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A Mint alternative for Canada that doesn't need bank syncing
Mint closed on March 23, 2024. In Canada, the hard part of replacing it is bank syncing, which is patchy across institutions. Your options are a bank-sync app (check every bank you use is supported), a manual app or spreadsheet, or an app that reads the payment alerts your bank already sends to your phone, which works with any bank that sends alerts.
Updated 2026-10-29
The three kinds of replacement
| Type | How it gets transactions | Trade-off |
|---|---|---|
| Bank-sync apps | Connect to your bank through an aggregator or Open Banking | Most complete, but a third party reads your history and connections can break |
| Manual apps and spreadsheets | You type or import every transaction | Full control, but most people stop after a few weeks |
| Alert-reading apps (Savyit) | Read the payment alerts your bank sends to your phone | Automatic and private, but only sees what your bank alerts you about |
What to look for in an app
- Your banks: check chequing, credit cards and any credit union you use
- Reliability: how often connections break and need re-linking
- Price: the real yearly cost in C$
- Privacy: whether a third party sees your transactions
Where Savyit fits
Savyit reads the payment alerts your bank already sends to your Android phone (bank-app notifications everywhere; bank SMS and UPI alerts in India), so there's nothing to type and no bank login. It works with Canadian banks whose apps send payment notifications, with no syncing to break, and it keeps amounts in C$.
What it can't do
- Android only. There's no iPhone version.
- It only sees what your bank tells you. Turn on alerts for every transaction in your bank's app.
- Cash isn't in any alert. Add it with quick entry or the widget.
- No bank sync and no CSV import. It starts from new alerts (in India it can also scan recent bank SMS).
Let your phone keep the receiptSavyit reads your bank's payment alerts on your Android phone and shows what's safe to spend today. No bank login, no account.
Get Savyit freeQuestions
What replaced Mint in Canada?
Mint closed in March 2024. Canadians moved to bank-sync budgeting apps, spreadsheets, or alert-reading apps like Savyit.
Why won't my bank sync with my budgeting app?
Canadian bank connections vary by institution and break when banks change their systems. Reading payment alerts avoids syncing entirely.
Is there a free budgeting app for Canada?
Savyit is free to start on Android and needs no bank connection.