Then I use Mint for actual finances and net worth type tracking. I also have some money in one of their premier accounts or whatever (computer-managed ETF investing). I just came back to it and it is the exact same. I use mint for budgeting, net worth etc. Is that me, is it a problem with how I inputted the information, or is it a Mint app thing? YNAB plans it in advance. I do the same. Personal The basic features of both platforms are very similar. They waved the monthly fee for me after I think 12 months. Join our community, read the PF Wiki, and get on top of your finances! In my house, we use both Personal Capital and Mint. Both services have good content that is a nice complement to the free services. Features Unique to Personal Capital Personal Capital is the only one of these apps that will manage … The problem is they don't focus much on budgeting, which is Mint.com's strong suit. My new job has a 403c option (? Cool, thanks. Very slick and intuitive charts. I can log on to my 401k or IRA service periodically to check, but I'm not actively trading. The bottom line is Mint wins the battle of best budgeting tool, Personal Capital wins the head-to-head for best investment analysis tool. That's what I do. Investments. It's always 1-2 months behind for my bank accounts and credit cards. I feel exactly the same way - Mint was great when it came out and they were regularly updating it and then Intuit acquired them and... stagnation. From my experience it does seem that Mint gives the best day-to-day user experience. All over the personal finance blogosphere, you read about the virtues of Personal Capital (perhaps mainly because of the generous affiliate link, but also because it looks pretty awesome and comprehensive). Probably has more "offers" than before! Mint tracks spending. Personal Capital allows you to sort and track your money, so you're not sacrificing that Mint option by using Personal Capital. There hasn't been an ounce of innovation on that site in probably three years. I think it's a bit more data intensive, but I will give them both a go again. Last month I spent a lot of time thinking about switching to Personal Capital or YNAB from Mint, but I decided not to. Even if you sign up for an account with Personal Capital and YNAB, adding Mint as a general personal finance dashboard may be helpful. I do however want to monitor and track my expenses and cash outflows daily, which is what Mint is perfect for. The tracking portion has its own occasional bugs and feature gaps like anything else, but I find it to be a great look at how my active investments are doing day-to-day. I logged back in, updated some stuff, and things are going smooth for now. Despite seeing tons of articles comparing the two, Personal Capital and Mint are actually very different programs. History. My only beef is that I can't break out my food/alcohol purchases. I use PC for only investments. Overall, the budgeting features offered by Mint and MoneyPatrol are very useful. I wish I could use one app for my money management needs, and I really tried to go back to using Mint to pay bills, but couldn't do it, ended up going back to Prism. Yep I've been using sigfig (and wikinvest before that) for a couple of years for tracking investments. I couldn’t live without Personal Capital’s investment tracking, net worth, and retirement planning tools, while Mint gives us a nice overview of our spending and has great budgeting capabilities. This platform clearly has the small, upstart investor as its target market. My 401K has been sitting dormant for 3 years. I opened a PC account to see if it would do any better, and it definitely does. An alternative to Mint in the free software space is Personal Capital, which offers similar features to Mint but leans more into trying to up-sell you to various services rather than inundating you with ads. The web version of Mint is always very slow for me, making it a chore to edit transactions. YNAB helps you plan in advance and negotiate your budget when things get off. Well, PC makes their money from their management. Whenever I download Mint onto my phone, the app never updates itself. If you have a big enough portfolio, they want to manage it for you. Why people are switching from Personal Capital to Buxfer Be aware they require a phone number for 2FA and they will call you once every 1-2 years on that phone number to try to sell you their advising services. Hoping that continues! Mint’s budgeting tools are some of the best on the market but as my finances progressed I found I needed less budgeting help and more investment tracking. Each provides budgeting, enabling you to know how and where your money is being spent. Last month I spent a lot of time thinking about switching to Personal Capital or YNAB from Mint, but I decided not to. Any suggestions for something all encompassing? I've been on Mint.com for YEARS and loved it pre-intuit. Wealthfront also offers much lower fees, 0.25% vs. 0.49% on the lowest tier for Personal Capital. These days, I do, but Mint is feeling really clunky to me. However, thanks