Personal Capital Review: Wealth Management App

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The problem that many people face when they start earning alot of money is how to invest that money. Yet another issue that can arise is learning how to track your investments.

Personal Capital is the perfect application to assist those who are serious about tracking their investments and personal expenses.

If you're an entrepreneur, yes you can track your expenses alone but why would you want to? The time you spend tracking accounts can be time spent building up your business and networking.

Personal Capital is the perfect tool for the job.

What Is Personal Capital?

Personal Capital is a scalable investing app. This app allows you to keep track of your net worth as well as cash flow.

While many money management apps are marketed towards the everyday spender, Personal Capital is mostly suited for investors.

Non investors can also use the app if they are just interested in tracking their expenses. It's a good choice if you know you will be investing in the future.


Easy To Sign Up

The Personal Capital app is free to use. They make money by offering credit card and loan products.

They also earn a commission if one of their users signs up for certain accounts and there are minimal ads on the app as well that earn them money.

Because of this they don't charge you a monthly subscription price like some other money management apps do.

This is a trade off that benefits us as the user. A free budgeting and accounts tracking app sounds awesome.

Is Personal Capital Trustworthy?

Personal Capital has $11.6 billion in assets under management with about 24,000 investment clients.

It also has a strong reputation. After all it is popular with investors who can be picky about how they use their hard earned money.

Personal Capital has an A+ rating with the Better Business Bureau and has been in business since 2009.

The app and website are nicely laid out and modern making it very easy to navigate. The app also has a 4.7 star rating on the app store.

Customer Service

If you’re a new investor we know that it can be a challenge to get the help you need. Personal Capital is there to answer any questions you may have.

Whether you have questions about your 401k and IRA, or you want to know how to deal with stock volatility, Personal Capital can give you valuable advice on these money matters.

Take Advantage

We may feel like a boss when we first start out investing and tracking our expenses with an app like Personal Capital.

But don't forget that no one knows everything so the more knowledge you learn from others is extremely beneficial.

So when starting out with Personal Capital take full advantage of their customer service and the many resources on their website.

Personal Capital Advisor

If you're looking for personal one on one investment advice Personal Capital offers a financial advisory service.

As you make important financial decisions you may be unsure about certain things. This is where you have your own personal advisor and assist you.

They will never make decisions for you but they will be able to guide you so that you can make a smart choice regarding your finances.

Why Use an App Like Personal Capital

If you're reading this article it is because you understand the value of managing and growing your finances.

One of the most important aspects of personal finance is setting up a budget to see what money is coming in and what is going out.

It may seem small but this is so important because it helps you to see clearly where all your money is going so you can plan how you want to move forward.

Make Life Easier

Usually you would have to keep track of all of your bank accounts, spending, and investments by yourself.

Personal Capital does all of this for you. That is why an app like this can be so important. It can help change your financial life.

Time is money and you will be more efficient with your valuable time by automating your financial tracking process.

Personal Capital Tools

When you start to use this app you will get familiar with the different sections and tabs within it.

Connecting all of your accounts, investments, and bills will allow you to view your networth just by looking at the app. How cool is that.

Sections Include:

  • Financial tools
  • Investment checkup
  • Retirement planner
  • Networth tracker
  • Fee analyzer

Be sure to become familiar with these sections because these are the tools that will help you to plan your future.

Additional Personal Capital Features:

  • All your accounts in one place
  • Smart Indexing
  • Customizable portfolios
  • Full financial planning
  • Tax loss harvesting
  • Free 401k selection advice

Is My Data Safe With Personal Capital?

Personal Capital has a guarantee never to sell your personal data like some other companies may do.

All of your personal data is encrypted so you don't have to worry about hackers accessing your accounts.

Person Capital has a strict internal access policy which means that no individual at Personal Capital has access to your credential.


If you're getting to the point where you're taking your finances and investing seriously it is only a matter of time before you choose your first money management app.

Personal Capital is a great choice especially because it is geared not only towards normal people but also towards serious investors.

Having an app that you can bring with you everywhere will make managing your personal finances fun and enjoyable.

The automatic tracking means that once you enter your cards, bank accounts, and investment information, the Personal Capital app will take care of the rest for you.

Regardless of whatever method you choose to manage your money, make sure that budgeting becomes a priority in your life. It will change your life if done right. We wish you all the best in your financial success.