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Top 10 Financial Management Solutions That Are Comparable To Personal Capital

One of the most popular financial apps is Personal Capital. It has a lot of features to help users track their finances and investments. A variety of useful services for cash, personal finance, and wealth management can be found in this mobile app. It helps users gain more control over their finances and make better decisions with their money.

This is one of my favorite financial apps due to the number of services it offers. The customer service team is incredibly helpful and responsive, which is an added bonus, and it’s clear that a great deal of effort has gone into making this app the best it can be. While Personal Capital is great, there are other similar apps on the market you can use to link to your favorite financial institutions. It’s easy to stay on top of your finances with these apps.

Let’s take a closer look at some leading Personal Capital alternatives to help you pick the best solution for your unique needs.

10 Best Personal Capital Alternatives for Financial Management

Here are the best alternatives to Personal Capital that you can use today:

  1. Betterment
  2. Mint
  3. Quicken
  4. Wealthfront
  5. You Need a Budget (YNAB)
  6. Tiller Money
  7. Google Sheets
  8. Excel
  9. Prism
  10. PocketGuard

1. Betterment

  • Best For: Investment Management

Betterment is a leading personal finance app. Betterment supports investment tracking. You can set custom investing and savings goals with the Betterment app. It has resources to help you reach your goals.

Betterment allows you to check balances on the fly and make deposits and transfers from one account to another. You know your money is kept safe at all times because it’s incredibly secure.

Betterment offers a free pricing model with access to a no-fee checking account and Visa debit card, as well as ATM fee reimbursement and FDIC insurance. Betterment offers a premium package with access to financial advisors and personalized advice for a low annual fee. It has a high-yield cash account with a variable 0.10% APY, along with advice and planning tools.

The free version of Betterment also has paid plans that charge annual fees of 0.25 and 0.40%.

2. Quicken

  • Best For: Desktop Software

Over 30 years of experience has made Quicken one of the most trusted names in money management. Consumers can take control of their financial lives with a variety of helpful tools and services. You can perform a variety of tasks from a single dashboard. You can use the dashboard to make informed decisions about your finances.

You can manage spending, view bills, track investments, and set personal finance goals from one area. If you want to stay on top of your financial goals, managing your finances is easier than ever. The company offers several paid options.

The Mobile Companion app is one of the two mobile apps that can be used with the desktop service. Users can monitor and manage their finances on the go with these two apps.

All the extra noise is cut out by YNAB. It has a straightforward approach to budgeting that is easy to understand. This app is worth looking into if you want to focus on budgeting.

You can budget with a friend, housemate, or family member with the educational resources and shared budgeting component of YNAB.

The app makes it easy to see progress with simple charts and graphics. It is a great tool for anyone looking to track their progress in an organized way. If you pay in one lump sum, the YNAB app is free. You can try out the app for free before committing to a purchase.

YNAB can pay for itself over the year if you use it to save effectively, even though some users may find it hard to justify paying that much for a budgeting app. There is a free trial to test out the product before you make a commitment.

If you’re interested in YNAB, my advice is to try the Learn More:

4. Mint

  • Best For: Free Mobile App

As a free mobile app with great functionality, Mint packs a real punch. It is easy to manage personal finances on the platform. It can help you reach your financial goals.

You can use a free budgeting tool with Mint. Mint allows you to set financial goals. Free credit score reporting is not something you will find with Personal Capital. It is easy to keep track of your credit score with this feature.

Mint has a portfolio and investment tracking service that can help you stay on top of your accounts.

The hidden fee tracker is one of my favorite features. The hidden fee tracker has graphs and charts that can help you understand where your money is going.

5. Wealthfront

  • Best For: Building Wealth

Wealthfront is a nice option if you prefer a hands-off approach to investing and saving money.

If you want to handle asset allocation or build an investment portfolio, you can use the app. No matter which route you choose, the app will help you make the most of your investments.

The app will automatically manage your account once you have set up a portfolio. If you prefer, you can manually manage your portfolio. A robo-advisor strategically moves funds around to maximize earnings and reduce risk. Ensuring that your investments remain tailored to your individual goals and risk tolerance is helped by this process.

Wealthfront also offers a cash account that you can use to pay bills, withdraw money from ATMs, and quickly invest extra cash. On deposited funds, the Wealthfront cash account earns a competitive interest rate.

