Mint did two jobs, and most replacements only do one. Being clear about which job you are replacing is the whole answer here.
Background: Intuit announced Mint's shutdown on October 31, 2023 and pointed users to Credit Karma; access ended March 23, 2024. The migration did not carry over transaction history, custom categories, budgets, goals, bill reminders or recurring-transaction labels — which is why Credit Karma felt empty and why so many people went shopping instead.
For household budgeting, pick a personal-finance app. Monarch, Copilot and YNAB are good products doing that job well, and ExpenseBot is not an alternative to them. ExpenseBot does not budget, forecast, or track net worth. Monarch describes itself as "your home base for money clarity" — checked August 18, 2026 — which is an honest description of a household finance tool.
For business expenses, a budgeting app is the wrong category. Five gaps show up, all at tax time rather than day to day:
- No business/personal split — one card, two lives, one undifferentiated feed, and no business-use percentage for a phone bill that is 60% work.
- Categories don't map to tax lines — "Shopping" and "Subscriptions" describe habits, not a tax return.
- No receipt substantiation — budgeting apps read transactions. A transaction proves money left; a receipt proves what it bought.
- No Schedule C or T2125 view — nothing rolls up into the shape the return needs.
- Mileage unsupported — if you drive for work, a deductible cost the tool cannot record.
Monarch's pricing page mentions none of business expense tracking, Schedule C categories, tax reporting, mileage or receipt capture (checked August 18, 2026). That is category fit, not a quality problem.
What ExpenseBot covers: receipts captured from a nightly Gmail scan, photos of paper receipts, and forwarded email, into a categorized Google Sheet in your own Google Drive. Business and personal are separated by auto-tagging receipts according to which card paid, by setting a business-use percentage on a partly-deductible category, and by splitting one mixed charge into allocation lines each marked business or personal. Income is tracked alongside expenses for a running profit-and-loss. Mileage is estimated from your Google Calendar at your country's rate. Export to QuickBooks Online or Xero in one click, or an import file for Sage; accountants and bookkeepers use ExpenseBot free.
The common answer is one of each — keep the budgeting app for the household, add ExpenseBot for the business side. There is no import path from Monarch, Copilot, YNAB or Credit Karma, and none is needed: ExpenseBot rebuilds the business side from your Gmail, a different source than your budgeting app was using. Scan depth is entitlement-gated — the free scan covers the last 60 days, the rest of the current year requires a subscription, earlier years require a one-time historical unlock, and each scan covers up to one year at a time.
One criterion worth applying this time: ask what happens to your data if the product shuts down. In ExpenseBot the ledger is a Google Sheet in your own Drive, so it stays with you.
ExpenseBot captures and organizes; it doesn't decide what's deductible. Estimates — confirm with your tax professional.
See also: Mint alternative for the self-employed | Separate business and personal expenses | Freelancer expense tracking