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Personal Capital
Invest wisely, retire confidently
As of 30 August 2026, Personal Capital is free to use. Personal Capital combines free financial tools with personalized wealth management. Softwr lists it under Personal Finance. Personal Capital is made by Empower, launched in 2010, available on Web, iOS, Android.
Overview
What Personal Capital does
Personal Capital combines free financial tools with personalized wealth management. Track all your accounts, get investment advice, and plan for retirement with comprehensive financial dashboards.
What people use it 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
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about 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
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Pricing
What Personal Capital costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Free
Free
- Account tracking
- Net worth monitoring
- Investment analysis
Premium
On request
- Financial advisor access
- Personalized advice
Capabilities
Features
Investment tracking
Retirement calculator
Fee analyzer
Net worth tracking
Bank accounts
Integration with Bank accounts
Investment accounts
Integration with Investment accounts
Real estate
Integration with Real estate
Web support
Available on Web
IOS support
Available on iOS
Android support
Available on Android
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
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.
SourceDoes 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.
SourceWhat 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.
SourceBehind it
Who makes Personal Capital
- Company
- Empower
- Based in
- Mountain View, California
Keep looking
Where to go from Personal Capital
- Personal Capital alternativesEvery product people weigh against it
- Personal Capital pricingPlans, floors and what the tiers exclude
- Personal Capital badgesWhich rules it meets, and the figure behind each
- All Personal Finance softwareThe full category
- Best Personal Finance softwareThe shortlist, and how it was cut
Best Personal Finance software for
Compare Personal Capital with
- Cash App
- Kraken
- Coinbase
- PayPal
- Charles Schwab
- Fidelity
- Monarch Money
- Vanguard
- Betterment
- Credit Karma
- Moneydance
- Wealthfront
- Rocket Money
- Simplifi
- Skrill
- Spendee
- Splitwise
- Tiller Money
Other Personal Finance software
Softwr does not host reviews and shows no star rating for Personal Capital, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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