Personal Finance · pricing
Personal Capital pricing
Personal Capital publishes 2 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
- Entry price
- Free
- Model
- Freemium
- Tiers
- 2
- Free tier
- Yes
Personal Capital plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Free | Free | 3 | Entry tier |
| Premium | On request | 2 | Priced on request |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Free
FreeThe entry tier. It covers account tracking, net worth monitoring, investment analysis.
Premium
On requestOver Free, this tier adds:
- Financial advisor access
- Personalized advice
Where Personal Capital stops being free
Free, Free
- Account tracking
- Net worth monitoring
- Investment analysis
No paid tier on record
Personal Capital lists a free tier and no priced tier above it in the record we hold.
What the product covers
The full Personal Capital feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Core
- Investment tracking
- Retirement calculator
- Fee analyzer
- Net worth tracking
Integrations
- Bank accounts
- Investment accounts
- Real estate
Platform
- Web support
- IOS support
- Android support
People bring Personal Capital in 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. If that is not the job you are buying for, the alternatives to Personal Capital are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Personal Capital (this page) | Free | freemium | - | |
| Copilot Money | Free | freemium | - | vs Personal Capital |
| Cash App | Free | free | - | vs Personal Capital |
| Apple Pay | Free | free | - | vs Personal Capital |
| Betterment | $5/month | subscription | - | vs Personal Capital |
| Charles Schwab | On request | transaction | - | vs Personal Capital |
| Acorns | On request | subscription | - | vs Personal Capital |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Personal Capital badges page.
Before you pay for Personal Capital
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 2 tiers between Free and On request, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Personal Capital runs on web, ios, android, and is published by Empower of Mountain View, California. The full record is on the Personal Capital review, and the rest of the category is under best personal finance tools.
Personal Capital pricing questions
- How much does Personal Capital cost?
- Personal Capital publishes 2 tiers, from Free for Free up to On request for Premium. The entry tier costs nothing.
- Does Personal Capital have a free plan?
- Yes. The Free tier costs nothing and covers account tracking, net worth monitoring, investment analysis.
- What is the difference between Free and Premium on Personal Capital?
- Premium costs On request against Free, and adds financial advisor access, personalized advice.
- Which personal finance tools can I use without paying?
- 4 of the 8 personal finance tools listed alongside Personal Capital have a free tier: Copilot Money, Cash App, Apple Pay, Coinbase.
- What am I actually paying for with Personal Capital?
- The record lists 10 features across 3 areas: core, integrations, platform. In practice it is brought in 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.
- Does Personal Capital charge per user?
- The record carries a price and a billing period for each of its 2 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Personal Capital prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Personal Capital against before paying?
- The closest personal finance tools in this directory are Copilot Money, Cash App, Apple Pay, Betterment. Each has a side-by-side comparison with Personal Capital covering price, platforms and features.