Personal Capital
Comprehensive personal finance platform with wealth management and financial planning tools.
How the 4.6 was reached
- Quality of output3/10
Trustpilot 1.2/5 for Empower, down from 3.5+; NerdWallet's 4.1/5 shows a wide gap between experts and users. fincomparelab.com
- Ease of use7/10
Free dashboard for net worth and retirement planning; only vendor evidence, and no independent usability reports. personalcapital.com
- Pricing value7/10
Free tracking tools; advisory costs 0.89% with a $100k minimum, which is typical for the category. kubera.com
- API and integration quality2/10
No API or integrations found on the pages checked or by search. empower.com
- Solves the problem it claims to solve4/10
Advisory is gated at $100k and $1M minimums; users report dashboard failures, account-linking problems and neglect of free tools since the acquisition. fincomparelab.com
4.6/10 is the mean of the 5 criteria that apply. Scored on the five-criteria rubric v1, 29 September 2026. How scoring works
Pricing
- Net worth tracking
- Investment analysis
- Fee analyzer
- Financial dashboard
- Personal advisor
- Portfolio management
- Financial planning
- Tax optimization
Key Features
- Net worth tracking and analysis
- Investment portfolio management
- Retirement planning tools
- Fee analyzer for investment accounts
- Cash flow monitoring
Pros & Cons
Pros
- Comprehensive financial dashboard
- Professional wealth management services
- Strong investment tracking capabilities
- Detailed fee analysis tools
Cons
- Wealth management requires high minimums
- Limited budgeting features compared to dedicated apps
- Can be overwhelming for simple users
- Acquired by Empower which may affect future development
Personal Capital offers a free dashboard for net worth and retirement planning, which suits casual trackers. Advisory is gated by high minimums, and users report dashboard failures, linking problems and neglected free tools since the acquisition.
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