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Personal Finance · head to head

Personal Capital vs Quicken

Personal Capital logo

Personal Capital

Personal Finance

Invest wisely, retire confidently

From
Free
Rated
-
Full reviewWebsite
Quicken logo

Quicken

Personal Finance

Take control of your finances

From
$3.99/month
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: 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; Quicken quicken Simplifi (cloud version) costs $3.99 annually if billed yearly, but renews at full price $6.99/month unless cancelled before renewal
  • They diverge on capability: Personal Capital covers Retirement calculator, Quicken covers Budget creation.

Where they differ

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

Attributes where Personal Capital and Quicken differ
AttributePersonal CapitalQuicken
Starting priceFree$3.99/month
Pricing modelfreemiumsubscription
Free tierYesNo
PlatformsWeb, IOS, AndroidWeb, iOS, Android, Windows, macOS
Founded20101983

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 Personal Capital

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

Only in Quicken

  • Budget creation
  • Bill management
  • Tax planning
  • Credit cards
  • Windows support
  • Mac 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.

Personal Capital

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

Quicken

  • Individuals managing personal finances via Quicken Simplifi cloud app for budgeting and savings trackingnot Personal Capital
  • Freelancers and self-employed managing business and personal finances via Quicken Business & Personal plannot Personal Capital
  • Users preferring local data storage via Classic desktop editionsnot 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

Quicken

  • Quicken Simplifi (cloud version) costs $3.99 annually if billed yearly, but renews at full price $6.99/month unless cancelled before renewal
  • Renewal pricing significantly higher than introductory rate; annual cost jumps from $47.88 (promotional) to $83.88 (regular renewal)

Pricing, plan by plan

Personal Capital

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

Quicken

$3.99/month

No published plan breakdown. See the Quicken review.

Which should you pick?

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

Choose Quicken if

  • You need budget creation.
  • You work on Web, iOS, Android, Windows, macOS.
  • You also want bill management.
Quicken review

Questions people ask

Is Personal Capital or Quicken better?
Neither clearly leads. Personal Capital starts at Free and Quicken at $3.99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Personal Capital or Quicken?
Personal Capital has a free tier; the other does not. Paid plans start at Free for Personal Capital and $3.99/month for Quicken.
Does Personal Capital or Quicken run on more platforms?
Personal Capital runs on Web, IOS, Android. Quicken runs on Web, iOS, Android, Windows, macOS.
Can I use Personal Capital for free?
Yes. Personal Capital has a free tier, so you can try it without paying. Quicken starts at $3.99/month.
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 Quicken is typically brought in for.
What can Personal Capital do that Quicken cannot?
Personal Capital covers Retirement calculator, Fee analyzer, Net worth tracking, Real estate. Quicken covers Budget creation, Bill management, Tax planning, Credit cards. Both handle Investment tracking, Bank accounts, Investment accounts, IOS support.
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