Finance

Personal Capital

Comprehensive personal finance platform with wealth management and financial planning tools.

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4.6/10 Why this score?

How the 4.6 was reached

Quality of output3/10
Trustpilot 1.2/5 for Empower, down from 3.5+; NerdWallet's 4.1/5 shows a wide gap between experts and users. Source: fincomparelab.com
Ease of use7/10
Free dashboard for net worth and retirement planning; only vendor evidence, and no independent usability reports. Source: personalcapital.com
Pricing value7/10
Free tracking tools; advisory costs 0.89% with a $100k minimum, which is typical for the category. Source: kubera.com
API and integration quality2/10
No API or integrations found on the pages checked or by search. Source: empower.com
Solves the problem it claims to solve4/10
Advisory is gated at $100k and $1M minimums; users report dashboard failures, account-linking problems and neglect of free tools since the acquisition. Source: fincomparelab.com

4.6/10 is the average of the five criterion scores above. The evidence comes from 4 different sources.Scores come from public evidence (the tool's own pages and documentation, and independent reviews); we do not test every tool hands-on. Scored 29 September 2026, on version 1 of our five-criteria scoring method.

Pricing

Free

$0/mo

Net worth tracking
Investment analysis
Fee analyzer
Financial dashboard

Wealth Management

Custom

Personal advisor
Portfolio management
Financial planning
Tax optimization

For the full list of what each plan includes, and current prices, see kubera.com.

Key Features

Net worth tracking and analysis
Investment portfolio management
Retirement planning tools
Fee analyzer for investment accounts
Cash flow monitoring

Pros & Cons

Pros

Comprehensive financial dashboard
Professional wealth management services
Strong investment tracking capabilities
Detailed fee analysis tools

Cons

Wealth management requires high minimums
Limited budgeting features compared to dedicated apps
Can be overwhelming for simple users
Acquired by Empower which may affect future development

Verdict

Personal Capital offers a free dashboard for net worth and retirement planning, which suits casual trackers. Advisory is gated by high minimums, and users report dashboard failures, linking problems and neglected free tools since the acquisition.

Added to scored.tools on May 12, 2026

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