A Moneysoft Money Manager alternative that runs anywhere: MTD VAT filing, ISA and SIPP tracking, and Section 104 pools that show your CGT before you sell.
Sample data for fictional people. Numbers are calculated by the same engine the app uses.
Cash book, reconciliation, standing orders, budget versus actual and VAT, plus investments and goals, in your browser on Mac, Windows or Linux.
Standard or flat-rate VAT, stagger-aware periods, box-by-box drill down and direct filing to HMRC under Making Tax Digital.
Same-day and 30-day matching, then the pool at average cost, with your gain set against the annual exempt amount.
Stocks and Shares ISA, SIPP and general account side by side, so you can see what is sheltered and what is exposed to CGT.
No customer reviews yet, so here is what independent testers said while using the real app with sample data in October 2026.
“The parcel-level CGT engine is the best I've seen outside Sharesight.”
“The numbers reconcile and the labels are the fund's.”
“[The] banking core is better than Money Manager 7: reconciliation, scheduled entries and undoable imports.”
“The forecast and income are realistic now.”
Open a full workspace for a fictional family in the United Kingdom. Click anything; nothing is saved until you sign up.
Drop exports from your bank and broker. Mintage detects the format, skips duplicates and builds your holdings parcel by parcel.
Confirm new transactions, see what is safe to spend, and get a heads-up before you sell anything that would cost more tax than it needs to.
Category, envelope or 50/30/20 budgets with live pacing. Mintage counts upcoming bills, scheduled income and goal transfers, then tells you one number: what is safe to spend until payday.
Each goal carries a plan in your own words (“when I get paid, $200 moves to Holiday”). A 60-second daily check-in, a Sunday weekly review and milestone celebrations keep it going.
Every buy is tracked as its own parcel. Before you sell, the what-if compares first-in-first-out, newest-first, highest-cost and lowest-tax choices side by side, applying Section 104 pooling and the £3,000 exempt amount.
Splits, consolidations, DRPs, returns of capital, demergers, takeovers and AMIT adjustments (17 types) update your cost base from an event log. Compare performance against any ETF with your exact deposits replayed into it.
Keep the personal, sole trader, partnership and company books separate, then see them together. Each entity has its own tax rules, financial year and currency, with roles for your partner, co-trustee or accountant.
Invoices with VAT (standard or flat rate) and Making Tax Digital VAT filing to HMRC.
34 ready-made import presets for banks, brokers, prices and corporate actions, including Wise, Monzo, Starling and Revolut. Files from Hargreaves Lansdown or Trading 212 go through a mapping wizard that remembers the layout next time.
Most people use two or three of these together. Mintage aims to replace the budgeting app and the portfolio tracker at once. As published Oct 2026, check each vendor's site; “Not listed” means we could not find it on their public pages.
| Feature | Mintage | Sharesight | Navexa | YNAB | Monarch | Quicken Simplifi | PocketSmith | Moneysoft Money Manager 7 |
|---|---|---|---|---|---|---|---|---|
| Budgeting | Yes | Not listed | Not listed | Yes | Yes | Yes | Yes | Yes budget vs actual |
| Share holdings and performance | Yes | Yes | Yes | Balances only3 | Yes lots and cost basis on Plus4 | Yes cost basis, performance5 | Not listed | Not listed |
| Choose which shares to sell | Per sale: 8 strategies, what-if before you trade | One method per portfolio or holding, incl. “Minimise CGT” (AU, Standard and up)1 | Manual parcel selection (Premium and up)2 | Not listed | Shows holding period per lot4 | Not listed | Not listed | Not listed |
| Capital gains tax report | AU CGT schedule, US short/long-term, UK Section 104 | Yes paid plans1 | Yes2 | Not listed | Unrealised gains and tax implications (Plus)4 | Not listed | Not listed | Not listed |
| Invoices and VAT/GST returns | Yes incl. HMRC MTD VAT filing | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Yes Business Edition, online VAT returns7 |
| Entry price | Free; paid from A$9/mo | Free (10 holdings); Basic A$12/mo1 | From A$20/mo2 | US$14.99/mo or US$109/yr3 | US$14.99/mo or US$99.99/yr4 | From US$3.99/mo billed yearly; US and Canada only5 | Free; paid from A$14.95/mo6 | £80 one-off (Personal); Windows 11 only7 |
Open a full workspace filled with sample data for the United Kingdom. No sign-up, nothing to install.