Personal Capital vs Mint

Personal Capital vs Mint vs Money Minx: 15 Differences

What’s the difference between Personal Capital vs Mint vs Money Minx? Why did we build Money Minx when there are already net worth calculators, investments tracking tools, and wealth management apps out there?

You might think that all three personal finance platforms are the same since they all have a way to track investments. However, there are a lot of differences between the three. Let’s dig into our roundup of three robust personal finance platforms: Personal Capital vs Mint vs Money Minx.

The differences may surprise you!

Key featurePersonal CapitalMintMoney Minx
Net worth trackingYesLimitedFull features
Asset allocationCurrent onlyNoCurrent & historical
BudgetingLimitedFull featuresNo
Retirement plannerYesNoNo
Linking accountsLimited to banks, investments, loansLimited to banks, investments, loansBanks, investments, loans, cryptocurrencies and more
Manual accountsLimitedNoFull features
RobinHood accessYesNoYes
Multi currencyNoNoYes
Portfolio future forecastNoNoYes
Benchmark to other investorsNoNoYes
Investor communityNoNoYes (free access)
Bank password handlingManges your login infoManages your login infoPartners with a secure third party so it never accesses your login info
Mobile appYesYesNo (in dev)
PricingFree and paidFreePaid


Before we get into the comparison of Personal Capital vs Mint vs Money Minx, let’s take a quick look at each site and summarize what it does.

Personal Capital Logo

What is Personal Capital?

Personal Capital has been around since 2009. It is a digital wealth advisor (paid financial advisor service) that developed a great personal finance app. The company does not consider itself to be a robot advisor, but instead a digital wealth management company. In August 2020, it was acquired by Empower Retirement, a retirement service provider.

Who is Personal Capital for?

For the average investor, Personal Capital is great. You can connect your financial accounts, view your investments and use a full suite of free tools as long as you can deal with the constant sales pitches for its financial advisor services.

How to use Personal Capital?

After signing up for a Personal Account, you connect your banks and institutions to them or add financial accounts using their manual accounts (a bit limited) feature. Once your accounts are added, you will be able to visualize your accounts in various charts and graphs as well as be able to use their retirement planning tools.

How safe is Personal Capital?

Personal Capital uses industry standard encryption, strong internal controls and security best practices to keep your financial accounts safe.

There is an added risk of using Personal Capital in that they handle your username and password in addition to just handling account data.

If you are a client of their financial advisory service, your account will also have money movement capabilities which makes it all the more important that you keep your Personal Capital login safe.

How does Personal Capital make money?

Personal Capital is a digital financial advisor. They make their money once you sign up for their paid service by taking a percentage fee of your invested amount.

Who owns Personal Capital?

Personal Capital was acquired by Empower Retirement in 2020. Empower is owned by Power Financial Corporation who is owned by Power Corporation of Canada.

Intuit Mint Logo

What is Mint?

Mint has been around since 2006, officially launched in 2007 and was bought by Intuit for $170M in 2009. In 2017, Intuit integrated additional services it acquired. Check and Pageonce were rolled into Mint to introduce Mint Bills which was later discontinued in June 2018. Mint’s current focus is on personal finance management with a strong focus on budgeting and spend management.

Who is Mint for?

If you are struggling with your monthly budget and have yet to cross over to thinking more about investing, Mint is the way to go. It is primarily a budgeting and bills management tool. Mint offers free credit scores each month and has a variety of deals on new cards and loans. Note: if you are looking to get a handle on your finances, try to avoid the urge of opening a new credit card every time Mint presents one to you, which is very often.

How to use Mint?

Using Mint is very similar to Personal Capital and Money Mint. You first start by adding your financial accounts, either connected to Banks and Institutions or manually tracked ones. Unfortunately, just like Personal Capital, Mint does not currently support cryptocurrencies.

Once your accounts are in, you can also add your bills into Mint and if you want to track your credit score with them you can answer a few more personal questions and your score will be updated monthly.

Next step is heading over to the budget section and set your monthly budget on each of your spending categories.

How to delete a Mint account?

We did quite a bit of detective work to figure out how to delete a Mint account. You can only do this on their website and not the app.

1. Login to Mint then click on Settings
2. From the sidebar click on Intuit Account
3. Click on Data & Privacy
4. Click on Delete
5. Click on I no longer want my data to be in Mint
6. Click on Continue
7. Confirm you are in the correct account, then click on Continue again
8. Click on the box next to Mint, and click Continue
9. Check the box next to I understand what’ll happen after my data is deleted and I want to send this request. Then click Continue.
10. Enter your Mint password and select Delete this data

You are done.

How does Mint make money?

Mint makes money with affiliate commissions. While using mint and via email you will get offers for new credit cards, loans, insurance and more. If you sign up for any of these or sometimes even just have a conversion with one of the vendors, Mint gets a commission.

Money Minx Logo

What is Money Minx?

Money Minx was started to provide robust tools for the diversified investor. After relentlessly searching for the perfect tool to handle a diversified portfolio, the founder reluctantly went back to manually updating an excel spreadsheet. That was the only tool where he could track, view and manage a portfolio that included multiple currencies, international investments, cryptos along with some alternative investments including crowdfunded real estate and startups. He decided to start Money Minx to solve his own problem and build the tool that he needed for diversified investing.

Who is Money Minx for?

