Mint shut down — what equity-comp and cross-border earners should use in 2026

Last updated June 2026

When Intuit killed Mint in early 2024, ~3.6 million people were pushed into Credit Karma — a credit-score product, not a budgeting tool — and scattered to paid apps instead. Two years on there's a clear set of replacements for everyday budgeting. But if your financial life is more complicated than a spending chart, most of them quietly leave the hard parts on your plate.

The honest landscape (for most people)

• Monarch Money — the popular all-in-one for couples and net-worth tracking. Solid, polished, ~$99/yr.
• YNAB — the best zero-based budgeting method there is, if you'll do the work. No investment tracking.
• Copilot — beautiful, Apple-first, strong auto-categorization.
• Empower — a free dashboard — that funnels you toward a 0.49–0.89% AUM advisor.

If you mainly want budgets and a net-worth number, pick one of those and move on. This article is about the people they don't serve.

What none of them do well

If any of these describe you, the mainstream apps have real blind spots:

• 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. No mainstream app tells you how close your portfolio is to a forced liquidation. (Here's the formula they ignore.)
• You're cross-border (US ↔ Canada). Capital-gains tax is taxed completely differently on each side, and no consumer app handles which account to sell from at your real rate. (The tax-optimal 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

1. It tells you the next move, not just where money went. The hardest, most valuable layer.
2. It watches portfolio risk — margin distance-to-call and over-concentration.
3. It uses your real tax rate (US LTCG + NIIT, or Canadian 50% inclusion × marginal), not a flat guess.
4. True net worth — including the manual / illiquid assets a sync can't see.
5. Read-only and not the product — it can't move your money, doesn't sell you an advisor, and doesn't train on or sell your data.

Where Orbeva fits

Orbeva is built for exactly this person: leveraged, equity-comp, cross-border, or simply complex enough that a budgeting app isn't the point. It tells you your single highest-impact move and the tax-optimal way to fund it, watches margin and concentration risk, counts the assets banks can't see, and uses your real US or Canadian rate. Read-only, founder-run, flat price — no AUM cut, no upsell. See exactly how it compares.

Start free → Compare the options

General information, not financial advice. Competitor details reflect publicly available features as of 2026 and our reading of each product; not affiliated with or endorsed by any company named.