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The 6 best Mint alternatives to replace the budgeting app that shut down

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As a long-time Mint user, I was frustrated to say the least when news broke at the end of 2023 that Intuit would shut Mint down. I, like millions of others, enjoyed how easily Mint allowed us to track all accounts in one place and monitor credit scores. I also used it regularly to track spending, set goals like pay my mortgage down faster and with general money management.

So I set out to find a Mint alternative in the wake of its disappointing demise. I gave Credit Karma, Intuit’s other financial app, a try but found it to be a poor Mint alternative. The following guide lays out my experience testing some of the most popular Mint replacement apps available today in search of my next budgeting app. Our pick for best Mint alternative remains Quicken Simplifi, even months after the Mint shutting down, thanks to its easy to use app, good income and bill detection and its affordable price. But there are plenty of other solid options out there for those with different needs. If you’re also on the hunt for a budgeting app to replace Mint, we hope these details can help you decide which of the best budgeting apps out there will be right for you.

No pun intended, but what I like about Quicken Simplifi is its simplicity. Whereas other budgeting apps try to distinguish themselves with dark themes and customizable emoji, Simplifi has a clean user interface, with a landing page that you just keep scrolling through to get a detailed overview of all your stats. These include your top-line balances; net worth; recent spending; upcoming recurring payments; a snapshot of your spending plan; top spending categories; achievements; and any watchlists you’ve set up. You can also set up savings goals elsewhere in the app. I also appreciate how it offers neat, almost playful visualizations without ever looking cluttered. I felt at home in the mobile and web dashboards after a day or so, which is faster than I adapted to some competing services (I’m looking at you, YNAB and Monarch).

Getting set up with Simplifi was mostly painless. I was particularly impressed at how easily it connected to Fidelity; not all budget trackers do, for whatever reason. This is also one of the only services I tested that gives you the option of inviting a spouse or financial advisor to co-manage your account. One thing I would add to my initial assessment of the app, having used it for a few months now: I wish Simplifi offered Zillow integration for easily tracking your home value (or at least a rough estimate of it). Various competitors including Monarch Money and Copilot Money work with Zillow, so clearly there's a Zillow API available for use. As it stands, Simplifi users must add real estate manually like any other asset.

A screenshot of the
Dana Wollman / Engadget

In practice, Simplifi miscategorized some of my expenses, but nothing out of the ordinary compared to any of these budget trackers. As you’re reviewing transactions, you can also mark if you’re expecting a refund, which is a unique feature among the services I tested. Simplifi also estimated my regular income better than some other apps I tested. Most of all, I appreciated the option of being able to categorize some, but not all, purchases from a merchant as recurring. For instance, I can add my two Amazon subscribe-and-saves as recurring payments, without having to create a broad-strokes rule for every Amazon purchase.

The budgeting feature is also self-explanatory and can likely accommodate your preferred budgeting method. Just check that your regular income is accurate and be sure to set up recurring payments, making note of which are bills and which are subscriptions. This is important because Simplifi shows you your total take-home income as well as an “income after bills” figure. That number includes, well, bills but not discretionary subscriptions. From there, you can add spending targets by category in the “planned spending” bucket. Planned spending can also include one-time expenditures, not just monthly budgets. When you create a budget, Simplifi will suggest a number based on a six-month average.

Not dealbreakers, but two things to keep in mind as you get started: Simplifi is notable in that you can’t set up an account through Apple or Google. There is also no option for a free trial, though Quicken promises a “30-day money back guarantee.”

Monarch Money grew on me. My first impression of the budgeting app, which was founded by a former Mint product manager, was that it's more difficult to use than others on this list, including Simplifi, NerdWallet and Copilot. And it is. Editing expense categories, adding recurring transactions and creating rules, for example, is a little more complicated than it needs to be, especially in the mobile app. (My advice: Use the web app for fine-tuning details.) Monarch also didn’t get my income right; I had to edit it.

Once you’re set up, though, Monarch offers an impressive level of granularity. In the budgets section, you can see a bona fide balance sheet showing budgets and actuals for each category. You'll also find a forecast, for the year or by month. And recurring expenses can be set not just by merchant, but other parameters as well. For instance, while most Amazon purchases might be marked as “shopping,” those for the amounts of $54.18 or $34.18 are definitely baby supplies, and can be automatically marked as such each time, not to mention programmed as recurring payments. Weirdly, though, there’s no way to mark certain recurring payments as bills, specifically.

A screenshot of the
Dana Wollman / Engadget

Not long after I first published this story in December 2023, Monarch introduced a detailed reporting section where you can create on-demand graphs based on things like accounts, categories and tags. That feature is available just on the web version of the app for now. As part of this same update, Monarch added support for an aggregator that makes it possible to automatically update the value of your car. This, combined with the existing Zillow integration for tracking your home value, makes it easy to quickly add a non-liquid asset like a vehicle or real estate, and have it show up in your net worth graph.

The mobile app is mostly self-explanatory. The main dashboard shows your net worth; your four most recent transactions; a month-over-month spending comparison; income month-to-date; upcoming bills; an investments snapshot; a list of any goals you’ve set; and, finally, a link to your month-in-review. That month-in-review is more detailed than most, delving into cash flow; top income and expense categories; cash flow trends; changes to your net worth, assets and liabilities; plus asset and liability breakdowns. In February 2024, Monarch expanded on the net worth graph, so that if you click on the Accounts tab you can see how your net worth changed over different periods of time, including one month, three months, six months, a year or all time.

On the main screen, you’ll also find tabs for accounts, transactions, cash flow, budget and recurring. Like many of the other apps featured here, Monarch can auto-detect recurring expenses and income, even if it gets the category wrong. (They all do to an extent.) Expense categories are marked by emoji, which you can customize if you’re so inclined.

Monarch Money uses a combination of networks to connect with banks, including Plaid, MX and Finicity, a competing network owned by Mastercard. (I have a quick explainer on Plaid, the industry standard in this space, toward the end of this guide.) As part of an update in late December, Monarch has also made it easier to connect through those other two networks, if for some reason Plaid fails. Similar to NerdWallet, I found myself completing two-factor authentication every time I wanted to get past the Plaid screen to add another account. Notably, Monarch is the only other app I tested that allows you to grant access to someone else in your family — likely a spouse or financial advisor. Monarch also has a Chrome extension for importing from Mint, though really this is just a shortcut for downloading a CSV file, which you’ll have to do regardless of where you choose to take your Mint data.

Additionally, Monarch just added the ability to track Apple Card, Apple Cash, and Savings accounts, thanks to new functionality brought with the iOS 17.4 update. It's not the only one either; currently, Copilot and YNAB have also added similar functionality that will be available to anyone with the latest versions of their respective apps on a device running iOS 17.4. Instead of manually uploading statements, the new functionality allows apps like Monarch's to automatically pull in transactions and balance history. That should make it easier to account for spending on Apple cards and accounts throughout the month.

Monarch also recently launched investment transactions in beta. It also says bill tracking and an overhauled goals system are coming soon. Monarch hasn't provided a timeline for that last one, except to say that the improved goals feature is coming in early 2024.

Copilot Money might be the best-looking budgeting app I tested. It also has the distinction of being exclusive to iOS and Macs — at least for now. Andres Ugarte, the company’s CEO, has publicly promised that Android and web apps are coming in 2024 (more likely the second half of the year, Ugarte tells me). But until it follows through, I can’t recommend Copilot for most people with so many good competitors out there.

There are other features that Copilot is missing, which I’ll get into. But it is promising, and one to keep an eye on. It’s just a fast, efficient, well designed app, and Android users will be in for a treat when they’ll finally be able to download it. It makes good use of colors, emoji and graphs to help you understand at a glance how you’re doing on everything from your budgets to your investment performance to your credit card debt over time. In particular, Copilot does a better job than almost any other app of visualizing your recurring monthly expenses.

Behind those punchy colors and cutesy emoji, though, is some sophisticated performance. Copilot’s AI-powered “Intelligence” gets smarter as you go at categorizing your expenses. (You can also add your own categories, complete with your choice of emoji.) It’s not perfect. Copilot miscategorized some purchases (they all do), but it makes it easier to edit than most. On top of that, the internal search feature is very fast; it starts whittling down results in your transaction history as soon as you begin typing.

