Personal Capital Features: A Comprehensive Guide


Personal Capital is a financial technology company that helps people manage their money. The company provides a platform that allows users to track their investments, monitor their spending, and plan for retirement. With its comprehensive set of features, Personal Capital has become a popular tool for people who want to take control of their finances.

Account Aggregation

One of the key features of Personal Capital is its account aggregation service. This service allows users to link all of their financial accounts, including bank accounts, investment accounts, and credit cards, in one place. With this feature, users can get a complete view of their financial situation and track their spending across all their accounts.

Investment Analysis

Personal Capital also provides a comprehensive investment analysis tool. This tool allows users to track the performance of their investment portfolio and get recommendations on how to optimize their investments. The tool also allows users to compare their portfolio to various benchmarks and see how their investments are performing relative to the market.

Budgeting Tools

Personal Capital has several budgeting tools that can help users manage their spending. The platform automatically categorizes transactions and provides users with a breakdown of their spending by category. Users can also set up a budget and track their progress towards their financial goals.

Retirement Planning

Personal Capital has a retirement planning tool that can help users plan for their future. The tool takes into account a user’s current financial situation, including their income, expenses, and investments, and provides recommendations on how much they should be saving for retirement. The tool also allows users to model different scenarios and see how changes to their retirement plan can impact their financial future.

Tax Optimization

Personal Capital also offers tax optimization services. The platform can help users minimize their tax liability by optimizing their investment portfolio and taking advantage of tax-loss harvesting opportunities. The platform also provides users with a tax-related dashboard that shows them how much they are paying in taxes and where they can make changes to reduce their tax bill.


Personal Capital takes security very seriously. The platform uses bank-level security measures to protect users’ financial information. Two-factor authentication is required for all logins, and users can set up alerts for any unusual account activity. Personal Capital also provides users with a detailed security dashboard that shows them how their accounts are being protected.

Mobile App

Personal Capital has a mobile app that allows users to access their accounts on the go. The app provides all the same features as the desktop platform, including account aggregation, investment analysis, budgeting tools, retirement planning, and tax optimization. The app also has a user-friendly interface that makes it easy to manage your finances from your phone or tablet.

Customer Service

Personal Capital has a dedicated customer service team that can help users with any questions or issues they may have. The company offers phone and email support, as well as an extensive knowledge base on its website. Personal Capital also provides users with a designated financial advisor who can offer personalized advice and guidance.


Personal Capital offers a comprehensive set of features that can help users manage their finances and plan for their future. Whether you’re looking to track your spending, optimize your investments, or plan for retirement, Personal Capital has a tool that can help. With its user-friendly interface and top-notch security measures, Personal Capital is a great choice for anyone who wants to take control of their finances.