Worthy vs Personal Capital

The Personal Capital alternative without the sales calls

One-time purchase 100% private No bank connection

Worthy

$16.99

one-time

vs
Personal Capital

Free

with aggressive upselling

Feature comparison

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

Why users leave Personal Capital

Common frustrations

Constant phone calls and emails from financial advisors

Free tier exists to sell expensive wealth management (0.49%-0.89% AUM fees)

Requires linking all your accounts - major privacy concern

Complex interface designed to upsell premium services

Why choose Worthy

100% Private

Data never leaves your device

One-time

Pay once, own it forever

60-second setup

No bank connections

The bottom line

Choose Worthy if

You want simple, private net worth tracking without subscriptions or bank connections.

Choose Personal Capital if

You need transaction tracking, budgeting, or don't mind the trade-offs of a free service.

Ready to try Worthy?

Download Free

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.

Switch from Personal Capital today

Track your net worth privately, without subscriptions.

$16.99 one-time
  • Unlimited assets & debts
  • Auto stock & crypto prices
  • 100% private, on-device
  • No bank connection
Download Free

30-day money-back guarantee