to its more reliable connections and interface, Personal Capital is the better of the two. If I'm following the general advice of r/personalfinance and bogleheads, I don't need to be tracking my investments daily. I've used Personal Capital and Mint. Really frustrating, particularly since Quicken had a ton of neat stuff (crowsourced smart categorization, for example) that would be very cool in Mint. While both apps earn high marks, Personal Capital edges out Mint because of its more complete service, catering to both users who want to budget smarter and manage investments better. And that was one of the big eye-openers when I signed up for mint.com back in the day. Personal Capital was founded by Bill Harris, Rob Foregger, Louie Gasparini and Paul Bergholm in 2009. I had a Mint.com account years ago and it was awesome. Personal Capital is best for people who want to invest at least $100,000 and are willing to pay a bit more in fees for access to a team of personal financial advisors. Both programs share several fantastic features: Free to Use – Naturally, the first benefit we all look at is that they are both free! Mint also delves into more personal finance topics, whereas Personal Capital is focused more on investing. I now use both. The Personal Capital program we're talking about here today — the personal finance tools — is free. free financial dashboard plus wealth and retirement planning Manage your assets and investments, get objective advice and strategies, all at PersonalCapital.com. Unlike Mint, which focuses a lot on budgeting and where your money has gone, Personal Capital emphasizes investing and saving for retirement. The only changes I've seen are a ton more attempts to sell me other services but no real innovation in terms of functionality. I used to be a mint.com kind of person, but then I wanted to focus more on investing. I've kind of let both those apps go to the wayside, but I'd say Personal Capital was a little better for me. You Need a Budget is my gold standard of financial tracking software packages, but it’s a subscription-based package. I have all of my account in there (including investment accounts and assets), and while it also has plenty of bugs, I guess I've used it so long that I'm used to them or I'm just not bothered enough by it. Personal Capital is better equipped to help you analyze and adjust your investment strategy. Press question mark to learn the rest of the keyboard shortcuts. Take control of your money now with Personal Capital. I can log on to my 401k or IRA service periodically to check, but I'm not actively trading. Do you think I should just stick with one or roll with both programs? If you have a qualifying net worth and want more personal attention and handholding with your investment decisions, Personal Capital is the better choice. They gave me a call, and I was railing on the guy for them giving my very diversified index fund portfolio a D grade in diversification. Their software is free to use, but it is a way to get people in the door. I've yet to anything. Personal Capital vs Mint – What You Get with Both. When I tried to check my asset allocation, for example, it just shows a pie chart with 100% unknown. In some cases, Yodlee screenscrapes an account in order to download the transactions — hence the wider support of accounts by Personal Capital. That said, it can be confusing to decide which one meets your requirements. It can't figure out the ticker for some of the mutual funds in my 401k, so it isn't able to accurately classify for figuring out my asset allocation. Sorry if this is a topic that comes up a lot, I did browse the FAQs and the PFtools subreddit. Press J to jump to the feed. Got pretty fed up with Bank of America stealing my money all the time. Same here, I use both mainly because personal Capital does not work with Simple.com yet, which is my main bank. I'm sorry, this is way off topic but I'm looking for input from a Mint user. Sigh. If you need help with investments, Personal Capital is far superior. Therefore, you can use Mint.com as your budgeting tool and handle all of your investments through Personal Capital. Any suggestions? Here is my head to head review of the mint app and personal capital. You are right there. What should I do? Does anyone else have any experience with said programs and what do you think about them? If you specifically need help with budgeting, Mint is best. Wealthica is basically like Personal Capital… I had endless problems with sigfig not updating correctly. Personal Capital’s free financial dashboard offers a wealth of tools to track your finances. Which app is better Personal Capital or Mint? The name was changed in 2010 and publicly launched on September 9, 2011. It's nice that they finally rolled their bills app into their main app, but I ditched their Bills app for the much better (IMO) Prism app. Sigfig is nice if it can pull accurate info for your investments. Technology has legitimately streamlined our budgeting, spending, and investment practices with a variety of personal finance apps and … So that is a plus for the security-conscious user. I switched to hellowallet back then. YNAB stands for “You Need a Budget.” The company was founded in 2004 by a husband-and-wife team Julie and Jesse. So let's break it down. I think). Depending on which version of Quicken you want to use, you'll have to pony up $34.99 to $99.99 for each year's subscription (discounts are available). YNAB is a small, privately held company that offers personal budgeting software. And, these aren’t just lame freebies either. (Mostly b/c one of my credit unions does not worth with PC). Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning. Personal capital gives you phone calls and tries to sell you stuff all the time. Personal Capital vs Mint vs Quicken vs Money dance vs Countabout are all potential options to help you get a better grip on your personal finances or tidy up your investment portfolios. Part of that has been taking a hard look st our finances and coming up with a budget, as well as trying to streamline everything. A few years ago I was Mint user, used Mint and Mint Bills, ultimately, I didn't care enough about my money to invest the time to recategorize and come up with budgets for everything and stay on top of it. Signed up with Personal Capital and actually prefer their much cleaner interface. Or you can do both and use Quicken. Mint is great for tracking day to day spending and all that, but their investment tools are really lacking. Personal Capital vs. Mint: A Review of My Favorite Alternative to Mint I used Mint for a long time before switching over to Personal Capital. There's also a paid investment management service available if you have a minimum of $100,000. However, Personal Capital leaves something to be desired in the budgeting arena. Personal Capital was formerly known as SafeCorp Financial Corp. I recently discovered personal capital when I wanted something better for tracking investment growth. I was able to quickly identify underexposure to small caps within domestic equities and make a change based on the info. I know behind-the-scenes Personal Capital uses Yodlee. I found Personal Capital and it has been great. It's either groceries or restaurants. They do this by enabling you to link your various EDIT: thanks for everyone's input. If I'm following the general advice of r/personalfinance and bogleheads, I don't need to be tracking my investments daily. The app is much smoother, but still kind of cumbersome to play with due to design/layout, and because Mint doesn't give you much customization (If I could delete the 20 or so categories I never use, the mobile app would probably be a lot easier to navigate). When I first heard of Wealthica, I was quite intrigued.I signed up in 2017 for free, so here is the ultimate Wealthica Review. Mint.com and Credit Karma are two popular personal finance apps that have a few similarities, but a number of key differences. Maybe I have missed some major innovation in personal finance software -- I largely use Mint and home-grown spreadsheets now, and I keep hearing that people use paid tools like YNAB or free complementary-to-the-company's-real-job tools like the Personal Capital suite -- but this all feels like it's worse now. Is Mint still the go-to, or are better options now available. I'm sorry annoying telemarketer guy, wherever you are. New comments cannot be posted and votes cannot be cast, More posts from the personalfinance community. Me and my SO are closing on a house, and since, I've been obsessed with maximizing our productivity. When you compare Personal Capital vs. Mint, they both offer fantastic benefits at no cost to the user. Mint doesn't help you save money, it just shows you how much you spent. Personal Capital also supported accounts in which I had two-factor authentication enabled. They also offer educational resources that help you get a better handle on how you’re spending money so you can identify areas where you can save. Since 2012, Personal Capital has been registered with the U.S. Securities and Exchange Commission (SEC) as an … And let’s not forget Wealthfront has no annual fee for accounts of less than $10,000. We like its budgeting tool because it automatically tracks all … Anyway, I haven't found anything quite as robust as Mint so I still use for it, but I have a hard time believing this is the best option available. I've heard good things about YNAB too. I also check in with creditkarma.com occasionally (in addition to my free annual reports) to keep an eye on my overall credit picture. In the Personal Capital vs Mint competition, both services offer a great set of tools completely free. Personal Capital is an investment platform with limited budgeting or billing capacity, while Mint.com is a budgeting platform with little investment support. It's not quite as polished yet but they seem to be actively developing it. So I mostly use PC, though I wish it had more data like basis, which sigfig does track. With personal bookkeeping software costing anything … Personal Capital's investment advisors have a bad reputation for making spammy phone calls.