This feature gives you the “why” behind the numbers, breaking down on-time payments, credit usage, and average age of your credit and showing how your behaviors in these areas aid - or hurt - your overall rating. One feature our testers particularly appreciated was Mint’s free credit-score tracking and education. Mintsights are personalized for each user.

And personalized Mintsights offer guidance and suggestions to tweak the habits and behaviors that Mint “sees” in your financial activities, in order to help you pay down debt and save more. Mint will even tell you if those subscriptions change price. Other powerful additions for 2021 include subscription monitoring, which helps you keep track of the subscriptions that seem to proliferate with every free trial. New in 2021, you can bulk-edit to make category adjustments. Mint makes setting up a budget a simple and straightforward process: Once you’ve set up your accounts, Mint takes a crack at categorizing your expenses for you. Life is complicated enough already, and you can start your new era of fiscal responsibility right now by saving yourself the $42 annual price tag for Quicken Deluxe. While Mint and Quicken have long been the top contenders for full-featured financial management for everyday finances, Mint wins as the best personal finance software by being both free and slightly simpler than Quicken. Many users love its simple, clean UI - the 2021 design refresh is getting raves - and at-a-glance financial dashboard, with net worth right there at the top. Mint is a web-based tool (with mobile apps, of course) that will help you track spending, design a budget, manage debt, set goals and combine all your accounts (including the weird ones like balloon mortgages) in a single place. If you’re looking for a one-stop shop in your personal finance software and want a full-featured tool that still keeps things simple, Mint is the choice for you.

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