A screenshot of Copilot Money's iOS app.
Dana Wollman / Engadget

Copilot is also unique in offering Amazon and Venmo integrations, allowing you to see transaction details. With Amazon, this requires just signing into your Amazon account via an in-app browser. For Venmo, you have to set up fwd@copilot.money as a forwarding address and then create a filter, wherein emails from venmo@venmo.com are automatically forwarded to fwd@copilot.money. Like Monarch Money, you can also add any property you own and track its value through Zillow, which is integrated with the app.

While the app is heavily automated, I still appreciate that Copilot marks new transactions for review. It’s a good way to both weed out fraudulent charges, and also be somewhat intentional about your spending habits.

Like Monarch Money, Copilot updated its app to make it easier to connect to banks through networks other than Plaid. As part of the same update, Copilot said it has improved its connections to both American Express and Fidelity which, again, can be a bugbear for some budget tracking apps. In an even more recent update, Copilot added a Mint import option, which other budgeting apps have begun to offer as well.

Because the app is relatively new (it launched in early 2020), the company is still catching up to the competition on some table-stakes features. Ugarte told me that his team is almost done building out a detailed cash flow section, which could launch before the end of 2023, but more likely in early 2024. On its website, Copilot also promises a raft of AI-powered features that build on its current “Intelligence” platform, the one that powers its smart expense categorization. These include “smart financial goals,” natural language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is meant to give people a sense of how they’re doing compared to other Copilot users, on both spending and investment performance. Most of these features should arrive in the new year.

Copilot does a couple interesting things for new customers that distinguish it from the competition. There’s a “demo mode” that feels like a game simulator; no need to add your own accounts. The company is also offering two free months with RIPMINT — a more generous introductory offer than most. When it finally does come time to pony up, the $7.92 monthly plan is cheaper than some competing apps, although the $95-a-year-option is in the same ballpark.

You may know NerdWallet as a site that offers a mix of personal finance news, explainers and guides. I see it often when I google a financial term I don’t know and sure enough, it’s one of the sites I’m most likely to click on. As it happens, NerdWallet also has the distinction of offering one of the only free budgeting apps I tested. In fact, there is no paid version; nothing is locked behind a paywall. The main catch: There are ads everywhere. To be fair, the free version of Mint was like this, too.

Even with the inescapable credit card offers, NerdWallet has a clean, easy-to-understand user interface, which includes both a web and a mobile app. The key metrics that it highlights most prominently are your cash flow, net worth and credit score. (Of note, although Mint itself offered credit score monitoring, most of its rivals do not.) I particularly enjoyed the weekly insights, which delve into things like where you spent the most money or how much you paid in fees — and how that compares to the previous month. Because this is NerdWallet, an encyclopedia of financial info, you get some particularly specific category options when setting up your accounts (think: a Roth or non-Roth IRA).

A screenshot of the
Dana Wollman / Engadget

As a budgeting app, NerdWallet is more than serviceable, if a bit basic. Like other apps I tested, you can set up recurring bills. Importantly, it follows the popular 50/30/20 budgeting rule, which has you putting 50% of your budget toward things you need, 30% toward things you want, and the remaining 20% into savings or debt repayments. If this works for you, great — just know that you can’t customize your budget to the same degree as some competing apps. You can’t currently create custom spending categories, though a note inside the dashboard section of the app says “you’ll be able to customize them in the future.” You also can’t move items from the wants column to “needs” or vice versa but “In the future, you'll be able to move specific transactions to actively manage what falls into each group.” A NerdWallet spokesperson declined to provide an ETA, though.

Lastly, it’s worth noting that NerdWallet had one of the most onerous setup processes of any app I tested. I don’t think this is a dealbreaker, as you’ll only have to do it once and, hopefully, you aren’t setting up six or seven apps in tandem as I was. What made NerdWallet’s onboarding especially tedious is that every time I wanted to add an account, I had to go through a two-factor authentication process to even get past the Plaid splash screen, and that’s not including the 2FA I had set up at each of my banks. This is a security policy on NerdWallet’s end, not Plaid’s, a Plaid spokesperson says.

Precisely because NerdWallet is one of the only budget trackers to offer credit score monitoring, it also needs more of your personal info during setup, including your birthday, address, phone number and the last four digits of your social security number. It’s the same with Credit Karma, which also does credit score monitoring.

Related to the setup process, I found that NerdWallet was less adept than other apps at automatically detecting my regular income. In my case, it counted a large one-time wire transfer as income, at which point my only other option was to enter my income manually (which is slightly annoying because I would have needed my pay stub handy to double-check my take-home pay).

YNAB is, by its own admission, “different from anything you’ve tried before.” The app, whose name is short for You Need a Budget, promotes a so-called zero-based budgeting system, which forces you to assign a purpose for every dollar you earn. A frequently used analogy is to put each dollar in an envelope; you can always move money from one envelope to another in a pinch. These envelopes can include rent and utilities, along with unforeseen expenses like holiday gifts and the inevitable car repair. The idea is that if you budget a certain amount for the unknowns each month, they won’t feel like they’re sneaking up on you.

Importantly, YNAB is only concerned with the money you have in your accounts now. The app does not ask you to provide your take-home income or set up recurring income payments (although there is a way to do this). The money you will make later in the month through your salaried job is not relevant, because YNAB does not engage in forecasting.

The app is harder to learn than any other here, and it requires more ongoing effort from the user. And YNAB knows that. Inside both the mobile and web apps are links to videos and other tutorials. Although I never quite got comfortable with the user interface, I did come to appreciate YNAB’s insistence on intentionality. Forcing users to draft a new budget each month and to review each transaction is not necessarily a bad thing. As YNAB says on its website, “Sure, you’ve got pie charts showing that you spent an obscene amount of money in restaurants — but you’ve still spent an obscene amount of money in restaurants.” I can see this approach being useful for people who don’t tend to have a lot of cash in reserve at a given time, or who have spending habits they want to correct (to riff off of YNAB’s own example, ordering Seamless four times a week).

My colleague Valentina Palladino, knowing I was working on this guide, penned a respectful rebuttal, explaining why she’s been using YNAB for years. Perhaps, like her, you have major savings goals you want to achieve, whether it’s paying for a wedding or buying a house. I suggest you give her column a read. For me, though, YNAB’s approach feels like overkill.

PocketGuard is one of the only reputable free budget trackers I found in my research. Just know it’s far more restricted at the free tier than NerdWallet or Mint. In my testing, I was prompted to pay after I attempted to link more than two bank accounts. So much for free, unless you keep things simple with one cash account and one credit card. When it comes time to upgrade to PocketGuard Plus, you have three options: pay $7.99 a month, $34.99 a year or $79.99 for a one-time lifetime license. That lifetime option is actually one of the few unique selling points for me: I’m sure some people will appreciate paying once and never having to, uh, budget for it again.

From the main screen, you’ll see tabs for accounts, insights, transactions and the “Plan,” which is where you see recurring payments stacked on top of what looks like a budget. The main overview screen shows you your net worth, total assets and debts; net income and total spending for the month; upcoming bills; a handy reminder of when your next paycheck lands; any debt payoff plan you have; and any goals.

A screenshot of the
Dana Wollman / Engadget

Like some other apps, including Quicken Simplifi, PocketGuard promotes an “after bills” approach, where you enter all of your recurring bills, and then PocketGuard shows you what’s left, and that’s what you’re supposed to be budgeting: your disposable income. Obviously, other apps have a different philosophy: take into account all of your post-tax income and use it to pay the bills, purchase things you want and maybe even save a little. But in PocketGuard, it’s the “in your pocket” number that’s most prominent. To PocketGuard’s credit, it does a good job visualizing which bills are upcoming and which ones you’ve already paid.

PocketGuard has also publicly committed to adding some popular features in early 2024. These include rollover budgeting in January 2024, categorization rules in February and shared household access in March.

