Personal Capital Review 2021: Track Your Finances For Free

At SavingExpert, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

The financial tool I’ll cover today is Personal Capital.

Trust me, I know there are a ton of personal financial management tools available but Personal Capital is one that I would highly recommend using.

This sophisticated tool can help you track your finances and investments with ease.

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At Personal Capital

About Personal Capital

  • Personal Capital is the free way to manage your money.
  • Easily take control of your financial life and get access to insight-driven wealth advisory services.
  • Offers a variety of free financial tools.
  • Click here to sign up for free.
Bonus: SavingExpert readers can join for free!

What is Personal Capital?

Personal Capital allows you to get access to insight-driven wealth advisory services and free online financial tools, all for free. They are committed to altering the financial management landscape.

The company really is a useful blend of technology and financial resources.

Personal Capital is an excellent example of how good things happen when technology meets finance.

Personal Capital Screenshots

How Does Personal Capital Work?

Personal Capital is more than just a budgeting tool. You can use the platform to manage all of your accounts, including bank accounts, savings accounts, loan accounts, credit cards, and investment portfolios.

It’s easy to get started:

  1. First, create your free Personal Capital account then you can link your financial accounts.
  2. All of your transactions and account information are then updated in real time.
  3. You will know what’s happening at any given time which will help you make the right financial decisions.


Personal Capital App

Personal Capital also has an app that I would recommend using alongside the platform. Anyone can download the Personal Capital app to help manage their personal finances – it’s 100% free. 

If you want to track your personal finances on a minute-by-minute basis, using an app is a great place to start. It allows you to manage your spending, monitor investments, and avoid getting into debt.

The Personal Capital app has won tons of awards and scored lots of praise online.

CNN voted it as one of the five best apps to manage investments and iTunes App Store staff voted it as one of their “Top Picks”.

Now let’s look at whether the Personal Capital can make your life easier.


Personal Capital App Features

1. Track Your Spending

One of the best features is how easy it is to track your spending.

It can be difficult to manage several different accounts and credit cards, but once you install the Personal Capital app on your smartphone, you can set a monthly spending target and check whether you are on track.

The app lets you set daily, weekly or monthly spending targets.

If you exceed your spending limit, the app tells you it’s time to quit spending.

Blue means you are good, but red means you should put the shoes down and leave the store immediately.


2. Manage Your Net Worth

If your main objective is to manage your net worth – no problem – Personal Capital is designed to make life easy.

Thanks to the app, you have your entire portfolio on your wrist.

The app monitors your investment portfolio’s performance in real time.

Have you made the right investment decisions? Are your stock holdings on a downward spiral?

Find out by checking the app.

3. Hands-on Management Service

If you prefer, you can pay for a hands-on management service, but this is aimed at high net worth individuals and for the majority of customers, the free app service is sufficient.

Is the Personal Capital App Available on All Platforms?

The best apps work across all platforms and the Personal Capital app is no different. You can download the app from the Apple App Store and Google Play. Use the app on your smartphone, tablet, or smartwatch. The more devices you use, the better able you are to keep track of your financial position.

Is Personal Capital Secure?

Security is a big issue with any online finance management app or platform.

We need to know our data is secure and our accounts protected.

Personal Capital takes cybersecurity seriously and there are numerous layers of protection in place.

All of your credentials are encrypted and stored in a third-party system.

Each time you register a new device, you must respond to a telephone call or email to verify it’s you.


Personal Capital Summary

Personal Capital is an easy way to manage your personal finances and it’s 100% free to use.

There are some valuable tools included in the app, such as spending alerts and investment tracking, which are not available in other budgeting apps.

You will find the app easy to use and the interface is very intuitive.

The only negative is that some users have reported annoying glitches, but from a personal perspective, I have had no issues using the app.

Considering all that Personal Capital has to offer, this is a great financial tool that is well worth checking out.

You can set up your free Personal Capital account here.

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(Or click here to learn more about Personal Capital → ) 

Do you have any thoughts on the Personal Capital App review? Let us know below!

Personal Capital Review




Customer Service


Ease of Use


Tools & Resources





  • You can easily track all of your finances and this can help take control of your financial life.
  • Personal Capital app is available for many devices including Apple watch, iOS, android devices, and the web platform has a beautiful interface.
  • Simple to Use — Easy and fast sign up in under 5 minutes.
  • Track your net worth and your investment accounts all in one platform, for free.


  • If you want wealth management services, you must have a minimum of $100,000 of assets connected to the platform.
  • You may receive phone solicitations from the Personal Capital team.

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Bottom Line:

Personal Capital is an easy way to manage your personal finances and it’s 100% free to use. Personal Capital creates summaries of your spending, net worth, and most importantly your investment portfolio.
Brian Meiggs
Founder of SavingExpert, Brian is an entrepreneur and investor who enjoys working out, reading, spending time with his family and friends, traveling and creating great content. He’s passionate about helping others achieve their financial goals. He uses the free Personal Capital app to manage his cash flow and net worth.

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Bottom Line:

Personal Capital is an easy way to manage your personal finances and it’s 100% free to use. Personal Capital creates summaries of your spending, net worth, and most importantly your investment portfolio.