Personal Capital vs Mint for Net Worth Tracking 2026: The Full Breakdown
What if I told you that one of the two apps you're comparing right now has been dead for over two years? Yeah. If you're researching Personal Capital vs Mint for net worth tracking 2026, here's the deal: Mint doesn't exist anymore. Intuit killed it in March 2024 and shoved everyone into Credit Karma. And Personal Capital? It quietly rebranded to Empower Personal Dashboard back in 2023.
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So why on earth compare two tools when one of them is six feet under?
Because people still type both names into Google every single day. Millions of former Mint users are hunting for a replacement, and honestly, the "Mint vs Personal Capital" question is really a question about which philosophy of money tracking fits your brain. Budgeting-first (that was Mint's whole personality) or wealth-and-investment-first (Personal Capital's DNA). That distinction didn't die just because a brand did.
This comparison is for anyone who loved Mint's dashboard, anyone eyeing Personal Capital/Empower for portfolio tracking, and anyone staring at their finances wondering where the data should even live now. I've bounced between both for years. Here's the systematic breakdown — tables, metrics, honest calls, the works.
Quick Verdict: Personal Capital vs Mint for Net Worth Tracking 2026
Here's the headline for anyone comparing Personal Capital vs Mint for net worth tracking 2026 while waiting for their coffee to brew: Personal Capital (now Empower) wins, mostly by default. It's free, it's still breathing, and its net worth engine was always the stronger one anyway. Mint is discontinued — its so-called successor is Credit Karma, which is somehow worse at net worth than Mint ever was.
If net worth and investments are your priority, go with Try Empower. If pure budgeting was the reason you loved Mint, look — don't settle for Credit Karma. Check out Monarch or YNAB instead.
But let's not just hand-wave and call it a day. Let's actually compare these things.
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Quick Comparison Table
| Factor | Personal Capital (Empower) | Mint (Discontinued) |
|---|---|---|
| Status in 2026 | Active, fully supported | Shut down March 2024 → Credit Karma |
| Core focus | Net worth + investment tracking | Budgeting + spending categories |
| Price | Free (dashboard) | Was free (ad-supported) |
| Net worth tracking | Excellent — automatic, real-time | Good, but basic |
| Investment analysis | Best-in-class (fee analyzer, allocation) | Minimal |
| Budgeting tools | Weak-to-moderate | Strong (its main strength) |
| Account aggregation | 15,000+ institutions | Was ~16,000 (now defunct) |
| Mobile app rating | ~4.7 iOS / ~4.3 Android | N/A (delisted) |
| Credit score | No | Yes (was a headline feature) |
| Human advisors | Yes (paid, 0.49–0.89% AUM) | No |
| Best for | Investors, high-net-worth trackers | Budgeters (RIP) |
Quick note on the numbers: pricing and institution counts are approximate and they shift around. Empower's advisory fees, for instance, tier down as your managed balance climbs. More on that in a sec.
Personal Capital (Empower) Overview
Personal Capital launched in 2009, got scooped up by Empower Retirement in 2020, and rebranded the app to "Empower Personal Dashboard" in 2023. Almost nobody calls it that. I'll stick with Personal Capital too, for everyone's sanity.
What it does well: net worth tracking, full stop. You link every account — checking, savings, brokerage, 401(k), mortgage, even that random crypto wallet you forgot about — and it builds a live net worth chart that updates as balances move. The investment side is where it flexes. The Fee Analyzer scans your funds for hidden expense ratios (mine flagged a fund quietly eating 0.71% a year — that's roughly $710 a year on a $100K position, which made me a little sick). The Investment Checkup tool grades your asset allocation against a target.
Key features:
- Real-time net worth dashboard with historical trends
- Retirement Planner with Monte Carlo simulations
- Fee Analyzer and Investment Checkup
- Cash flow and spending snapshots (lighter than Mint's)
- Optional paid wealth management with human advisors
Best for: people whose money story is mostly about assets — investments, retirement accounts, property. If your net worth is scattered across five brokerages, this is your tool, no contest.
Pricing: The dashboard is free. Genuinely free — no ads, no upsell walls beyond the occasional advisor call. The catch? If you've got $100K+ in linked assets, expect a phone call from a real human trying to manage your money. The paid advisory service runs roughly 0.89% of assets under management, dropping to about 0.49% for balances north of $10 million. But you don't need to pay a single cent to use the tracking tools.