Wealthfront charges an annual fee of 0.25 for all assets under management, and the fee is deducted monthly. There are no fees for opening or closing an account. On average monthly balances of at least $100,000, there is a monthly advisory fee of $20.55.

There are no fees for the Wealthfront Cash Account. You don’t have to worry about minimum balances or overdrawn funds in this account. There are additional fees for the Wealthfront card. The Wealthfront card can be used at any ATM in the US. To know what you are getting into, read the fine print. Before signing a contract, it is important to understand the terms and conditions.

6. Tiller Money

  • Best For: Tracking Finances

Tiller Money makes it easy to view and track all your various accounts from one place.

The app has automatic daily updates. All users can easily understand the data presented in a user-friendly format. The app will pull the latest spending, transactions, and balances from your linked financial services if you connect your accounts to Tiller. You’ll be able to easily monitor your finances with the data Tiller provides.

Tracking net worth, paying off debt, investing, and budgeting can be done with custom templates. It is easy to get started with managing your finances with these custom templates.

The cost of Tiller Money is $65 per month or $79 per year. You can try it out for 30 days before committing to a subscription. The company is currently offering a free 30-day trial, so you don’t have to worry about forking over any money to try it.

7. Google Sheets

  • Best For: Free Spreadsheet Service

Google Sheets is the go-to solution if you’re a A user of the internet search engine prefers spreadsheet-style budgeting. This type of budgeting is easy to use and track, making it a great choice for those who are new to budgeting or those who need a simple solution.

If you have the time and dedication to keep up with daily updates, you should only use Google Sheets. It requires frequent maintenance to ensure accuracy, but it is an excellent tool for tracking and managing data. budgeting can take a long time. It allows you to gain a better understanding of your finances in the long run. You could make mistakes. It’s important to take a step back and assess the situation before making any decisions, as you could find yourself feeling overwhelmed and uncertain about what to do next.

BudgetSheet is an add-on that can link to your bank account and pull live transaction data. BudgetSheet can help you save time and money by keeping your budget up to date. It’s much easier to accomplish your financial goals if you reduce manual work. If you automate your finances, you can save time and energy while taking advantage of the opportunities that come with improved accuracy.

8. Excel

  • Best For: Paid Spreadsheet Service

Excel is another powerful spreadsheet option and a top Google Sheets alternative.

If you want to pay a monthly subscription to Microsoft Office, you can do so for $69.99 a year. It is included in the Microsoft Office Suite, which includes Word, PowerPoint and Outlook.

9. Prism

  • Best For: Bill Payment

Prism makes it easy to stay on top of monthly bills, bringing everything together into one central location. If you are looking for a platform that makes it easy for you to stay on top of bills, this could be a good option. It is easy to set up and use, making it a great choice for anyone who wants to manage their finances with ease.

Invoices are tracked and sent reminders about due dates. Users can easily create and manage budgets so they can stay on top of their finances. You can see your income, account balances, and monthly expenses on a dashboard. You can set up budgeting goals and track your progress towards them.

If you are on a tight budget, Prism is an excellent choice because it is free to download and use. It’s perfect for people of all skill levels.

10. PocketGuard

  • Best For: Reducing Spending

PocketGuard provides an excellent way to avoid overspending on items you don’t need — like entertainment, travel, and clothes.

You can see how much disposable income you have after setting aside funds for necessities with this app. It helps you create a budget and track your spending to make sure you stay within it.

You can use the debt payoff service from PocketGuard to set up a payment strategy and stick to a schedule. You can save money on interest payments by using this payment strategy. The platform links to banks, credit cards, loans, and investments, giving you a bird’s-eye view of your financial situation.

There are three pricing options, including $7.99 per month, $79.99 per year, and $99.99 for a lifetime membership. Regardless of which option you choose, you’re getting a great value for your money. I recommend splurging on a lifetime membership to save money if you like the service.

Is Personal Capital a Good Personal Finance App?

Now that you have a better understanding of the various options available for mobile finance management, let’s take a deeper dive into the Personal Capital app to see how it compares.

Notably, Personal Capital launched in 2009 and the company has raised $265.3 million in total funding since then. The Personal Finance app has 2 million registered users, which shows they are doing something right. Since its launch, the Personal Finance app has seen a steady increase in users.

Personal Capital Financial Services

Cash management tools, free personal finance tools, and premium wealth management plans are offered by the app.

