Regardless of what kind of exercise you’re into, if you’re working out, you’ll want a pair of wireless workout headphones. They allow you to be free and untethered during a serious weight-lifting session, a 5K run, an hour at the skate park and everywhere in between where you’re moving and sweating a ton. There are dozens of great wireless headphones and wireless earbud options out there, but for exercise in particular, there are additional factors to consider before picking one up like water resistance, battery life and overall comfort.
At Engadget, we’ve tested a bunch of fitness-ready headphones and earbuds to come up with our top picks, plus some advice to consider before you pick up a pair. All of our top picks below will work in and out of the gym, so you can invest in just one pair and make those your daily driver. If you’re primarily a runner, check out our list of best headphones for running.
What to look for in workout headphones
Design
Before diving in, it’s worth mentioning that this guide focuses on wireless earbuds. While you could wear over-ear or on-ear headphones during a workout, most of the best headphones available now do not have the same level of durability. Water and dust resistance, particularly the former, is important for any audio gear you plan on sweating with or taking outdoors, and that’s more prevalent in the wireless earbuds world.
Most earbuds have one of three designs: in-ear, in-ear with hook or open-ear. The first two are the most popular. In-ears are arguably the most common, while those with hooks promise better security and fit since they have an appendage that curls around the top of your ear. Open-ear designs don’t stick into your ear canal, but rather sit just outside of it. This makes it easier to hear the world around you while also listening to audio, and could be more comfortable for those who don’t like the intrusiveness of in-ear buds.
Water resistance and dust protection
Even if a pair of headphones for working out aren’t marketed specifically as exercise headphones, a sturdy, water-resistant design will, by default, make them suitable for exercise. To avoid repetition, here’s a quick primer on durability, or ingression protection (IP) ratings. The first digit you’ll see after the “IP” refers to protection from dust and other potential intrusions, measured on a scale from 1 to 6. The second refers to water resistance or even waterproofing, in the best cases. The ratings for water resistance are ranked on a scale of 1 to 9; higher numbers mean more protection, while the letter “X” means the device is not rated for protection in that regard.
All of the earbuds we tested for this guide have at least an IPX4 rating, which means there’s no dust protection, but the buds can withstand splashes from any direction and are sweat resistant, but probably shouldn't be submerged. For a detailed breakdown of all the possible permutations, check out this guide published by a supplier called The Enclosure Company.
Active noise cancellation and transparency mode
Active noise cancellation (ANC) is becoming standard on wireless earbuds, at least those above a certain price point. If you’re looking for a pair of buds that can be your workout companion and serve you outside of the gym, too, noise cancelation is a good feature to have. It makes the buds more versatile, allowing you to block out the dull roar of your home or office so you can focus, or give you some solitude during a busy commute.
But an earbud’s ability to block out the world goes hand-in-hand with its ability to open things back up should you need it. Many ANC earbuds also support some sort of “transparency mode,” or various levels of noise reduction. This is important for running headphones because exercising outdoors, alongside busy streets, can be dangerous. You probably don’t want to be totally oblivious to what’s going on around you when you’re running outside; adjusting noise cancelation levels to increase your awareness will help with that. Stronger noise cancelation might be more appealing to those doing more indoor training if they want to block out the dull roar of a gym or the guy exaggeratingly lifting weights next to you.
Battery life
All of the Bluetooth earbuds we tested have a battery life of six to eight hours. In general, that’s what you can expect from this space, with a few outliers that can get up to 15 hours of life on a charge. Even the low end of the spectrum should be good enough for most athletes and gym junkies, but it’ll be handy to keep the buds’ charging case on you if you think you’ll get close to using up all their juice during a single session.
You’ll get an average of 20 to 28 extra hours of battery out of most charging cases and all of the earbuds we tested had holders that provided at least an extra 15 hours. This will dictate how often you actually have to charge the device — as in physically connect the case with earbuds inside to a charging cable, or set it on a wireless charger to power up.
