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 Get Started with Personal Capital - Learn More Read Personal Capital Review
	Benefits and Features
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
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	$11.6 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 Many 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	Get Started with Personal Capital Join Personal Capital For Free Learn more about the Personal Capital Difference
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

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 Returns

Betterment has low fees and is good for beginners. But what about their returns? Let's take a look at this robo-advisor's performance.

Betterment Fees

Betterment offers no minimum deposit and good returns. But are the fees worth it? Read on to learn about this robo-advisor's costs.

Is Betterment Safe

Betterment offers low fees, no minimum balance and good returns. But is it a good idea? Find out if it's safe to invest your money with this robo-advisor.

Betterment Ira

Is Betterment a good way to invest for retirement? What about the fees and withdrawals? Read on to learn how Betterment's Roth IRA account works.

Betterment vs Wealthfront

Betterment and Wealthfront are two of the oldest and most popular robo-advisors. Is there a difference? Which is better for you? Read on to find out.

Articles on Personal Capital

Personal Capital

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Is Personal Capital Safe

Personal Capital offers free budgeting tools. But is it safe to link all your financial accounts? Learn just how secure Personal Capital is.

Personal Capital vs Quicken

Quicken is the oldest name in personal finance software, while Personal Capital is newer and offers advanced tools for free. Read on to see if it's a good alternative to Quicken.