Mint shut down on March 23, 2024. Intuit folded the brand into Credit Karma in the US, and Canadian users got nothing — Credit Karma never launched here, so Canadian Mint accounts went dark without a migration path.
Two years later, the replacement market has settled. Some of the apps that were "the answer" in early 2024 have stagnated or quietly stopped working with Canadian banks. Others have matured. This post is an honest comparison of the seven that genuinely work for Canadians in 2026, including the one I built. None of the links are affiliate links. Where another app is better for your situation, I'll say so.
The short version
If you want the picks before the reasoning:
- You want the closest spiritual successor to Mint and you can live with the Canadian compromises → Monarch. Mature product, decent Canadian bank coverage via Plaid, but data lives in the US, no real multi-currency, English-only, and the investment side is weak.
- You're a hands-on budgeter who wants envelope-style zero-based budgeting → YNAB. Nothing else comes close on this philosophy.
- You're already a Wealthsimple customer and don't bank anywhere else → Wealthsimple. The free everything-in-one-place view is genuinely useful.
- You're a power user with multiple brokerages and want a calm net-worth picture, not a budget → Mozaic Finance. (Disclosure: I built this one.)
- You're a long-term cash-flow planner who wants to project decades out → PocketSmith.
- You want the prettiest, fastest, most polished daily-checker app → Copilot, if you're in the US. (Sadly, not Canada — see below.)
- You're a solo developer who wants a hackable, API-first tool → Lunch Money.
The rest of the article explains why.
Methodology
I evaluated each app on six axes:
- Canadian bank coverage — does it actually connect to the institution you bank with, or does the marketing page list "Canada" and then quietly mean "RBC and TD only"?
- Multi-currency — CAD-and-USD mixing is non-optional for most Canadians once you hold any US assets.
- Brokerage coverage — Wealthsimple, Questrade, Interactive Brokers, BMO InvestorLine, RBC Direct Investing, TD Direct Investing.
- Pricing transparency — including whether the entry price is the real price or a trap-door to a higher tier.
- Privacy posture — read-only connections, encryption, jurisdiction, data-sales policy.
- Maintenance signals — last public release, public roadmap, customer-support response time on issues reported on Reddit or community forums.
None of this is graded out of ten because "the best app" depends entirely on what you want it to do.
Monarch
Verdict: a mature, well-funded Mint clone — built for Americans, with real Canadian compromises.
Monarch is what Mint became for US users. The team is well-funded, the product is mature, and the Canadian bank coverage is the best of any non-Canadian-built option — they ride Plaid for Canadian institutions, which means RBC, TD, Scotia, BMO, CIBC, National Bank, Tangerine, Simplii, and most credit unions are reachable. Coverage gaps are real (some smaller credit unions and Equitable Bank's HISA still lean on screen-scraping which Plaid handles unevenly), but the gap closes every quarter.
The product itself does the full Mint package: transactions, budgets, net worth, cash-flow charts, recurring detection, manual accounts. The UI is good. The mobile app is good. The data export is real CSV with all your history, not a screenshot.
That's where the good news ends. Monarch is built for Americans, and the Canadian compromises stack up fast:
- Your data sits in the US. Monarch is a US company and your financial history lives on US-region cloud infrastructure. Nothing illegal about it, but it means your data is subject to US law — the CLOUD Act, US subpoenas, US-government access requests — rather than PIPEDA and Quebec Law 25. If your account histories, balances, and transactions leaving Canadian jurisdiction is a concern, it should be on your checklist before you connect a single bank.
- No real multi-currency. Monarch is USD-first. You can tag an account as CAD, but the net-worth math, the budgets, and the trend charts all flatten through a single base currency without the daily-FX rigour most Canadians need the moment they hold any US assets. Mixing a CAD chequing account, a USD brokerage, and a CAD RRSP and getting an honest consolidated picture out the other side is not what Monarch does well.
- English only. No French interface. If you're a Québécois user — or you're buying this for parents or a partner who prefer to manage money in French — Monarch isn't an option. There is no roadmap commitment to ship French either.
- Investments are poor. They show holdings but the portfolio analysis is shallow — no time-weighted return, no per-account performance benchmarking, no asset-class drift alerts beyond the most basic kind, no proper handling of dividend reinvestment or cost basis across currencies. If you have multiple brokerages and want to actually understand your portfolio, Monarch answers "what do I have?" and not much beyond it.