A screenshot of PocketGuard's iOS app.
Dana Wollman / Engadget

Although PocketGuard’s UI is easy enough to understand, it lacks polish. The “accounts” tab is a little busy, and doesn’t show totals for categories like cash or investments. Seemingly small details like weirdly phrased or punctuated copy occasionally make the app feel janky. More than once, it prompted me to update the app when no updates were available. The web version, meanwhile, feels like the mobile app blown up to a larger format and doesn’t take advantage of the extra screen real estate.

Of note, although PocketGuard does work with Plaid, its primary bank-connecting platform is actually Finicity. Setting up my accounts through Finicity was mostly a straightforward process. I did encounter one hiccup: Finicity would not connect to my SoFi account. I was able to do it through Plaid, but PocketGuard doesn’t make it easy to access Plaid in the app. The only way, as far as I can tell, is to knowingly search for the name of a bank that isn’t available through Finicity, at which point you get the option to try Plaid instead. Like I said: the experience can be janky.

Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining in its own section what it is and how it works. Plaid was founded as a fintech startup in 2013 and is today the industry standard in connecting banks with third-party apps. Plaid works with over 12,000 financial institutions across the US, Canada and Europe. Additionally, more than 8,000 third-party apps and services rely on Plaid, the company claims.

To be clear, you don’t need a dedicated Plaid app to use it; the technology is baked into a wide array of apps, including the budget trackers I tested for this guide. Once you find the “add an account” option in whichever one you’re using, you’ll see a menu of commonly used banks. There’s also a search field you can use to look yours up directly. Once you find yours, you’ll be prompted to enter your login credentials. If you have two-factor authentication set up, you’ll need to enter a one-time passcode as well.

As the middleman, Plaid is a passthrough for information that may include your account balances, transaction history, account type and routing or account number. Plaid uses encryption, and says it has a policy of not selling or renting customer data to other companies. However, I would not be doing my job if I didn’t note that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for collecting “more financial data than was needed.” As part of the settlement, Plaid was compelled to change some of its business practices.

In a statement provided to Engadget, a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that “the crux of the non-financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid’s role in connecting their accounts, and ensuring that our workstreams around data minimization remain on track.”

To conclude, you might be wondering what app I decided on for myself after all of this research. The answer is actually two apps: Quicken Simplifi, my overall top pick, and Copilot Money. For now, I am actively using both apps and still deciding, long-term, which I feel more comfortable with. I tend to prefer Copilot's fast, colorful user interface, but as I explained above, it's too lacking in table-stakes features for me to go so far as to name it the best overall option.

Mint users should consider getting their data ready to migrate to their new budgeting app of choice soon. Unfortunately, importing data from Mint is not as easy as entering your credentials from inside your new app and hitting “import.” In fact, any app that advertises the ability to port over your stats from Mint is just going to have you upload a CSV file of transactions and other data.

To download a CSV file from Mint, do the following:

  1. Sign into Mint.com and hit Transactions in the menu on the left side of the screen.

  2. Select an account, or all accounts.

  3. Scroll down and look for “export [number] transactions” in smaller print.

  4. Your CSV file should begin downloading.

Note: Downloading on a per-account basis might seem more annoying, but could help you get set up on the other side, if the app you’re using has you importing transactions one-for-one into their corresponding accounts.

Before I dove into the world of budgeting apps, I had to do some research. To find a list of apps to test, I consulted trusty ol’ Google (and even trustier Reddit); read reviews of popular apps on the App Store; and also asked friends and colleagues what budget tracking apps they might be using. Some of the apps I found were free, just like Mint. These, of course, show loads of ads (excuse me, “offers”) to stay in business. But most of the available apps require paid subscriptions, with prices typically topping out around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than that.)

Since this guide is meant to help Mint users find a permanent replacement, any services I chose to test needed to do several things: import all of your account data into one place; offer budgeting tools; and track your spending, net worth and credit score. Except where noted, all of these apps are available for iOS, Android and on the web.

Once I had my shortlist of six apps, I got to work setting them up. For the sake of thoroughly testing these apps (and remember, I really was looking for a Mint alternative myself), I made a point of adding every account to every budgeting app, no matter how small or immaterial the balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for the same banks half a dozen times over. Hopefully, you only have to do this once.

Rocket Money is another free financial app that tracks spending and supports things like balance alerts and account linking. If you pay for the premium tier, the service can also help you cancel unwanted subscriptions. We did not test it for this guide, but we'll consider it in future updates.

This article originally appeared on Engadget at https://www.engadget.com/apps/the-best-budgeting-apps-to-replace-mint-143047346.html?src=rss

The 5 best Mint alternatives to replace the budgeting app that shut down

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As a long-time Mint user, I was frustrated to say the least when news broke at the end of 2023 that Intuit would shut Mint down. I, like millions of others, enjoyed how easily Mint allowed us to track all accounts in one place and monitor credit scores. I also used it regularly to track spending, set goals like pay my mortgage down faster and with general money management.

So I set out to find the best Mint alternatives in the wake of its disappointing demise. I gave Credit Karma, Intuit’s other financial app, a try but found it to be a poor Mint substitute. The following guide lays out my experience testing some of the most popular Mint replacement apps available today in search of my next budgeting app.

Our pick for best Mint alternative remains Quicken Simplifi, even months after the Mint shutting down, thanks to its easy to use app, good income and bill detection and its affordable price. But there are plenty of other solid options out there for those with different needs. If you’re also on the hunt for a budgeting app to replace Mint, we hope these details can help you decide which of the best budgeting apps out there will be right for you.

No pun intended, but what I like about Quicken Simplifi is its simplicity. Whereas other budgeting apps try to distinguish themselves with dark themes and customizable emoji, Simplifi has a clean user interface, with a landing page that you just keep scrolling through to get a detailed overview of all your stats. These include your top-line balances; net worth; recent spending; upcoming recurring payments; a snapshot of your spending plan; top spending categories; achievements; and any watchlists you’ve set up.

Another one of the key features I appreciate is the ability to set up savings goals elsewhere in the app. I also appreciate how it offers neat, almost playful visualizations without ever looking cluttered. I felt at home in the mobile and web dashboards after a day or so, which is faster than I adapted to some competing services (I’m looking at you, YNAB and Monarch).

Getting set up with Simplifi was mostly painless. I was particularly impressed at how easily it connected to Fidelity; not all budget trackers do, for whatever reason. This is also one of the only services I tested that gives you the option of inviting a spouse or financial advisor to co-manage your account. One thing I would add to my initial assessment of the app, having used it for a few months now: I wish Simplifi offered Zillow integration for easily tracking your home value (or at least a rough estimate of it). Various competitors including Monarch Money and Copilot Money work with Zillow, so clearly there's a Zillow API available for use. As it stands, Simplifi users must add real estate manually like any other asset.

A screenshot of the
Dana Wollman / Engadget

In practice, Simplifi miscategorized some of my expenses, but nothing out of the ordinary compared to any of these budget trackers. As you’re reviewing transactions, you can also mark if you’re expecting a refund, which is a unique feature among the services I tested. Simplifi also estimated my regular income better than some other apps I tested. Most of all, I appreciated the option of being able to categorize some, but not all, purchases from a merchant as recurring. For instance, I can add my two Amazon subscribe-and-saves as recurring payments, without having to create a broad-strokes rule for every Amazon purchase.

The budgeting feature is also self-explanatory and can likely accommodate your preferred budgeting method. Just check that your regular income is accurate and be sure to set up recurring payments, making note of which are bills and which are subscriptions. This is important because Simplifi shows you your total take-home income as well as an “income after bills” figure. That number includes, well, bills but not discretionary subscriptions. From there, you can add spending targets by category in the “planned spending” bucket. Planned spending can also include one-time expenditures, not just monthly budgets. When you create a budget, Simplifi will suggest a number based on a six-month average.

Not dealbreakers, but two things to keep in mind as you get started: Simplifi is notable in that you can’t set up an account through Apple or Google. There is also no option for a free trial, though Quicken promises a “30-day money back guarantee.”

Monarch Money grew on me. My first impression of the budgeting app, which was founded by a former Mint product manager, was that it's more difficult to use than others on this list, including Simplifi, NerdWallet and Copilot. And it is. Editing expense categories, adding recurring transactions and creating rules, for example, is a little more complicated than it needs to be, especially in the mobile app. (My advice: Use the web app for fine-tuning details.) Monarch also didn’t get my income right; I had to edit it.

