best version of yourself with your money.

Cost: $12.99 per month, $74.99 per year

Free version: Yes, extremely limited functionality

10. Racial Money

Rocket Money offers an uncommon standout feature: its subscription monitoring tool, which identifies and helps cancel unwanted recurring charges, saving users significant amounts over time. Did you know that the average person starts collecting around $1000 per month in unwanted subscriptions? Unique to Rocket Money is its ability for premium users to detect hidden fees and negotiate refunds on behalf of its users, alerting you to unwanted subscriptions, further maximizing savings for you.

Cost: $6-$12 per month (after 7-day free trial)

Free version: Yes

11. Rocket Dollar

Rocket Dollar is a mobile banking app and fintech platform that helps people use IRAs and 401(k)s so they can invest in alternative assets like real estate, startups, and other cryptocurrencies. Rocket Dollar allows you to diversify your portfolio in a way that someone could invest for you and control your money. This app invests your money with a trust company as custodian that can approve your alternative investments so you don’t end up on a list of prohibited investments that you don’t want to be in. The Rocket Money app helps you track your spending and find ways to save money and is accredited by the Better Business Bureau.

Cost: $4 to $12 per month (after free trial)

Free version: yes, but it’s a bit limited

12. Bitcoin Checking Account

Bitcoin IRA is a free app that allows you to invest in cryptocurrency and build your retirement account with an alternative investment. Some say it is the most trusted cryptocurrency IRA app in the world, allowing you to invest freely in your retirement accounts. There are definite advantages to investing directly in cryptocurrency as a cryptocurrency IRA. You can withdraw your assets once you are eligible for withdrawals and you can use it as a self-directed IRA. Bitcoin IRA has multiple levels of protection on customer funds.

Cost: 0.99% to 4.99% – one-time service fee charged in advance

Free version: No, and it has one of the highest monthly service fees

We hear that there is an economic crisis and everyone’s finances are in the toilet. You don’t want to be part of that crowd and you don’t have to. You can live in prosperity by taking care of your money more precisely with one of these apps. Here you will get the help you need for your financial future.

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