Monarch Money
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Monarch Money is built for people who want one place to see everything: bank accounts, credit cards, investments, and real estate. The co-founder led product at Mint before its shutdown, so the tool learned from that experience. It uses AI to categorize spending and offer insights, while the adaptive budgeting adjusts based on your actual habits rather than forcing you into rigid categories.
It's ideal for those with complex finances across multiple institutions. If you're tracking investments alongside day-to-day spending, or you own real estate and want a holistic net worth view, Monarch pulls it all together. The app fills the gap Mint left for power users who need more than just a bill tracker.