Personal Capital
by Empower (formerly Personal Capital) · Finance & Banking · Investing
Financial dashboard and wealth management tool for tracking net worth and investments.
Quick Answer: Personal Capital has a verified Real Score of 4/5 based on 19,000 verified reviews, compared to its App Store rating of 4.6/5. Highly recommended by verified users.
Real Score vs App Store Rating
App Store Rating
Includes unverified reviews
Verified Real Score
Based on 19,000 verified reviews
Gap Alert: Personal Capital's App Store rating is 0.6 points higher than its verified Real Score. This suggests that some store reviews may be inflated by fake or incentivized ratings.
Pros & Cons
What Users Love
- Excellent free financial dashboard
- Net worth tracking
- Investment fee analyzer
- Retirement planner
Common Complaints
- Aggressive sales calls
- Wealth management requires $100K+
- App can be slow
- Renamed to Empower causing confusion
Verified Reviews (20)
Best free financial dashboard
The free dashboard aggregating all accounts - banks, investments, credit cards, mortgage - is the best holistic financial view available. Net worth, cash flow, investment performance all in one place.
Prepare for sales calls
After linking my accounts, I got calls from their advisory team within days. They're persistent. If you just want the free tools and not the wealth management service, the calls are annoying.
Investment checkup is eye-opening
The investment checkup tool analyzed my 401K and showed I was paying 0.8% in hidden fees and was poorly diversified. That analysis alone saved me thousands by prompting changes.
Retirement planner is sophisticated
The retirement planner runs Monte Carlo simulations considering Social Security, pensions, savings, and spending. Seeing a 78% probability of maintaining my lifestyle in retirement was both informative and motivating.
Rebrand to Empower is confusing
The name change from Personal Capital to Empower has been poorly communicated. Some features moved, the app name changed, and existing users are confused about what's different.
Fee analyzer found $400/year in fees
The fee analyzer showed exactly how much my 401K funds charge in expense ratios. Switching to lower-cost index funds based on this analysis saves me $400 annually. Powerful free tool.
Cash flow tracking is detailed
The income vs. spending breakdown by category over time is more detailed than Mint ever was. Seeing 12-month trends in every spending category reveals patterns you'd never catch otherwise.
App performance is inconsistent
The app sometimes takes a long time to load, especially when syncing many accounts. Dashboard widgets occasionally show stale data. Performance needs optimization.
Asset allocation visualizations
Seeing my actual asset allocation vs. recommended in a clear chart motivated me to rebalance. The U.S. stocks, international, bonds, alternatives breakdown makes allocation tangible.
The only app showing my full picture
Checking accounts, savings, investments, real estate, mortgage, credit cards, student loans - everything in one dashboard. No other free tool provides this comprehensive a financial view.
Wealth management fees are standard
The advisory service at 0.89% AUM isn't cheap. For the $100K minimum, that's $890/year. Wealthfront charges 0.25%. The human touch is nice but expensive.
Budgeting is weak but financial planning is strong
Don't come to Personal Capital for budgeting - it's basic. Come for investment analysis, retirement planning, and net worth tracking. It excels at the big-picture financial view.
Education center has good content
Articles and tools on topics like tax optimization, asset location, and retirement withdrawal strategies are genuinely educational. Not just marketing - actually useful financial guidance.
Savings rate calculation is useful
Knowing your savings rate (what percentage of income you're saving/investing) is one of the most important financial metrics. Personal Capital calculates and tracks this automatically.
Bank connections drop frequently
My bank and credit card connections need re-authentication more often than in other apps. Some accounts break completely and require removing and re-adding. Frustrating data reliability.
Watching net worth grow is motivating
The net worth chart showing growth from $50K to $250K over three years is the most motivating financial visual I've ever seen. Tangible proof that saving and investing works.
Investment performance benchmarking
Comparing my portfolio's performance against benchmarks (S&P 500, total market) shows whether my strategy is working. Most people don't track this but it's essential for informed investing.
Not great on mobile
The desktop web experience is far superior to the mobile app. Complex charts and data tables are cramped on a phone screen. I use mobile for quick checks and desktop for analysis.
Financial advisor was helpful
Did take the free financial review call and the advisor provided genuinely useful insights about my 401K allocation and tax strategy. No hard sell, just good advice. Impressed.
Consolidation is the killer feature
Having 15 financial accounts visible in one dashboard eliminated the mental load of tracking everything separately. Financial clarity through consolidation is Personal Capital's true value.
Showing 1-20 of 12,847 reviews
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Last updated: April 2026