Want to try the free dashboard? Here's the link: Try Empower.
Mint Overview
Mint was the OG. Launched in 2007, bought by Intuit in 2009, and for over a decade it was the free budgeting app — we're talking north of 20 million registered users at its peak. Then Intuit pulled the plug in March 2024 and told everyone to migrate to Credit Karma (also an Intuit property, funny how that works).
Here's the thing though — Credit Karma isn't a real replacement. Not even close. It shows account balances and credit scores, sure, but it dropped Mint's budgeting engine, custom categories, and bill tracking. So when we talk about Mint in 2026, we're basically writing an obituary with a few lessons scribbled in the margins.
What Mint did well (past tense, sadly):
- Automatic transaction categorization
- Custom budgets with alerts when you blew past a limit
- Free credit score monitoring
- Bill reminders and due-date tracking
- A clean, beginner-friendly dashboard
Best for (historically): budgeters. People living paycheck to paycheck who needed to see exactly where every dollar ran off to. Mint's net worth tracking existed, but honestly it was an afterthought bolted onto a budgeting app.
Pricing: Free, ad-supported. Intuit made its money selling you credit cards and loans. That business model, ironically, is a big part of why it got swallowed by Credit Karma in the first place.
If you're chasing the old Mint experience, don't waste time on the defunct app. Check the alternatives: Try Credit Karma. And seriously, take a hard look at Monarch Money — it's where a huge chunk of Mint refugees ended up landing.
Feature-by-Feature Comparison
Okay, now the systematic part. Let's grade both across seven areas and stop being polite about it.
User Interface & Ease of Use
Mint won this one, always. Its dashboard was famously friendly — color-coded categories, big-number summaries, zero learning curve. You could genuinely onboard your grandma in about ten minutes.
Personal Capital, by contrast, feels like a fighter-jet cockpit. Charts everywhere, allocation wheels, retirement projections. Gorgeous? Absolutely. Dense? Also yes. First-timers sometimes open it and immediately feel a little lost.
Winner: Mint (for simplicity), Personal Capital (for depth). Depends what you actually care about.
Core Features (Net Worth Tracking)
This is the whole ballgame for our keyword. Personal Capital was built around net worth from day one. Its historical net worth chart, asset-vs-liability breakdown, and account drill-downs are cleaner and way more granular. Mint tracked net worth too — but it treated it as a single number, not an analysis tool.
| Net Worth Feature | Personal Capital | Mint |
|---|---|---|
| Real-time updates | ✅ | ✅ |
| Historical trend chart | ✅ Detailed | ⚠️ Basic |
| Asset allocation view | ✅ | ❌ |
| Investment-level detail | ✅ | ⚠️ Limited |
| Liability breakdown | ✅ | ✅ |
Winner: Personal Capital, decisively.
Integrations
Both connected to thousands of banks and brokerages (in the 15,000–16,000 range) via aggregators like Yodlee and Plaid. Coverage was roughly a wash when both were alive. Where Personal Capital pulled ahead: investment accounts — 401(k)s, HSAs, private holdings — noticeably better. Mint, meanwhile, occasionally choked on brokerage sync and left you refreshing like a maniac.
Winner: Personal Capital (for investment accounts), tie on banks.
Pricing & Value
Both free. But "free" means very different things here. Mint sold ad space and your attention to the highest bidder. Personal Capital "sells" you eventually via advisory upsells — that $100K+ sales call is real, and some users find it genuinely pushy.
Value per dollar? Personal Capital hands you institutional-grade tools for zero cost, which is kind of wild when you sit with it. Honestly, my hot take: it's the best free financial software that exists, and it's not close. Fun fact — the Fee Analyzer alone has probably saved users more in expense ratios than most paid apps cost.
Winner: Personal Capital.
Customer Support
Mint's support was thin — forums, help articles, and email that moved at the speed of a glacier. Being free and ad-supported, let's be real, you were never the priority.
Personal Capital offers actual phone support, and paid advisory clients get dedicated human advisors. Even free-tier users report faster responses, which is a nice surprise.
Winner: Personal Capital.
Mobile App
Mint's app was polished and genuinely beloved (before it got delisted). Personal Capital's app holds its own too — around 4.7 stars on iOS, a bit lower on Android at roughly 4.3, where sync complaints tend to pile up. Both absolutely nailed the "check your net worth from bed at 11pm" use case, which, let's admit, is what we all actually do.
Winner: Slight edge to Mint historically, but it's moot now.
