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Personal Finance · head to head

Mint vs Personal Capital

Mint logo

Mint

Personal Finance

All your money in one app

From
Free
Rated
-
Full reviewWebsite
Personal Capital logo

Personal Capital

Personal Finance

Invest wisely, retire confidently

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; 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: Mint covers Expense tracking, Personal Capital covers Investment tracking.

Where they differ

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

Attributes where Mint and Personal Capital differ
AttributeMintPersonal Capital
Pricing modelfreefreemium
Founded20062010

Identical on both: starting price (Free), free tier (Yes), platforms (Web, iOS, Android), 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 Mint

  • Expense tracking
  • Budgets
  • Bill tracking
  • Credit score monitoring
  • Financial insights
  • Bank connections
  • Bank-level encryption
  • Verisign secured

Only in Personal Capital

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

Both cover

  • Web support
  • Android support

What people use each for

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

Mint

  • Legacy free budget tracking for users with supported bank connectionsnot Personal Capital
  • Users transitioning to Credit Karma for continued money management featuresnot Personal Capital

Personal Capital

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

Where each one falls short

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

Mint

  • Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported

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

Mint

Free

No published plan breakdown. See the Mint review.

Personal Capital

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

Which should you pick?

Choose Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint 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 Mint or Personal Capital better?
Neither clearly leads. Mint starts at Free and Personal Capital at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Mint or Personal Capital?
Mint starts at Free and Personal Capital at Free.
Does Mint or Personal Capital run on more platforms?
Mint runs on Web, iOS, Android. Personal Capital runs on Web, IOS, Android.
Can I use Mint for free?
Both have a free tier, so you can try either at no cost before committing.
What is Mint best used for?
Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Personal Capital is typically brought in for.
What can Mint do that Personal Capital cannot?
Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Personal Capital covers Investment tracking, Retirement calculator, Fee analyzer, Net worth tracking. Both handle Web support, Android support.
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