Personal Capital

Paid

Track investments, manage spending, and plan for the future with personalized financial goals and insights.

5.0

New AI ToolsContact

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Type

Saas

Founded

2009

Company

Personal Capital Corporation

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About Personal Capital

Personal Capital is an innovative financial service designed to help you manage your money and reach your goals. It provides you with a comprehensive suite of tools that make it easy to track your investments, monitor your spending, and plan for the future. With Personal Capital, you can access real-time insights about your finances, allowing you to make smarter decisions about your money. You can also use the service to set and monitor your budget, create personalized financial goals, and get personalized advice from certified financial experts. Plus, you can link your accounts to Personal Capital to get an overview of your entire financial situation. With the help of Personal Capital, you can take control of your finances and achieve your financial goals.

Key Features

Track investments: Use Personal Capital to monitor investments and get real-time insights.

Manage spending: Set and monitor budgets, and get personalized advice from experts.

Plan for the future: Create personalized financial goals and get an overview of your financial situation.

Pros & Cons

Pros

Provides a comprehensive view of all linked financial accounts in one dashboard
Offers free core tools including net worth tracking, budgeting, and investment analysis
Includes access to certified financial planners for personalized advice (for accounts above a certain threshold)
Real-time updates and alerts help users stay on top of their finances
Retirement planning tools with detailed projections and what-if scenarios

Cons

Free tier may have limitations on access to financial planners or advanced features
Requires linking sensitive financial accounts, which may raise privacy concerns for some users
Some users may find the platform's focus on investment management less suited for simple budgeting needs
Customer support options and response times should be verified based on account type
The platform's financial advice is primarily available to users with higher asset levels

Best For

Track investments: Use Personal Capital to monitor investments and get real-time insights.Manage spending: Set and monitor budgets, and get personalized advice from experts.Plan for the future: Create personalized financial goals and get an overview of your financial situation.

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FAQ

Is Personal Capital free to use?

Personal Capital offers a free tier that includes core tools like net worth tracking, budgeting, and investment analysis. Access to certified financial planners and certain advanced features may be available for users with higher account balances; exact eligibility should be verified on the website.

How does Personal Capital keep my financial data secure?

Personal Capital uses bank-level encryption and security measures to protect user data. They employ read-only access to linked accounts and do not store login credentials. Users should review the current security policies on the official website for the most up-to-date information.

Can I use Personal Capital for budgeting only?

Yes, Personal Capital includes budgeting and spending tracking tools. However, its primary strength is in investment management and holistic financial planning, so users focused solely on budgeting may find other dedicated budgeting apps more streamlined.

Does Personal Capital offer financial advice?

Personal Capital provides access to certified financial planners for personalized advice, typically for users with investable assets above a certain threshold. The availability and scope of advice should be confirmed on the platform's pricing or services page.

What types of accounts can I link to Personal Capital?

Personal Capital supports linking a wide range of financial accounts including bank accounts, credit cards, mortgages, student loans, investment accounts, retirement accounts, and more. The exact list of supported institutions should be verified on their website.

Is Personal Capital available on mobile?

Personal Capital offers mobile apps for iOS and Android, allowing users to access their financial dashboard, track spending, and receive alerts on the go. Features may vary between mobile and web versions.