How we test workout headphones
In testing wireless workout headphones, I wear them during every bit of exercise I do — be it a casual walk around the block, a brisk morning run or a challenging weight-lifting session. I’m looking for comfort arguably most of all, because you should never be fussing with your earbuds when you should be focusing on working out. In the same vein, I’m cognizant of if they get loose during fast movements or slippery when I’m sweating. I also use the earbuds when not exercising to take calls and listen to music throughout the day. Many people will want just one pair of earbuds that they can use while exercising and just doing everyday things, so I evaluate each pair on their ability to be comfortable and provide a good listening experience in multiple different activities.
While I am also evaluating sound quality, I’m admittedly not an audio expert. My colleague Billy Steele holds that title at Engadget, and you’ll find much more detailed information about audio quality for some of our top picks in his reviews and buying guides. With these headphones for working out, however, I will make note of related issues if they stood out (i.e. if a pair of earbuds had noticeably strong bass out of the box, weak highs, etc). Most of the wireless workout headphones we tested work with companion apps that have adjustable EQ settings, so you’ll be able to tweak sound profiles to your liking in most cases.
A note about Jabra headphones
Jabra announced it will exit the consumer earbuds business, which is disappointing considering the company has made excellent headphones for working out. Our top picks include two Jabra models and we feel comfortable recommending them still because Jabra plans to support its current earbuds for "several years." However, we're constantly testing new buds and reassessing our top picks, so we'll update this list accordingly in the future.
Best workout headphones for 2025
Others wireless workout headphones we tested
Apple AirPods Pro
The Apple AirPods Pro have an IP54 rating, which protects them from brief encounters with dust and splashes. While that’s more dust protection than many other earbuds we tested, it’s the same level of water resistance that most exercise-specific competitors have. We generally like the AirPods Pro, but the Beats Fit Pro offer many of the same features and conveniences (namely good transparency mode and the H1 chip), with a design that’s more appropriate for working out.
Beats Powerbeats Pro
The Powerbeats Pro are a good alternative to the Beats Fit Pro if you’re a stickler for a hook design. However, they cost $50 more than the Fit Pro (although they often hover around $180) and don’t offer any significant upgrades or additional features aside from their design. They’re also quite old at this point (launched in 2019) and it appears Beats is putting more effort into upgrading and updating its newer models rather than this model.
Anker Soundcore AeroFit Pro
The Soundcore AeroFit Pro is Anker’s version of the Shokz OpenFit, but I found it to be less secure and not as comfortable as the latter. The actual earbuds on the AeroFit Pro are noticeably bulkier than those on the OpenFit, which caused them to shift and move much more when I was wearing them during exercise. They never fell off my ears completely, but I spent more time adjusting them than I did enjoying them.
JBL Endurance Peak 3
The most noteworthy thing about the Endurance Peak 3 is that they have the same IP68-rating that the Jabra Elite 8 Active do, but they only cost $100. But, while you get the same protection here, you’ll have to sacrifice in other areas. The Endurance Peak 3 didn’t blow me away when it came to sound quality or comfort (the hook is more rigid than those on my favorite buds of a similar style) and their charging case is massive compared to most competitors.
This article originally appeared on Engadget at https://www.engadget.com/audio/headphones/best-wireless-workout-headphones-191517835.html?src=rss
It's been almost one year since Intuit shut down the popular budgeting app Mint. I was a Mint user for many years; millions of other users like me enjoyed how easily Mint allowed us to track all accounts in one place and monitor credit scores. I also used it regularly to help me track spending, set goals like pay my mortgage down faster and with general money management.
Ahead of Mint’s demise, I gave Credit Karma, Intuit’s other financial app, a try but found it to be a poor Mint alternative. So I set out to find a true replacement in another budgeting app. The following guide lays out my experience testing some of the most popular Mint replacement apps available today. Our pick for best Mint alternative remains Quicken Simplifi, even months after the Mint shutting down, thanks to its easy to use app, good income and bill detection and its affordable price. But there are plenty of other solid options out there for those with different needs. If you’re also on the hunt for a budgeting app to replace Mint, we hope these details can help you decide which of the best budgeting apps out there will be right for you.
