Personal CapitalReviews of personalcapital.com

I use YNAB (you need a budget) for tracking daily expenditures. I really wanted an app that would track all my account balances in one place, including investment accounts. Intuit products are too unstable and unpredictable. The app user interface is awesome and I like the simple, succinct investment input it provides. All in all, it's a great product so far.

Very helpful tool for reviewing all or most of your personal finances in one place.

I Definitely recommend all to use this

It's great to get a good overview of your finances and your progress over time as well as to hone in on areas that you need to continue to work on.

Opening an account with Personal Capital changed my young adult life. After graduation, I took a job paying $30,000 with very long hours. I had little care for my money. My main goal was having fun with friends in my limited down hours and just making sure I had enough money in my bank account. Personal Capital allowed me to see my financial picture and it was bleak. In two years since I've opened the account, I've dramatically increased my savings rate, lowered my student debt, and saved for retirement.

I've not always been the best at budgeting, I will throw my money into a big pot and just kind of hope that it's there when I need it. Generally i'm in the right ballpark, but there have been moments when you overlook something and problems arise. Personal Capital has gave me a hub to log into daily, to keep track of all my current accounts, investments and any debts I may have accrued. I would recommend this to people who are good with their budgets and bad with their budgets alike. Just keeps a present mind on you finances and allows a good visual summary of where you stand.

The only thing I wish I could figure out how to do, is to track silver and gold spot pricing. Other than that I use it daily. Hope that this is coming in a recent update!!!

My review is only of the website- I have not subscribed to any of the wealth management services offered. The website is very useful. I am also a Mint user, and the advantages of Personal Capital over Mint are 1) It has fewer bugs related to linking to accounts, and it links faster. 2) It shows investment allocation (very useful for someone like me with most of my investments in index funds). 3) It has a very useful retirement planner, which is the best I've used. Every other retirement planner tells me I'm abysmally behind, due to its inability to link to all of my accounts. The Personal Capital retirement planner gives me an analysis that I feel is much more reliable, so that I know what financial changes I should make now in order to have a stable future.