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Personal Finance · head to head

Personal Capital vs Mint

Personal Capital logo

Personal Capital

Personal Finance

Invest wisely, retire confidently

From
Free
Rated
-
Full reviewWebsite
Mint logo

Mint

Personal Finance

All your money in one app

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; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
  • They diverge on capability: Personal Capital covers Investment tracking, Mint covers Expense tracking.

Where they differ

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

Attributes where Personal Capital and Mint differ
AttributePersonal CapitalMint
Pricing modelfreemiumfree
Founded20102006

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 Personal Capital

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

Only in Mint

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

Both cover

  • Web 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 Mint
  • Managed portfolio construction with tax loss harvesting for high balance investorsnot Mint
  • Retirement planning projections across linked accountsnot Mint

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

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

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

Pricing, plan by plan

Personal Capital

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

Mint

Free

No published plan breakdown. See the Mint review.

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 Mint if

  • You need expense tracking.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want budgets.
Mint review

Questions people ask

Is Personal Capital or Mint better?
Neither clearly leads. Personal Capital starts at Free and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Personal Capital or Mint?
Personal Capital starts at Free and Mint at Free.
Does Personal Capital or Mint run on more platforms?
Personal Capital runs on Web, IOS, Android. Mint runs on Web, iOS, Android.
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 Mint is typically brought in for.
What can Personal Capital do that Mint cannot?
Personal Capital covers Investment tracking, Retirement calculator, Fee analyzer, Net worth tracking. Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Both handle Web support, Android support.
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