  • Personal Capital customers can access Personal Capital Cash, which supports direct deposit for paychecks and unlimited monthly transfers. The security of FDIC insurance is offered by Personal Capital Cash. You can use the service to pay bills and withdraw up to $100,000 per day. It allows you to quickly and easily transfer money between accounts, ensuring that your funds are safe and secure. Personal Capital Cash is accessible through a mobile app. It’s a great option for earning more on your savings because of the high-yield interest rate.
  • Free Financial Tools: Personal Capital also has free tools to help you track and manage finances. You can use the free tools to create a budget, track investments, and get insights into your financial health. Net worth tracker, savings planner, retirement planner, investment checkup, and fee analyzer are some of the tools included. You can use the tools available to make the most of your finances.
  • If you want to grow your wealth without paying management fees, look into Personal Capital’s wealth management and investment services. Wealth management services can help you create a diversified portfolio that meets your long-term financial goals while also providing personalized guidance from experienced advisors. Wealth management provides access to dedicated financial advisors who can help you navigate real estate, stock options, and other investments. If you take advantage of wealth management services, you can feel confident that your financial decisions are based on reliable advice and experience. The Private Client service is for customers with over $1 million in investment assets.
  • Personal Capital also offers socially responsible investing and 401(k) management, enabling you to reach your retirement goals while supporting organizations that share your values. You can invest in a way that is both financially and socially responsible with the help of Personal Capital.

Frequently Asked Questions

Is there something better than Personal Capital?

Personal Capital is my personal finance app. It has a lot of helpful features that make it easier to manage my finances. Betterment and Mint are close alternatives. Betterment and Mint offer unique features that make them a better choice for you than the other, so it’s worth taking the time to research both options before making a decision.

Is Personal Capital free?

Personal Capital does not charge anything to download or sign up. Financial tools and resources from Personal Capital can help you manage your finances. Pricing depends on the services you use. It’s important to research different service providers to make sure you’re getting the best deal. Fees are not required to use Personal Cash or financial tools. With Personal Cash, you can easily manage your finances and make the most of your money. The company does not charge for its services.

Is the Personal Capital app safe?

Your personal financial data is kept secure with the Personal Capital app. Multi-factor authentication is used to make sure your data is kept safe. Multiple layers of security are used by the company to safeguard personal information. The layers of security are constantly monitored.

You don’t have to worry about using the Personal Capital app. It can help you keep track of your finances and make better decisions with your money. The company has an excellent reputation and millions of customers trust it. The customer service team is dedicated to providing the best possible experience for their customers.

Is Personal Capital better than Mint?

Cash flow monitoring is offered by Personal Capital and Mint. Cash flow monitoring is one of the services offered by Personal Capital and Mint. Mint gives you the ability to create budgets, provides recommendations for ways to save money, and provides free credit monitoring. Personal Capital has a great retirement tracker, but there are no ads on the platform. budgeting, investment analysis, and more are some of the tools Personal Capital has to offer. Both Personal Capital and Mint offer a range of free tools to help manage personal finances. Regardless of which service you choose, these tools can help you track your spending and save money. You should try both and see which one you like better. It’s up to you to decide which path is the best one to take, so give each option a fair chance before making a decision.

Who owns Personal Capital?

The company is called Personal Capital. Great-West Lifeco’s subsidiary, Empower Retirement, owns it. Personal Capital was purchased by Empower Retirement. Financial advisors and investors alike are expected to benefit from the acquisition of Personal Capital by Empower Retirement.

The Bottom Line

There are many apps on the market that can help with financial planning. It’s easier than ever to stay on top of your finances with these apps. Personal Capital offers a variety of management tools that you can use to reach your financial goals. With the help of these apps, you can create a budget and track your progress over time, allowing you to better plan for the future and achieve financial

Financial apps can only take you so far. It’s important to remember that personal finance is still a very individualized process and that no app can replace professional financial advice. If you want to grab hold of your financial life and start making real progress, you need to focus on building discipline and forming solid financial habits. Setting up a budget can help you create long-term financial success. A budgeting app or income tracker won’t be able to control spending for you at the end of the day. It can help you make better spending decisions. Only you can.

It is great if you decide to use mobile apps for financial management. You will be able to keep track of your finances. It will still require some effort and responsibility on your part. You will be able to handle it with ease if you take the time to understand what is expected of you.

You will be on your way to financial freedom when you use the right financial tools and maintain discipline. You can stay focused on your journey towards financial success if you set achievable financial goals.

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