Best Mint alternatives in 2025
No pun intended, but what I like about Quicken Simplifi is its simplicity. Whereas other budgeting apps try to distinguish themselves with dark themes and customizable emoji, Simplifi has a clean user interface, with a landing page that you just keep scrolling through to get a detailed overview of all your stats. These include your top-line balances; net worth; recent spending; upcoming recurring payments; a snapshot of your spending plan; top spending categories; achievements; and any watchlists you’ve set up. You can also set up savings goals elsewhere in the app. I also appreciate how it offers neat, almost playful visualizations without ever looking cluttered. I felt at home in the mobile and web dashboards after a day or so, which is faster than I adapted to some competing services (I’m looking at you, YNAB and Monarch).
Getting set up with Simplifi was mostly painless. I was particularly impressed at how easily it connected to Fidelity; not all budget trackers do, for whatever reason. This is also one of the only services I tested that gives you the option of inviting a spouse or financial advisor to co-manage your account. One thing I would add to my initial assessment of the app, having used it for a few months now: I wish Simplifi offered Zillow integration for easily tracking your home value (or at least a rough estimate of it). Various competitors including Monarch Money and Copilot Money work with Zillow, so clearly there's a Zillow API available for use. As it stands, Simplifi users must add real estate manually like any other asset.
Dana Wollman / Engadget
In practice, Simplifi miscategorized some of my expenses, but nothing out of the ordinary compared to any of these budget trackers. As you’re reviewing transactions, you can also mark if you’re expecting a refund, which is a unique feature among the services I tested. Simplifi also estimated my regular income better than some other apps I tested. Most of all, I appreciated the option of being able to categorize some, but not all, purchases from a merchant as recurring. For instance, I can add my two Amazon subscribe-and-saves as recurring payments, without having to create a broad-strokes rule for every Amazon purchase.
The budgeting feature is also self-explanatory and can likely accommodate your preferred budgeting method. Just check that your regular income is accurate and be sure to set up recurring payments, making note of which are bills and which are subscriptions. This is important because Simplifi shows you your total take-home income as well as an “income after bills” figure. That number includes, well, bills but not discretionary subscriptions. From there, you can add spending targets by category in the “planned spending” bucket. Planned spending can also include one-time expenditures, not just monthly budgets. When you create a budget, Simplifi will suggest a number based on a six-month average.
Not dealbreakers, but two things to keep in mind as you get started: Simplifi is notable in that you can’t set up an account through Apple or Google. There is also no option for a free trial, though Quicken promises a “30-day money back guarantee.”
Monarch Money grew on me. My first impression of the budgeting app, which was founded by a former Mint product manager, was that it's more difficult to use than others on this list, including Simplifi, NerdWallet and Copilot. And it is. Editing expense categories, adding recurring transactions and creating rules, for example, is a little more complicated than it needs to be, especially in the mobile app. (My advice: Use the web app for fine-tuning details.) Monarch also didn’t get my income right; I had to edit it.
Once you’re set up, though, Monarch offers an impressive level of granularity. In the budgets section, you can see a bona fide balance sheet showing budgets and actuals for each category. You'll also find a forecast, for the year or by month. And recurring expenses can be set not just by merchant, but other parameters as well. For instance, while most Amazon purchases might be marked as “shopping,” those for the amounts of $54.18 or $34.18 are definitely baby supplies, and can be automatically marked as such each time, not to mention programmed as recurring payments. Weirdly, though, there’s no way to mark certain recurring payments as bills, specifically.
Dana Wollman / Engadget
Not long after I first published this story in December 2023, Monarch introduced a detailed reporting section where you can create on-demand graphs based on things like accounts, categories and tags. That feature is available just on the web version of the app for now. As part of this same update, Monarch added support for an aggregator that makes it possible to automatically update the value of your car. This, combined with the existing Zillow integration for tracking your home value, makes it easy to quickly add a non-liquid asset like a vehicle or real estate, and have it show up in your net worth graph.
