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Personal Finance · head to head

Banktivity vs Personal Capital

Banktivity logo

Banktivity

Personal Finance

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Personal Capital logo

Personal Capital

Personal Finance

Invest wisely, retire confidently

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Personal Capital has a free tier, so it costs nothing to try first.
  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Personal Capital wealth management requires a 100,000 USD minimum for Investment Services, 250,000 USD for Wealth Management and 1,000,000 USD for Private Client
  • They diverge on capability: Banktivity covers Account tracking, Personal Capital covers Retirement calculator.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Banktivity and Personal Capital actually diverge.

Attributes where Banktivity and Personal Capital differ
AttributeBanktivityPersonal Capital
Starting priceOn requestFree
Pricing modelsubscriptionfreemium
Free tierNoYes
PlatformsMac, IOSWeb, IOS, Android
Founded20072010

Identical on both: user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Budget forecasting
  • Mac support

Only in Personal Capital

  • Retirement calculator
  • Fee analyzer
  • Net worth tracking
  • Real estate
  • Web support
  • Android support

Both cover

  • Investment tracking
  • Bank accounts
  • Investment accounts
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Personal Capital
  • Investment and net worth trackingnot Personal Capital
  • Retirement planning projectionsnot Personal Capital
  • Connecting to over 14,000 financial institutionsnot Personal Capital

Personal Capital

  • Tracking net worth and investment accounts in one dashboardnot Banktivity
  • Managed portfolio construction with tax loss harvesting for high balance investorsnot Banktivity
  • Retirement planning projections across linked accountsnot Banktivity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Personal Capital

  • Wealth management requires a 100,000 USD minimum for Investment Services, 250,000 USD for Wealth Management and 1,000,000 USD for Private Client
  • The annual advisory fee is charged as a percentage of assets under management on a tiered structure rather than a flat subscription
  • Assets are custodied at Pershing Advisor Solutions rather than by the provider itself

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Personal Capital

Free
  • FreeFree
    • Account tracking
    • Net worth monitoring
    • Investment analysis
  • Premium$undefined/month
    • Financial advisor access
    • Personalized advice

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Personal Capital if

  • You need retirement calculator.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want fee analyzer.
Personal Capital review

Questions people ask

Is Banktivity or Personal Capital better?
Neither clearly leads. Banktivity starts at On request and Personal Capital at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Personal Capital?
Personal Capital has a free tier; the other does not. Paid plans start at On request for Banktivity and Free for Personal Capital.
Does Banktivity or Personal Capital run on more platforms?
Banktivity runs on Mac, IOS. Personal Capital runs on Web, IOS, Android.
Can I use Personal Capital for free?
Yes. Personal Capital has a free tier, so you can try it without paying. Banktivity starts at On request.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and investment and net worth tracking are not what Personal Capital is typically brought in for.
What can Banktivity do that Personal Capital cannot?
Banktivity covers Account tracking, Bill management, Budget forecasting, Mac support. Personal Capital covers Retirement calculator, Fee analyzer, Net worth tracking, Real estate. Both handle Investment tracking, Bank accounts, Investment accounts, IOS support.

Answered from the vendors’ own pages

Banktivity: Does Banktivity offer a free trial?

Yes. Banktivity offers a 30-day free trial at any subscription level with no credit card required. This allows you to test the platform before committing.

Source
Personal Capital: How are advisory fees calculated at Personal Capital?

Advisory fees are calculated based on the amount of assets under management (AUM). Specific percentage rates are available in their Form ADV filing but not detailed on the homepage.

Source
Banktivity: What devices does Banktivity support?

Banktivity is available on Mac, iPhone, and iPad with cross-device sync. Data is encrypted end-to-end across all devices.

Source
Personal Capital: Does Personal Capital charge account fees for its high-yield cash account?

The high-yield cash account has no account fees and no minimum balance requirement.

Source
Banktivity: How many banks does Banktivity connect to?

Banktivity connects to 14,000+ banks, allowing direct connections to most major financial institutions.

Source
Personal Capital: What is the difference between Personal Strategy and Private Client tiers?

Personal Strategy ($100k minimum) includes 1:1 advisor support and personalized planning. Private Client ($1M minimum) offers premium planning with access to private equity, tax optimization, and legacy planning services.

Source
Banktivity: What financial planning tools does Banktivity include?

Banktivity includes budgeting, financial reporting, investment portfolio tracking, retirement planning tools, and net worth tracking across all your accounts.

Source
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