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YouNeedABudget vs Personal Capital

YouNeedABudget is an excellent budgeting app without extra bells and whistles. How does it compare to Personal Capital? Read our comparison chart below.

 YouNeedABudgetPersonal Capital
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YouNeedABudget

Personal Capital

SPECIAL OFFER
Try YNAB Free for 34 Days - Learn More

Read YouNeedABudget Review

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Get Started with Personal Capital - Learn More

Read Personal Capital Review

 

Benefits and Features

Annual Fee 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 
$100,000
Phone Support 
Yes
Live Chat Support 
No
Email Support 
Yes
Human Advisors 
Yes
Robo Advisor 
Assets Under Management 
$11.6 Billion
Tax Loss Harvesting 
Yes
Goal Tracker 
Yes
Automatic Deposits 
Yes
Online Platform 
Yes
iPhone App 
Yes
Android App 
Yes
Single Stock Diversification 
Yes
Fractional Shares 
No
Taxable Accounts 
Yes
401k Plans 
Yes
IRA Accounts 
Yes
Roth IRA Accounts 
Yes
SEP IRA Accounts 
Yes
Trust Accounts 
Yes
529 Plans 
Yes
 

CreditDonkey® Reviews

 YouNeedABudgetPersonal Capital
Price
Goal Tracker
Customer Service
Budgeting
Investment Tracking
Retirement Planning
Human Advisors
Robo Advisor
Ease of Use
Pros & ConsPros:
  • Teach you how to budget
  • Create and fund goals
  • Large help center
Cons:
  • Expensive annual fee
  • Poor investment and retirement tracking
  • No auto sync
Pros:
  • Retirement planner
  • Free portfolio advice
  • Robo plus human advisors
Cons:
  • $100,000 min for advisory service
  • Higher fees than competitors
Bottom LineExcellent budgeting app without extra bells and whistles... Read full reviewFree advanced tools plus hybrid advisory service for people with over $100k in investments... Read full review
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Personal Capital: Pricing information from published website as of 04/30/2020

Which is Better: YouNeedABudget or Personal Capital?

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

In short: YouNeedABudget's budgeting is excellent. Personal Capital's price, customer service, investment tracking, and retirement planning are outstanding.


Articles on YouNeedABudget


Articles on Personal Capital


Which Do You Think is Best?

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