Personal Capital

Category: 

Description of App: 

Personal Capital is the smart way to track and manage your financial life. We combine award-winning online financial tools that provide unprecedented transparency into your finances with personal attention from licensed financial planners. The result is a complete transformation in the way you understand, manage and grow your net worth. THE MODERN WAY TO TRACK AND MANAGE YOUR NET WORTH Our unique combination of people and technology makes Personal Capital the smart choice because you can see all of your accounts in one place. Our dashboard provides real-time data that uncovers trends and accurately reflects your cash flow. And as fiduciaries, our advisors are legally bound to act in your best interest so we will never put our personal financial gain above yours. Let Personal Capital help ensure that you’re always moving towards your financial goals – at significantly less cost than traditional financial advisors, and with no hidden fees. PERSONAL CAPITAL: MILLIONS OF PEOPLE. BILLIONS IN ASSETS. “2014 & 2015 CNBC Disruptor 50 List” – CNBC "Best 5 Free Apps to Invest Smarter" – CNN “Time Magazine's 50 Best Websites” – Time “Best Online Tool to Track Your Investments” – Forbes "App Store Staff Pick" – iTunes "Editors’ Choice" – Macworld “One of the top Registered Investment Advisors (RIA) in America” - The Financial Times “Minimal account connection hassles, detailed financial information, and the option to speak directly with a financial advisor make Personal Capital the best free finance tracking app available.” – Macworld SIGNUP FOR FREE With the free Personal Capital app, you can easily and quickly link your accounts. We integrate with over 14,000 financial data sources, including Fidelity, Schwab, Wells Fargo and thousands of local and regional credit unions. You can be up and running in about a minute for a 360° view of your financial life. PERSONAL CAPITAL FOR APPLE WATCH Set a spending target and track it on the go Review new transactions INTERACTIVE CASH FLOW TOOLS Create and follow a budget See if you’re spending more than you’re making Monitor credit card balances See detailed income and spending by category or payee Drill down into a category to see transaction details Review transactions in the last 24 hours with the Recent Transactions Today extension TRACK YOUR INVESTMENTS What’s the market doing? And how is it affecting your assets? Track the numbers by account, asset class or individual security. Compare your portfolio against major market benchmarks and stay on track to meet your investing goals. Install the Holdings Today extension to track daily market and individual holdings movement. PERSONALIZED INVESTMENT ADVICE Personal Capital advisors are licensed financial advisors who provide customized advice tailored specifically to your goals. BUILT-IN INVESTMENT INTELLIGENCE With Investment Checkup, you can compare your portfolio’s allocation to the ideal target allocation and see how well your investments are doing. Uncover opportunities for diversification, minimize risk, and pinpoint hidden fees to fine-tune and improve performance. UNCOVER HIDDEN FEES Is your portfolio working as hard as it could be? The Allocation Checkup feature could save you thousands on expensive mutual fund fees. PLAN FOR THE FUTURE Get a quick retirement plan based on your actual financial data Easily add future goals like a home purchase, remodel, college spending, vacations See the impact of your future goals on your overall financial health BANK-LEVEL SECURITY You can use the Personal Capital app with confidence. Our two-step remote authentication process builds in an extra measure of security to verify your identity and your device, so you can manage your money and finances knowing your data is safe.

Apple Watch Support: 

Yes

Version: 

5.8.2

Free or Paid: 

Free

Device(s) App Was Tested On: 

iPhone
iPad

iOS Version: 

10.2

Accessibility Comments: 

This app has a lot to offer in the financial management arena. I've found everything from transaction review and categorization to reviewing investment performance working well with VoiceOver. The app has a particularly handy feature for reviewing holdings. When you select holdings from the app's menu, you are given a screen that shows you what is called "You index" and then several standard investment benchmarks. Selecting one of those benchmarks, then shows you a comparison of your investments to that benchmark for the selected period. Each day in the period is one item using VoiceOver where the name of the item contains a percentage for your index and the benchmark based on percent increase or decrease from the start of the period in review. One hint is that for any of the areas of the app that are showing financial data, use the More Options item to change the date range. The default in most cases is 30 days but you can change to other options such as 90 days, this year or last year. While this app works very well with VoiceOver, one issue i've had at various times, is when adding a new account for the first time. It seems that entering characters in the password field is not always sending them to the password edit box. When this happens, I add the account from the www.personalcapital.com web site. I also find the Check Up option easier to read with VoiceOver on an iPad.

VoiceOver Performance: 

VoiceOver reads all page elements.

Button Labeling: 

All buttons are clearly labeled.

Usability: 

The app is fully accessible with VoiceOver and is easy to navigate and use.

Other Comments: 

To take full advantage of this app, you are going to want to link your various financial accounts. See my note in the accessibility comments about sometimes needing to do that from the web site as a one time setup item. That said, I've been using this app with excellent success for more than a year now. Also be aware, that while this app is free, Personal Capital does offer investment advisory services for a fee if that's of interest. You do not have to use those services to use this app though and this has become one of my Go To iOS aps for financial matters.

Developer's Twitter Username: 

@PersonalCapital