A Mint alternative without a bank connection.
If the part you miss is automatic organization—not handing another aggregator your accounts—replace the capture workflow first.
The short answer
No bank login does not have to mean typing every coffee.
After Mint, most replacement lists point back to connected-account apps. That is useful if the feed was what you valued. If continuous bank access was what you wanted to leave behind, compare four different ways to rebuild your money picture.
Choose connected aggregation
If you want the broadest automatic account history and balances, a connected product such as Copilot or Monarch may be the closest functional replacement.
Choose controlled capture
If you want automation without a required bank connection, combine eligible Wallet events with receipts, recurring records, and cash entry.
Four honest routes
Decide what replaces the bank feed.
“No bank connection” describes what an app avoids. The real product is the capture route that takes its place.
Manual envelope budgeting
Products such as Goodbudget emphasize deliberate manual planning. This is a strong fit if entering transactions reinforces the method and automation is not the goal.
YNAB with unlinked accounts
YNAB officially supports unlinked accounts and manual entry. Choose it if its planning method matters more than automatic capture; Direct Import remains an option where supported.
Statement or file import
CSV and statement upload can reconcile history without continuous bank authorization. It is periodic rather than point-of-sale automation and depends on clean exports.
Wallet automation plus fallbacks
Monetor uses a personal Wallet Transaction automation for eligible taps, then receipt OCR, recurring bills, files, and manual entry for cash and everything Wallet misses.
Replace Mint’s job, not just its logo.
Mint reduced the work of organizing transactions and made category patterns visible. A useful replacement should preserve the part you relied on while changing the data boundary you disliked.
- For automatic history and balances, compare connected aggregators.
- For a planning discipline, compare manual or unlinked budgeting systems.
- For no-required-bank automation on iPhone, compare Wallet Transaction workflows.
- For cash and purchase detail, require receipts and quick manual correction.
- For AMD, USD, and EUR, verify multi-currency behavior before importing anything.
Build the replacement workflow.
Restore automatic organization without restoring the bank login.
Join Monetor early access for iPhone and start with the capture routes you approve.