A free Mint alternative with no bank connection
When Intuit shut down Mint in March 2024, millions of people lost the budgeting and net worth app they relied on, and were pushed toward Credit Karma instead. If you want a simpler replacement that does not link to your bank accounts, Free Cash Tracker is built for exactly that.
It is a free, manual, privacy-first net worth tracker. You enter your balances in a quick snapshot, and it shows your total and your trend over time. No Plaid, no bank logins, no ads, no selling your data.
Why choose a tracker with no bank connection?
- Privacy. No third party ever stores your bank username and password.
- Reliability. Automatic bank syncs break constantly. A manual snapshot never breaks.
- Control. You decide what to track and how to categorise it.
- Focus. A two-minute monthly check-in beats a noisy daily transaction feed for long-term progress.
Free Cash Tracker vs. Mint
| Feature | Mint (discontinued) | Free Cash Tracker |
|---|---|---|
| Bank connection | Required (automatic sync) | None — manual snapshots |
| Net worth over time | Yes | Yes |
| Detailed transaction budgeting | Yes | No — by design |
| Ads / upsells | Yes | None |
| Sells or monetises your data | Yes | No |
| Cost | Free (shut down) | Free |
| Setup time | Link every account | Type in a few balances |
Who it is for (and who it is not)
A good fit if you want a clear, private view of your net worth trend, you are happy to update balances once a month, and you do not want anything connected to your bank.
Probably not for you if you specifically want automatic transaction categorisation and line-by-line budgeting. Free Cash Tracker is intentionally a balance tracker, not a transaction budgeting tool.
How to switch in three steps
- 1. Create a free account. No credit card required.
- 2. Add your accounts as balances. Cash, savings, and investments as positive numbers; debts like credit cards or loans as negative balances.
- 3. Snapshot once a month. Turn on optional reminder emails so you never forget, and watch your trend build.
FAQ
Is Free Cash Tracker really free?
Yes. You can create an account and track your balances for free, with no credit card required.
Does it connect to my bank like Mint did?
No. There are no bank connections and no Plaid. You enter balances manually, which keeps your credentials private and puts you in control of your data.
Will I have to update balances by hand?
Yes, and that is the point. A monthly manual snapshot takes a couple of minutes and avoids broken bank syncs entirely.
Want the step-by-step method? Read How to Track Net Worth, or see the Net Worth Tracker and Cash Tracker App pages.
Ready to start? Create your free account.
Educational content only, not financial advice.