After Mint: what equity-comp and cross-border earners should look for in 2026
Last updated June 2026
When Intuit shut down Mint in early 2024, millions of people had to choose a new way to track their money. Two years on, there are good options for everyday budgeting. If your financial life includes equity compensation, margin, cross-border taxes, or illiquid assets, the decision is less about replacing a spending chart and more about choosing the right planning context.
The landscape, by job
- Household budgeting — best when the core need is shared categories, recurring bills, and monthly habits.
- Zero-based budgeting — best when you want a disciplined method and are willing to maintain the workflow.
- Mobile-first tracking — best when clean categorization and day-to-day transaction review matter most.
- Advisory portals — best when you want a human advisor relationship alongside software.
If you mainly want budgets and a net-worth number, choose the tool that makes those habits easiest to keep. This guide is for people whose next decision depends on risk, tax context, or assets a basic sync may not see.
What complex households should check
If any of these describe you, make sure the tool supports the decision you actually need to make:
- You hold equity comp (RSUs, ESPP, options). Vesting schedules, concentration in your employer's stock, and the tax of selling are the whole game — and they're mostly invisible in a budgeting app.
- You borrow on margin. You need to know how close your portfolio is to a forced liquidation. (Here's the formula to use.)
- You're cross-border (US ↔ Canada). Capital-gains tax is taxed completely differently on each side, so the account you sell from can matter. (A tax-aware selling order, explained.)
- Your real net worth includes illiquid things — a private mortgage, startup equity, a loan to family, a car, foreign accounts banks can't auto-sync. If the number ignores those, it's a partial number.
What to actually look for in 2026
- It helps identify the next move to review, not just where money went.
- It explains portfolio risk — margin distance-to-call and over-concentration.
- It can use your tax context (US LTCG + NIIT, or Canadian inclusion × marginal rate), not a flat guess.
- True net worth — including the manual / illiquid assets a sync can't see.
- Read-only and privacy-forward — it can't move your money, and it should be clear how your data is used.
Where Orbeva fits
Orbeva Finance is built for exactly this person: leveraged, equity-comp, cross-border, or simply complex enough that the next decision needs more context than a spending chart. It shows a move worth reviewing, the funding tradeoffs behind it, margin and concentration risk, and the assets a bank sync may not see. Read-only, founder-run, flat price — no AUM cut, no money movement. See where Orbeva fits.
General information, not financial advice. Product categories vary by vendor and can change over time.