Pricing: $14.99 USD/month or $99.99 USD/year. At today's CAD, that's about $140/year, billed in USD with whatever foreign-transaction fee your card layers on top. There's a 7-day free trial.
Pick Monarch if: you bank entirely in CAD with one or two of the big six, you're comfortable with your financial data living under US jurisdiction, you don't need a French interface, and you mostly care about budgeting and cash flow rather than understanding a real multi-currency, multi-brokerage portfolio.
YNAB (You Need A Budget)
Verdict: the only zero-based budgeting tool that has actually shipped for fifteen years and still feels alive.
YNAB is in a category of one. Every dollar you earn gets assigned a job before you spend it — the classic envelope method, ported to software, ported again to a web app, and updated continuously since 2004. The methodology is opinionated; the people who love it really love it; the people who hate it really hate it.
For Canadians, YNAB connects to most major banks through Plaid. The connection quality is what you'd expect from Plaid in Canada (good for the big six, mixed for credit unions). Importantly, YNAB does not require account aggregation to work — many YNAB users enter transactions by hand, on purpose, because the friction is the point. If your bank doesn't connect, the app doesn't fall apart.
The investments story is essentially nonexistent — YNAB is a cash-flow and budgeting tool, not a wealth tracker. Treat it as the thing it is.
Pricing: $14.99 USD/month or $109 USD/year (the annual is the deal). There's a 34-day free trial.
Pick YNAB if: you want to fundamentally change your relationship with money. If you mostly want to see what your money is doing rather than change what you do with it, YNAB is overkill — Mozaic is the better fit.
Mozaic Finance
Verdict: built for Canadians who connect multiple banks and multiple brokerages and want a calm, accurate net-worth picture.
Disclosure: I built this. I'm going to try to describe what it does well and what it doesn't, and let you decide whether it fits.
Mozaic is a calm financial dashboard. It connects to Canadian and US banks through Plaid, to Canadian and US brokerages through SnapTrade (Wealthsimple, Questrade, Interactive Brokers, Robinhood, Fidelity, Schwab, and a long list of others), and it mixes CAD and USD properly with daily exchange rates. The thing it's best at is the consolidated net-worth view: across every account you own, in one place, with the multi-currency math done right.
What it's deliberately not: a zero-based budgeting tool. There are categories and trends (with an explicit rule engine and AI-suggested rules for categorization), but there's no envelope methodology, no per-category budget targets, no "every dollar has a job." If that's what you want, pick YNAB or Monarch.
What it's deliberately careful about: the security posture. Bank and brokerage connections are read-only — the tokens we hold cannot initiate a transfer, place a trade, or change a position. Data lives in Google Cloud's Montréal region (PIPEDA, Quebec Law 25). Sensitive fields are encrypted at the application layer before they reach the database. None of that is novel — it's table stakes — but it's worth checking on every app on this list. The full architecture is at /security.
Pricing: $99 CAD/year, flat. No monthly tier, no upsells, no free version. Free 14-day trial. Full pricing is at /pricing.
Pick Mozaic if: you have multiple banks and at least one brokerage account, you want a single calm picture of what you have, and you'd rather pay annually than negotiate a monthly upsell ladder.
Lunch Money
Verdict: indie favourite, API-first, deeply hackable.
Lunch Money is a solo-developer product (Jen Yip, formerly of Boomerang). It is the most feature-rich app on this list and the most genuinely customizable — there's a real REST API, a CSV import that handles edge cases, a manual-account model that's first-class rather than an afterthought, and a community of users who write their own integrations.
For Canadians: Lunch Money connects to Canadian banks through Plaid, and the experience is comparable to Monarch's. The investment tracking is light but present.
What Lunch Money is honest about: there's no mobile app of the same calibre as the web app. The web app on mobile is good; the native app is more limited. If you live in your phone, this matters.
Pricing: $10 USD/month or pay-what-you-want annual from $60 USD/year (raised from $50 on 2026-03-15). Free 14-day trial.
Pick Lunch Money if: you want to bend the tool to your shape, you don't mind the smaller team, and you appreciate that indie products move slower but break less.
Copilot
Verdict: the most polished personal-finance app on the market — and it doesn't work in Canada.
Copilot is what people mean when they say "the iOS app that looks like Apple made it." The UI is the best on this list, the categorization model is the smartest, and the calm-by-design ethos is genuine.
It is also US-only. Copilot has been promising Canadian support since 2022 and as of this writing in May 2026 it still has not shipped. If you live in Canada, Copilot is not on your shortlist no matter how much the reviews glow.
