Worthy vs Personal Capital
The Personal Capital alternative without the sales calls
Worthy
$16.99
One-time purchase. Free for up to 5 assets.
Personal Capital
Free
with aggressive upselling
What Personal Capital is, honestly
Personal Capital (now Empower) offers free net worth tracking, but the real product is their wealth management service. Expect constant calls from financial advisors. Worthy gives you the tracking without the sales pitch.
Where Personal Capital wins
Real strengths, no hedging.
Investment fee analyzer
Retirement planner
Wealth management services
Where Worthy wins
Also no hedging.
100% offline & private
No bank connection required
No sales calls or emails
Side by side
| Feature | Worthy | Personal Capital |
|---|---|---|
| One-time purchase (no subscription) | Free (but upselling) | |
| 100% offline & private | ||
| No bank connection required | ||
| No sales calls or emails | ||
| Net worth tracking | ||
| Asset & liability tracking | ||
| Investment fee analyzer | ||
| Retirement planner | ||
| Wealth management services |
Which one is for you
Choose Worthy if
- You want your net worth kept current without linking your bank
- You want your financial data to stay on your device
- You prefer a one-time purchase to a subscription
Choose Personal Capital if
- You need investment fee analyzer
- You need retirement planner
- You need wealth management services
Switching from Personal Capital
- 1
Note your current balances
You only need today's numbers to start: each account, investment, property and debt.
- 2
Add them to Worthy once
Stocks, ETFs and crypto update their prices automatically, mortgages amortize on schedule and savings accrue interest, so most numbers stay current without any bank connection.
- 3
Backfill the history you care about
Add past values month by month on the history timeline, so your net worth chart shows the journey you were on before you switched.
Personal Capital vs Worthy FAQ
Why does Personal Capital call me so much?
Personal Capital's free tools exist to identify potential wealth management clients. Once you link accounts showing $100k+ in investable assets, you become a sales target. Worthy never contacts you because we don't have your data.
Is Personal Capital really free?
The tracking tools are free, but you're the product. Personal Capital monetizes by converting users to their wealth management service (0.49%-0.89% annual fees on assets). Worthy is a simple one-time purchase with no upselling.
Does Worthy have Personal Capital's retirement planner?
No, Worthy focuses on net worth tracking only. If you need detailed retirement projections, Personal Capital does that well - but be prepared for the sales calls that come with it.
Can I track investments in Worthy like Personal Capital?
Yes! Worthy tracks all your investments including stocks, bonds, crypto, and retirement accounts. You can get automatic price updates without linking any accounts - just enter your holdings manually.