Personal Capital Reviews

About Personal Capital is the online home of Personal Capital, a company that says customers can use their free software in order to simplify their financial life as well as advice that will help you invest better.

How Does It Work?

According to their website, the goal of this company is to build a better money management experience for consumers. In order to do this, Personal Capital had to find a way to combine objective financial advice with the technology necessary to bring that advice to a wide range of customers through a mobile application.

To do this, Personal Capital decided to focus their service on syncing up all your financial accounts in a single location, in order to create summaries of your cash flow, net worth, and investment portfolio with recommendations. 

They also offer tools for daily budgeting, a 401(k) fee analyzer, investment checkups, mutual fund analyzer, asset allocation targets, and more. They’ve also recently partnered with real estate website Zillow, in order to take into the real time value of any property holdings you have, to always make sure their customers really have a fully informed view of their financial wellbeing. 

Mobile Options

At this time, the Personal Capital website says that they offer free downloadable mobile applications for iOS, Android, and Amazon devices. 

Cost/Price Plans

As mentioned above, downloading the mobile apps is free, as well as many of the standard features available from their app like the budgeting features. If you do decide to upgrade your membership and begin using this service for your financial management, the website promises that all fees “are low, transparent, and aligned with our clients’ best interest.”

They do provide a simple example of their fees on their website, saying that they are able to build and manage an investment strategy for than 1% in management fees.

Refund Policy

Since most of the features offered through this website are actually free of charge to take advantage of, and the only time customers will spend money is when they decide to contract this company for their investment management services, there is no real applicable Refund Policy for this company at this time.   

Customer Service Contact Info

Customers who would like to contact their Customer Service team with questions, concerns, or complaints can do so by phone at 855-855-8005 or by submitting them directly to the website through their Contact Us link. 


Though there are hardly any reviews of this company available from actual users or customers are this time, there does seem to be a fair selection of third party independent reviews published by various blogs, business, and technology publications.

Most of these reviews are actually very positive and favorable, in spite of the fact that almost all reviewers noted how incredibly competitive the automated finance market is becoming and how most of these apps offer extremely similar features. 

The biggest benefit this company has to offer over similar automated finance offerings or basic financial management service apps and websites is that it takes all aspects of finances into considering, including your daily spending habits and your household budget, which is generally not taken into account with traditional financial management services. 

Competitors and Alternatives?

As mentioned above, there are many, many different financial management services and automated finance apps, including Betterment, Wealthfront,, and many others. 

If you have experience with this company or their products, please leave your Personal Capital reviews below.

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1 ‘Personal Capital’ Review
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Great money management/investing tool

Reviewed By Marc on September 12, 2013, New York

Have tried Mint, but personally find this to be better suited for managing investments in addition to tracking your bank accounts, credit card spending, loans, etc..

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