[1] Not even GNU cash gets this right. See: http://www.mathstat.dal.ca/~selinger/accounting/gnucash.html
Where most online tools fail is with investments. Especially real estate (rentals in my case), which is where most of my money is allocated.
More than simply building a savings account, the other side of the coin is making your spending more meaningful by reducing impulsive buying. Saving a few bucks here and there with coupons or promotional discount is way too easy to spoil with just one thoughtless purchase.
If anyone is interested in an account with us for user research, leave a reply. It's normally $100 a year. I'll circumvent that.
Really, there's nothing out there for the power user. I believe that market would pay for a good product that doesn't try to push stuff on them (ahem... wealthfront).
If you're looking for a user with real estate assets, I'd be interested in helping by being a tester.
I did report it once and got back a message saying "sorry, we can't fix your existing records", but they clearly made no attempt to fix it for new ones either.
Mint asks for your API key, which Coinbase implements rather poorly. Your API key will grant any application FULL ACCESS to your Coinbase account, so if Mint gets compromised, the attacker can send your Bitcoin to another account. And Bitcoin transactions are irreversible.
Yes, you do give Mint your bank account credentials, but if someone steals your username/password and use it to send a transaction, you can get it reversed.
Mint can easily fix this by using Coinbase's OAuth API instead of using an API Key, which allows for selective permissions (read-only) to be set.
However I do see how the ledger comes into play for your personal coin addresses. That is actually a powerful concept and pretty cool.
From a Mint perspective adding meta-data for coin transactions would be a good start to help categorize coin spends/receives. Another approach would be well known receive address sets. For example 'Grocery Store X' would have one (or multiple) well known 'receive addresses' that Mint could categorize appropriately.