Personal Capital Budgeting App Review

Budgeting apps are convenient in that most automatically sync to you bank accounts and credit cards so that you can easily track your cash inflow and outflow.

If you have money in the markets, however, you likely aren’t able to extensively analyze your investments in the same app you use to keep an eye on your everyday spending.

The Personal Capital budgeting app is one exception that has advanced tools for all your financial planning. Out of a dozen-plus apps that CNBC Select compared when rating the best budgeting apps of 2021, Personal Capital stood out for being the best app for investors.

In addition to being a basic budgeting app, Personal Capital acts as an investment tool that links to your bank accounts and credit cards, as well as IRAs, 401(k)s, mortgages and loans. Its money-tracking dashboard makes it easy to see an overall view of all your personal finances in one place.

Below, we review the Personal Capital budgeting app to give you all the details on its features, including the tools, perks, safety, pricing, availability and ratings so you can decide if it is the right app for managing your money.

Personal Capital budgeting app review

Personal Capital

Information about Personal Capital has been collected independently by CNBC and has not been reviewed or provided by Personal Capital prior to publication.

  • Cost

    App is free, but users have option to add investment management services for 0.89% of their money (for accounts under $1 million)

  • Standout features

    A budgeting app and investment tool that tracks both your spending and your wealth

  • Categorizes your expenses

    Yes, but users can customize

  • Links to accounts

    Yes, bank and credit cards, as well as IRAs, 401(k)s, mortgages and loans

  • Availability

    Offered in both the App Store (for iOS) and on Google Play (for Android)

  • Security features

    Data encryption, fraud protection and strong user authentication


  • Free to use
  • Includes money-tracking dashboard, plus a net-worth tracker as well as a breakdown of your investment portfolio
  • Offers free investing tools, such as a retirement planner, education planner and fee analyzer to check portfolio fees
  • Syncs to your bank accounts
  • Offers Daily Capital blog for financial planning tips
  • Security features…