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Personal Finance · head to head

Personal Capital vs Remitly

Personal Capital logo

Personal Capital

Personal Finance

Invest wisely, retire confidently

From
Free
Rated
-
Full reviewWebsite
Remitly logo

Remitly

Personal Finance

Send money faster to loved ones abroad

From
On request
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; Remitly no fee schedule, exchange rate margin or transfer limit is published; the cost is disclosed only after starting a transfer for a specific corridor
  • They diverge on capability: Personal Capital covers Investment tracking, Remitly covers International remittances.

Where they differ

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

Attributes where Personal Capital and Remitly differ
AttributePersonal CapitalRemitly
Starting priceFreeOn request
Pricing modelfreemiumtransaction
Free tierYesNo
Founded20102011

Identical on both: 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
  • Investment accounts
  • Real estate

Only in Remitly

  • International remittances
  • Multiple delivery methods
  • Send money to 200+ countries
  • Currency conversion

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

Remitly

  • Sending cross border remittances from a phone or browsernot Personal Capital
  • Delivering funds to bank accounts, cash pickup and mobile wallets abroadnot 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

Remitly

  • No fee schedule, exchange rate margin or transfer limit is published; the cost is disclosed only after starting a transfer for a specific corridor
  • The Express and Economy delivery options have no published price difference

Pricing, plan by plan

Personal Capital

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

Remitly

On request
  • Express$undefined/month
    • Fast transfers
    • Multiple delivery methods
  • Economy$undefined/month
    • Lower cost option
    • 3-4 day delivery

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 Remitly if

  • You need international remittances.
  • You work on Web, IOS, Android.
  • You also want multiple delivery methods.
Remitly review

Questions people ask

Is Personal Capital or Remitly better?
Neither clearly leads. Personal Capital starts at Free and Remitly at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Personal Capital or Remitly?
Personal Capital has a free tier; the other does not. Paid plans start at Free for Personal Capital and On request for Remitly.
Does Personal Capital or Remitly 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?
Yes. Personal Capital has a free tier, so you can try it without paying. Remitly starts at On request.
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 Remitly is typically brought in for.
What can Personal Capital do that Remitly cannot?
Personal Capital covers Investment tracking, Retirement calculator, Fee analyzer, Net worth tracking. Remitly covers International remittances, Multiple delivery methods, Send money to 200+ countries, Currency conversion. Both handle Bank accounts, Web support, IOS support, Android support.
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