5 Best Mint Alternatives in Poland (2026)

Quick Answer

Mint, one of the world's most popular personal finance apps, was shut down in March 2024 by Intuit. Users were redirected to Credit Karma, which isn't available in Poland. If you're looking for a Mint alternative that actually works with Polish banks and financial products, here are 5 solid options — ranked by how well they serve the Polish market.

Why Did Mint Shut Down?

Mint operated since 2006 and had over 3.6 million active users worldwide. Intuit decided to consolidate its consumer finance products, shutting down Mint and directing users to Credit Karma — a platform focused on credit scores and financial product recommendations rather than budgeting.

For users in Poland, Mint was never ideal — no Polish bank support, no PLN as base currency, and zero coverage for Polish financial products like Treasury bonds (obligacje), IKE/IKZE retirement accounts, or PPK. Mint's closure is a good opportunity to switch to an app built for the Polish financial ecosystem.

Top 5 Mint Alternatives for Poland

1. 🏆 Freenance — Best for FIRE Planning & Investment Tracking

Best for: people who want to know their Financial Freedom Runway

Freenance is the only Polish finance app that combines budget tracking with investment monitoring and a unique Financial Freedom Runway indicator. Unlike Mint, it supports Polish Treasury bonds (COI, EDO, TOS), IKE/IKZE retirement accounts, crypto (Binance, Bybit), and ETFs (XTB).

Pros:

• Financial Freedom Runway — unique financial independence indicator
• Import from mBank, ING, PKO BP (MT940/CSV)
• AI-powered transaction categorization
• Treasury bond, crypto, and ETF tracking
• FIRE planning tools (Lean/Fat FIRE)
• Integrations with Revolut, XTB, Binance, Bybit

Cons:

• No automatic PSD2 bank sync
• Paid after 30-day trial (from 19 PLN/month, ~€4.40)

Price: 30 days free, then from 19 PLN/month

2. Kontomierz — Best for Automatic Expense Tracking

Best for: people who want hands-off budgeting with auto bank sync

Kontomierz is Poland's oldest and most popular budgeting app with 400,000+ users. Its biggest advantage is automatic PSD2 synchronization with 20+ Polish banks.

Pros:

• Automatic transaction import via PSD2
• Free basic plan
• 15+ years on the market, stable platform
• Monthly budgets and spending categories
• 20+ Polish banks supported

Cons:

• No investment or bond tracking
• No Runway/FIRE features
• Limited analytics on the free plan

Price: Free (basic) / ~9.99 PLN/month (Premium)

3. MyFund — Best for Shared Family Budgets

Best for: couples and families managing a joint budget

MyFund is a Polish budgeting app that stands out with its budget-sharing features for partners and families. It works well for everyday expense tracking.

Pros:

• Shared budgets (couple/family)
• Simple, clean interface
• Polish app with native PLN support

Cons:

• No investment tracking
• Smaller user base
• Limited bank integrations

Price: Free with premium options

4. Spendee — Best for Visual Expense Tracking

Best for: people who value beautiful design and data visualization

Spendee is a Czech app popular across Central Europe. It offers a visually appealing interface with colorful charts and supports multiple currencies including PLN.

Pros:

• Beautiful interface and visualizations
• Multi-currency support (including PLN)
• Shared wallets
• Some bank sync capability

Cons:

• Limited Polish bank support
• No Polish Treasury bonds or IKE/IKZE
• Not fully localized in Polish
• Very limited free plan

Price: Free (heavily limited) / ~$2.99/month

5. Wallet by BudgetBakers — Best for Advanced Budgeting

Best for: power users who want detailed budgeting tools

Wallet (formerly Wallet by BudgetBakers) is a Czech app with robust budgeting, planning, and reporting features. It supports multiple currencies and has some European bank integrations.

Pros:

• Advanced budgeting and planning
• Multi-currency support
• Bank integrations via SaltEdge
• CSV/Excel data export

Cons:

• Limited Polish bank support
• No Polish Treasury bonds
• Interface can be overwhelming
• No FIRE/Runway features

Price: Free (basic) / ~$4.99/month

Comparison Table

Which App Should You Choose?

• Want to know your Financial Freedom Runway? → Freenance
• Want automatic bank sync without effort? → Kontomierz
• Managing finances with a partner or family? → MyFund
• Love beautiful charts and visualizations? → Spendee
• Need advanced budgeting power tools? → Wallet

What You Gain by Switching from Mint

Moving from Mint to a Poland-focused app gives you:

1. Polish bank support — mBank, ING, PKO BP, Santander
2. Treasury bond tracking — COI, EDO, TOS (Freenance only)
3. Retirement accounts — IKE, IKZE, PPK (Freenance only)
4. PLN as base currency — no exchange rate headaches
5. Polish interface — no language barriers
6. GDPR compliance — data stays in the EU

FAQ

Can I transfer my Mint data to a Polish app?

Before shutting down, Mint allowed CSV data exports. If you saved that file, you can import transaction history into Freenance or manually recreate categories in Kontomierz.

Is there a free Mint alternative in Poland?

Yes — Kontomierz offers a free basic plan with automatic transaction imports. Freenance offers a 30-day free trial with full access to all features including investment tracking and FIRE planning.

Which app is closest to Mint in terms of features?

Kontomierz is most similar to Mint in terms of automatic expense tracking. Freenance goes further, combining budgeting with investments and FIRE planning — something Mint never offered.

Are Polish finance apps secure?

Yes. Both Freenance and Kontomierz use data encryption and comply with GDPR. Kontomierz uses regulated PSD2 technology supervised by KNF (Polish Financial Supervision Authority).

Can I track investments in a Mint alternative?

Among the apps listed, only Freenance offers comprehensive investment tracking — Treasury bonds, ETFs, crypto, stocks, IKE, and IKZE retirement accounts.

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