Once you’re set up, though, Monarch offers an impressive level of granularity. In the budgets section, you can see a bona fide balance sheet showing budgets and actuals for each category. You'll also find a forecast, for the year or by month. And recurring expenses can be set not just by merchant, but other parameters as well. For instance, while most Amazon purchases might be marked as “shopping,” those for the amounts of $54.18 or $34.18 are definitely baby supplies, and can be automatically marked as such each time, not to mention programmed as recurring payments. Weirdly, though, there’s no way to mark certain recurring payments as bills, specifically.

A screenshot of the
Dana Wollman / Engadget

Not long after I first published this story in December 2023, Monarch introduced a detailed reporting section where you can create on-demand graphs based on things like accounts, categories and tags. That feature is available just on the web version of the app for now. As part of this same update, Monarch added support for an aggregator that makes it possible to automatically update the value of your car. This, combined with the existing Zillow integration for tracking your home value, makes it easy to quickly add a non-liquid asset like a vehicle or real estate, and have it show up in your net worth graph.

The mobile app is mostly self-explanatory. The main dashboard shows your net worth; your four most recent transactions; a month-over-month spending comparison; income month-to-date; upcoming bills; an investments snapshot; a list of any goals you’ve set; and, finally, a link to your month-in-review. That month-in-review is more detailed than most, delving into cash flow; top income and expense categories; cash flow trends; changes to your net worth, assets and liabilities; plus asset and liability breakdowns. In February 2024, Monarch expanded on the net worth graph, so that if you click on the Accounts tab you can see how your net worth changed over different periods of time, including one month, three months, six months, a year or all time.

On the main screen, you’ll also find tabs for savings and checking accounts (and all others as well), transactions, cash flow, budget and recurring. Like many of the other apps featured here, Monarch can auto-detect recurring expenses and income, even if it gets the category wrong. (They all do to an extent.) Expense categories are marked by emoji, which you can customize if you’re so inclined.

Monarch Money uses a combination of networks to connect with banks, including Plaid, MX and Finicity, a competing network owned by Mastercard. (I have a quick explainer on Plaid, the industry standard in this space, toward the end of this guide.) As part of an update in late December, Monarch has also made it easier to connect through those other two networks, if for some reason Plaid fails. Similar to NerdWallet, I found myself completing two-factor authentication every time I wanted to get past the Plaid screen to add another account. Notably, Monarch is the only other app I tested that allows you to grant access to someone else in your family — likely a spouse or financial advisor. Monarch also has a Chrome extension for importing from Mint, though really this is just a shortcut for downloading a CSV file, which you’ll have to do regardless of where you choose to take your Mint data.

Additionally, Monarch just added the ability to track Apple Card, Apple Cash, and Savings accounts, thanks to new functionality brought with the iOS 17.4 update. It's not the only one either; currently, Copilot and YNAB have also added similar functionality that will be available to anyone with the latest versions of their respective apps on a device running iOS 17.4. Instead of manually uploading statements, the new functionality allows apps like Monarch's to automatically pull in transactions and balance history. That should make it easier to account for spending on Apple cards and accounts throughout the month.

Monarch also recently launched investment transactions in beta. It also says bill tracking and an overhauled goals system are coming soon. Monarch hasn't provided a timeline for that last one, except to say that the improved goals feature is coming soon.

Copilot Money might be the best-looking budgeting app I tested. It also has the distinction of being exclusive to iOS and Macs — at least for now. Andres Ugarte, the company’s CEO, has publicly promised that Android and web apps are coming soon. But until it follows through, I can’t recommend Copilot for most people with so many good competitors out there.

There are other features that Copilot is missing, which I’ll get into. But it is promising, and one to keep an eye on. It’s just a fast, efficient, well designed app, and Android users will be in for a treat when they’ll finally be able to download it. It makes good use of colors, emoji and graphs to help you understand at a glance how you’re doing on everything from your budgets to your investment performance to your credit card debt over time. In particular, Copilot does a better job than almost any other app of visualizing your recurring monthly expenses.

Behind those punchy colors and cutesy emoji, though, is some sophisticated performance. Copilot’s AI-powered “Intelligence” gets smarter as you go at categorizing your expenses. (You can also add your own categories, complete with your choice of emoji.) It’s not perfect. Copilot miscategorized some purchases (they all do), but it makes it easier to edit than most. On top of that, the internal search feature is very fast; it starts whittling down results in your transaction history as soon as you begin typing.

A screenshot of Copilot Money's iOS app.
Dana Wollman / Engadget

Copilot is also unique in offering Amazon and Venmo integrations, allowing you to see transaction details. With Amazon, this requires just signing into your Amazon account via an in-app browser. For Venmo, you have to set up fwd@copilot.money as a forwarding address and then create a filter, wherein emails from venmo@venmo.com are automatically forwarded to fwd@copilot.money. Like Monarch Money, you can also add any property you own and track its value through Zillow, which is integrated with the app.

While the app is heavily automated, I still appreciate that Copilot marks new transactions for review. It’s a good way to both weed out fraudulent charges, and also be somewhat intentional about your spending habits.

Like Monarch Money, Copilot updated its app to make it easier to connect to banks through networks other than Plaid. As part of the same update, Copilot said it has improved its connections to both American Express and Fidelity which, again, can be a bugbear for some budget tracking apps. In an even more recent update, Copilot added a Mint import option, which other budgeting apps have begun to offer as well.

Because the app is relatively new (it launched in early 2020), the company is still catching up to the competition on some table-stakes features. Ugarte told me that his team is almost done building out a detailed cash flow section as well. On its website, Copilot also promises a raft of AI-powered features that build on its current “Intelligence” platform, the one that powers its smart expense categorization. These include “smart financial goals,” natural language search, a chat interface, forecasting and benchmarking. That benchmarking, Ugarte tells me, is meant to give people a sense of how they’re doing compared to other Copilot users, on both spending and investment performance. Most of these features should arrive in the new year.

Copilot does a couple interesting things for new customers that distinguish it from the competition. There’s a “demo mode” that feels like a game simulator; no need to add your own accounts. The company is also offering two free months with RIPMINT — a more generous introductory offer than most. When it finally does come time to pony up, the $7.92 monthly plan is cheaper than some competing apps, although the $95-a-year-option is in the same ballpark.

You may know NerdWallet as a site that offers a mix of personal finance news, explainers and guides. I see it often when I google a financial term I don’t know and sure enough, it’s one of the sites I’m most likely to click on. As it happens, NerdWallet also has the distinction of offering one of the only free budgeting apps I tested. In fact, there is no paid version; nothing is locked behind a paywall. The main catch: There are ads everywhere. To be fair, the free version of Mint was like this, too.

Even with the inescapable credit card offers, NerdWallet has a clean, easy-to-understand user interface, which includes both a web and a mobile app. The key metrics that it highlights most prominently are your cash flow, net worth and credit score. (Of note, although Mint itself offered credit score monitoring, most of its rivals do not.) I particularly enjoyed the weekly insights, which delve into things like where you spent the most money or how much you paid in fees — and how that compares to the previous month. Because this is NerdWallet, an encyclopedia of financial info, you get some particularly specific category options when setting up your accounts (think: a Roth or non-Roth IRA).

A screenshot of the
Dana Wollman / Engadget

As a budgeting app, NerdWallet is more than serviceable, if a bit basic. Like other apps I tested, you can set up recurring bills. Importantly, it follows the popular 50/30/20 budgeting rule, which has you putting 50% of your budget toward things you need, 30% toward things you want, and the remaining 20% into savings or debt repayments. If this works for you, great — just know that you can’t customize your budget to the same degree as some competing apps. You can’t currently create custom spending categories, though a note inside the dashboard section of the app says “you’ll be able to customize them in the future.” You also can’t move items from the wants column to “needs” or vice versa but “In the future, you'll be able to move specific transactions to actively manage what falls into each group.” A NerdWallet spokesperson declined to provide an ETA, though.