The mobile app is mostly self-explanatory. The main dashboard shows your net worth; your four most recent transactions; a month-over-month spending comparison; income month-to-date; upcoming bills; an investments snapshot; a list of any goals you’ve set; and, finally, a link to your month-in-review. That month-in-review is more detailed than most, delving into cash flow; top income and expense categories; cash flow trends; changes to your net worth, assets and liabilities; plus asset and liability breakdowns. In February 2024, Monarch expanded on the net worth graph, so that if you click on the Accounts tab you can see how your net worth changed over different periods of time, including one month, three months, six months, a year or all time.
On the main screen, you’ll also find tabs for accounts, transactions, cash flow, budget and recurring. Like many of the other apps featured here, Monarch can auto-detect recurring expenses and income, even if it gets the category wrong. (They all do to an extent.) Expense categories are marked by emoji, which you can customize if you’re so inclined.
Monarch Money uses a combination of networks to connect with banks, including Plaid, MX and Finicity, a competing network owned by Mastercard. (I have a quick explainer on Plaid, the industry standard in this space, toward the end of this guide.) As part of an update in late December, Monarch has also made it easier to connect through those other two networks, if for some reason Plaid fails. Similar to NerdWallet, I found myself completing two-factor authentication every time I wanted to get past the Plaid screen to add another account. Notably, Monarch is the only other app I tested that allows you to grant access to someone else in your family — likely a spouse or financial advisor. Monarch also has a Chrome extension for importing from Mint, though really this is just a shortcut for downloading a CSV file, which you’ll have to do regardless of where you choose to take your Mint data.
Additionally, Monarch just added the ability to track Apple Card, Apple Cash, and Savings accounts, thanks to new functionality brought with the iOS 17.4 update. It's not the only one either; currently, Copilot and YNAB have also added similar functionality that will be available to anyone with the latest versions of their respective apps on a device running iOS 17.4. Instead of manually uploading statements, the new functionality allows apps like Monarch's to automatically pull in transactions and balance history. That should make it easier to account for spending on Apple cards and accounts throughout the month.
Monarch also recently launched investment transactions in beta. It also says bill tracking and an overhauled goals system are coming soon. Monarch hasn't provided a timeline for that last one, except to say that the improved goals feature is coming soon.
Copilot Money might be the best-looking budgeting app I tested. It also has the distinction of being exclusive to iOS and Macs — at least for now. Andres Ugarte, the company’s CEO, has publicly promised that Android and web apps are coming soon. But until it follows through, I can’t recommend Copilot for most people with so many good competitors out there.
Copilot Money for Web and Android!
Thanks to the support from our users, and the overwhelming positive reception we're seeing from folks migrating from Mint, we can now say that we'll be building @copilotmoney for Web and Android with a goal to launch in 2024.
There are other features that Copilot is missing, which I’ll get into. But it is promising, and one to keep an eye on. It’s just a fast, efficient, well designed app, and Android users will be in for a treat when they’ll finally be able to download it. It makes good use of colors, emoji and graphs to help you understand at a glance how you’re doing on everything from your budgets to your investment performance to your credit card debt over time. In particular, Copilot does a better job than almost any other app of visualizing your recurring monthly expenses.
Behind those punchy colors and cutesy emoji, though, is some sophisticated performance. Copilot’s AI-powered “Intelligence” gets smarter as you go at categorizing your expenses. (You can also add your own categories, complete with your choice of emoji.) It’s not perfect. Copilot miscategorized some purchases (they all do), but it makes it easier to edit than most. On top of that, the internal search feature is very fast; it starts whittling down results in your transaction history as soon as you begin typing.
Dana Wollman / Engadget
Copilot is also unique in offering Amazon and Venmo integrations, allowing you to see transaction details. With Amazon, this requires just signing into your Amazon account via an in-app browser. For Venmo, you have to set up [email protected] as a forwarding address and then create a filter, wherein emails from [email protected] are automatically forwarded to [email protected]. Like Monarch Money, you can also add any property you own and track its value through Zillow, which is integrated with the app.
