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2026-01-30 16:00:36

Managing your finances doesn’t have to be a headache — especially with the right budgeting app at your fingertips. Whether you’re trying to track everyday spending, save for a big purchase or just keep a closer eye on your subscriptions, there’s an app that can help. With Mint shutting down, plenty of users have been looking for the best budget apps to replace it, and luckily there are plenty of solid alternatives.

From AI-powered spending trackers to apps that break down your expenses into easy-to-follow categories, the best budgeting tools help you take control of your money without the hassle of spreadsheets. Some focus on automating savings, while others give you a deep dive into your finances with powerful analytics and custom reporting. If you’re still searching for the right Mint alternative, check out our guide to the best budgeting apps to replace Mint to find the best fit for your needs.

If you’re not sure where to start, we’ve rounded up the top budgeting apps to help you track spending, save smarter, and stick to your financial goals.

Best budget apps of 2026

Other budgeting apps we tested

PocketGuard

PocketGuard used to be a solid free budget tracker, but the company has since limited its “free” version to just a free seven-day trial. Now, you’ll have to choose between two plans once the trial is over: a $13 monthly plan or a $75 annual plan. When I first tested it, I found it to be more restricted than NerdWallet, but still a decent option. The main overview screen shows you your net worth, total assets and debts; net income and total spending for the month; upcoming bills; a handy reminder of when your next paycheck lands; any debt payoff plan you have; and any goals. Like some other apps, including Quicken Simplifi, PocketGuard promotes an “after bills” approach, where you enter all of your recurring bills, and then PocketGuard shows you what’s left, and that’s what you’re supposed to be budgeting: your disposable income.

Although PocketGuard’s UI is easy enough to understand, it lacks polish. The “accounts” tab is a little busy, and doesn’t show totals for categories like cash or investments. Seemingly small details like weirdly phrased or punctuated copy occasionally make the app feel janky. More than once, it prompted me to update the app when no updates were available. The web version, meanwhile, feels like the mobile app blown up to a larger format and doesn’t take advantage of the extra screen real estate. Ultimately, now that the free tier is gone, it just doesn’t present the same value proposition as it once did.

How we test budgeting apps

Before I dove in and started testing out budgeting apps, I had to do some research. To find a list of apps to try out, I consulted trusty ol’ Google (and even trustier Reddit); read reviews of popular apps on the App Store; and also asked friends and colleagues what budget tracking apps (or other budgeting methods) they might be using for money management. Some of the apps I found were free and these, of course, show loads of ads (excuse me, “offers”) to stay in business. But most of the available apps require paid subscriptions, with prices typically topping out around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than that.)

All of the services I chose to test needed to do several things: import all of your account data into one place; offer budgeting tools; and track your spending, net worth and credit score. Except where noted, all of these apps are available for iOS, Android and on the web.

Once I had my shortlist of six apps, I got to work setting them up. For the sake of thoroughly testing these apps, I made a point of adding every account to every budgeting app, no matter how small or immaterial the balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for the same banks half a dozen times over. Hopefully, you only have to do this once.

Budgeting app FAQs

What is Plaid and how does it work?

Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining what it is and how it works. Plaid was founded as a fintech startup in 2013 and is today the industry standard in connecting banks with third-party apps. Plaid works with over 12,000 financial institutions across the US, Canada and Europe. Additionally, more than 8,000 third-party apps and services rely on Plaid, the company claims.

To be clear, you don’t need a dedicated Plaid app to use it; the technology is baked into a wide array of apps, including all of the budgeting apps listed in this guide. Once you find the “add an account” option in whichever one you’re using, you’ll see a menu of commonly used banks. There’s also a search field you can use to look yours up directly. Once you find yours, you’ll be prompted to enter your login credentials. If you have two-factor authentication set up, you’ll need to enter a one-time passcode as well.

As the middleman, Plaid is a passthrough for information that may include your account balances, transaction history, account type and routing or account number. Plaid uses encryption, and says it has a policy of not selling or renting customer data to other companies. However, I would not be doing my job if I didn’t note that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for collecting “more financial data than was needed.” As part of the settlement, Plaid was compelled to change some of its business practices.