Lastly, it’s worth noting that NerdWallet had one of the most onerous setup processes of any app I tested. I don’t think this is a dealbreaker, as you’ll only have to do it once and, hopefully, you aren’t setting up six or seven apps in tandem as I was. What made NerdWallet’s onboarding especially tedious is that every time I wanted to add an account, I had to go through a two-factor authentication process to even get past the Plaid splash screen, and that’s not including the 2FA I had set up at each of my banks. This is a security policy on NerdWallet’s end, not Plaid’s, a Plaid spokesperson says.

Precisely because NerdWallet is one of the only budget trackers to offer credit score monitoring, it also needs more of your personal info during setup, including your birthday, address, phone number and the last four digits of your social security number. It’s the same with Credit Karma, which also does credit score monitoring.

Related to the setup process, I found that NerdWallet was less adept than other apps at automatically detecting my regular income. In my case, it counted a large one-time wire transfer as income, at which point my only other option was to enter my income manually (which is slightly annoying because I would have needed my pay stub handy to double-check my take-home pay).

YNAB is, by its own admission, “different from anything you’ve tried before.” The app, whose name is short for You Need a Budget, promotes a so-called zero-based budgeting system, which forces you to assign a purpose for every dollar you earn. A frequently used analogy is to put each dollar in an envelope; you can always move money from one envelope to another in a pinch. These envelopes can include rent and utilities, along with unforeseen expenses like holiday gifts and the inevitable car repair. The idea is that if you budget a certain amount for the unknowns each month, they won’t feel like they’re sneaking up on you.

Importantly, YNAB is only concerned with the money you have in your accounts now. The app does not ask you to provide your take-home income or set up recurring income payments (although there is a way to do this). The money you will make later in the month through your salaried job is not relevant, because YNAB does not engage in forecasting.

The app is harder to learn than any other here, and it requires more ongoing effort from the user. And YNAB knows that. Inside both the mobile and web apps are links to videos and other tutorials. Although I never quite got comfortable with the user interface, I did come to appreciate YNAB’s insistence on intentionality. Forcing users to draft a new budget each month and to review each transaction is not necessarily a bad thing. As YNAB says on its website, “Sure, you’ve got pie charts showing that you spent an obscene amount of money in restaurants — but you’ve still spent an obscene amount of money in restaurants.” I can see this approach being useful for people who don’t tend to have a lot of cash in reserve at a given time, or who have spending habits they want to correct (to riff off of YNAB’s own example, ordering Seamless four times a week).

My colleague Valentina Palladino, knowing I was working on this guide, penned a respectful rebuttal, explaining why she’s been using YNAB for years. Perhaps, like her, you have major savings goals you want to achieve, whether it’s paying for a wedding or buying a house. I suggest you give her column a read. For me, though, YNAB’s approach feels like overkill.

PocketGuard used to be a solid free budget tracker, but the company has since limited its “free” version to just a free seven-day trial. Now, you’ll have to choose between two plans once the trial is over: a $13 monthly plan or a $75 annual plan. When I first tested it, I found it to be more restricted than NerdWallet, but still a decent option. The main overview screen shows you your net worth, total assets and debts; net income and total spending for the month; upcoming bills; a handy reminder of when your next paycheck lands; any debt payoff plan you have; and any goals. Like some other apps, including Quicken Simplifi, PocketGuard promotes an “after bills” approach, where you enter all of your recurring bills, and then PocketGuard shows you what’s left, and that’s what you’re supposed to be budgeting: your disposable income.

Although PocketGuard’s UI is easy enough to understand, it lacks polish. The “accounts” tab is a little busy, and doesn’t show totals for categories like cash or investments. Seemingly small details like weirdly phrased or punctuated copy occasionally make the app feel janky. More than once, it prompted me to update the app when no updates were available. The web version, meanwhile, feels like the mobile app blown up to a larger format and doesn’t take advantage of the extra screen real estate. Ultimately, now that the free tier is gone, it just doesn’t present the same value proposition as it once did.

Each of the apps I tested uses the same underlying network, called Plaid, to pull in financial data, so it’s worth explaining in its own section what it is and how it works. Plaid was founded as a fintech startup in 2013 and is today the industry standard in connecting banks with third-party apps. Plaid works with over 12,000 financial institutions across the US, Canada and Europe. Additionally, more than 8,000 third-party apps and services rely on Plaid, the company claims.

To be clear, you don’t need a dedicated Plaid app to use it; the technology is baked into a wide array of apps, including the budget trackers I tested for this guide. Once you find the “add an account” option in whichever one you’re using, you’ll see a menu of commonly used banks. There’s also a search field you can use to look yours up directly. Once you find yours, you’ll be prompted to enter your login credentials. If you have two-factor authentication set up, you’ll need to enter a one-time passcode as well.

As the middleman, Plaid is a passthrough for information that may include your account balances, transaction history, account type and routing or account number. Plaid uses encryption, and says it has a policy of not selling or renting customer data to other companies. However, I would not be doing my job if I didn’t note that in 2022 Plaid was forced to pay $58 million to consumers in a class action suit for collecting “more financial data than was needed.” As part of the settlement, Plaid was compelled to change some of its business practices.

In a statement provided to Engadget, a Plaid spokesperson said the company continues to deny the allegations underpinning the lawsuit and that “the crux of the non-financial terms in the settlement are focused on us accelerating workstreams already underway related to giving people more transparency into Plaid’s role in connecting their accounts, and ensuring that our workstreams around data minimization remain on track.”

Mint users should consider getting their data ready to migrate to their new budgeting app of choice soon. Unfortunately, importing data from Mint is not as easy as entering your credentials from inside your new app and hitting “import.” In fact, any app that advertises the ability to port over your stats from Mint is just going to have you upload a CSV file of transactions and other data.

To download a CSV file from Mint, do the following:

  1. Sign into Mint.com and hit Transactions in the menu on the left side of the screen.

  2. Select an account, or all accounts.

  3. Scroll down and look for “export [number] transactions” in smaller print.

  4. Your CSV file should begin downloading.

Note: Downloading on a per-account basis might seem more annoying, but could help you get set up on the other side, if the app you’re using has you importing transactions one-for-one into their corresponding accounts.

Before I dove into the world of budgeting apps, I had to do some research. To find a list of apps to test, I consulted trusty ol’ Google (and even trustier Reddit); read reviews of popular apps on the App Store; and also asked friends and colleagues what budget tracking apps they might be using. Some of the apps I found were free, just like Mint. These, of course, show loads of ads (excuse me, “offers”) to stay in business. But most of the available apps require paid subscriptions, with prices typically topping out around $100 a year, or $15 a month. (Spoiler: My top pick is cheaper than that.)

Since this guide is meant to help Mint users find a permanent replacement, any services I chose to test needed to do several things: import all of your account data into one place; offer budgeting tools; and track your spending, net worth and credit score. Except where noted, all of these apps are available for iOS, Android and on the web.

Once I had my shortlist of six apps, I got to work setting them up. For the sake of thoroughly testing these apps (and remember, I really was looking for a Mint alternative myself), I made a point of adding every account to every budgeting app, no matter how small or immaterial the balance. What ensued was a veritable Groundhog Day of two-factor authentication. Just hours of entering passwords and one-time passcodes, for the same banks half a dozen times over. Hopefully, you only have to do this once.

Rocket Money is another free financial app that tracks spending and supports things like balance alerts and account linking. If you pay for the premium tier, the service can also help you cancel unwanted subscriptions. We did not test it for this guide, but we'll consider it in future updates.

This article originally appeared on Engadget at https://www.engadget.com/apps/the-best-budgeting-apps-to-replace-mint-143047346.html?src=rss

Beeper says it’s done playing cat and mouse with Apple over its iMessage for Android app

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Beeper versus Apple has been our own little David and Goliath matchup, but it looks like the saga’s coming to a close. The Beeper Mini chat app has issued yet another fix after Apple once again disabled access to the iMessage platform. The company says this will be the last fix released. Beeper wrote in a blog post today that it's done “playing a cat-and-mouse game with the largest company" on the planet. 

“With our latest software release, we believe we’ve created something that Apple can tolerate existing. We do not have any current plans to respond if this solution is knocked offline,” the company wrote.

So what’s the latest workaround? It’s certainly not a simple patch. It involves pairing your current mobile device with a Mac or an old iPhone. Mac users with Beeper Cloud should be able to simply update and reconnect, though not all macOS versions will support the software update. You can also ask a friend with a Mac and Beeper Cloud to share their iMessage registration code, which can be used with the desktop app.