While the app is heavily automated, I still appreciate that Copilot marks new transactions for review. It’s a good way to both weed out fraudulent charges, and also be somewhat intentional about your spending habits.
Like Monarch Money, Copilot updated its app to make it easier to connect to banks through networks other than Plaid. As part of the same update, Copilot said it has improved its connections to both American Express and Fidelity which, again, can be a bugbear for some budget tracking apps. In an even more recent update, Copilot added a Mint import option, which other budgeting apps have begun to offer as well.
Because the app is relatively new (it launched in early 2020), the company is still catching up to the competition on some table-stakes features. Ugarte told me that his team is almost done building out a detailed cash flow section as well. On its website, Copilot also promises a raft of AI-powered features that build on its current “Intelligence” platform, the one that powers its smart expense categorization. These include “smart financial goals,” natural language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is meant to give people a sense of how they’re doing compared to other Copilot users, on both spending and investment performance. Most of these features should arrive in the new year.
Copilot does a couple interesting things for new customers that distinguish it from the competition. There’s a “demo mode” that feels like a game simulator; no need to add your own accounts. The company is also offering two free months with RIPMINT — a more generous introductory offer than most. When it finally does come time to pony up, the $7.92 monthly plan is cheaper than some competing apps, although the $95-a-year-option is in the same ballpark.
You may know NerdWallet as a site that offers a mix of personal finance news, explainers and guides. I see it often when I google a financial term I don’t know and sure enough, it’s one of the sites I’m most likely to click on. As it happens, NerdWallet also has the distinction of offering one of the only free budgeting apps I tested. In fact, there is no paid version; nothing is locked behind a paywall. The main catch: There are ads everywhere. To be fair, the free version of Mint was like this, too.
Even with the inescapable credit card offers, NerdWallet has a clean, easy-to-understand user interface, which includes both a web and a mobile app. The key metrics that it highlights most prominently are your cash flow, net worth and credit score. (Of note, although Mint itself offered credit score monitoring, most of its rivals do not.) I particularly enjoyed the weekly insights, which delve into things like where you spent the most money or how much you paid in fees — and how that compares to the previous month. Because this is NerdWallet, an encyclopedia of financial info, you get some particularly specific category options when setting up your accounts (think: a Roth or non-Roth IRA).
Dana Wollman / Engadget
As a budgeting app, NerdWallet is more than serviceable, if a bit basic. Like other apps I tested, you can set up recurring bills. Importantly, it follows the popular 50/30/20 budgeting rule, which has you putting 50% of your budget toward things you need, 30% toward things you want, and the remaining 20% into savings or debt repayments. If this works for you, great — just know that you can’t customize your budget to the same degree as some competing apps. You can’t currently create custom spending categories, though a note inside the dashboard section of the app says “you’ll be able to customize them in the future.” You also can’t move items from the wants column to “needs” or vice versa but “In the future, you'll be able to move specific transactions to actively manage what falls into each group.” A NerdWallet spokesperson declined to provide an ETA, though.
Lastly, it’s worth noting that NerdWallet had one of the most onerous setup processes of any app I tested. I don’t think this is a dealbreaker, as you’ll only have to do it once and, hopefully, you aren’t setting up six or seven apps in tandem as I was. What made NerdWallet’s onboarding especially tedious is that every time I wanted to add an account, I had to go through a two-factor authentication process to even get past the Plaid splash screen, and that’s not including the 2FA I had set up at each of my banks. This is a security policy on NerdWallet’s end, not Plaid’s, a Plaid spokesperson says.
Precisely because NerdWallet is one of the only budget trackers to offer credit score monitoring, it also needs more of your personal info during setup, including your birthday, address, phone number and the last four digits of your social security number. It’s the same with Credit Karma, which also does credit score monitoring.
Related to the setup process, I found that NerdWallet was less adept than other apps at automatically detecting my regular income. In my case, it counted a large one-time wire transfer as income, at which point my only other option was to enter my income manually (which is slightly annoying because I would have needed my pay stub handy to double-check my take-home pay).
