>Although you can access the Personal Capital application from any location, we currently only support U.S based financial institutions (currency, USD) for linking accounts. Note that for security reasons, you will need a valid U.S. phone number to sign up for Personal Capital.
They want your phone number because their "advisors" blow up your phone every month or two trying to get you to use their financial services (which I'll never do). They also like telling me in the UI that I'm "not putting enough of my money" to work or some BS, just cause I like having a little nest egg.
That being said, it's a massively useful tool. I'll gladly let my Pixel spam filter their calls every couple months in return for being able to track my net worth and investments so easily.
I can confirm they will blow up your phone. I went through with their sales pitch once (didn't buy) and afterwards they stopped calling.
I use it in addition to Mint actually. Mint for tracking spending and PC for macro view, like net worth/investments. I recommend Personal Capital for this as well.
Personal Capital is good, however, 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.
To me it's still worth that annoyance. The only thing I use it for is balancing my portfolio across ~8ish different brokerage accounts.
Came here to say this. I use both and Personal Capital works better for investments than Mint and Mint for other things. I am still not satisfied with Mint Budgeting and I am currently trying YNAB. Mint sync with banks works better than all and YNAB is not intuitive to use (at least for me) . Maybe I am not the right demographic.
The Mint trends let you look at net worth and income over time... what makes Personal Capital so much better for looking at net worth progress? Genuinely curious because I might switch over if there's actual differentiation.
The biggest problem I had with Mint and investment accounts was that they were flaky, and always had some type of issue connecting. Personal Capital on the other hand works flawlessly with them. Conversely Mint seems to always work with other things like credit cards, while I run into issues on PC sometimes.
Could you say what's good about it for you? Like task-management software, I think the "money management" category hides a lot of variation in how people think about and do things. The right product for one person is definitely the wrong product for another.
I switched because Personal Capital has much nicer UI and tools for understanding your investments. As my income increased over my career I found that budgeting was becoming the least complex part of my financial life compared to managing retirement, brokerage, stock grants, etc. funds.
I agree on PC being much better in tracking investments and performance especially as net worth increases compared to mint. I have also found it to be more solid connection wise vs. Mint over the last year where mint has really gone downhill for me for some reasonwith many unresolved issues, whereas the PC support tickets I filed were resolved rather promptly. Not all is great, categorization and tagging of transaction is terrible, and you can't have sub categories, so if you need that, you need to use something else, which is not great.
I've been using it for about 4 years now. Best money management system I've used in a long time