from Hacker News

Ask HN: Mint is shutting down. What are your alternative preferences and why?

by Cherian on 11/7/23, 5:14 PM with 9 comments

My shortlist is: Copilot Money YANB Lunch Money Monarch

In no particular order.

  • by philomath_mn on 11/7/23, 6:20 PM

    Not sure about the others, but I have had a lot of success with the zero-based-budgeting approach used by YNAB. For me it was a totally different way of looking at money which has really improved my spending habits.

    YNAB has a bit of a learning curve so I'd say you should spend a couple of weeks watching their videos and listening to the podcast while adjusting to the new approach. You'll spend most of that time learning zero-based-budgeting, the app itself is very easy to use.

  • by CtrlAlt on 11/7/23, 11:38 PM

    I've been using Copilot for almost 2 years. I'd give it a +1.

    I switched from YNAB since I wasn't really following the YNAB methodology and really just wanted something simpler (set a budget for a category & tell me at the end of the month how I did, and review my transactions for the day).

    Some downsides:

    * Some of the integrations are flaky (AMEX gets logged out almost every day, making me sign in again). Probably not copilot's fault, more like the plaid API.

    * Meh about the yearly subscription. But hey, 95 dollars a year for something I use on a semi-regular basis isn't bad.

  • by Greamy on 11/8/23, 1:59 PM

    I've been taking a look recently at Centsible and planning to try it out. It's similar to the YNAB methodology, only on android or ios for now, but honestly that's what i've been looking for. It doesn't have all the fancy features that other apps have, but probably that's why it is much cheaper as well. Copilot looks pretty good, but it's ios only so I wasn't able to try it out.

  • by runjake on 11/7/23, 7:13 PM

    See this Ask HN thread from a couple days ago:

    https://news.ycombinator.com/item?id=38149401

  • by leet_thow on 11/8/23, 3:00 AM

    Personal Capital which is now part of Empower. Use it every day and it has been an indespensible tool for driving my net worth chart up and to the right.

  • by ibdf on 11/8/23, 5:47 PM

    Rocket Money - but mostly because I get premium features for free. Personal Capital is also good, but I had a few issues getting third-party connections to work.

  • by kilroy123 on 11/9/23, 5:38 PM

    I've been using YNAB for over a year now. It has a learning curve but it works.

  • by kyawzazaw on 11/7/23, 7:04 PM

    I use Dime