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About Personal Capital
What is Personal Capital?
Personal Capital, now part of Empower, is a financial technology platform that provides free tools for tracking net worth, planning retirement, and analyzing investment fees. It also offers paid wealth management services for investors with larger portfolios.
Problem it solves
Many people struggle to see their complete financial picture across multiple accounts. Personal Capital solves this by securely aggregating bank, investment, and credit accounts into a single dashboard, helping users understand their net worth and plan for retirement without manual spreadsheets.
Who is it for?
It's ideal for do-it-yourself investors who want free financial planning tools and for those with significant investable assets seeking professional advice. It's not designed for active day traders or those who need complex tax-loss harvesting on small portfolios.
Real use cases
Use the Retirement Planner to model different scenarios, the Fee Analyzer to uncover hidden 401(k) fees, and the Net Worth tracker to monitor progress. For those with $100,000+ in assets, the advisory service offers personalized portfolio management and a dedicated advisor.
Key features
- Net Worth Tracker — See all your accounts in one place and track your net worth over time.
- Retirement Planner — Model future scenarios and estimate your retirement readiness.
- Investment Checkup — Get a free portfolio analysis and personalized asset allocation recommendations.
- Fee Analyzer — Discover hidden fees in your 401(k) or other retirement accounts.
- Cash Management — Access competitive APY on cash balances (rate varies).
- Wealth Management — For qualified investors, a human advisor monitors your portfolio and aligns it with your goals.
SaaSpartout Score
7.4
/10
Editorial score from our review methodology — not user ratings.
◆ AI advisor — 30 seconds, no signup
Why are you looking at Finance & Accounting tools today?
Personal Capital Pricing
Personal Capital pricing: from 0.89%/yr.
Free Financial Dashboard
$0 — includes net worth tracking, retirement planner, investment checkup, and fee analyzer. No advisory services included.
Wealth Management (Advisory)
0.89% per year on assets under management (first $1M). This includes personalized portfolio management, holistic planning, and access to a dedicated advisor.
Note: Pricing may vary based on asset level, and a free trial of the dashboard is available to all. Advisory services are provided by Personal Capital Advisors Corporation (PCAC), an SEC-registered investment adviser.
Frequently asked questions
Is Personal Capital free?
Yes, the basic financial dashboard and tools like net worth tracking, retirement planner, and fee analyzer are free to use.
How much does Personal Capital cost?
The free plan is $0. For advisory services, the fee starts at 0.89% per year on assets under management for the first $1 million.
Who is Personal Capital best for?
It's best for investors who want free financial planning tools and for those with at least $100,000 to invest who want professional advice.
What are the top alternatives to Personal Capital?
Top alternatives include Empower (formerly Personal Capital), Betterment, Wealthfront, and Vanguard Personal Advisor Services.
What is the key limitation of Personal Capital?
The advisory service requires a minimum of $100,000 in investable assets to enroll, which may be a barrier for smaller investors.
