Personal Capital Review 2018: How Does It Stack Up?


Personal Capital Review 2018

Our Full Personal Capital Review 2019 

Personal Capital is an online finance service/app that allows you to track your finances. A few weeks ago we covered their $20 sign-up bonus and I’ll admit that is what got me to sign-up. Eventually though I began to really like the service so I thought I would bring you this full Personal Capital review.

Signing Up & $20 Free

Personal Capital is completely free, however they do have premium investment services that they will hope you try. Signing up doesn’t obligate you to anything. If you sign-up with my referral link then you will get a $20 Amazon gift card. Here is how it works.

1. Sign-up here

2. Answer any required questions. They do ask about your goals, etc. but most of the questions can be skipped.

3. Link an investment account to your profile. Note that simply linking a bank account won’t work to trigger the $20 credit. Only an investment account will work.

If you do all of the above, you should receive a $20 Amazon code via email within 24 hours. When I signed up it took about 12 hours to receive the code and I linked my investment account right away.

Personal Capital Review 2019

While I have yet to link every single account to Personal Capital, I have linked a Vanguard retirement account. They really have a lot of great info at your disposal. I particularly like their dashboard.

Personal Capital Review 2018

The dashboard allows you to quickly see your cashflow, how much you need to save and what your “net worth” is. Right now since I don’t have all of my accounts linked, it only shows a partial picture, but if I had all of my bank accounts, etc. this would be a very accurate number.

As you can see above, Personal Capital also has a Budgeting screen where it tracks spending on credit cards. Once again, I haven’t used this but I can see it being a very useful tool to see when you are spending more in certain categories.

The You Index

One of my favorite features of Personal Capital has to be The You Index. Basically they track how much my portfolio goes up and down. It obviously shows this information when you login, but they also fill you in once a week via email.

Personal Capital Review 2018

I don’t love receiving an email showing a losing week, but it’s nice to see how my holdings are comparing to other markets.

Financial Planning

So why is Personal Capital doing this all for free? They want you sign-up for their investment services. This is something I won’t do and it doesn’t bother me, but be aware of that. Occasionally I receive an email asking if I want to schedule a call. To date they haven’t called me. (Although others have reported being called often.) I suppose you could give a fake phone number just in case, but an occasional email is fine with me.

Mint vs. Personal Capital

This is probably more personal preference than anything, but I like Personal Capital better than Mint. I think the interface is nicer, although both probably do the same stuff. Personal Capital makes it quicker to link accounts, seems to just work better and I really like their mobile app.

Personal Capital Review – Conclusion

What started as a way for me to get a free $20 (a deal I think most should do considering how easy it is) turned into me finding a tool I really like. Now that I have a feel for Personal Capital, I am going to link some more accounts so I can better track my finances.

If you’re interested, sign-up here and link and investment account to get the $20 Amazon code. 

The responses below are not provided or commissioned by any advertiser or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by any advertiser. It is not any advertiser's responsibility to ensure all posts and/or questions are answered.


  1. Warning: These guys will call after you start an account, and they will keep calling even if you close it.

    Also, never got my 20 dollar credit

    • Interesting. Did you link an investment account and not just a regular bank account? I know at least a dozen people who only did a bank account but then later added an investment account and got the credit. I’ll add more of a warning to the post, since for some reason I haven’t been called, but I want people to be aware of it.

  2. I got mine, as did my wife 🙂 I have received a call and a text, but they have not been too persistent at all.

  3. I have been using this for about 3+ years. Its a financial gold mind of information… And if you use this with PRISM…. You just found your dynamic DUO to monitoring bills and investments.

  4. i have sign up for 2 weeks and link my bank 2 account never see my amazon $20 giftcard.sent a complaint to personal capital.never get answer.too bad

  5. Aren’t you afraid of getting hacked? I worry about that with all of my investment accounts and bank accounts, so I try to check them all at least monthly. Never had financial accounts hacked, but having just one password for all accounts certainly would increase the risk.

  6. I signed up 3 days ago linked bank and investment account but have not received any $20 credit or any calls. Looks like they do not have a customer service email.


Please enter your comment!
Please enter your name here