In a statement provided to Engadget, a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that “the crux of the non-financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid’s role in connecting their accounts, and ensuring that our workstreams around data minimization remain on track.”

Why did Mint shut down?

When parent company Intuit announced in December 2023 that it would shut down Mint, it did not provide a reason why it made the decision to do so. It did say that Mint's millions of users would be funneled over to its other finance app, Credit Karma. "Credit Karma is thrilled to invite all Minters to continue their financial journey on Credit Karma, where they will have access to Credit Karma’s suite of features, products, tools and services, including some of Mint’s most popular features," Mint wrote on its product blog. In our testing, we found that Credit Karma isn't an exact replacement for Mint — so if you're still looking for a Mint alternative, you have some decent options.

What about Rocket Money?

Rocket Money is another free financial app that tracks spending and supports things like balance alerts and account linking. If you pay for the premium tier, the service can also help you cancel unwanted subscriptions. We did not test it for this guide, but we'll consider it in future updates.

2026-01-30 07:41:35

Apple shared its latest quarterly financial results today and the news is once again very, very good for the Cupertino company. The quarter ending December 27, 2025 marked "the best-ever quarter" for iPhones, which generated a record high revenue of nearly $85.27 billion for the business. Apple doesn't disclose the number of devices sold any more, but even with the prices for many of its latest generation of smartphones surpassing $1,000 a pop, that's still got to be a heck of a lot of iPhones. 

"The demand for iPhone was simply staggering," CEO Tim Cook said on the conference call to discuss the results. "This is the strongest iPhone lineup we've ever had and by far the most popular."

That wasn't the only massive number in the earnings report. Services revenue also logged its biggest quarter yet, growing 14 percent over the same period last year to reach just over $30 billion. It was also Apple's biggest quarter to date for total revenue, which was nearly $143.76 billion for the already fabulously wealthy company.

2026-01-30 06:47:49

The National Center for Missing and Exploited Children said it received more than 1 million reports of AI-related child sexual abuse material (CSAM) in 2025. The "vast majority" of that content was reported by Amazon, which found the material in its training data, according to an investigation by Bloomberg. In addition, Amazon said only that it obtained the inappropriate content from external sources used to train its AI services and claimed it could not provide any further details about where the CSAM came from. 

"This is really an outlier," Fallon McNulty, executive director of NCMEC’s CyberTipline, told Bloomberg. The CyberTipline is where many types of US-based companies are legally required to report suspected CSAM. “Having such a high volume come in throughout the year begs a lot of questions about where the data is coming from, and what safeguards have been put in place.” She added that aside from Amazon, the AI-related reports the organization received from other companies last year included actionable data that it could pass along to law enforcement for next steps. Since Amazon isn’t disclosing sources, McNulty said its reports have proved “inactionable.”

"We take a deliberately cautious approach to scanning foundation model training data, including data from the public web, to identify and remove known [child sexual abuse material] and protect our customers," an Amazon representative said in a statement to Bloomberg. The spokesperson also said that Amazon aimed to over-report its figures to NCMEC in order to avoid missing any cases. The company said that it removed the suspected CSAM content before feeding training data into its AI models. 

Safety questions for minors have emerged as a critical concern for the artificial intelligence industry in recent months. CSAM has skyrocketed in NCMEC's records; compared with the more than 1 million AI-related reports the organization received last year, the 2024 total was 67,000 reports while 2023 only saw 4,700 reports. 

In addition to issues such as abusive content being used to train models, AI chatbots have also been implicated in several dangerous or tragic cases involving young users. OpenAI and Character.AI have both been sued after teenagers planned their suicides with those companies' platforms. Meta is also being sued for alleged failures to protect teen users from sexually explicit conversations with chatbots.

2026-01-30 05:17:40

Two Elon Musk companies are reportedly planning to merge. On Thursday, Reuters reported that SpaceX and xAI are holding merger talks ahead of a planned IPO. Part of their plan is to launch AI data centers into space (but unfortunately, only as far as Earth's orbit).

