Empower Personal Dashboard™

This app consolidated all of my accounts including different fund companies, brokerage accounts, 403 retirement accounts,401 accounts from my wife and my work companies, our trust accounts, several bank accounts and hard assets as well. Our loans and credit card accounts are available at a glance too. It has the SEP Roth and IRAs all noted and totaled in one easy to view layout. It helps keep track of a budget with categories (customizable) for monthly year to date and specified time periods. I can tell with an encrypted sign just where I stand. The planning feature for education and retirement plans is great and easy to use and modify for different scenarios. Asset allocation as well as major holdings are easily identified. My cash flow is easily followed all year long with the budget module. The use of the app is free and gives one a very in depth financial snapshot at a glance. Personal Capital also offers a financial planner if one doesn’t want to go it alone. The advisor assigned works hard to put your interests first for your own good Fiduciary rep. Vs the company or their own enrichment. You will love the app especially once you realize the value received from it.

After 23 years of using Quicken, yesterday I said goodbye. Instead, after thorough online research, I signed up for the FREE Personal Capital service, which I can’t rate high enough for the ease with which I could add a large number of banking, investment and credit card accounts to my Personal Capital account, and the incredibly user-friendly interface and seamless aggregation of all of our financial accounts and data. The state of the art security features built-in to Personal Capital were the clincher for me. Quicken’s subscription model for a product that is buggy and has not kept up with the times (no viable IOS product offering, an inferior Quicken for Mac product, etc.) is no longer acceptable to me. I absolutely love the way it is so easy to keep completely up to date with our finances through the Personal Capital program, and how there is instantaneous syncing of the data in the desktop and IOS Personal Capital apps. While I will lose some functionality that was offered by my Quicken for Windows product, that is more than made up by the many advantages offered by Personal Capital. I highly recommend Personal Capital.

I have tried numerous personal finance applications, and settled on Mint for the longest time; only because my financial institutions weren't available through those other apps. Then I heard about Personal Capital and thought I'd give it a try, and so far so great! It syncs with my credit unions which is rare, and MUCH appreciated. I can link my investment accounts and get professional advice. After using other apps, I have to say that they seem more geared towards children. Mint is a little more robust, but Personal Capital seems to have it all. It's made for us grown-ups, and gives you all the tools necessary to manage your finances and help improve your financial well being. Not to be understated, is the fact that they have apps for phones, tablets and desktop interfaces. Most other apps only offer phone apps which can be annoying to interface with unless you're just checking something quick while on the go. Mint does have all 3 as well, I just don't like their implementation of the interface as much and the tools they offer. Keep up the great work, and hopefully a year from now I'll still feel as good as I do now.

Love the app! My main reason for writing this review is to provide suggestions to developers to make the app even better than it already is. I will change my rating to 5 stars once I know that my comments have been acknowledged by the developer. love how you can categorize each transaction to keep track of your spending as well as set a monthly budget. However, currently there is no way to set a monthly budget for certain spending categories (e.g. you can set a total monthly budget of $2,500, but you can’t set separate category budgets for rent, restaurants, groceries, shopping, auto/transportation, etc.) It would also be helpful to be able to add budgets on a year-by-year basis in addition to month by month. For example, you want to set a travel budget of $6,000 per year but it wouldn’t make sense to just add $500 dollars to your monthly budget because you do most of your traveling at certain times of the year. Also, sometimes the app misclassifies account credits as debits, not sure what’s going on there. Overall far superior app than most of the other ones out there!

The key feature to app, the feature making it virtually indispensable, is it’s ability to aggregate financial data from multiple accounts. It is simply not possible to effectively manage your finances without seeing all your holdings - different banks, credit cards, and multiple brokerage firms - in one place. The truth is these data are already stored in the cloud; what this app does is automatically merge the data and provided a complete breakdown of the composite holdings, fees and risk. Many brokerage firms do similar analysis but only if you pay for it or have large sums of money on deposit. The interface is spectacular... but, there are a few features that could be improved. For example, the ability to set arbitrary targets for some holdings. Thus, if you are not interested in “alternative investments” you really need to ignore the advice provided. In short, the app would be better if it helped you achieve your your goals nots its goals. Still it is free. You will probably get some call trying to sell you services - but the caller are not overly aggressive. Bottom line. It’s a far better app than any brokerage firm provides today.