YNAB is, by its own admission, “different from anything you’ve tried before.” The app, whose name is short for You Need a Budget, promotes a so-called zero-based budgeting system, which forces you to assign a purpose for every dollar you earn. A frequently used analogy is to put each dollar in an envelope; you can always move money from one envelope to another in a pinch. These envelopes can include rent and utilities, along with unforeseen expenses like holiday gifts and the inevitable car repair. The idea is that if you budget a certain amount for the unknowns each month, they won’t feel like they’re sneaking up on you.
Importantly, YNAB is only concerned with the money you have in your accounts now. The app does not ask you to provide your take-home income or set up recurring income payments (although there is a way to do this). The money you will make later in the month through your salaried job is not relevant, because YNAB does not engage in forecasting.
The app is harder to learn than any other here, and it requires more ongoing effort from the user. And YNAB knows that. Inside both the mobile and web apps are links to videos and other tutorials. Although I never quite got comfortable with the user interface, I did come to appreciate YNAB’s insistence on intentionality. Forcing users to draft a new budget each month and to review each transaction is not necessarily a bad thing. As YNAB says on its website, “Sure, you’ve got pie charts showing that you spent an obscene amount of money in restaurants — but you’ve still spent an obscene amount of money in restaurants.” I can see this approach being useful for people who don’t tend to have a lot of cash in reserve at a given time, or who have spending habits they want to correct (to riff off of YNAB’s own example, ordering Seamless four times a week).
My colleague Valentina Palladino, knowing I was working on this guide, penned a respectful rebuttal, explaining why she’s been using YNAB for years. Perhaps, like her, you have major savings goals you want to achieve, whether it’s paying for a wedding or buying a house. I suggest you give her column a read. For me, though, YNAB’s approach feels like overkill.
PocketGuard is one of the only reputable free budget trackers I found in my research. Just know it’s far more restricted at the free tier than NerdWallet or Mint. In my testing, I was prompted to pay after I attempted to link more than two bank accounts. So much for free, unless you keep things simple with one cash account and one credit card. When it comes time to upgrade to PocketGuard Plus, you have three options: pay $7.99 a month, $34.99 a year or $79.99 for a one-time lifetime license. That lifetime option is actually one of the few unique selling points for me: I’m sure some people will appreciate paying once and never having to, uh, budget for it again.
From the main screen, you’ll see tabs for accounts, insights, transactions and the “Plan,” which is where you see recurring payments stacked on top of what looks like a budget. The main overview screen shows you your net worth, total assets and debts; net income and total spending for the month; upcoming bills; a handy reminder of when your next paycheck lands; any debt payoff plan you have; and any goals.
Dana Wollman / Engadget
Like some other apps, including Quicken Simplifi, PocketGuard promotes an “after bills” approach, where you enter all of your recurring bills, and then PocketGuard shows you what’s left, and that’s what you’re supposed to be budgeting: your disposable income. Obviously, other apps have a different philosophy: take into account all of your post-tax income and use it to pay the bills, purchase things you want and maybe even save a little. But in PocketGuard, it’s the “in your pocket” number that’s most prominent. To PocketGuard’s credit, it does a good job visualizing which bills are upcoming and which ones you’ve already paid.
PocketGuard has also publicly committed to adding some popular features. These include rollover budgeting, categorization rules and shared household access.
Dana Wollman / Engadget
Although PocketGuard’s UI is easy enough to understand, it lacks polish. The “accounts” tab is a little busy, and doesn’t show totals for categories like cash or investments. Seemingly small details like weirdly phrased or punctuated copy occasionally make the app feel janky. More than once, it prompted me to update the app when no updates were available. The web version, meanwhile, feels like the mobile app blown up to a larger format and doesn’t take advantage of the extra screen real estate.
Of note, although PocketGuard does work with Plaid, its primary bank-connecting platform is actually Finicity. Setting up my accounts through Finicity was mostly a straightforward process. I did encounter one hiccup: Finicity would not connect to my SoFi account. I was able to do it through Plaid, but PocketGuard doesn’t make it easy to access Plaid in the app. The only way, as far as I can tell, is to knowingly search for the name of a bank that isn’t available through Finicity, at which point you get the option to try Plaid instead. Like I said: the experience can be janky.
