Mint alternatives in Canada

There is no single best replacement for Mint in Canada. Monarch and YNAB connect to banks automatically, PocketSmith and Toshl do both feeds and files, Actual Budget is free and keeps data on your own machine, and Tally works only from statement files. Which fits depends on whether you want automatic bank sync. Everything below was checked on 8 October 2026 and prices change.

What happened to Mint?

Intuit shut Mint down in early 2024 and pointed users to Credit Karma. BetaKit reported on 14 December 2023 that Monarch had quietly launched in Canada in early December and had about 3,500 active Canadian users within weeks (BetaKit, checked 8 October 2026).

How do the options compare at a glance?

App	Price as listed	Bank linking	File import	Notes for Canada
Monarch	Core US$99.99 a year, Plus US$199.99 a year	Yes	Not covered here	Has a Canada page; billed in USD
YNAB	US$109 a year or US$14.99 a month; 34-day trial	Yes	Yes	Direct import covers select Canadian banks; one currency per plan
PocketSmith	Free plan; paid from US$9.99 a month billed yearly	Yes	Yes	Its own pages warn about Canadian bank feeds
Toshl Finance	Free plan; paid plans from about US$3.33 a month billed yearly (check)	Optional, Europe-focused	Yes	CAD works as a currency
Actual Budget	Free, open source	Optional (SimpleFIN covers US and Canada)	Yes	Data stays local-first
Tally	Not decided yet	No, never	Yes	In development; TD and Wise formats

Sources are in the sections below.

Monarch

Monarch’s best quality is breadth: automatic sync with a large list of institutions, a couples mode and iOS, Android and web apps. Its pricing page lists Core at $99.99 a year and Plus at $199.99 a year, with a 7-day trial that needs a payment method (Monarch pricing, checked 8 October 2026). Its Canada page says “All prices are billed in USD” (Monarch in Canada, checked 8 October 2026) and suggests you confirm your institutions connect during the trial. Its security page says it uses read-only permissions and is SOC 2 certified (Monarch security, checked 8 October 2026).

Choose it if you want sync to do the work and your banks connect reliably.

YNAB

YNAB’s best quality is its method: give every dollar a job. Its own pages say it costs $109 a year ($9.08 a month) or $14.99 a month, with a 34-day trial and no card needed (YNAB pricing, checked 8 October 2026). It names Plaid and says it never sees your bank credentials (YNAB security, checked 8 October 2026). Its FAQ says direct import “supports select US, Canadian, UK, and EU Banks”, with file-based import for the rest, and that you cannot use multiple currencies together in a single spending plan.

Choose it if you want a strong method and community, and one currency suits you.

PocketSmith

PocketSmith’s best quality is forecasting. It has a free plan, then paid plans from $9.99 a month billed yearly, in US dollars (PocketSmith plans, checked 8 October 2026). It shows native balances and converts to a base currency (multi-currency, checked 8 October 2026). For Canada, its own pricing page warns that many Canadian banks do not allow reliable bank feeds, and its Canada page recommends importing files (PocketSmith Canada, checked 8 October 2026; that note dates from a 2023 update).

Choose it if you want long-range forecasting and several currencies.

Toshl Finance

Toshl’s best quality is flexibility. It has a free tier with file import (CSV, OFX, QFX, QIF and other types) and paid plans, one with bank sync; the price shown for the bank-sync plan was $4.99 a month, or $3.33 a month billed $39.99 a year, but check the current price (Toshl pricing, checked 8 October 2026). Its bank connections are Europe-focused, and Canada is not mentioned on its bank page.

Choose it if you want a light app and many currencies.

Actual Budget

Actual’s best quality is ownership. It is free and open source, local-first, imports QIF, OFX, QFX, CAMT.053 and CSV, and offers optional bank sync through SimpleFIN for the US and Canada, or GoCardless for the EU and UK (Actual Budget, checked 8 October 2026). You can pay a host such as PikaPods to run the sync server, or run it yourself.

Choose it if you are comfortable with some setup and want open source.

Tally

Tally never connects to your bank. You download statement files, and it reads CSV (Wise and TD Canada Trust layouts), OFX, QFX, QBO, QIF and text-based PDF. It has budgets with rollover, a 60-day safe to spend projection, a cash-flow forecast, recurring bill detection, accounts per currency, and a currency converter with 173 currencies that needs no account. There is no AI, no ads and no analytics.

Honest position: Tally is in development. There is no public sign-up, no price, no Google Play listing and no iPhone app. The Android app and web app are in testing, the Windows app is only a demo window, and several features are web-only for now. Read the Tally vs YNAB and Tally vs Monarch pages for side-by-side detail.

How do you choose?

• Want automatic sync? Monarch, YNAB or PocketSmith.
• Want to avoid middlemen? Actual or Tally. Toshl and PocketSmith can run on files too.
• Want open source? Actual.
• Spending in two or more currencies? PocketSmith, Toshl and Tally keep currencies; YNAB uses one per plan.
• Want it all to just work today? A mature app. Tally is not there yet.

No score is given here, because the right pick depends on your banks and how you like to work. See how to budget without linking your bank account if the file route appeals, and open banking in Canada for why bank connections remain patchy.