Best budgeting apps in the UK in 2026 (Mint alternatives)

If you’ve just realised you spent over £100 on coffee last month and need to step back and rethink your spending habits, you’re not alone. Most people have been there at some point.

Below, we cover Mint’s availability in the UK and explore equivalent alternatives for 2026.

Is Mint available in the UK?

Mint is no longer available – anywhere. Intuit (Mint’s parent company) shut down the Mint app entirely in March 2024, after announcing the decision in late 2023. The product was discontinued and existing users were prompted to migrate to Credit Karma, also owned by Intuit, though Credit Karma covers credit monitoring and offers more limited budgeting tools than the original Mint experience. Even before the shutdown, Mint had never officially launched in the UK or Europe – it was always restricted to the US and Canada.

The good news: the personal-finance app ecosystem has matured dramatically over the past few years, and the UK now has some of the strongest budgeting and money-management apps in the world – thanks in large part to the UK’s Open Banking framework (in force since 2018), which lets apps securely connect to your bank accounts to pull transactions and balances. Below are the strongest Mint alternatives for UK residents in 2026.

Best Mint alternatives in the UK

The UK has one of the strongest personal finance app ecosystems in the world, thanks to the country’s Open Banking framework. There are dozens of budgeting apps to choose from, each with distinct strengths – some excel at tracking and categorising spending, others at surfacing wasteful subscriptions, others at automated saving, and others at cutting your monthly bills.

The spectrum is wide, but here are our top picks for 2026:

1. Snoop
   Snoop is one of the UK’s leading personal finance apps – now part of Vanquis Banking Group. Powered by Open Banking, it lets you connect your bank and credit card accounts to track spending across providers, surface ways to cut bills (energy, broadband, mobile), and get personalised AI-driven money-saving insights. The core app is free, with an optional Snoop Plus subscription for advanced features.
2. Moneyhub
   A paid budgeting app that syncs all your accounts, cards, investments, and pensions in one place – giving you a complete picture of your net worth and spending. Clean design, FCA-regulated, and one of the most comprehensive personal finance dashboards available in the UK. Offers both consumer and business tiers.
3. Emma
   A UK-founded, Open Banking-powered app especially good at identifying wasteful subscriptions and unused recurring payments. It also lets you set budget goals, track net worth across accounts, cryptocurrencies, and investments, and surfaces personalised savings recommendations. Free tier available, with Emma Plus/Pro/Ultimate paid tiers unlocking deeper insights.
4. Wise
   Formerly TransferWise, Wise is the go-to option for saving money on international transfers and multi-currency spending. It lets you hold and convert money in 40+ currencies at the real mid-market exchange rate (much cheaper than traditional banks), and comes with a multi-currency Wise debit card (Mastercard or Visa, depending on region). Now serving over 16 million customers globally and listed on the London Stock Exchange (ticker: WISE) on the FTSE 250.

1. Snoop

Looking for a comprehensive tool to help you manage your finances amid the rising UK cost of living? Snoop is one of the leading UK money management apps – free at its core tier, and designed to help you control spending, cut your bills, and keep your finances on track. Snoop is now part of Vanquis Banking Group, which acquired the company in 2022.

Powered by Open Banking, Snoop consolidates information from your bank accounts and credit cards into a single, clean interface. It tracks your spending habits, flags overpayments on bills, and surfaces issues that warrant attention – all automatically.

As a Snoop user, you get access to exclusive offers and personalised deals that can help you save even more. The app’s switching services also help you find better deals on energy, broadband, mobile, and insurance.

Snoop’s personalised spending analysis lets you monitor spending by category (groceries, eating out, transport, etc.) or by merchant, with month-on-month comparisons. You can also set custom budgets for monthly spending and specific categories – either building them from scratch or letting Snoop suggest budgets based on your historical spending patterns.

One of Snoop’s standout features is its proprietary “Snoops” – small, contextual money-saving insights that appear when relevant (e.g., flagging that you can save on your current energy tariff, or that a specific recurring subscription is cheaper elsewhere). By monitoring daily balances and bill increases, the app keeps you continuously informed about your financial situation.

Snoop’s free tier covers core budgeting and spending insights. The optional Snoop Plus subscription (around £4.99/month) unlocks more advanced features including unlimited custom budgets, deeper net worth tracking, and additional reporting.

2. MoneyHub

Moneyhub helps you guard against overspending by linking to your financial accounts and tracking your spending against your monthly budget.

For a subscription starting at around £1.49/month (or roughly £14.99/year on the annual plan), Moneyhub consolidates all your money – current accounts, savings, credit cards, investments, pensions, and even property – into a single dashboard. The result is genuinely powerful insights into your spending habits and overall net worth, plus optional access to qualified Financial Advisers through the platform.

One of Moneyhub’s standout features is its forecasting tool, which models how your wealth might evolve under different scenarios (saving rates, retirement age, market conditions) – similar in spirit to a Monte-Carlo simulation. It’s particularly useful for long-term financial planning.

