The free Mint alternative built for Canadians.
Mint shut down — your budget shouldn’t. EMOH Pay brings back everything you loved about Mint, free and CAD-native: bank sync, budgets, spending insights. Plus what Mint never had — family sharing and an AI money assistant. No ads this time, either.
Mint closed the door. Here’s what you lost.
Intuit shut Mint down in 2024 and pointed everyone to Credit Karma — which isn’t a budgeting app.
Mint’s replacement dropped category budgets — the one feature people actually used.
The recommended alternatives — YNAB, Monarch — cost ~US$109/yr. Free users got priced out.
Mint’s Canadian support was always patchy — and its replacements are even more US-first.
“Free” at Mint meant ads and offers. The catch was the business model.
Like Mint, minus the ads. Plus an upgrade.
Every core Mint feature, rebuilt free for Canada — with the modern tools Mint never shipped.
Bank sync, like Mint
Secure read-only connections to RBC, TD, Scotiabank, BMO, CIBC and credit unions via Plaid — or manual entry for full control.
Budgets & categories, like Mint
Category budgets for groceries, rent, and utilities with real-time expense tracking and spending insights.
Net worth, like Mint
Assets, debts, and savings in one picture — watch your financial progress over time.
Family account sharing
One budget for the whole household with separate logins and expenses tagged by person. Family budgeting →
Ask AI money assistant
“What did I spend on groceries?” Instant answers from your real numbers — no report digging. Explore Ask AI →
GST/HST tax summaries
CAD-native, bilingual EN/FR, and tax-season-ready — built for Canada, not ported to it.
From Mint memories to EMOH in 4 steps
Most former Mint users are fully set up in 10–20 minutes.
Life after Mint looks pretty good
Former Mint users across Canada track expenses, build budgets, and grow net worth on EMOH — free, like it used to be.
Every EMOH Pay feature — all free
The complete smart daily money tracking toolkit, — everything Mint had, and plenty it didn’t.
Where former Mint users actually land
The usual recommendations cost ~US$99/yr. The free one is built in Canada. Full breakdowns in EMOH vs YNAB and our free budgeting app guide.
| What Mint users need | EMOH Pay | Credit Karma | Monarch | YNAB |
|---|---|---|---|---|
| Price | Free | Free (ads) | ~US$99/yr | ~US$99/yr |
| Category budgets like Mint | — | |||
| Ad-free | — | |||
| Household sharing free | — | Paid | Paid | |
| AI money assistant | — | Paid | — | |
| Built for Canada (CAD, GST/HST, FR) | — | — | — |
Comparison based on publicly listed pricing and features as of June 2026 — verify current details with each provider. Mint was discontinued by Intuit in 2024.
Mint alternative FAQ
What is the best free Mint alternative in Canada?
EMOH Pay is a free Mint alternative built in Canada. Like Mint, it offers bank syncing, budgets, and spending insights at no cost — and adds family account sharing, an Ask AI money assistant, GST/HST-aware tax summaries, and 148 currencies, with no ads.
What happened to Mint?
Intuit shut Mint down in early 2024 and pointed users to Credit Karma, which lacks Mint’s budgeting tools. Canadian users were left without a free, full-featured budgeting app — the gap EMOH Pay was built to fill.
Does EMOH sync with Canadian banks like Mint did?
Yes. EMOH connects to Canadian financial institutions through Plaid with secure, read-only access — RBC, TD, Scotiabank, BMO, CIBC and credit unions — or you can track balances manually.
Is it free like Mint was?
Yes — and without Mint’s ads. Budgets, expense tracking, bank sync, family sharing, Ask AI, savings goals and net worth are all free, with no trials and no data selling.
How do I switch from Mint to EMOH Pay?
Download EMOH Pay free, connect your banks via Plaid or add balances manually, set your category budgets, and invite your household. Most people are fully set up in 10–20 minutes.
More ways to budget with EMOH Pay
Miss Mint? Move on — for free.
Everything you loved, nothing you didn’t — rebuilt for Canada. Set up in 10 minutes.
Spending trends — minus the adsWhat should you know about everyday budgeting?
Everyday budgeting comes down to three habits: know what comes in, decide where it goes, and check in daily. EMOH Pay makes all three effortless — free expense tracking and budgets on phone and web, a Daily Money Digest each morning, and bank-grade AES-256 security throughout.
Everyday budgeting: the essentials
Five minutes a week with a daily digest beats a perfect spreadsheet you abandon in February.
Money works better as a team sport — shared live numbers end the guesswork and the arguments.
You can start everyday budgeting today at $0 — no card required, on iPhone, Android or the web.
The first win in everyday budgeting is simply seeing where money goes. Tracking alone typically surfaces 10–15% of easy savings.
One app for everyday budgeting — on every screen.
Track on your phone in the checkout line, review on the web app at your desk. EMOH Pay keeps everyday budgeting in sync the second anything changes, so the numbers you act on are always current.
Start free on the web➜ Explore all features➜Real spending, really tracked
From the morning coffee to the monthly rent — Canadians log, tag and learn from every expense on EMOH Pay.
Everything you need for everyday budgeting
Track Smart, Spend Smart! The complete toolkit, free to start:
Log any expense in two taps — or let bank sync do it automatically. Every dollar gets a category.
The tax portion of every expense, separated automatically for a calmer tax season.
Digital envelopes for groceries, rent and fun, with gentle alerts before you overspend.
One calm summary every morning: what you spent, what's left, what needs attention.
Assets minus debts, always current — watch the number that actually measures progress.
Turn any month into a clean report you can share with a partner or accountant.
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Start free today
Free on iPhone, Android and the web. Upgrade to EMOH Pro anytime — unlimited banks, family and EMOH Smart for just $4.99/month.
Get started free — Web App➜ Log in➜