Finally, you can jailbreak an old iPhone (6/6s/7/8/X), install Beeper’s tool to generate an iMessage registration code and update to the latest Beeper Mini app to enter the code and access the service. The company’s also renting and selling jailbroken iPhones for this task. Jailbreaking an iPhone, after all, can be confusing for beginners.

On the upside, the company says these fixes work well and even bring blue phone numbers back to the Beeper Mini experience. However, if you don’t have a Mac or an old iPhone, or access to either, you’re pretty much out of luck. Beeper says it’ll hold onto your chat history if you happen upon an old gadget at some point in the future. 

This has been a month-long battle between the two companies, which started with the launch of the Beeper Mini app. This app offered true iMessage support to Android devices via a software exploit. Just a few days later, the app went on the fritz after Apple blocked the exploit. This led to more complicated fixes on Beeper’s part, with one requiring an official Apple ID and another requiring a Mac computer. Apple found ways around all of them, which actually spurred US lawmakers to call for a DOJ probe.

If Apple blocks this final fix, that’ll be it for Beeper Mini, but the company has made the software open-source for other folks looking to give it a go. Beeper may be giving up on iMessage integration, but it's powering full-steam ahead with its primary chat app. The company promises it’ll work throughout 2024 to turn it into the “best chat app on Earth.”

This article originally appeared on Engadget at https://www.engadget.com/beeper-says-its-done-playing-cat-and-mouse-with-apple-over-its-imessage-for-android-app-182213320.html?src=rss

Beeper says it’s done playing cat and mouse with Apple over its iMessage for Android app

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Beeper versus Apple has been our own little David and Goliath matchup, but it looks like the saga’s coming to a close. The Beeper Mini chat app has issued yet another fix after Apple once again disabled access to the iMessage platform. The company says this will be the last fix released. Beeper wrote in a blog post today that it's done “playing a cat-and-mouse game with the largest company" on the planet. 

“With our latest software release, we believe we’ve created something that Apple can tolerate existing. We do not have any current plans to respond if this solution is knocked offline,” the company wrote.

So what’s the latest workaround? It’s certainly not a simple patch. It involves pairing your current mobile device with a Mac or an old iPhone. Mac users with Beeper Cloud should be able to simply update and reconnect, though not all macOS versions will support the software update. You can also ask a friend with a Mac and Beeper Cloud to share their iMessage registration code, which can be used with the desktop app.

Finally, you can jailbreak an old iPhone (6/6s/7/8/X), install Beeper’s tool to generate an iMessage registration code and update to the latest Beeper Mini app to enter the code and access the service. The company’s also renting and selling jailbroken iPhones for this task. Jailbreaking an iPhone, after all, can be confusing for beginners.

On the upside, the company says these fixes work well and even bring blue phone numbers back to the Beeper Mini experience. However, if you don’t have a Mac or an old iPhone, or access to either, you’re pretty much out of luck. Beeper says it’ll hold onto your chat history if you happen upon an old gadget at some point in the future. 

This has been a month-long battle between the two companies, which started with the launch of the Beeper Mini app. This app offered true iMessage support to Android devices via a software exploit. Just a few days later, the app went on the fritz after Apple blocked the exploit. This led to more complicated fixes on Beeper’s part, with one requiring an official Apple ID and another requiring a Mac computer. Apple found ways around all of them, which actually spurred US lawmakers to call for a DOJ probe.

If Apple blocks this final fix, that’ll be it for Beeper Mini, but the company has made the software open-source for other folks looking to give it a go. Beeper may be giving up on iMessage integration, but it's powering full-steam ahead with its primary chat app. The company promises it’ll work throughout 2024 to turn it into the “best chat app on Earth.”

This article originally appeared on Engadget at https://www.engadget.com/beeper-says-its-done-playing-cat-and-mouse-with-apple-over-its-imessage-for-android-app-182213320.html?src=rss

Microsoft is nixing its Windows mixed reality platform

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Windows Mixed Reality is heading to a farm upstate. Microsoft is shutting down the platform, according to an official list of deprecated Windows features. This includes the garden variety Windows Mixed Reality software, along with the Mixed Reality Portal app and the affiliated Steam VR app. The platform isn’t gone yet, but Microsoft says it’ll be “removed in a future release of Windows.”

Microsoft first unveiled Windows Mixed Reality back in 2017 as its attempt to compete with rivals in the VR space, like HTC and Oculus (which is now owned by Meta.) We were fascinated by the tech when it first launched, as it offered the ability for in-person shared mixed reality. The pricey Apple Vision Pro could offer a similar experience when it presumably launches in February.

Microsoft’s platform was ultimately adopted by several VR headsets, like the HP Reverb G2 and others manufactured by companies like Acer, Asus and Samsung. The Windows Mixed Reality Portal app allowed access to games, experiences and plenty of work-related productivity apps. However, it looks like the adoption rate wasn’t up to snuff, as indicated by today’s news.

Despite the imminent end to the platform, it doesn’t look to be impacting Microsoft’s other mixed-reality ecosystem, the HoloLens 2. Microsoft added a Windows 11 upgrade and other improvements for the business-focused headset earlier this year, according to The Verge. It also started shipping them out to the Army for combat tests. Yes. You read that last part right.

However, not everything’s rosy in HoloLens land. Reports indicate that Microsoft has stopped development on the HoloLens 3. A report in 2022 said that the company teamed up with Samsung to make an unannounced mixed-reality device, but Microsoft spokesperson Frank Shaw said that Microsoft remains "committed to HoloLens and future HoloLens development."

Additionally, Microsoft has made sweeping cuts throughout its VR division, leading to layoffs and the discontinuation of the AltspaceVR app. The company is, however, still developing its proprietary Mesh app that lets co-workers meet in a virtual space without a headset.

This article originally appeared on Engadget at https://www.engadget.com/microsoft-is-nixing-its-windows-mixed-reality-platform-161607566.html?src=rss

Microsoft is nixing its Windows mixed reality platform

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Windows Mixed Reality is heading to a farm upstate. Microsoft is shutting down the platform, according to an official list of deprecated Windows features. This includes the garden variety Windows Mixed Reality software, along with the Mixed Reality Portal app and the affiliated Steam VR app. The platform isn’t gone yet, but Microsoft says it’ll be “removed in a future release of Windows.”

Microsoft first unveiled Windows Mixed Reality back in 2017 as its attempt to compete with rivals in the VR space, like HTC and Oculus (which is now owned by Meta.) We were fascinated by the tech when it first launched, as it offered the ability for in-person shared mixed reality. The pricey Apple Vision Pro could offer a similar experience when it presumably launches in February.

Microsoft’s platform was ultimately adopted by several VR headsets, like the HP Reverb G2 and others manufactured by companies like Acer, Asus and Samsung. The Windows Mixed Reality Portal app allowed access to games, experiences and plenty of work-related productivity apps. However, it looks like the adoption rate wasn’t up to snuff, as indicated by today’s news.

Despite the imminent end to the platform, it doesn’t look to be impacting Microsoft’s other mixed-reality ecosystem, the HoloLens 2. Microsoft added a Windows 11 upgrade and other improvements for the business-focused headset earlier this year, according to The Verge. It also started shipping them out to the Army for combat tests. Yes. You read that last part right.

However, not everything’s rosy in HoloLens land. Reports indicate that Microsoft has stopped development on the HoloLens 3. A report in 2022 said that the company teamed up with Samsung to make an unannounced mixed-reality device, but Microsoft spokesperson Frank Shaw said that Microsoft remains "committed to HoloLens and future HoloLens development."

Additionally, Microsoft has made sweeping cuts throughout its VR division, leading to layoffs and the discontinuation of the AltspaceVR app. The company is, however, still developing its proprietary Mesh app that lets co-workers meet in a virtual space without a headset.

This article originally appeared on Engadget at https://www.engadget.com/microsoft-is-nixing-its-windows-mixed-reality-platform-161607566.html?src=rss

Samsung adds medication tracking to its Health app

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Samsung has added a new medication tracking feature to its Health app and it's expected to launch in the US when the app updates later this week. Using the new feature, you can set up alerts to remind yourself when to take medications and get reminders for when to request refills from your doctor.

