In fact, you can upgrade to a paid account (Mint only offers free accounts) to have direct access to a financial advisor to help you manage your investments through a hybrid robo-advisor platform. For dealing with budgets and spending, Mint is the stronger app. Since Mint is, first and foremost, a tool for budgeting, it should come as no surprise that they beat out Personal Capital when it comes to helping you build and manage a budget. Personal Capital’s focus leans more heavily toward investing. While they have a handful of great free resources for planning retirement and managing finances, they also offer advising and financial planning services to those with at least $100,000. Betterment vs. Wealthfront vs. But which one should you use? If you’re struggling with how to build a budget or simply want to automate the process a little bit more, Mint is perfect for you. Mint also lets you set specific spending limits for each category. Similarly, if you’re looking for an easier way to keep track of your bills and avoid late payments, Mint’s bill alerts system can be a lifesaver. The âwinnerâ really depends on what your goals are. Primarily by recommending ways to save on loans, investments, insurance, and credit cards. We wonât have to compare costs as there arenât any! While Personal Capital also has a tool to track your spending, you can’t set limits for specific categories. For this Personal Capital vs Mint comparison, we’re focusing on Personal Capital’s free tools, since Mint is also a free service. The answer to this question is simple: management fees. Quicken.Quicken's Starter Edition does not include investing, but it's Premier Edition does. In the Personal Capital vs Mint competition, both services offer a great set of tools completely free. Read our comparison chart below. Our articles, tools, and analysis contain information and data to help you conduct research but are not intended to serve as investment advice. Personal Capital offers two services, a paid version that acts more like a robo-advisor for clients with over $200K in investment assets and a free one that can be used by anyone. Personal Capital vs. Mint: The Verdict. It also provides up-to-date portfolio values, and tracks cost basis and capital gains. Both Mint and Personal Capital offer a feed with all of your transactions from linked accounts. Personal Capital has been much more consistent and needs far fewer manual updates and corrections to keep my data flowing in correctly. Unless you have at least $100,000 to invest through Personal Capital, you will have to find a different robo-advisor, such as Betterment. They are an entirely free service that offers tools for budgeting, as well as reminders for upcoming bills and a credit score tracker. If you need help with investments, Personal Capital is far superior. He contributed to InvestmentZen as an financial product analyst from 2016-2017. Are You Missing Opportunities To Save Thousands In Order To Save Pennies? So, let’s talk about where each can outperform the other to get a feel for their relative strengths and weaknesses. You can see all your money in one place. Both attempt to categorize those transactions to help you better manage your money, but Mint does a much better job with its budgeting feature. Itâs a solid choice for those new to investing. The fee ranges from 0.89% to 0.49%, depending on how much is in your account. Mint’s layout is a little more intuitive, but the app is constantly riddled with connection errors, bugs, duplicate accounts, and other issues. Separately and together, they help millions of users manage trillions of dollars worth of assets each year. 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