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Personal Capital vs EveryDollar

Personal Capital logo

Personal Capital

Software

Invest wisely, retire confidently

From
Free
Rated
-
Full reviewWebsite
EveryDollar logo

EveryDollar

Software

Budget every dollar, build wealth faster

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: 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; EveryDollar the free version has no bank connection, so every transaction is entered by hand
  • They diverge on capability: Personal Capital covers Investment tracking, EveryDollar covers Zero-based budgeting.

Where they differ

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

Attributes where Personal Capital and EveryDollar differ
AttributePersonal CapitalEveryDollar
Founded20102014

Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), platforms (Web, IOS, Android), user rating (Not yet rated), category (Unknown).

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 Personal Capital

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

Only in EveryDollar

  • Zero-based budgeting
  • Transaction tracking
  • Budget planning
  • Financial insights

Both cover

  • Bank accounts
  • Web support
  • IOS support
  • Android support

What people use each for

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

Personal Capital

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

EveryDollar

  • Zero based monthly budgeting using the Ramsey methodnot Personal Capital
  • Tracking bills and sinking funds by categorynot Personal Capital
  • Automatically importing bank transactions into a budget on Premiumnot Personal Capital

Where each one falls short

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

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

EveryDollar

  • The free version has no bank connection, so every transaction is entered by hand
  • CSV export of budget data is Premium only
  • Spending reports and historical comparisons are Premium only
  • Premium costs $17.99 per month billed monthly, and the $6.67 headline rate requires paying $79.99 for a year up front
  • The free trial lasts 14 days and is limited to new users

Pricing, plan by plan

Personal Capital

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

EveryDollar

Free
  • FreeFree
    • Manual budget entry
  • Plus$14.99/month
    • Bank sync
    • Mobile app
    • Transaction tracking

Which should you pick?

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

Choose EveryDollar if

  • You need zero-based budgeting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want transaction tracking.
EveryDollar review

Questions people ask

Is Personal Capital or EveryDollar better?
Neither clearly leads. Personal Capital starts at Free and EveryDollar at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Personal Capital or EveryDollar?
Personal Capital starts at Free and EveryDollar at Free.
Does Personal Capital or EveryDollar run on more platforms?
Both run on Web, IOS, Android, so platform support will not decide this one for you.
Can I use Personal Capital for free?
Both have a free tier, so you can try either at no cost before committing.
What is Personal Capital best used for?
Personal Capital is most often used for tracking net worth and investment accounts in one dashboard, managed portfolio construction with tax loss harvesting for high balance investors, retirement planning projections across linked accounts. Of those, tracking net worth and investment accounts in one dashboard and managed portfolio construction with tax loss harvesting for high balance investors are not what EveryDollar is typically brought in for.
What can Personal Capital do that EveryDollar cannot?
Personal Capital covers Investment tracking, Retirement calculator, Fee analyzer, Net worth tracking. EveryDollar covers Zero-based budgeting, Transaction tracking, Budget planning, Financial insights. Both handle Bank accounts, Web support, IOS support, Android support.
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