Betterment vs Personal Capital

Betterment is a great robo-advisor for beginners with low fees, good tools, and tax strategies. How does it compare to Personal Capital? Read our comparison chart below.

Betterment offers automatic investing starting at an annual fee of 0.25% of your account balance. There is no fee to open an account and no minimum deposit required. All balances get automatic rebalancing, tax loss harvesting, and access to financial experts.

While Personal Capital offers free advanced financial tools and paid wealth management services.

Compare Betterment with Personal Capital, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

	Betterment	Personal Capital


	SPECIAL OFFER Get up to 1 Year Managed Free - Learn More Read Betterment Review	SPECIAL OFFER Free Money Management Tools - Learn More Read Personal Capital Review
	Benefits and Features
Savings
Annual Fee	0.25% for accounts under $100,000 0.40% for accounts $100,000+	0.89% for first $1 million, 0.79% for first $3 million, next $2 million 0.69%, next $5 million, 0.59%, and 0.49% over $10 million
Minimum Deposit	$0	$100,000
Checking	No-Fee Checking
Phone Support	Yes	Yes
Live Chat Support	No	No
Email Support	Yes	Yes
Human Advisors	Yes ($100k minimum)	Yes
Robo Advisor
Assets Under Management	$14 Billion	$23 Billion
Tax Loss Harvesting	Yes	Yes
Goal Tracker	Yes	Yes
Automatic Deposits	Yes	Yes
Online Platform	Yes	Yes
iPhone App	Yes	Yes
Android App	Yes	Yes
Mobile App	Yes
Single Stock Diversification	No	Yes
Fractional Shares	Yes	No
Taxable Accounts	Yes	Yes
401k Plans	Yes	Yes
IRA Accounts	Yes	Yes
Roth IRA Accounts	Yes	Yes
SEP IRA Accounts	Yes	Yes
Trust Accounts	Yes	Yes
529 Plans	No	Yes
	CreditDonkey® Reviews

Annual Fee
Minimum Deposit
Human Advisors
Customer Service
Robo Advisor
Price
Goal Tracker
Budgeting
Ease of Use
Investment Tracking
Retirement Planning
Pros & Cons	Pros: No minimum investment Customized portfolios Automatically invest extra funds Cons: Limited investment options High fees for large investors	Pros: Retirement planner Free portfolio advice Robo plus human advisors Cons: $100,000 min for advisory service Higher fees than competitors
Bottom Line	Great robo-advisor for beginners with low fees, good tools, and tax strategies... Read full review	Free advanced tools plus hybrid advisory service for people with over $100k in investments... Read full review

	Get up to 1 Year Managed Free Get 1 Month Managed Free Get 6 Months Managed Free	Free Money Management Tools Join Personal Capital For Free Fee Analyzer
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. Betterment: Pricing information from published website as of 04/04/2018 Personal Capital: Pricing information from published website as of 04/30/2020 Personal Capital: Personal Capital Advisors Corporation (“PCAC”) compensates CreditDonkey Inc (“Company”) for new leads. (“Company”) is not an investment client of PCAC.

Get up to 1 Year Managed Free

Get Started

New Betterment customers only. Accounts must be funded within 45 days of signup. Terms apply.

Get 1 Month Managed Free

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Deposit $15,000 - $99,999 within 45 days and get 1 month managed free

Get 6 Months Managed Free

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Deposit $100,000 - $249,999 within 45 days and get 6 months managed free

Free Money Management Tools

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Join Personal Capital For Free

Fee Analyzer

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Which is Better: Betterment or Personal Capital?

Still need help deciding which investing is better? Read the in-depth reviews below. You may also be interested in comparing Betterment or Ally Invest.

In short: Personal Capital's human advisors and customer service are outstanding.

Articles on Betterment

Betterment Review

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Betterment Fees

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Is Betterment Safe

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