Personal Capital vs. Mint: A Comprehensive Comparison (2024)

Which finance platform should you use — Personal Capital or Mint?

This is a common question because both companies offer popular online finance tools.

At a glance, they seem similar. Both Personal Capital and Mint provide secure, cloud-based financial tools for linking and viewing all your financial accounts in one location, at no cost to you.

But each offers distinct features for managing your money. Here’s a side-by-side comparison of Personal Capital and Mint.

Basic Overview of Personal Capital and Mint

What is Personal Capital?

Personal Capital is a digital wealth management company that provides:

• Investment advisory services for a fixed fee
• Secure, online financial tools for anyone, at no cost

For this comparison, we’ll be talking about Personal Capital’s free online tools for your big-picture financial planning. This includes long-term goals like retirement, college savings, or homebuying. The online tools allow you to analyze your investments, uncover hidden fees, and ensure you’re on track toward your goals.

Personal Capital’s most differentiated functionality is in tracking and analyzing investments. CNBC Select recently named Personal Capital the Best Budgeting App for Investors.

“Budgeting apps are convenient in that most automatically sync to your 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.”

— CNBC Select

All of this is free.