When you enter a new medication into the app, you can log the shape and color of the pill, information about your prescribed dosage and the time you are scheduled to take the medication. The tool, which competes with the likes of GoodRx and Apple’s Medication app, will give you an overview of a drug’s use and possible side effects, including warnings about potential contraindications. Samsung says the information found within the app is backed by evidence-based content licensed from Elsevier, a publishing company that specializes in medical content.

To start using the new medication tracking tool when it launches, you need a smartphone with at least Android 8.0 and your Samsung Health app version needs to be updated to version 6.26 or later. The feature’s availability also might vary by device.

This article originally appeared on Engadget at https://www.engadget.com/samsung-adds-medication-tracking-to-its-health-app-174053413.html?src=rss

How Twitter died in 2023 and why X may not be far behind

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When Elon Musk first took over Twitter, those of us in the tech media had all kinds of theories about how the acquisition might bring about the death of the 17-year-old platform.

Some posited that his inept attempts at cost-cutting would cause irreparable damage to Twitter’s infrastructure or that mass resignations would lead to catastrophic instability. But as is so often the case with Musk, predictions were in vain. Twitter did die this year, but the way it played out was both more boring and more stupid than anyone could have possibly imagined.

Musk killed Twitter by slowly making it useless for those who relied on it for real-time information, by choking off conversations from those not willing to pay, by flooding users’ timelines with spammy blue-check sycophants and renaming the company X. He killed it by re-platforming actual Nazis and far-right trolls and Alex Jones and boosting anti-semitism so loudly the site's largest remaining advertisers and most prominent users abandoned the platform in droves. Though you can still go to www.twitter.com and see a website that vaguely resembles the thing we used to call Twitter, it’s only a dull echo of what it once was.

TOPSHOT - This video grab taken from a video posted on the Twitter account of billionaire Tesla chief Elon Musk on October 26, 2022 shows himself carrying a sink as he enters the Twitter headquarters in San Francisco. Elon Musk changed his Twitter profile to
- via Getty Images

The beginning of the end

While you could argue the death spiral began the second Musk walked into Twitter HQ carrying a sink 14 months ago, the platform we all knew began to die three months later, when Musk abruptly decided to ban third-party client apps from its platform and put the rest of its API behind an outrageously expensive paywall.

Twitter had long been an outlier among its social media peers for having a relatively open platform. It gave researchers tools to access the full history of all public conversations on Twitter. It allowed developers to build their own apps on top of its platform, which fostered a small but robust ecosystem of third-party Twitter clients.

Third-party apps like Tweetbot and Twitterific had a relatively small (but devoted) following, but they also played a significant role in defining the culture of Twitter. In the early days of Twitter, the company didn’t have its own mobile app, so it was third-party developers that set the standard of how the service should look and feel. Third-party apps were often the first to adopt now-expected features like in-line photos and video, and the pull-to-refresh gesture. The apps are also responsible for popularizing the word “tweet” and Twitter’s bird logo.

And while many of these apps had become less prominent in recent years, they were emblematic of the way that Twitter, at its best, empowered its users to shape the platform.

Likewise, having an open and readily-available API meant that Twitter, while not the largest social platform, could play an outsize role in shaping online culture. Because its firehose of data was easily accessible to researchers, the public conversations that happened there fueled studies into everything from global elections to public health.

By closing its API to developers and the research community, Musk made it clear he was not interested in using Twitter for anything that couldn’t make him a buck in the process. Twitter’s data was simply another part of the platform to commodify. Nearly a year later, making Twitter’s API inaccessible to all but those with the deepest pockets may not seem like even the tenth-most consequential change to happen under Musk, but it showed just how willing he was to alienate influential communities on Twitter. It was also a major warning sign of what was to come.

The blue check fiasco

If killing Twitter’s API was a quiet warning sign, the complete destruction of Twitter “verification” was a five-alarm fire. Twitter’s verification system was always flawed, but it hinged on the basic premise that the company had some evidence the accounts it verified belonged to the actual people claiming them and that those were people or organizations of some importance. When Musk rolled out his poorly thought out paid verification scheme last year, it went horribly and predictably wrong almost immediately because he failed to uphold any kind of identity check.

Despite the chaotic initial rollout, verification's now-meaningless status did not become fully apparent until this year. After a wave of thousands of spammers, scammers and Musk sycophants signed up for verification, Twitter began removing “legacy” verification from thousands of accounts.

The algorithmic boost provided to the new paid-for wave of blue checks, combined with the promise of a potential share of ad revenue, has drastically altered the dynamics of conversation on Twitter. Verified accounts are given priority ranking in replies and search results, regardless of the size of their following or their engagement — which has made Twitter even less relevant and useful. And the promise of potential ad revenue has incentivized the worst kind of engagement bait.

The result is that even the most carefully curated timelines have become filled with useless spam. And fraudsters are increasingly using pay-to-play verification to carry out scams targeting people trying to reach legitimate customer service channels.

X marks… the death of Twitter

If you were to look for a singular moment when Twitter died, however, it happened in July, when Musk announced that the company would now be known as X. The company changed its name, logo and everything formerly associated with the bird app.

This was more than an ill-considered rebrand. X, a letter with which Musk has long been fascinated, represented, literally, the end of Twitter. For as much as Musk has said it’s about creating an “everything app,” it’s also about fully severing any ties to the expectations and norms associated with Twitter. Want to break verification? Want to charge new users for the privilege of posting? Want to make news stories unreadable? Want to maliciously slow down links to competitors’ websites? Want to re-platform the most heinous peddlers of hate and conspiracy theories? Those actions may have been at odds with Twitter’s mission, but at X, it’s all just another Tuesday. As CEO Linda Yaccarino told CNBC “the rebrand represented really a liberation from Twitter.”

SAN FRANCISCO, CALIFORNIA - JULY 31: Workers prepare to dismantle a large X logo on the roof of X headquarters on July 31, 2023 in San Francisco, California. Just over 48 hours after a large X logo with bright pulsating lights was installed on the roof of X headquarters in San Francisco, workers dismantled the structure on Monday morning. The city of San Francisco opened a complaint and launched an investigation into the structure and residents in neighboring buildings complained of the sign's bright strobe lights. (Photo by Justin Sullivan/Getty Images)
Justin Sullivan via Getty Images

It’s unclear if Musk will ever succeed at creating anything resembling an “everything app” where users will be able to use X to run their “entire financial world.” So far, users seem to have little interest in the somewhat random assortment of new features that have been introduced, like live shopping and aggregating job listings. What Musk has succeeded at, however, is reshaping the platform in his own image.

But if there was any doubt remaining about whether the platform had a chance, Musk has almost single handedly wiped out what remained of Twitter’s ad business. After boosting an antisemitic conspiracy theory and repeatedly failing to prevent ads from appearing near pro-Nazi content, many of the company’s largest remaining advertisers have halted their spending on the platform.

Musk, naturally, responded by telling advertisers “go fuck yourself,” while speculating that the loss of ad dollars could “kill the company.”

But it’s not just advertisers who have fled an increasingly toxic platform. Many of the biggest and most-followed accounts have stopped posting in recent weeks. X’s infrastructure continues to slowly crumble, with random features constantly breaking. Meanwhile, all this has only strengthened the growing number of X competitors, and especially the Meta-owned Threads app. Threads is surging, landing at number four on Apple’s list of most-downloaded apps of the year, despite a late summer launch. X, which has seen steady declines in traffic and engagement, did not make the list.

This article originally appeared on Engadget at https://www.engadget.com/how-twitter-died-in-2023-and-why-x-may-not-be-far-behind-143033036.html?src=rss

How to create stickers on the iPhone using your photos in iOS 17

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Creating stickers from photos is an easily overlooked iPhone feature tucked into iOS 17. Using Apple’s machine learning algorithms that quickly separate a subject from its background, it extracts pictures of you, your friends or pets (or anything else it detects as the picture’s subject), transforming them into digital decals. It even makes animated stickers from Live Photos to slap onto iMessage chats or Markup tools. Here’s how to create your own.