What is Plaid and how does it work?
Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining in its own section what it is and how it works. Plaid was founded as a fintech startup in 2013 and is today the industry standard in connecting banks with third-party apps. Plaid works with over 12,000 financial institutions across the US, Canada and Europe. Additionally, more than 8,000 third-party apps and services rely on Plaid, the company claims.
To be clear, you don’t need a dedicated Plaid app to use it; the technology is baked into a wide array of apps, including the budget trackers I tested for this guide. Once you find the “add an account” option in whichever one you’re using, you’ll see a menu of commonly used banks. There’s also a search field you can use to look yours up directly. Once you find yours, you’ll be prompted to enter your login credentials. If you have two-factor authentication set up, you’ll need to enter a one-time passcode as well.
As the middleman, Plaid is a passthrough for information that may include your account balances, transaction history, account type and routing or account number. Plaid uses encryption, and says it has a policy of not selling or renting customer data to other companies. However, I would not be doing my job if I didn’t note that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for collecting “more financial data than was needed.” As part of the settlement, Plaid was compelled to change some of its business practices.
In a statement provided to Engadget, a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that “the crux of the non-financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid’s role in connecting their accounts, and ensuring that our workstreams around data minimization remain on track.”
My top Mint alternative picks: Quicken Simplifi and Copilot Money
To conclude, you might be wondering what app I decided on for myself after all of this research. The answer is actually two apps: Quicken Simplifi, my overall top pick, and Copilot Money. For now, I am actively using both apps and still deciding, long-term, which I feel more comfortable with. I tend to prefer Copilot's fast, colorful user interface, but as I explained above, it's too lacking in table-stakes features for me to go so far as to name it the best overall option.
How to import your financial data from the Mint app
Mint users should consider getting their data ready to migrate to their new budgeting app of choice soon. Unfortunately, importing data from Mint is not as easy as entering your credentials from inside your new app and hitting “import.” In fact, any app that advertises the ability to port over your stats from Mint is just going to have you upload a CSV file of transactions and other data.
To download a CSV file from Mint, do the following:
Sign into Mint.com and hit Transactions in the menu on the left side of the screen.
Select an account, or all accounts.
Scroll down and look for “export [number] transactions” in smaller print.
Your CSV file should begin downloading.
Note: Downloading on a per-account basis might seem more annoying, but could help you get set up on the other side, if the app you’re using has you importing transactions one-for-one into their corresponding accounts.
How we tested Mint alternatives
Before I dove into the world of budgeting apps, I had to do some research. To find a list of apps to test, I consulted trusty ol’ Google (and even trustier Reddit); read reviews of popular apps on the App Store; and also asked friends and colleagues what budget tracking apps they might be using. Some of the apps I found were free, just like Mint. These, of course, show loads of ads (excuse me, “offers”) to stay in business. But most of the available apps require paid subscriptions, with prices typically topping out around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than that.)
Since this guide is meant to help Mint users find a permanent replacement, any services I chose to test needed to do several things: import all of your account data into one place; offer budgeting tools; and track your spending, net worth and credit score. Except where noted, all of these apps are available for iOS, Android and on the web.
Once I had my shortlist of six apps, I got to work setting them up. For the sake of thoroughly testing these apps (and remember, I really was looking for a Mint alternative myself), I made a point of adding every account to every budgeting app, no matter how small or immaterial the balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for the same banks half a dozen times over. Hopefully, you only have to do this once.
What about Rocket Money?
Rocket Money is another free financial app that tracks spending and supports things like balance alerts and account linking. If you pay for the premium tier, the service can also help you cancel unwanted subscriptions. We did not test it for this guide, but we'll consider it in future updates.
