Alternatives to Personal Capital for Web, iPhone, Android, iPad, Software as a Service (SaaS) and more. Filter by license to discover only free or Open Source alternatives. This list contains a total of 25+ apps similar to Personal Capital. List updated: 10/8/2020 12:38:00 AM. Personal Capital is an Android Finance App that is developed by Personal Capital Corporation and published on Google play store on Nov 25, 2012. It has already got around 100,000+ downloads so far with an average rating of 4.0 out of 5 in play store. Open the Personal Capital app on your registered mobile device and go to Settings to find the One-Time Code. Enter Code Instead. Enter Code From The App. Continue Cancel.
- Last updated on June 3, 2020
I write this Personal Capital review as a long-time user. I've used Personal Capital for several years to track our income, expenses, and net worth.
Personal Capital is best described as a “financial account aggregator.” After connecting your various financial accounts, the free service will summarize your financial situation and offer free personal financial planning guidance.
Personal Capital is similar to Mint's online budgeting service, but much more comprehensive. Like Mint, Personal Capital provides a comprehensive budgeting solution. Unlike Mint, Personal Capital provides a robust set of tools and resources to help you manage your investment portfolio, asset allocation, and retirement planning. All of these services are provided free of charge.
More than 2,400,000 users are now using the free Personal Capital platform to reach their financial goals. In addition to the excellent free financial tools, Personal Capital is a Registered Investment Adviser (RIA) with more than $12 Billion in assets under management.
Here is a brief introduction to Personal Capital:
Personal Capital App Cost
Your Personal Capital Dashboard
After opening a free account, you link your financial accounts to the online dashboard. This involves authorizing each account within Personal Capital. I found this to be extremely easy and efficient on the desktop version of the program. You simply click a small plus arrow, specify the type of account, and fill in the online credentials.
After linking your accounts, they remain linked until you unlink them or change any of the account information. https://ltwdtet.weebly.com/how-to-cancel-itunes-app-subscription-on-mac.html. Each day, your account information is automatically updated in real time.
The site then aggregates all of your information into a colorful series of charts and graphs to help you make sense of your income, expenses, and investments, allowing you to better understand your financial situation.
The Personal Capital online dashboard provides information about your:
- Income
- Expenses
- Budgeting
- Net Worth
- Asset Allocation
- Retirement Savings
- Investment Portfolio
Within each category, you can explore all of the nitty, gritty details.
Personal Capital Budgeting
Side by side mac. Personal Capital allows you to easily create a budget, set a monthly spending target, and view your progress in real-time.
If you select your income profile within the Personal Capital dashboard, you can see all forms of income broken down by date and source. If you have multiple bank accounts, you can see the deposit information for each account, as well as the aggregate total income.
Similarly, you can track your spending down to the penny. Every credit card swipe. Every debit card swipe. Every bank transaction. All can be viewed on your account dashboard in real-time. You can also analyze each expense by date, merchant, and category.
Personal Capital also allows you to stay on track of bill payments. You can view previous payments made and upcoming bills that are due, as well as the minimum payment required and the total balance outstanding.
These different features all blend seamlessly into an excellent user experience. Because of the robust set of features, I now prefer Personal Capital's cash flow management and budgeting tools over those provided by Mint.com or Quicken.
Retirement Planner
Personal Capital recently updated their retirement planning tool, which allows you to know exactly where you stand relative to your retirement goals. Now you can build, manage, and forecast your retirement plan in one convenient location.
The tool pulls in your actual financial data from the accounts you've linked to Personal Capital and lets you add personal information and expected life events. Using this information, the retirement planning tool estimates the following information for you:
Expected Income – The Retirement Planner automatically calculates your expected monthly income and projected Social Security benefits. You can easily add in other sources of income such as rental income, pensions, inheritances or other windfalls.
Upcoming Goals – Planning to move? Buying a new home? Getting married? Adopting a child? The Retirement Planner will help you evaluate and decide if you can afford these large expenses and still stay on track for retirement.
Retirement Readiness – Using your target retirement date, goals, income, and expenses, Personal Capital will summarize your entire financial situation and explain how prepared you are for retirement.
*New* Scenario Analysis – Take the guesswork out of important financial decisions by creating multiple retirement scenarios. Perhaps you would like to know if going back to work will improve your ability to retire early. Or, maybe you're wondering if you can afford a home renovation or large charitable donation without sacrificing your retirement preparedness.
