In case anyone isn't aware, Mint won't shut off till end of March, so we still have a few months to explore options.
I've been using Monarch for a month now and I think it is the one we'll stick with. It does everything Mint does regarding budgeting. Though the UI is a bit messier, it is also more functional.
But there is one feature I haven't come across yet, wondering if anyone else has seen a budgeting app that does this: Automatically set the new month's budget to = the income of the previous month. Right now I have to set this manually, but I like this approach as it keeps me honest about how much $$ I actually have to budget against. Monarch doesn't offer this, but the support team is pretty responsive so I hope it is something they will consider adding. Right now it seems the way budgeting works is to set your budget based on average income over the past 3 months, which is close but not exactly what I want.
Other niggling issues. Investment accounts aren't able to track transactions yet, so it looks like my 401K account didn't exist until 2 months ago, throwing off my balance history by a lot. Also, since Mint doesn't allow you to download property value history, Monarch is also unable to transfer that, which again affects net worth history. Not deal breakers, just slight annoyances. Overall the data transfer process from Mint, though time consuming, went fairly smoothly.
I also very briefly tried Quicken Simplifi, since they are offering a whole year free if you switch from Mint. One big red flag for me though is that they cannot connect to Citibank unless you disable 2fa. This has been a known issue for over a year, so it's pretty alarming that they haven't figured out a solution when Mint and others have had no issue.
You might see Simplifi marketing (ads in search or on webpages) claiming it was crowned the best budgeting app by NYT's The Wirecutter. However, The Wirecutter has removed that review from their site, so take of that what you will.
