Personal Capital showed a completed transaction that went through my checking account earlier that day, but Mint didnât show it. I wouldn’t say that I love it, but its purpose is to help me track my spending and provide a clean view of all of my accounts. unfortunately PC doesn’t link with my 401K AON account … this is too bad as I have 25% of my NetWorth there. I updated to the new version but much to my chagrin no improvement (lesson learned. Wow, you totally didn’t cover the 2nd most important thing to me which is, “What do they do with your information?” You are giving them an enormous amount of personal information, are they doing anything to monetize it, give it away, keep it secure? With Mint you can change transaction dates when needed (for budgeting alignment). Plus right now Personal Capital has a great deal going on for readers: You can get a FREE portfolio review valued at $799. Maybe when I start investing more I’ll utilize Personal Capital though. Nor does it interface with TurboTax like Quicken does. Mint is a stronger budgeting app and Personal Capital is a better investment tracker. All products are presented without warranty. Verdict on budgeting â Mint is the obvious winner, Both Personal Capital and Mint let you link any investment accounts. Both are free tools, but Personal Capital is ad free because they make money by offering high-level investment services and wealth management tools for high net worth individuals. Honestly I haven’t tried that one out yet. I have both. From our testing, Mint's synchronization is not as reliable when compared to Personal Capital. For customer service â Personal Capital wins. It is a shame because the rest of the service is outstanding. I use my HSA as an stealth retirement account, but Personal Capital can’t seem to find it. Investor Junkie strives to keep its information accurate and up to date. No thanks to PC. I did reach out to them once about it and they indicated that they don’t support HSAs, and it seems like they haven’t added that functionality yet. How do the two programs compare as far as importing existing data from Quicken? Larry Ludwig was the founder and editor in chief of Investor Junkie. Thanks for sharing your thoughts! We will focus on the follo… I thought you could have gone into more detail on that, but at least you covered it. I have issues with people using that information to personally contact me like that. Larry, this is a great article. Both Mint and Personal Capital have a feature to alert you on upcoming bills. Personal Capital users have not reported any issues reaching customer service or resolving issues. Don’t think PC does. I plan to smoke test it in the next few days. This makes Personal Finance (PC) worthless for budgeting. Would be great if you can take a look and offer your assessment. I became complacent that I am “in a good place” for someone my age and was more likely to splurge on things I didn’t need. I’ve been a long time Mint user (probably since 2008 or so) and the continuing syncing problems became the main reason I’m switching to Personal Capital. The point of money tracking apps is to make it easy to see everything in one place. Big time Mint Man… Haven’t tried out personal capital. I started with Mint years and years ago, when it was first becoming popular and have had it ever since. But every time I've contacted Personal Capital, I've gotten a quick response (less than 24 hours) to my questions. 13 Best Delivery Apps to Work For â Make $200/Day? Oooh, the second I read this headline I thought, “It’s on!” For me personally I prefer Personal Capital. As I'm sure you can guess, Mint.com uses Intuit's synchronization service. Support has not always been useful as sometimes they made me delete an account and re add it losing valuable history but they have ALWAYS responded where as Personal Capital has been AWOL to all of my support requests. But it’s quick attempt to find out everything about me before I could find anything about it was a put-off for me. Personal Capital, of course, makes their money off of their paid advisor service. Looks like a startup but I really like their approach as they use Yodlee as well but instead of building a ton of custom software, they work with Google Sheets/Excel instead. I then delved into the cloud apps out there. This is a no brainer, but ideally, you have more coming in so youâre not running on a deficit. Mint offers Chat, but itâs more of an email supported help, and Iâve never found it incredibly helpful or fast. The financial tools Personal Capital … Mint sets a budget for you based on your spending habits, but you can build one on your own that helps you work towards your financial goals. The account linking, while comprehensive was a bit cumbersome as it took a few tries to find the “correct” link due to the many choices (Fidelity for example). Personal Capital I check about once a week to get a snapshot of my networth and the graphs of how our investments are doing. Thanks, Mintâs goal is to give you an overview of your finances by offering a variety of personal finance tools, like: They also offer investment tracking and goal setting tools, but they arenât as robust as what Personal Capital offers. Here are a few highlights of budgeting with Mint: Personal Capitalâs budgeting functionality is tied to your cash flow. Yeah it definitely seems that Mint is better at categorizing transactions. Most money tracking tools have a pretty similar sign-up process, and Personal Capital and Mint are no different. Is there anyone out there who’s successfully linked up an HSA with Personal Capital before? I like to see all my spending transactions as they come in and I make sure everything is categorized properly. But for my banking it’s pretty good so I can dump Quicken. Unlike Quicken, there's no local software to install, and you can access the service with any web browser or mobile device. After youâve created your account, youâll need to start linking your financial accounts. Glad you liked the post. I am looking for an alternative to quicken due to their recent 145% increase in pricing with annual support. If you already have an account with any other Intuit products like Quicken and TurboTax, you can use the same account when signing up for Mint. However, from our testing, Mint catches many more bill alerts and accurately reports bills that are coming due. I’ve actually deleted and recreated my account multiple times to recreate portfolios as either Personal Capital support has never responded to my support questions although PC sales rep called me over 15 times last year. So I mostly use Mint for this one feature. Much smoother operation, ease of account linking and relatively successful syncing. Mint vs. But your reporting of non-support doesn’t match my one day of experience using Mint. Thank you for the update. Question for the experienced Mint users out there. How Blogging Helped My Wife Retire Before 30, Why Early Retirement Isnât My Goal (and Shouldnât Be Yours Either), 50/30/20 Budgeting Rule: What It Is & How It Works, 12 Free Budget Templates to Get Your Money Under Control. Bobby Hoyt is a former band director who paid off $40,000 of student loan debt in 18 months on his teaching salary and then left his job to run Millennial Money Man full-time. Hi Larry – been following your post with interest. Mint is a great option if you want a free budgeting app that tracks your transaction but you don’t need to see them immediately. That causes me to waste time adjusting where as Mint you can set certain purchases to always come in a a certain category. Investor Junkie is a financial publisher that does not offer any personal financial advice or advocate the purchase or sale of any security or investment for any specific individual. I have been a DIY investment “manager” most of the last decade plus for my wife and I, so I am not sure if I would use the paid adviser service. The good news is that you can go back and recategorize transactions with each money tracking tool. PC will pester you more to get you to sign up for their asset allocation service. If you need to take a break from linking accounts during the sign-up process or forget about something, itâs a little easier to pick back up with Personal Capital. An old review, but good info. When I had a recent issue with syncing with Vanguard accounts, the folks at Mint told me it must be because I or Vanguard made some kind of change to the account information (neither, as far as I can tell). Your request is responded to quickly, usually within 24 hours. Categories in Personal Capital are NOW customizable. It does not allow you to adjust that value. Therefore, you can use … I was a disgruntled Quicken 2016 user when it suddenly became unstable and unable to sync my accounts. Much like Personal Capital, Mint is an aggregator for your entire financial life. Mint will also notify you via email of a pending bill. tried using mint and some accounts it wont add and I verified the account information. And I know at least in October of last year, my HSA at Fidelity never appeared in my dashboard, even though other Fidelity accounts did appear. 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