You can now compare all of these scenarios, and more, directly from your Personal Capital dashboard. Best of all, you can save custom scenarios and compare the impact of different financial decisions on your overall retirement readiness over time. Download photoscape 3.7 mac.
Investment Checkup Tools
Personal Capital also includes several investment-related features that can help you better manage your investment portfolio. After completing a basic risk questionnaire and a few other questions about your investment goals, Personal Capital presents several charts and graphs displaying your current portfolio, asset allocation, and historical investment performance.
After summarizing your existing investments, Personal Capital then offers a series of recommendations to help improve your portfolio. You can compare the recommendations to your current investments to observe any differences in asset allocation, performance, and overall risk.
In addition, Personal Capital's retirement fee analyzer explains the various fees that accompany your existing investments. This feature is supposed to calculate hidden fees that are often overlooked, as well as management fees and expenses.
Personal Capital Fees
All of the services I've just described are completely free, but Personal Capital does offer an optional asset management service.
Personal Capital is a registered investment advisor providing free services to attract more affluent site users – particularly those with investable assets of at least $100,000. If a user has $100,000 or more, Personal Capital offers professional financial advice and the ability to work with a financial advisor (typically well trained with credentials). Personal Capital makes money by taking a percentage of the assets under management, or AUM.
The annual fees for their investment services are as follows:
- $0 – $1,000,000: 0.89% of account balance
- For clients that invest $1 Million or more:
- First $3 Million: 0.79% of account balance
- Next $2 Million: 0.69% of account balance
- Next $5 Million: 0.59% of account balance
- Over $10 Million: 0.49% of account balance
There is no obligation to pay for this service, and there are quality alternatives on the market providing asset management services for 0.25% annually.
If you are a self-directed investor, consider M1 Finance(see my review), which allows you to trade any stock or ETF for free.
Personal Capital Security
The security is very good overall, with numerous protections in place to protect your financial accounts.
Personal Capital requires you to register each electronic device that you use. They will send you an email or call your cell phone to register each device. After registering a device, there is another layer of security that is used when linking financial accounts to your Personal Capital account. You must sign in and verify the original online account in addition to your Personal Capital login. Data is encrypted with AES-256 with multi-layer key management, including rotating user-specific keys and salts.
There are also strict internal access controls. The account information you enter within Personal Capital isn’t stored in plain text, and no individual at Personal Capital has access to your credentials. Your bank and brokerage credentials are encrypted and stored at Yodlee (a financial technology veteran), not in Personal Capital's database. All information is encrypted as read-only, which prevents anyone from accessing your full accounts and initiating any withdrawals or transfers from within Personal Capital’s service.
Personal Capital operates under SEC (Securities and Exchange Commission) jurisdiction and is audited for compliance with SEC cybersecurity regulations. https://ltwdtet.weebly.com/gopro-editing-app-mac.html. Furthermore, Personal Capital's website encryption is rated “A” by the independent Qualys SSL Labs (a stronger rating than most major banks or brokerages).
The Good
Comprehensive Service – Personal Capital allows you to easily manage your entire financial life using one secure interface. You can calculate your net worth, set a budget, manage investment accounts, and plan for retirement.
Friendly Reminders – Personal Capital includes an automated email feature that summarizes weekly changes in your net worth. You can choose to receive other alerts and bill payments reminders as well.
Valuable Tools – At no additional cost, Personal Capital provides numerous tools to help you make better financial decisions. These tools can help reduce your taxable income, improve your asset allocation, lower your investment fees, and track your investment performance over time.
Technology – The interface is very intuitive and Personal Capital can be used on a computer, tablet, or smartphone. The Personal Capital app integrates seamlessly, making it easy to check your accounts on the go.
Ease of Use – Getting started and syncing accounts is incredibly easy with Personal Capital. In addition, the graphs and charts provide valuable financial information that is easy to read and understand.
The Bad
Investment Management Fees – Their investment management service isn't horribly priced, but it's higher than other online competitors.
Bugs and Glitches – Early on, Personal Capital had some technical issues on the site that made the user experience a little bit irritating. However, over the last 2-3 years, they have improved the interface and usability. Since ironing out the early bugs, I have not witnessed technical issues when linking or managing my accounts. Some users still report issues when linking certain financial accounts, but this is becoming increasingly rare with each update.
The Cash Cow Conclusion
I love all of the free services provided by Personal Capital. There is nothing else on the market that offers comparable value for the low price of $0.00.
