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-2026-ynab-actual-budget-monarch-copilot-lunch-money-deep-dive.en https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-2026-ynab-actual-budget-monarch-copilot-lunch-money-deep-dive.en Two years after Intuit killed Mint in March 2024, the personal-finance app landscape looks completely different. This is the one-stop map: YNAB, Actual Budget, Monarch, Copilot, Lunch Money, Empower, Credit Karma, Quicken Simplifi, Tiller, PocketSmith, Plaid / Yodlee, plus Korea (Toss, Banksalad, KakaoBank MyData) and Japan (Money Forward ME, Zaim, freee). One post, all of it. Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) personal-financebudgetingynabactual-budgetmonarchcopilot-moneylunch-moneyempowermintcredit-karmaquicken-simplifitillerpocketsmithplaidyodleetossbanksaladmoney-forwardzaim2026deep-diveenglish https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-2026-ynab-actual-budget-monarch-copilot-lunch-money-deep-dive.ja https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-2026-ynab-actual-budget-monarch-copilot-lunch-money-deep-dive.ja 2024年3月にMintが終了して以来、米国・グローバルの個人ファイナンス・家計簿ツール市場は完全に塗り替わりました。YNAB / Actual Budget / Monarch / Copilot / Lunch Money / Empower / Credit Karma / Quicken Simplifi / Tiller / PocketSmith / Plaid・Yodlee、加えて韓国のトス資産・バンクサラダ・カカオバンクマイデータ、日本のマネーフォワード ME・Zaim・freee 家計簿まで、1記事で全部マップする深掘りガイドです。 Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) personal-financebudgetingynabactual-budgetmonarchcopilot-moneylunch-moneyempowermintcredit-karmaquicken-simplifitillerpocketsmithplaidyodleetossbanksaladmoney-forwardzaim2026deep-dive日本語 https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-2026-ynab-actual-budget-monarch-copilot-lunch-money-deep-dive https://www.youngju.dev/blog/culture/2026-05-16-personal-finance-budgeting-2026-ynab-actual-budget-monarch-copilot-lunch-money-deep-dive Mint이 사라진 2024년 3월 이후의 개인 재무·가계부 도구 풍경을 정리합니다. YNAB / Actual Budget / Monarch / Copilot / Lunch Money / Empower / Credit Karma / Quicken Simplifi / Tiller / PocketSmith / Plaid·Yodlee, 그리고 한국의 토스 자산·뱅크샐러드·카카오뱅크 마이데이터, 일본의 マネーフォワード ME·Zaim·freee 가계부까지 한 글에서 비교합니다. Sat, 16 May 2026 00:00:00 GMT fjvbn2003@gmail.com (Youngju Kim) personal-financebudgetingynabactual-budgetmonarchcopilot-moneylunch-moneyempowermintcredit-karmaquicken-simplifitillerpocketsmithplaidyodleetossbanksaladmoney-forwardzaim2026deep-dive