I tested out 3 alternatives: Monarch, Empower and Credit Karma. For our personal situation monarch won. It was tedious moving 14 years of mint data to monarch account by account, with lots of data cleanup, but I like monarch's product better and I am OK paying for it. I don't feel like I'm being marketed some other financial products like empower or credit karma. Monarch is also very responsive and transparent in the features they are building, and you can actually have input. If you want to spend the time and money, monarch is the way to go. Their handling of investment accounts is subpar, but they claim to be working to start handling transactions within investment accounts right now. I really hope monarch makes it as a business, but it will require more people who are willing to pay for this type of service. I have experienced some account disconnects which I didn't on mint, but I have faith things are being worked through and will only get better.
Empower (formerly personal capital) is also a good product, but they want to sell you advisory services. It doesn't have the granular features that monarch has (or mint had), but it is good for just keeping track of things and does a really good job with investment accounts. My worry with empower is they will also choose to shut this down at the point they find it isn't generating the revenue they expect.
Credit Karma isn't even worth talking about. I'll be submitting a data deletion request with intuit shortly. Farewell mint! You played a key role in our financial lives the past 14 years, and we will miss you.