I don't pay for their investment advice, but I know a few members of the Cash Cow Community are happy with the service. The management fees are comparable to many other financial advisors, so I'll leave that decision up to you.
Bottom line – grab a free account today and get started. You won't be sorry.
Personal Capital – The Easiest Way to Manage Your Finances
Personal Capital will organize and simplify your finances, allowing you to track income, expenses, net worth, and investments, completely free of charge. Highly Recommended.
10
9.7
9.5
7.8
Easy-to-use interface
Excellent budgeting and financial planning tools
Occasional bugs
Overall
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Editorial Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
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If you are looking for the best personal finance app for your iPhone and iPad, you are at the right place. You can see here 15 best personal finance apps for iPhone, iPad and other iOS, which allow you to manage your financial management tasks easily and quickly.
Best Personal Finance Apps
1. Daily Budget Original Pro ( iPhone + iPad ) :-
If you want to calculate your daily budget, plan & save for big spending, basic categories for expenses and backup safely on your iPhone and iPad, you can use Daily Budget Original Pro app on your iPhone and iPad.
With the help of Daily Budget app, you can sync your data, you can encrypt it before uploading it to the cloud. There are also lots of paid features such as customizable categories, data encryption, PIN protection to hide your app with password, Multi users through Dropbox, Remove ads, CSV file export, analysis graphs and more.
2. HomeBudget with Sync ( iPhone + iPad + Apple Watch ) :-
Asphalt all games for android free download. HomeBudget app helps you to track your expenses, income, bills-due and account balances. With the helpo of this app, you can create or edit or delete expenses and recurring expenses, you can attach photo or images of receipts, you can drag and resize images on screen, you can search expense entries, you can create or edit or delete income and recurring income.
You can also create or edit or delete bills and recurring bills, you can make payment on bills either an as expense or as a transfer and you can view transactions and do transfer between accounts, you can export data or reports by email or through WiFi.
HomeBudget app has lots of features such as support for multiple currencies and automatic exchange rate conversion, optionally associate an account and payee with an expense, calendar and list view of bills, bill reminders, set a budget, and track expenses at the category or sub-category level, suppots for accounts like checking, savings, Credit, Debit, Cash etc; automatically sync multiple devices, backup or restore complete application data including all receipts and much more.
3. MoneyWiz 2 – Personal Finance Manager ( iPhone + iPad + Apple Watch ) :-
This is one of the most user-interface, powerful and beautiful finance app for iPhone, iPad and Apple Watch. MoneyWiz 2 has lots of unique features such as accounts-you can choose from variety of Accounts like Credit Card, checking, saving, loan, cash, investment or brokerage or online banking.
Budget related tasks- you can monitor your transactions and assign them.
Bills related tasks-you can browse all your bills in list or on calender and, see projections for any period with one finger tap.
Worldwide online Banking- you can connect your online banking into MoneyWiz.
Transactions entry- you can customize what fields you want to use, configure setting for each field, use the pull-down gesture to save a transaction; Protection- you can protect your data with PIN.
Dashboard- you can fill it with multiple widgets which you can re-arrange and configure and, you can do much more.
4. Mint:Personal Finance & Money ( iPhone + iPad + Apple Watch ) :-
Are you looking for a free money manager and financial tracker app? If yes, you can install Mint-A personal finance and money app on your iPhone, iPad and Apple Watch. With the help of Mint app, you can manage all your finance easily with safely, you can keep track of your credit score to help you can be smart about it, no credit card required.
You can track and pay bills and you can see your account balances and, you can also create budget effortlessly. Mint app has several amazing and useful features such as save time & money, budget better, be smart about your credit score, get bill pay reminders, stay secure, syncs with the Mint web app and, much more.
5. YNAB – Budget, Personal Finance, Expense Tracker ( iPhone + iPad + Apple Watch ) :-
YNAB is one of the best and popular personal finance app for iPhone, iPad and Apple Watch users. With the help of YNAB app, you can easily connect all your accounts at one place.
You can access to all your data and makes it simple to share finances with your partner, you can set and track goals to reach them faster and, you can also view detailed reports, visual spending and trend reports and help you measure progress and improve.
6. Acorns: Invest Spare Change ( iPhone + Apple Watch ) :-
If you want to save and invest small amounts regularly into your own diversified portfolio, you can use Acorns App on your iPhone and Apple Watch. With the help of Acorns app, you can invest your spare change into a diversified portfolio of ETFs of more than 7,000 stocks and bonds.