This article originally appeared on Engadget at https://www.engadget.com/apps/the-best-budgeting-apps-to-replace-mint-143047346.html?src=rss
Almost a year ago, I was prompted to look for another budgeting app. Intuit, parent company of Mint, the budgeting app I had been using for a long time, shut down the service in March 2024. The company encouraged Mint users to migrate to its other financial app, Credit Karma, but I found it to be a poor Mint replacement after trying it out. That sent me searching elsewhere to find an app to track all of my financial accounts, monitor my credit score, track spending and set goals like building a rainy-day fund and paying down my mortgage faster.
If you’re looking for a new budgeting app to get your finances straight, allow Engadget to help. I tried out Mint's top competitors in the hopes that I'd be able to find a new budgeting app that could handle all of my financial needs, and to see which are actually worth the money.
How we tested budgeting apps
Before I dove in and started testing out budgeting apps, I had to do some research. To find a list of apps to try out, I consulted trusty ol’ Google (and even trustier Reddit); read reviews of popular apps on the App Store; and also asked friends and colleagues what budget tracking apps (or other budgeting methods) they might be using for money management. Some of the apps I found were free and these, of course, show loads of ads (excuse me, “offers”) to stay in business. But most of the available apps require paid subscriptions, with prices typically topping out around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than that.)
All of the services I chose to test needed to do several things: import all of your account data into one place; offer budgeting tools; and track your spending, net worth and credit score. Except where noted, all of these apps are available for iOS, Android and on the web.
Once I had my shortlist of six apps, I got to work setting them up. For the sake of thoroughly testing these apps, I made a point of adding every account to every budgeting app, no matter how small or immaterial the balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for the same banks half a dozen times over. Hopefully, you only have to do this once.
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What is Plaid and how does it work?
Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining what it is and how it works. Plaid was founded as a fintech startup in 2013 and is today the industry standard in connecting banks with third-party apps. Plaid works with over 12,000 financial institutions across the US, Canada and Europe. Additionally, more than 8,000 third-party apps and services rely on Plaid, the company claims.
To be clear, you don’t need a dedicated Plaid app to use it; the technology is baked into a wide array of apps, including all of the budgeting apps listed in this guide. Once you find the “add an account” option in whichever one you’re using, you’ll see a menu of commonly used banks. There’s also a search field you can use to look yours up directly. Once you find yours, you’ll be prompted to enter your login credentials. If you have two-factor authentication set up, you’ll need to enter a one-time passcode as well.
As the middleman, Plaid is a passthrough for information that may include your account balances, transaction history, account type and routing or account number. Plaid uses encryption, and says it has a policy of not selling or renting customer data to other companies. However, I would not be doing my job if I didn’t note that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for collecting “more financial data than was needed.” As part of the settlement, Plaid was compelled to change some of its business practices.
In a statement provided to Engadget, a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that “the crux of the non-financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid’s role in connecting their accounts, and ensuring that our workstreams around data minimization remain on track.”
Why did Mint shut down?
When parent company Intuit announced in December 2023 that it would shut down Mint, it did not provide a reason why it made the decision to do so. It did say that Mint's millions of users would be funneled over to its other finance app, Credit Karma. "Credit Karma is thrilled to invite all Minters to continue their financial journey on Credit Karma, where they will have access to Credit Karma’s suite of features, products, tools and services, including some of Mint’s most popular features," Mint wrote on its product blog. In our testing, we found that Credit Karma isn't an exact replacement for Mint — so if you're still looking for a Mint alternative, you have some decent options.
What about Rocket Money?
Rocket Money is another free financial app that tracks spending and supports things like balance alerts and account linking. If you pay for the premium tier, the service can also help you cancel unwanted subscriptions. We did not test it for this guide, but we'll consider it in future updates.
This article originally appeared on Engadget at https://www.engadget.com/best-budgeting-apps-120036303.html?src=rss
Whether or not you understand your loved one’s desire to wake up before sunrise and get in a 5K is irrelevant when it comes to gifting. Athletes, especially runners, are pretty easy to shop for since they can never have too many of the essentials like socks, gloves, foam rollers, trackers and more. There are plenty of things you can get them that will make their runs more enjoyable, or help them recover more efficiently so they can best yesterday’s time today. Here are the best gift ideas for runners for this year’s holiday shopping season.