As the company explains on its website, Moneyhub charges a subscription specifically because it doesn’t sell your data to third parties – a meaningful privacy advantage compared to free apps that monetise user data through advertising or partnerships. Moneyhub is also FCA-regulated, which adds an extra layer of accountability.

On the downside, the “Find an Adviser” feature can feel light on detail, and not every UK financial provider is currently supported – so depending on where you bank or invest, you may not get a fully complete picture of your wealth out of the box.

3. Emma

Emma is a UK-founded money management app that helps you avoid overdrafts, identify wasteful subscriptions, and take control of your finances – all while consolidating multiple accounts into a single platform. Co-founder Edoardo Moreni describes Emma as a “fitness tracker for your money”.

The idea is to let the app do the heavy lifting across the whole spectrum of personal finance: spending tracking, subscription monitoring, budgeting, net worth visualisation, and savings recommendations. The free tier covers core features, while paid tiers – Emma Plus, Pro, and Ultimate (starting at around £4.99/month) – unlock advanced features like unlimited budgets, custom categories, premium support, and deeper net worth tracking across crypto and investment accounts.

Emma offers several features you don’t always find in other budgeting apps:

• Subscription detection: one of Emma’s standout strengths is identifying recurring payments you’ve forgotten about – a meaningful saver for many users.
• “Scramble mode”: lets you show the app to friends or family without revealing your real financial data.
• Cashback offers: personalised rewards at select retailers.
• Fee highlighting: flags banking fees so you can act on them.
• Open Banking-powered: securely connects to UK banks under FCA-regulated Open Banking standards.

On the drawbacks side, not every bank or financial provider is supported (so some accounts may require manual entry), and the savings category and goal-setting tools aren’t as developed as in some competing apps.

User satisfaction is consistently strong – Emma maintains high ratings of around 4.7+ on the App Store and 4.5+ on Google Play across tens of thousands of reviews, well above the budgeting-app category average.

4. Wise

Wise (formerly TransferWise) isn’t a traditional money management app like the others on this list – hence its position at the bottom – but it can be a huge help when travelling abroad or converting money between currencies, which makes it a valuable complement to any UK personal finance toolkit.

Wise’s core proposition is saving you money on the hidden FX fees and markups that traditional banks add to international transfers and foreign card spending. It was founded in 2011 by two Estonians – Taavet Hinrikus (Skype’s first employee) and Kristo Käärmann – who felt they were being overcharged when sending money between the UK and Estonia. Wise went public on the London Stock Exchange in July 2021 (ticker: WISE) and is now a constituent of the FTSE 250.

With a Wise account, you can:

• Hold and convert money across 40+ currencies at the real mid-market exchange rate, with transparent, low fees displayed upfront.
• Receive international payments with local account details in 10+ currencies (GBP, EUR, USD, AUD, NZD, CAD, and more) – useful for freelancers and remote workers.
• Spend internationally with the Wise debit card (Mastercard or Visa, depending on region).
• Make free ATM withdrawals up to £200/month across two withdrawals (a 1.75% + £0.50 fee applies above that threshold).
• Earn interest on GBP, EUR, and USD balances via Wise’s Assets feature (available in eligible markets).

Wise serves over 16 million customers globally, processing tens of billions of pounds in cross-border transfers each year.

On safety, Wise is regulated by the Financial Conduct Authority (FCA) in the UK as an Electronic Money Institution. As a licensed EMI, Wise must safeguard customer funds in segregated accounts (rather than holding them on its own balance sheet) – which adds an additional layer of protection compared with unregulated services. Wise also holds licences with the Central Bank of Ireland, Bank of Lithuania, FinCEN (US), MAS (Singapore), and several other regulators globally.

Bottom line: which should I go for?

The UK has seen a wave of strong budgeting and personal finance apps emerge over the past decade, thanks to Open Banking – the UK regulatory framework (rooted in the EU’s revised Payment Services Directive PSD2) that requires banks to securely share customer data with authorised third parties when the customer consents. This is what makes apps like Snoop, Emma, and Moneyhub possible in their current form.

Choosing between them isn’t always straightforward, since their core offerings overlap meaningfully. The right pick depends on what you most want to optimise:

• If you want a free, comprehensive UK-native app with bill-switching built in: start with Snoop.
• If you want the most complete net worth picture (including investments and pensions) and value privacy: Moneyhub is worth its modest subscription cost.
• If subscription detection and avoiding unnecessary recurring payments is your priority: Emma is one of the best in the category.
• If you travel internationally or send money across borders: add Wise alongside one of the budgeting apps above.

Our suggestion: start with the free tiers to get a feel for each app’s interface and features, then upgrade to a paid tier (or switch apps) only once you know what you actually use day-to-day. Many people end up using a budgeting app for tracking + Wise for international spending – a strong combination.

If none of these resonate, the trusty spreadsheet still works perfectly well (and never quite gets old).

Hope we helped.