You can easily invest with recurring investments like-daily, weekly, monthly, one-time investments, referrals and found money, you can watch your progress anytime, anywhere and, you can also protect against fraud.
Acorns app has several amazing and useful features such as SIPC protected, gain access to online personal finance publication, grow magazine, withdraw anytime and, much more.
7. Credit Karma: Credit Scores, Reports & Alerts ( iPhone ) :-
Credit Karma is one of the best, powerful and secure personal finance app for iPhone users. With the help of Credit Karma app, you can get your free credit scores, reports & alerts, with the help of free education, tips and tools of Credit Karma app, you can understand your scores and reports then you can make informed financial decisions, with the help of personalized recommendations, you can get credit cards and loans.
8. Wally – Smart Personal Finance ( iPhone ) :-
If you are looking for the simplest personal finance app on your iPhone that way to track your expenses, income, set a savings target and scan receipts.
With the help of Wally-Smart Personal Finance app, you can watch your balance your income & expenses, you can understand where your money goes, you can easily track a daily budget, you can scan receipts and, you can also do much more.
9. PocketGuard: Personal Finance, Budget & Bills ( iPhone + Apple Watch ) :-
Do you want to keep your financial accounts in a place securely? If yes, you can use PocketGuard app on your iPhone and Apple Watch. With the help of PocketGuard app, you can easily sync all of your personal finance accounts in one place like- bank accounts, credit cards, loans, savings & investments.
You can track your income, bills and recurring subscriptions, you can create spending limits, you can receive alerts and reminders, you can compare your current month’s spending to your average, you can watch your daily, weekly and monthly budgets and, you can also set and reach your saving goals.
10. Personal Capital Budgeting & Investing ( iPhone + iPad + Apple Watch ) :-
It is one of the most trusted and updated personal finance app for iPhone, iPad and Apple Watch users. With the help of Personal Capital Budgeting & Investing app, you can track and manage your financial life, you can understand, manage and grow your net worth and, you can also see all of your accounts in one place, you can set a spending target and track it on to go.
You can review new transactions, you can create and follow a budget, you can monitor credit card balances, you can see detailed income and spending by category or payee and, you can also compare your portfolio against major market benchmarks and stay on track to meet your investing goals.
11. EveryDollar Easy Budgeting App ( iPhone ) :-
If you want to make monthly budgets effortlessly, you can use EveryDollar Easy Budgeting app on your iPhone. With the help of EveryDollar app, you can create a fully customized monthly budget in minutes>
You can track spending as it happens in a few seconds, you can watch what you have spent and what’s remaining for the month, you can access your budget through the app or desktop browser, you can sign in with Touch ID and, you can also split transactions across multiple budget items.
12. Fudget: money management ( iPhone + iPad ) :-
Fudget is one of best and user-interface money management apps for iPhone and iPad. Fudget has lots of powerful and unique features such as one-tap adding & editing, no time constraints, learn the interface in seconds, create simple lists of incomings and expenses, passcode lock & login, Touch ID login, Dropbox save & restore, themes, calculator, export CSV and, much more.
13. Goodbudget Budget Planner ( iPhone ) :-
Weekly planner mac app. With the help of Goodbudget Budget Planner app, you can make sense of your budgeting and spending with in -app reports, you can share a budget with sync across multiple phones or the web.
You can know how to modify your budget after analyzing reports, you can track your bank balances in addition to envelope balances, you can schedule transactions and, you can do much more.
14. Mvelopes – Budget App & Envelope Budgeting ( iPhone + iPad ) :-
If you want to use one of the best budget app and envelope budgeting on your iPhone and iPad, you can install Mvelopes app on your iPhone and iPad. Hitachi lifestudio software for mac. With the help of Mvelopes app, you can plan and track your household or personal budget.
You can assign and manage your budget, you can track your bank accounts and credit card balances alongside your budget to pay off your debt and increase saving faster, you can import your bank and credit card accounts and track your spending.
You can use digital envelope budgeting system to organize and simplify your finances, you can easily access or adjust your budget on the go and, you can also watch savings and credit card balances in one place.
Personal Capital App Australia
15. Wealthfront ( iPhone ) :-
Wealthfront is one of the most comprehensive automated financial planning and investing solution apps for iPhone, that serve as your personal roadmap to financial freedom.
Personal Capital App Canada
Wealthfront has lots of unique and time tested features such as tax loss harvesting, direct indexing, advanced indexing and more.