What are iPhone stickers?

In Apple’s ecosystem, stickers are digital versions of their real-world counterparts. They debuted in iOS 10, Apple’s 2016 iPhone operating system, allowing users to place cut-outs of fun images onto iMessage bubbles for more personalized reactions.

A screenshot inside an iPhone frame, showing the Stickers pop-up menu in the iOS Photos app. A cat yawns in the photo, and the stickers drawer below shows it among others (including a giraffe, balloon, car, etc.).
Apple

Creating iPhone stickers from photos is new to iOS 17, and so is their location. In older versions of iOS, you had to navigate the iMessage App Store (in the Messages app) and app drawer to find them. In the new software’s more streamlined approach, you only have to tap the plus icon next to a message, choose Stickers and pick the one you want. (More on that below.)

How to create stickers from photos in iOS 17

Here’s how to make custom stickers from your photos on Apple’s latest iPhone software:

  1. In the Photos app on your iPhone, choose a picture you want to transform into an iPhone sticker. Tap on the photo to open it in a full-screen view.

  2. Touch and hold your finger on the photo’s subject. For example, if it’s a picture of your dog making a derpy face, hold your finger down on the pup until you see an animated effect highlighting the subject. (If it doesn’t work on the first try, do it again.)

  3. In the popup menu that appears above the subject, choose “Add Sticker.” If you don’t see that text, tap on the arrow (>) at the right end of the options box until you find it. After tapping “Add Sticker,” the decal will appear below in the same drawer you’ll see in the Messages app.

  4. Optionally, hold your finger down on it in the stickers drawer and choose “Add Effect” from the menu. You can give it a standard outline, add a comic style, transform it into a puffy sticker or make it shiny.

  5. Tap the X button or swipe down to close the Stickers menu at the bottom of the screen.

How to create stickers from Live Photos in iOS 17

Apple’s Live Photo adds (roughly) three-second video clips captured before and after pressing the shutter button. If you took your source picture as a Live Photo, you can turn it into an animated iPhone sticker through the following steps:

  1. Open the iOS Photos app, and tap on the Live Photo you want to turn into an animated sticker. It should now take up your phone’s entire screen.

  2. Hold your finger down on the photo’s subject. Wait until you see an animated ripple effect protruding and highlighting the subject. (Try again if it doesn’t catch the first time.)

  3. In the menu above the subject, choose “Add Sticker.” If you don’t see that option, tap the right arrow at the end of the menu. After tapping “Add Sticker,” you’ll see the subject appear in a drawer below with your custom stickers.

  4. You should see a pop-up menu above the sticker. If you don’t, hold your finger down on the sticker in the list. Choose “Add Effect.” A new screen with effects options will appear.

  5. In addition to sticker effect options, you’ll see “Off” on the upper left. Tap that until it changes to “Live.” You now have an animated sticker.

  6. Press the X button or swipe down to close the sticker drawer.

How to use custom stickers in iMessage

Screenshot inside an iPhone frame demonstrating adding stickers in the iPhone's Messages app. The bottom of the screen shows the stickers drawer, while the chat thread (including a Zoom sticker already placed) sits at the top of the screen.
Apple

Here’s how to use your new photo sticker in the Messages app:

  1. In Messages, open a chat thread.

  2. Press the + button to the left of the text box.

  3. Choose “Stickers.”

  4. If you don’t see your custom sticker in the “recently used” menu below, tap the sticker icon (between the 9:00 clock and smiley face icons, above the stickers but below the text box) to find it.

  5. If you want to place the sticker in a reply, tap the one you want. Or, if you’re going to include it as a reaction on top of a chat bubble, hold your finger down on the sticker and drag it onto the message to which you want to react.

How to use custom stickers in Markup

You can also add stickers to photos, screenshots, PDFs, email attachments and other documents:

  1. Open an image or file you want to add a sticker to. It could be through the Photos app, Files, Mail, Notes or any other app that supports Markup edits.

  2. If you’re in Photos, tap “Edit,” then choose the Markup icon (upward-facing pen on the upper right). If you’re in Files or another app where you already see the icon, skip the “Edit” step and only tap the pen symbol.

  3. Once you’ve opened the Markup menu, tap the + sign at the far right of the bottom toolbar (next to the color palette and pencil).

  4. Tap “Add Sticker.”

  5. Choose the custom sticker you just made.

  6. It should appear with a blue bounding box atop the original photo or document. Drag the corners to resize, or slide your finger across the screen to move it.

  7. Tap outside the bounding box to place the sticker.

  8. Tap “Done” to save the changes.

For more on iOS 17, you can catch up on Engadget’s review of Apple’s 2023 iPhone operating system.

This article originally appeared on Engadget at https://www.engadget.com/how-to-create-stickers-on-the-iphone-with-your-photos-on-ios-17-133039376.html?src=rss

Beeper Mini’s latest iMessage for Android setup requires a Mac

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Beeper Mini has a new “fix” coming for its broken iMessage on Android integration. However, the new method requires Mac access to send (and intermittently resend) “registration data” from an Apple-made desktop or laptop, calling into question how far users will stick with the app. The company says you’ll see the new functionality in an update to the Beeper Cloud Mac app on Wednesday, December 19.

Beeper’s current method requires identification info (“registration data”) sent from a physical Mac computer to authenticate iMessage connections on Android. The company’s latest plans now shift the Mac onus to users. “We have, up until now, been using our own fleet of Mac servers to provide this,” a Beeper spokesperson wrote in the app’s Reddit community. “Unfortunately, this has proven to be an easy target for Apple because thousands of Beeper users were using the same registration data.”

Beeper Mini launched to much fanfare, promising — and delivering — seamless iMessage chats on Android with only a phone number. However, in what seemed like an inevitable move, Apple squashed the app’s core functionality, forcing the startup to deploy new workarounds as it entered a cat-and-mouse game with the $3 trillion corporation.

Beeper says tomorrow’s update for Beeper Cloud on Mac will generate unique “1:1” registration data for individuals rather than thousands of accounts drawing on the same validation info on Beeper’s servers. The company says the new approach “makes the connection very reliable.” However, the registered Mac will still need to “periodically regenerate” the data after you’ve connected a Mac to Beeper Cloud, so it can’t just be a one-and-done connection to the computer.

If you don’t have a Mac and want to use Beeper Mini, the company says you can ask a friend to use their Apple computer for validation. “In our testing, 10-20 iMessage users can safely use the same registration data,” the company posted. The spokesperson said the update will restore chatting on iMessage with your Apple ID email if you don’t already have a phone number tied to your account.

SAN FRANCISCO, CA - SEPTEMBER 23: Moderator Greg Kumparak speaks with Eric Migicovsky of Pebble onstage during TechCrunch Disrupt SF 2015 at Pier 70 on September 23, 2015 in San Francisco, California. (Photo by Steve Jennings/Getty Images for TechCrunch)
Beeper CEO and co-founder Eric Migicovsky, formerly of Pebble smartwatch fame
Steve Jennings via Getty Images

It remains to be seen if Beeper Mini’s users will stick around for the more cumbersome setup. “At this point, I am willing to wait for Apple to come out with RCS support,” Redditor u/OldSalukiBandDude commented, referring to Apple’s promised support for the standard that will bring more iMessage-like features to chats between iPhones and Android handsets. “‘Fix’ is a strong word,” u/PredatorRanger added. “This is more like half-assing a workaround that requires more on the user’s end.”

Others were more open-minded about Beeper’s persistence in the face of Apple’s moves to squash the service. “Ppl are so whiney,” u/Waders411111 wrote. “This is a great bandaid to stop the bleeding and let ppl use beeper as intended.. as a way to integrate all your message apps in one place.” U/bb147 concurred: “Not the most user friendly fix but I am happy to have stable consolidated chats again even if I have to install something on a Mac, at least for now.”

In addition to the new setup method, Beeper says it’s open-sourcing its full iMessage bridge and the Mac code that generates registration data. The company linked to a Github tool that allows users to self-host the bridge, bypassing the company’s servers for those who want extra assurance.

This article originally appeared on Engadget at https://www.engadget.com/beeper-minis-latest-imessage-for-android-setup-requires-a-mac-200322777.html?src=rss