Security & Compliance
Both used bank-level encryption (AES-256), read-only account access, and multi-factor authentication. Neither stores your banking credentials directly — aggregation happens through tokenized connections. Personal Capital, being tied to Empower (a massive retirement custodian managing over a trillion dollars), arguably carries more institutional security weight behind it.
Winner: Roughly tied, slight edge to Personal Capital on institutional backing.
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Pros and Cons
Personal Capital (Empower)
| Pros | Cons |
|---|---|
| Best-in-class net worth tracking | Weak budgeting tools |
| Free, no ads | Sales calls if you hold $100K+ |
| Excellent investment analysis | Steeper learning curve |
| Human advisors available | No credit score feature |
| Still fully operational in 2026 | Android app slightly buggy |
Mint (Discontinued)
| Pros | Cons |
|---|---|
| Was the best budgeting UI | Shut down — no longer exists |
| Free credit score | Migration to Credit Karma stripped features |
| Beginner-friendly | Ad-heavy |
| Great categorization | Weak net worth/investment depth |
Who Should Choose Personal Capital?
Pick Personal Capital if:
- Your net worth lives mostly in investments and retirement accounts.
- You want to catch hidden fund fees quietly eating your returns.
- You're planning for retirement and want Monte Carlo projections.
- You want a free tool that's actually still running in 2026 (low bar, but here we are).
- You don't mind ignoring the occasional advisor pitch.
A colleague of mine with six-figure brokerage balances swears by it. The Fee Analyzer alone paid for itself — well, it's free, so you get the idea.
Who Should Choose Mint?
Nobody can choose Mint now — it's gone, buried, done. But if you were a Mint loyalist, here's your move:
- If budgeting was your thing: go to Monarch Money or YNAB. Not Credit Karma. I can't stress this enough.
- If credit scores mattered: Credit Karma still does that well, and for free.
- If net worth is your new priority: honestly, just head to Personal Capital.
The Mint archetype — the disciplined budgeter with 40 custom categories — is served better elsewhere in 2026. That's the blunt truth, and I'd rather tell you than watch you waste a weekend on a dead app.
Verdict: Personal Capital vs Mint for Net Worth Tracking 2026
So, final call on Personal Capital vs Mint for net worth tracking 2026: it's Personal Capital, and it's not particularly close. One tool is alive, free, and purpose-built for tracking wealth across every account you own. The other got discontinued and replaced by something that does net worth worse than the original. Rough.
If you came here hoping to resurrect your old Mint setup, I genuinely get it — that dashboard was comforting. But the smart move is forward, not back. For net worth and investment tracking specifically, Personal Capital (Empower) is the clear pick: Try Empower. For budgeting-first refugees, Monarch or YNAB are waiting.
The "Mint vs Personal Capital" debate is over. Circumstances settled it for us. But the underlying question — do I optimize for budgeting or for wealth tracking? — still deserves an honest answer from you. Pick the tool that matches how your money actually behaves, not how you wish it did.
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FAQ
Is Mint still available in 2026? Nope. Intuit shut it down in March 2024 and pushed users to Credit Karma, which is a downgrade for tracking.
Did Personal Capital change its name? Yes. It became "Empower Personal Dashboard" in 2023 after Empower Retirement acquired it. The tools are exactly the same (and still free) — just a new label on the box. Most people, myself included, still call it Personal Capital purely out of habit.
Which is better for net worth tracking, Personal Capital or Mint? Personal Capital, easily. It was built around net worth and investment analysis, with real-time charts, allocation views, and a fee analyzer, while Mint treated net worth as a single afterthought number. Oh, and Mint doesn't exist anymore, so it's a bit of a walkover.
Is Personal Capital really free? Yes — the dashboard and all tracking tools are free with zero ads. Empower makes its money from the optional paid wealth-management service (roughly 0.49–0.89% of assets managed). You'll get a sales call if you've got $100K+ in linked assets, but you never have to pay a dime to use the tracker itself.
What's the best Mint alternative for budgeting? Monarch Money and YNAB are the top two for former Mint users who take budgeting seriously.
Is my financial data safe with these apps? Both used bank-level AES-256 encryption, read-only access, and multi-factor authentication, so the fundamentals are solid. Personal Capital, backed by Empower (a trillion-dollar-plus custodian), carries serious institutional security weight. No aggregator is ever 100% risk-free — but the basics here are as strong as it gets in this category.