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Personal Capital Budgeting & Investing

By Personal Capital Corporation

Essentials

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Description

Personal Capital is the smart way to track and manage your financial life. We combine award-winning online financial tools that provide unprecedented transparency into your finances with personal attention from licensed financial planners. The result is a complete transformation in the way you understand, manage and grow your net worth.

THE MODERN WAY TO TRACK AND MANAGE YOUR NET WORTH
Our unique combination of people and technology makes Personal Capital the smart choice because you can see all of your accounts in one place. Our dashboard provides real-time data that uncovers trends and accurately reflects your cash flow. And as fiduciaries, our advisors are legally bound to act in your best interest so we will never put our personal financial gain above yours. Let Personal Capital help ensure that you’re always moving towards your financial goals – at significantly less cost than traditional financial advisors, and with no hidden fees.

PERSONAL CAPITAL: MILLIONS OF PEOPLE. BILLIONS IN ASSETS.
“2014 & 2015 CNBC Disruptor 50 List” – CNBC
"Best 5 Free Apps to Invest Smarter" – CNN
“Time Magazine's 50 Best Websites” – Time
“Best Online Tool to Track Your Investments” – Forbes
"App Store Staff Pick" – iTunes
"Editors’ Choice" – Macworld
“One of the top Registered Investment Advisors (RIA) in America” - The Financial Times

“Minimal account connection hassles, detailed financial information, and the option to speak directly with a financial advisor make Personal Capital the best free finance tracking app available.”
– Macworld

SIGNUP FOR FREE
With the free Personal Capital app, you can easily and quickly link your accounts. We integrate with over 14,000 financial data sources, including Fidelity, Schwab, Wells Fargo and thousands of local and regional credit unions. You can be up and running in about a minute for a 360° view of your financial life.

PERSONAL CAPITAL FOR APPLE WATCH
Set a spending target and track it on the go
Review new transactions

INTERACTIVE CASH FLOW TOOLS
Create and follow a budget
See if you’re spending more than you’re making
Monitor credit card balances
See detailed income and spending by category or payee
Drill down into a category to see transaction details
Review transactions in the last 24 hours with the Recent Transactions Today extension

TRACK YOUR INVESTMENTS
What’s the market doing? And how is it affecting your assets? Track the numbers by account, asset class or individual security.
Compare your portfolio against major market benchmarks and stay on track to meet your investing goals.
Install the Holdings Today extension to track daily market and individual holdings movement.

PERSONALIZED INVESTMENT ADVICE
Personal Capital advisors are licensed financial advisors who provide customized advice tailored specifically to your goals.

BUILT-IN INVESTMENT INTELLIGENCE
With Investment Checkup, you can compare your portfolio’s allocation to the ideal target allocation and see how well your investments are doing. Uncover opportunities for diversification, minimize risk, and pinpoint hidden fees to fine-tune and improve performance.

UNCOVER HIDDEN FEES
Is your portfolio working as hard as it could be? The Allocation Checkup feature could save you thousands on expensive mutual fund fees.

PLAN FOR THE FUTURE
Get a quick retirement plan based on your actual financial data
Easily add future goals like a home purchase, remodel, college spending, vacations
See the impact of your future goals on your overall financial health

BANK-LEVEL SECURITY
You can use the Personal Capital app with confidence. Our two-step remote authentication process builds in an extra measure of security to verify your identity and your device, so you can manage your money and finances knowing your data is safe.

What's New in Version 6.3

- Retirement planner now on iPhone; education, home purchases, vacations, a new car, see how it all impacts your financial future
- Custom categories are now on all devices
- Improvements to the Personal Strategy feature for investment clients
- Investment clients can now add funds to their accounts from inside the app

Screenshots

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Customer Reviews

Great for Viewing the BIG Picture

The categories and charts are nice. I also like the real time updating with everything all in one place. Sure beats going multiple sites with multiple logins.

The above being said I do have a couple concerns:

First, the app doesn't show running cost basis, with dividend reinvestment. Like most, I like cost basis information because it translates into showing gains and losses from the purchase date. This is a big hole in the software. If my individual brokerage accounts can show running cost basis, it seems logical that the same information can be imported into PC. This functionality would be a game changer.

Second, the incessant calls from the various layers of assistants and advisors at PC is too much at best, and downright annoying at worst. I also don't love the thought that PC can view your data and hence know who to call and who not to waste their time with. Kind of like a "light" spy agency. We all know this software is given out for free to generate leads but the approach is a little cheesy and overcooked. It didn't help that when I did finally accept the call with the PC advisor that the background noise sounded like a scene right out of the movie Boiler Room!

Love this app!

I'm big into tracking my money and personal finance is the best app/website for that. You can see over time how your investments and net worth has grown and easily set goals for yourself. I haven't used the portfolio help yet but I think it's awesome that it's offered. The only downside is you can't change the dates on transactions. We bought a house so we were moving a lot of money around from different places for the down payment. Because of this it would show up in one account before it had moved from the other and made the net worth got up then back down since it was multiple days. Outside of changing transaction days there's not much that can be made better!

Still a lot of services offered free

The business model of Personal Capital is to become your wealth advisor. If you are more of a DIY person, you can still get a lot of use out of the website and app. It will help you look at your assets, assuming they are properly categorized to see if they are in line with their ideal balanced model of risk and reward. If your assets are not categorized, you can help the service by providing a similar asset. For example, my employer's 401k program has some options that Personal Capital can't recognize, but looking into the fund descriptions or goals, I can choose something similar. Overall a great service.

Personal Capital Budgeting & Investing
View in iTunes
This app is designed for both iPhone and iPad
Offers Apple Watch App for iPhone
  • Free
  • Category: Finance
  • Updated:
  • Version: 6.3
  • Size: 83.4 MB
  • Apple Watch: Yes
  • Language: English
  • Seller:

Compatibility: Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.

Customer Ratings

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