Personal Capital: Retirement 4+

Investment, Net Worth Tracker

Personal Capital Corporation

Designed for iPad

    • 4.7 • 37.1K Ratings
    • Free

Description

Monitor all your investments, retirement, and finances with the only portfolio tracker you’ll ever need.

The Personal Capital Investing and Finance App - this is the smart way to track and manage your personal finance. Now you can see all your accounts in one place—bank accounts, stocks, retirement funds, and your investments. Use our Retirement Planner tool or become an investment client to get access to our financial advisors. This is more than a portfolio tracker, this is professional-grade tech to help you take control of your finances.

"Best App for Investors" - CNBC, 2021
"Best Financial App Award" for 2021 by Money Under 30
"Best for Portfolio Management" - for 2020 by Investopedia

START NOW FOR FREE
Join over 2.8 million people who use our free tools (as of 12/31/20).

MANAGE ALL YOUR ACCOUNTS IN ONE SECURE PLACE
With Personal Capital, you can see all of your accounts in one place. Manage your bank accounts, 401k, IRA, investments, stocks, and even debt, all on our dashboard.

INTERACTIVE CASH FLOW TOOLS
The Cash Flow graph allows you to see your total income and total expenses across all of your accounts, month over month.

TRACK YOUR INVESTMENTS
See how well your investments are performing – and how they could do even better – with the Investment Checkup tool. Compare your current portfolio allocation to the ideal target allocation designed to minimize risk and maximize returns to meet your financial goals.

PLAN FOR RETIREMENT
Build, manage, and forecast your retirement in one convenient place with your Retirement Planner.

PERSONAL CAPITAL FOR APPLE WATCH
Set a spending target and track it on the go. Quickly check your status by day, week, month, or year. Access your spending simply by checking the date.

WE DO NOT SELL YOUR PERSONAL INFORMATION
At Personal Capital, we keep your best interests in mind. This includes not selling your personal information. And if we share your information with third parties to help us deliver our services, we require that they don’t sell your personal information either. After all, nobody wants their contact information sold to telemarketers. Want to learn more about this? Please see our privacy policy at personalcapital.com/privacy-policy.

All visuals are illustrative only.

Featured individuals are paid spokespeople and not clients of PCAC and do not make any endorsements or recommendations about securities offerings or investment strategy.

* For more information about Personal Capital's advisory services, including fees and full disclosures, visit personalcapital.com/wealth-management. © 2021 Personal Capital Corporation, a wholly owned subsidiary of Empower Holdings, LLC. All rights reserved.

What’s New

Version 13.10

Performance improvements.

Ratings and Reviews

4.7 out of 5
37.1K Ratings

37.1K Ratings

Attacbot ,

Excellent app

Been using Personal Capital for over 5 years and it is very useful to be able to see your financial history at your fingertips. I have bought 2 homes and sold 1, been through market cycles, tracked retirement accounts and other financial accounts, and everything is there to see in the app and online. There is also other useful features like the retirement planner which allows you to get a good high level view of your retirement progress and add future events like home renovations or vehicle purchases, and asset allocation analysis and budget tracking. Really powerful financial tools!

They started out not offering additional advisory services but eventually moved into that space. It is optional, but they are somewhat pushy trying to get you to speak with their advisors (which is a paid service!). They will cold call about 1-2x per month. Luckily you can opt out of the paid advisory service and just use the financial tracking with the app which is still a useful benefit. I am sure they also get a handle on your “data” to understand aggregate trends of their customers (and who knows what else??). In any case, overall a fairly useful service!

JanWora ,

Great for seeing the big picture

I read a lot of online reviews of financial software offerings before I found Personal Capital. I love that I can get a big picture overview of my net worth, determine if I’m saving enough for my child’s education, if I’m saving enough for retirement, and seeing an aggregate of all my investments in one place. Also, like that it tracks my spending so I know how I well I’m keeping to a budget each month. In the past, I’ve tried tracking my finances using iBank, but it didn’t update automatically very well and was a lot of work to maintain. Personal Capital automatically updates everything, with the exception of my Capital One accounts, which apparently is an issue from Capital One’s end. A few drawbacks is not everything could be connected. For example, I couldn’t get my US Savings bonds and my NC 529 account to connect. Also, the connection to Zillow for estimating home values has been down for several months. I do like getting daily cash flow reports in my email. It allows me to easily confirm what I’ve spent on things before I’ve forgotten about them. Would definitely recommend this app and the desktop app as well. I ended up opening some accounts with Personal Capital after meeting with the investment advisor. That still remains to be seen how well that does. Hoping my earnings are as good as they say they will be. Looking forward to getting more financial advice as my relational with their company continues.

Stan_fawkes ,

Possibly the best personal finance app, but issues connecting Venmo.

Incredibly favorable dashboards and visualizations, better than any other for personally finance. I’m also a user of Mint (which is also good), and overall prefer Personal Capital. The investment allocation breakdowns are great, and intelligent recommendations are readily listed, though I wish that some better additional learning resources were immediately available within the app, tied to those intelligent recommended actions.

One incredible service that the app provides is free fiduciary services for users with over $100k in financial holdings. That has been a very nice surprise, and makes me feel even more confident that Personal Capital is in the user’s corner—I would have expected more predatory non-fiduciary financial advisor services, or a fee for service.

My only complaint is that Venmo constantly thinks that my account—which has been connected to the Personal Capital app, I believe through Plaid—is being hacked. I done have this issue with any of the other connected accounts I have with other financial institutions. It’s annoying, and paranoia inducing, but overall the app offers an incredible amount of value.

App Privacy

The developer, Personal Capital Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Diagnostics

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Siri

    Get things done within this app using just your voice.

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