Personal Capital
Is This Your Business?3.9
3.9
Author: Kaitlyn Short
LAST UPDATED: December 30th, 2021
Personal Capital is a free online personal finance tool focused on monitoring your cash flow, net worth, and investment performance via automatic transaction synchronization with all your accounts. The company has an impressive security pedigree and several valuable free tools.
Top Ranked Companies
The Good
- Free services
- Two-factor authentication
- Easy dashboard
- Free
- Wealth management program
- No ads
- Easy set up
- Automatically synced transactions
- Crisp design
- Mobile apps
- Personal investment performance
- High security
- Apple
- Google Play
- Amazon
The Bad
- Minimal tracking tools
- Tracking additional accounts
- Wealth management services can be pricey
- Minimal budget and goal tools
- Few alerts
- Cannot add transactions to manual accounts
- First $1 Million: 0.89%
- First $3 Million: 0.79%
- Next $2 Million: 0.69%
- Next $5 Million: 0.59%
- Over $10 Million: 0.49%
The Bottom Line
- Free and paid subscriptions available
- Quality budgeting tools
- Advanced security
- Cannot add transactions
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John Burnside Colorado Springs, CO
It's a very mixed bag. The financial software available online is easy to use and helps to gather all your financial data into one screen.
Now for the BAD! Within 2 days of loading my stock funds into PC, I was getting bombarded with messages on my screen to set up an appointment with one of their advisers so they could try to sell me on paying for their wealth management services. I replied no and then started to get phone calls. I listened to what they had to say and replied no. Your financial info my not be made public, but it darn sure is available to all of PC's salespeople. They knew exactly what I owned and where it was at at the very start of our conversation. Not a comfortable feeling knowing that your private data is there for their viewing.
5 years ago
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Jason Brown Lehi, UT
I downloaded the app about a month ago. So far, it has been very helpful to see all of my financial accounts on one page. I have no idea, however, how secure my information is. It would be nice to see a whitepaper on how they handle client's information.
Setting up my various financial accounts did take some time and I had to go search for my usernames and passwords.
5 years ago
Darrell Provo, UT
I love Personal Capital! Easy to use and super free. Keeps track of my new worth in a friendly interface. I feel my personal data is secure with them.
7 years ago
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upnorthwi Bellevue, WA
I'm giving this 2 stars not necessarily because they are bad, but more because I just don't know and am uncomfortable with my information being with a unknown company. I had always used 2 popular financial programs, 1 went out of business but I loved the simplicity of it. I tried Personal Capital, again very hesitant to put my financial information on a unknown website. I gave them a try, they seemed OK, but later it seemed to be to much personal information, and I stopped using it. It might be great for someone else, but with everything "in the cloud", I want more control over my personal financial information.
2 years ago
Eban Beltran Arlington, TX
I was forewarned that this app while great for understanding your net worth and overall finances would not be great for budgeting. I went ahead and created an account only to realize that the reviews were true - I’m on the search for a budgeting app and will likely go for a paid product for full functionality.
3 years ago
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Russell Vastine Aurora, CO
I use personal capital for all my accounts to see everything in one place. I also invest with them as they are easy to work with and have good customer service
2 years ago