Pricing: $13/month USD or $95/year USD. Free 30-day trial.
Pick Copilot if: you live in the US. If you live in Canada, watch the changelog and check back in 2027 — but don't wait.
Wealthsimple
Verdict: the right answer if Wealthsimple is already where your money is.
Wealthsimple has quietly built one of the better "everything in one place" views in Canada, and it's free. If you already use Wealthsimple Cash, Wealthsimple Invest, and Wealthsimple Trade, the consolidated view across all three is genuinely useful and costs nothing.
The catch: Wealthsimple shows you Wealthsimple. It does not connect to other banks or brokerages. If you have a Wealthsimple TFSA but your chequing is at TD and your RRSP is at Questrade, you cannot see the picture in one place inside Wealthsimple.
This is not a flaw, it's a scope decision. The Wealthsimple "consolidated view" is a value-add for existing Wealthsimple customers, not a Mint replacement aimed at the broader market.
Pricing: Free. (Wealthsimple makes money on trading fees, currency conversion, and managed-portfolio fees, not on charging for the app.)
Pick Wealthsimple if: all of your money is already at Wealthsimple, or you'd be happy moving it there. If your accounts are spread across multiple institutions, Wealthsimple can't see them — Mozaic is built for that case.
PocketSmith
Verdict: the long-horizon planner. Decades out, not weeks out.
PocketSmith is a New Zealand product with a serious following among Canadians who want to plan over years and decades rather than months. The headline feature is the long-range forecast: project your cash flow, savings, and net worth out as far as you like, with scenarios, and watch the picture change as you change assumptions.
Canadian bank coverage is via Yodlee (different aggregator than Plaid), which historically lagged on Canadian institutions but has closed most of the gap. Coverage is checkable on their site before you sign up.
The UI is busy and the learning curve is real. PocketSmith rewards the user who is willing to invest a weekend learning it.
Pricing: Tiered. The "Foundation" tier is free with limits, "Flourish" is $14 USD/month, "Fortune" is $24 USD/month. Almost everyone ends up on Flourish or Fortune to get the connection limits they need.
Pick PocketSmith if: you want to model the next twenty years of your financial life and you're willing to put in the setup time.
Honourable mentions and apps that did not make the cut
- Hardbacon. Shut down in 2024. No active replacement from the same team. If you're a former Hardbacon user, see our dedicated guide (link coming with the next article in this series).
- Mvelopes. Shut down in 2021.
- Tiller. Spreadsheet-based, works in Canada, niche audience. If you want to live in Google Sheets, Tiller is the right answer — but most readers of this article don't want to live in Google Sheets.
- Personal Capital / Empower. US-only for retail accounts. Has shown no signs of Canadian launch.
- Quicken. Still exists. Desktop product. Canadian SKU is maintained on a different cadence than the US version. If you used Quicken in the nineties and want that experience back, it's there. If you didn't, you don't want it now.
How to choose, in plain language
If you want a Mint replacement that feels like Mint — and you can live with US-hosted data, an English-only interface, no real multi-currency, and weak investment tracking — pick Monarch.
If you want to change your behaviour, pick YNAB.
If your money is at one bank, pick Wealthsimple if it's that bank. If it isn't, Monarch is the closest like-for-like Mint clone — provided you're comfortable with US-hosted data, an English-only interface, no real multi-currency, and weak investment tracking.
If you have three or more accounts across two or more institutions and you want a calm picture of what you have without the upsell ladder, pick Mozaic.
If you want to model decades, pick PocketSmith.
If you want a beautiful indie product and you're willing to wait on the mobile experience, pick Lunch Money.
If you live in the US, the Copilot review applies.
The honest summary is that the best personal-finance app for you depends on what you're trying to do — budget, project, consolidate, or just see the picture. Pick the one whose pitch matches your question and ignore the rest of the marketing.
A note on the playing field
Every app on this list is run by a real company with real people. The ones that are still here in 2026 are here because they earn their keep. Mint did not — Intuit could not figure out how to monetize a free app whose users were attached to the "free" part — and so the market reset. The new normal is $5–$15 per month for a personal-finance tool, and the user gets a better product because the business model is honest.
If you want to see how Mozaic compares head-to-head against the specific app you're considering, the pricing page has the full breakdown. If you want to understand the security posture before you connect a bank, the security page is the long-form version of the four paragraphs above.
And if you've read this far and have a Canadian personal-finance app you think deserved a mention, email me — laurent.risser@mozaicfinance.com — and I'll consider it for the next revision.