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 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