Last week, it was reported that Musk planned to take SpaceX public despite having once said it wouldn’t happen until the company had a presence on Mars. Now, the IPO could happen as early as this year. Shares of xAI would reportedly be exchanged for shares in SpaceX under the merger. Reuters reports that two entities were set up in Nevada on January 21 to facilitate the deal.

If the idea of two Musk companies becoming one sounds familiar, that's because it happened less than a year ago. In March 2025, xAI bought X, putting Grok (known for nonconsensual "nudifying" images) and X (infamous for being a far-right hellscape) together under one unholy roof.

The latest idea Musk is pitching is blasting AI data centers off into space. At last week's gathering of the rich and powerful in Davos, Switzerland, he said, "The lowest cost place to put AI will be in space. And that will be true within two years, maybe three at the latest." The idea is that data centers in orbit could harness solar power and reduce cooling costs. However, industry analysts and executives consider it a risky bet, questioning whether the savings would warrant the massive investment. If or when the AI bubble bursts, the plan could go down in flames — if not literally, then figuratively.

2026-01-30 04:40:01

The Internet Archive has often been a valuable resource for journalists, from it's finding records of deleted tweets or providing academic texts for background research. However, the advent of AI has created a new tension between the parties. A few major publications have begun blocking the nonprofit digital library's access to their content based on concerns that AI companies' bots are using the Internet Archive's collections to indirectly scrape their articles.

"A lot of these AI businesses are looking for readily available, structured databases of content," Robert Hahn, head of business affairs and licensing for The Guardian, told Nieman Lab. "The Internet Archive’s API would have been an obvious place to plug their own machines into and suck out the IP."

The New York Times took a similar step. "We are blocking the Internet Archive's bot from accessing the Times because the Wayback Machine provides unfettered access to Times content — including by AI companies — without authorization," a representative from the newspaper confirmed to Nieman Lab. Subscription-focused publication the Financial Times and social forum Reddit have also made moves to selectively block how the Internet Archive catalogs their material.

Many publishers have attempted to sue AI businesses for how they access content used to train large language models. To name a few just from the realm of journalism:

• The New York Times sued OpenAI and Microsoft

• The Center for Investigative Reporting sued OpenAI and Microsoft

• The Wall Street Journal and New York Post sued Perplexity

• A group of publishers including The Atlantic, The Guardian and Politico sued Cohere

• Penske Media sued Google

• The New York Times and the Chicago Tribune sued Perplexity

Other media outlets have sought financial deals before offering up their libraries as training material, although those arrangements seem to provide compensation to the publishing companies rather than the writers. And that's not even delving into the copyright and piracy issues also being fought against AI tools by other creative fields, from fiction writers to visual artists to musicians. The whole Nieman Lab story is well worth a read for anyone who has been following any of these creative industries’ responses to artificial intelligence.

2026-01-30 03:29:13

As fans and media prepare to descend on the Bay Area for Super Bowl LX, what does a high-tech city like San Francisco do? Why, call in the robotaxis, of course. On Thursday, Alphabet's Waymo began offering fully autonomous rides at San Francisco International Airport (SFO).

There are some limits. For now, SFO access is restricted to "a select number of riders." However, access will gradually expand over the coming months. The service is also limited to the SFO Rental Car Center (pickups and drop-offs) at launch. Waymo says it will expand to other airport locations, including terminals, "in the future."

The San Francisco Standard notes that SFO is now the third airport in Waymo's repertoire. The San Francisco launch follows the company's service at Phoenix Sky Harbor and San Jose Mineta. As for the Bay Area, Waymo now serves more than 260 square miles in the region.

Unfortunately, this isn't Waymo's only appearance in the news this week. On Wednesday, the company said one of its robotaxis struck a child, who sustained minor injuries. The incident took place on January 23 in Santa Monica. The National Highway Traffic Safety Administration (NHTSA) has opened an investigation.