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Personal Finance · head to head

Personal Capital vs Splitwise

Personal Capital logo

Personal Capital

Personal Finance

Invest wisely, retire confidently

From
Free
Rated
-
Full reviewWebsite
Splitwise logo

Splitwise

Personal Finance

Split expenses easily with friends

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; Splitwise the free tier limits how many expenses can be added in a day and shows adverts
  • They diverge on capability: Personal Capital covers Investment tracking, Splitwise covers Bill splitting.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

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

Attributes where Personal Capital and Splitwise differ
AttributePersonal CapitalSplitwise
Founded20102011

Identical on both: starting price (Free), pricing model (freemium), 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

Only in Splitwise

  • Bill splitting
  • Expense tracking
  • Group management
  • Settlement tracking
  • Venmo
  • PayPal

Both cover

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

Splitwise

  • Splitting shared household bills between flatmatesnot Personal Capital
  • Tracking who owes what on a group tripnot Personal Capital
  • Settling up across currencies on the Pro plannot Personal Capital
  • Recording IOUs between friends over timenot 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

Splitwise

  • The free tier limits how many expenses can be added in a day and shows adverts
  • Transaction import works in the United States only
  • Currency conversion, receipt scanning, charts and expense search are all Pro features
  • The Pro price is not shown on the product page

Pricing, plan by plan

Personal Capital

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

Splitwise

Free
  • FreeFree
    • Bill splitting
    • Group tracking
    • Mobile app
  • Splitwise Pro$4.99/month
    • Receipt scanning
    • Advanced analytics
    • No ads

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 Splitwise if

  • You need bill splitting.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want expense tracking.
Splitwise review

Questions people ask

Is Personal Capital or Splitwise better?
Neither clearly leads. Personal Capital starts at Free and Splitwise at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Personal Capital or Splitwise?
Personal Capital starts at Free and Splitwise at Free.
Does Personal Capital or Splitwise 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 Splitwise is typically brought in for.
What can Personal Capital do that Splitwise cannot?
Personal Capital covers Investment tracking, Retirement calculator, Fee analyzer, Net worth tracking. Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. Both handle Web support, IOS support, Android support.

Answered from the vendors’ own pages

Personal Capital: How are advisory fees calculated at Personal Capital?

Advisory fees are calculated based on the amount of assets under management (AUM). Specific percentage rates are available in their Form ADV filing but not detailed on the homepage.

Source
Splitwise: Is there a free version of Splitwise?

Yes, Splitwise offers a free version available for iPhone, Android, and web with core features including adding groups and friends, splitting expenses, recording debts, equal or unequal splits, offline mode, and cloud sync.

Source
Personal Capital: Does Personal Capital charge account fees for its high-yield cash account?

The high-yield cash account has no account fees and no minimum balance requirement.

Source
Splitwise: What is Splitwise PRO and how much does it cost?

Splitwise PRO is an upgrade offering receipt scanning, charts and graphs, currency conversion, and additional features. The specific price is not published on the main website; users must visit the subscription page or access the app to view pricing details.

Source
Personal Capital: What is the difference between Personal Strategy and Private Client tiers?

Personal Strategy ($100k minimum) includes 1:1 advisor support and personalized planning. Private Client ($1M minimum) offers premium planning with access to private equity, tax optimization, and legacy planning services.

Source
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