https://www.youngju.dev/blog 천천히 올바르게. AI Researcher & DevOps Engineer Youngju's tech blog. GPU/CUDA, LLM, MLOps, Kubernetes AI workloads, distributed training, and data engineering. ko fjvbn2003@gmail.com (Youngju Kim) fjvbn2003@gmail.com (Youngju Kim) Sat, 16 May 2026 00:00:00 GMT https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-apps-2026-ynab-monarch-money-copilot-actual-budget-lunch-money-firefly-iii-deep-dive.en https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-apps-2026-ynab-monarch-money-copilot-actual-budget-lunch-money-firefly-iii-deep-dive.en After Mint shut down in 2024, millions of users scattered to find new homes. The personal-finance landscape of 2026 has diversified — Monarch and Copilot compete for successor status, YNAB endures with its cult following, and Actual and Firefly III nurture the open-source camp. From Korea (Toss, Banksalad, KakaoBank), Japan (Zaim, Money Forward, Moneytree), bank-aggregation APIs (Plaid, Yodlee, TrueLayer, Tink, Open Banking, PSD2, 1033), investment tracking (Sharesight, Empower), crypto (Koinly, CoinTracker, DeBank), tax software (TurboTax, Hometax, freee), to AI-driven budgeting (Cleo, Origin, Monarch AI) — this single piece maps the post-Mint personal-finance world. Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) englishpersonal-financeynabmonarch-moneycopilot-moneyactual-budgetlunch-moneyfirefly-iiitosszaimhousehold-budget https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-apps-2026-ynab-monarch-money-copilot-actual-budget-lunch-money-firefly-iii-deep-dive.ja https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-apps-2026-ynab-monarch-money-copilot-actual-budget-lunch-money-firefly-iii-deep-dive.ja 2024年のMint終了以降、数百万のユーザーが新しい居場所を求めて散らばった。2026年のパーソナルファイナンス・アプリの地形は分化した — MonarchとCopilotが後継の座を競い、YNABは熱狂的なファンと共に健在で、ActualとFirefly IIIはオープンソース陣営を育てる。韓国のToss・Banksalad・カカオバンク家計簿、日本のZaim・マネーフォワード・Moneytree、Plaid・Yodlee・TrueLayer・Tink・オープンバンキング・PSD2・1033といったバンクアグリゲーションAPI、投資トラッキング(Sharesight・Empower)、暗号資産(Koinly・CoinTracker・DeBank)、税務(TurboTax・国税庁ホームタックス・freee)、そしてAI家計簿(Cleo・Origin・Monarch AI)まで — Mint後の時代のパーソナルファイナンスの全景を一篇にまとめる。 Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) 日本語personal-financeynabmonarch-moneycopilot-moneyactual-budgetlunch-moneyfirefly-iiitosszaimhousehold-budget https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-apps-2026-ynab-monarch-money-copilot-actual-budget-lunch-money-firefly-iii-deep-dive https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-apps-2026-ynab-monarch-money-copilot-actual-budget-lunch-money-firefly-iii-deep-dive 2024년 Mint 종료 이후 수백만 명의 사용자가 새 둥지를 찾아 흩어졌다. 2026년 개인 재무 앱 지형은 분화했다 — Monarch와 Copilot이 후계 자리를 다투고, YNAB는 컬트 추종자들과 함께 건재하며, Actual과 Firefly III는 오픈소스 진영을 키운다. 한국의 토스·뱅크샐러드·카카오뱅크 가계부, 일본의 Zaim·Money Forward·Moneytree, Plaid·Yodlee·TrueLayer·Tink·오픈뱅킹·PSD2·1033 같은 뱅크 애그리게이션 API, 투자 트래킹(Sharesight·Empower), 크립토(Koinly·CoinTracker·DeBank), 세금(TurboTax·홈택스·freee), 그리고 AI 가계부(Cleo·Origin·Monarch AI)까지 — Mint 이후 시대의 개인 재무 풍경을 한 권의 글로 정리한다. Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) personal-financeynabmonarch-moneycopilot-moneyactual-budgetlunch-moneyfirefly-iiitoss-가계부zaimhousehold-budget