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Accounting · head to head

Invoice2go vs Personal Capital

Invoice2go logo

Invoice2go

Accounting

Mobile-first invoicing app for small businesses and freelancers

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: Invoice2go starter plan caps invoices at just 30 per year, forcing an upgrade for most active businesses.; 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: Invoice2go covers Invoice creation and customization, Personal Capital covers Investment tracking.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Invoice2go and Personal Capital actually diverge.

Attributes where Invoice2go and Personal Capital differ
AttributeInvoice2goPersonal Capital
Starting priceOn requestFree
Pricing modelsubscriptionfreemium
Free tierNoYes
CategoryAccountingPersonal Finance
FoundedUnknown2010

Identical on both: platforms (web, ios, android), user rating (Not yet rated).

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 Invoice2go

  • Invoice creation and customization
  • Estimates and projects
  • In-app payments
  • Automated reminders
  • Accounting integrations
  • Team member access

Only in Personal Capital

  • Investment tracking
  • Retirement calculator
  • Fee analyzer
  • Net worth tracking
  • Bank accounts
  • Investment accounts
  • Real estate
  • Web support

What people use each for

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

Invoice2go

  • Freelancers invoicing clients from a mobile devicenot Personal Capital
  • Small service businesses tracking estimates and projectsnot Personal Capital
  • Businesses wanting integrated card and ACH paymentsnot Personal Capital
  • Businesses syncing invoices with QuickBooks or Xeronot Personal Capital

Personal Capital

  • Tracking net worth and investment accounts in one dashboardnot Invoice2go
  • Managed portfolio construction with tax loss harvesting for high balance investorsnot Invoice2go
  • Retirement planning projections across linked accountsnot Invoice2go

Where each one falls short

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

Invoice2go

  • Starter plan caps invoices at just 30 per year, forcing an upgrade for most active businesses.
  • Card processing fees are higher than some dedicated payment processors.
  • Accounting integrations are limited to QuickBooks and Xero, excluding other platforms.
  • Premium plan requires roughly $100k+/year revenue to be cost-effective, per its own positioning.

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

Invoice2go

On request
  • Starter$undefined/month
    • 30 invoices/year
    • 3.5% card payment fee
    • Free ACH bank transfers
  • Professional$undefined/month
    • 100 invoices/year
    • 3% card payment fee
    • QuickBooks/Xero integration
  • Premium$undefined/month
    • Unlimited invoices
    • 2.9% card payment fee
    • Recurring invoices

Personal Capital

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

Which should you pick?

Choose Invoice2go if

  • You need invoice creation and customization.
  • You work on web, ios, android.
  • You also want estimates and projects.
Invoice2go review

Choose Personal Capital if

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

Questions people ask

Is Invoice2go or Personal Capital better?
Neither clearly leads. Invoice2go 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, Invoice2go or Personal Capital?
Personal Capital has a free tier; the other does not. Paid plans start at On request for Invoice2go and Free for Personal Capital.
Does Invoice2go or Personal Capital run on more platforms?
Invoice2go runs on web, ios, android. 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. Invoice2go starts at On request.
What is Invoice2go best used for?
Invoice2go is most often used for freelancers invoicing clients from a mobile device, small service businesses tracking estimates and projects, businesses wanting integrated card and ach payments, businesses syncing invoices with quickbooks or xero. Of those, freelancers invoicing clients from a mobile device and small service businesses tracking estimates and projects are not what Personal Capital is typically brought in for.
What can Invoice2go do that Personal Capital cannot?
Invoice2go covers Invoice creation and customization, Estimates and projects, In-app payments, Automated reminders. Personal Capital covers Investment tracking, Retirement calculator, Fee analyzer, Net worth tracking.

Answered from the vendors’ own pages

Invoice2go: What does Invoice2go cost?

Invoice2go offers three tiers - Starter (30 invoices/year), Professional (100 invoices/year), and Premium (unlimited invoices) - distinguished by invoice volume and card processing fees from 3.5% down to 2.9%.

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
Invoice2go: Is there a free trial?

Yes, Invoice2go offers a 30-day free trial that requires a credit card but includes a 100% money-back guarantee if canceled within 30 days.

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
Invoice2go: Does Invoice2go integrate with accounting software?

Yes, the Professional and Premium plans include integration with QuickBooks and Xero.

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
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