If you have a unique use case, an intricate portfolio of investments and/or financial accounts, need multi currency support, invest in crypto currencies, want to chat with and compare your portfolio with other investors and want full control of your finance, Money Minx is for you.


Let’s take a quick look at our 13 differences, what Mint, Money Minx and Personal Capital offers, and then dive into each one in detail.

Net Worth Tracking – All three tools allow you to see your total net worth after adding your financial accounts. Since Money Minx supports more account types and gives you more control, we are giving the win to Money Minx. Winner: Money Minx

Asset Allocation: This is not well supported by Mint. Personal Capital shows current allocation but limits what can be included. Money Minx shows you current and historical allocation, gives you more control on accounts to add to your allocation, and allows you to compare with other investors. Winner: Money Minx

Budgeting – Mint’s bread and butter. If you are looking for a way to track what you are spending each month, Mint is it. Winner: Mint

Retirement Planning: Personal Capital provides a Monte Carlo simulation of your retirement plan. Mint allows you to set a retirement goal and save towards it. Money Minx is still working on their retirement section. Winner: Personal Capital

Linking of Financial Accounts – Personal Capital and Mint are limited to banks, financial institutions and Zillow. Money Minx links with those too and also integrates with cryptocurrencies and wallets. Winner: Money Minx

Manual Accounts – All three allow you to add manual accounts. Money Minx is the only one that allows you to add positions and transactions for those accounts, classify the accounts and include them in your allocation. Winner: Money Minx

RobinHood Access – If one of your primary investment accounts is Robin Hood, then Mint is out for you as it’s not supported. Personal Capital and Money Minx have full support for Robin Hood. Winner: tie between Personal Capital and Money Minx

Multi Currency – Mint and Personal Capital support USD only. Money Minx supports over 30 currencies. Winner: Money Minx

Crypto Currency – Mint and Personal Capital do not support crypto tracking. Money Minx supports your cryptocurrencies and wallets. Winner: Money Minx

Portfolio Future Forecast – Money Minx allows you to enter annual estimated returns (or pay downs for liabilities) for each account. The returns are used to estimate an accumulated forecasted value of your net worth and portfolio. Neither Personal Capital nor Mint offer these features. Winner: Money Minx

Benchmark to Other Investors  – With Money Minx, you can see how your net worth and allocation compared to other investors using Money Minx. The other two do not offer these features. Winner: Money Minx

Community – There are no official investor communities for Personal Capital or Mint. Money Minx provides a community area within the application itself. Winner: Money Minx

Bank Password Security – Both Mint and Personal Capital handle the username and passwords to your banks on their own. Money Minx uses a secure iframe from Yodlee and Zabo, so Money Minx itself never handles your login credentials. Winner: Money Minx

Mobile App – Mint and Personal Capital have an app available on iOS and Android. Money Minx has a responsive website with a mobile app in development. Winner: tie, Personal Capital with Mint

Pricing – Mint is free but you have to deal with ads. Personal Capital has a free version and a paid version that comes with their financial advisory services. Money Minx is only available with a subscription. Winner: Mint

Feature Differences

Net Worth Calculator

Net Worth Calculator
Money Minx Net Worth Chart

Personal Capital shows your net worth clearly on their dashboard. You can quickly see what your net worth is made of and can see the growth of your net worth through time. You can connect to your banks, institutions, and credit card companies. You can also add other assets that you want to manage the value of manually. With their Zillow integration you can add a US based address and let Personal Capital manage the value of the property for you. For Crypto Currencies, you will have to use manual accounts which have very limited features. 

Mint shows your net worth as part of a calculation but it is not a very prominent number on their dashboard. You have to dig a little bit to see it. It also allows you to add banks, institutions, and credit card companies as well as US real estate via Zillow and car values via KBB. For Crypto Currencies, you will have to use manual accounts which have very limited features. 

The Money Minx main page after login is the Net Worth screen which shows you a break down of your investment accounts, other assets and liabilities.  You can also add your cryptocurrencies and wallets and have full access to manage manual accounts, making the Money Minx Net Worth screen the most comprehensive of the bunch.

Winner: Money Minx

Asset Allocation

Asset Allocation
Money Minx Asset Allocation

Personal Capital will pull all of your investments into an allocation chart for you. From here you can classify different holdings and classify anything that is not classified. Note that you cannot really control which accounts should or should not be added to your classification chart.

Mint does not provide any allocation details.

Money Minx has an entire section dedicated to your asset allocation. In addition to viewing your current allocation, you can view historical allocation charts, you can also compare your chart to other investors. There is also an easy way to export the chart for sharing.

Winner: Money Minx


Mint Budget
Mint Budget

Mint is the clear winner in the budgeting category. This is in fact its primary focus while investing is secondary. On Mint you can set a budget for different spending categories and as time progresses you will see how your budget is progressing for the month.

Personal Capital will track your monthly expenses and allow you to categorize them. This will allow you to see your spending for each category. It does not provide a way for you to add a budget for each category or see how you are doing against each category.

Money Minx has yet to introduce budgeting features although those are coming soon.

Winner: Mint

Retirement Planner

Personal Capital Retirement Planner
Personal Capital Retirement Planner

Personal Capital offers a robust retirement planning tool that uses a Monte Carlo simulation to pull together a retirement scenario for you and different options.

Mint has a way to set goals and set savings aside towards those goals, including a retirement goal. However this does not appear to be an area of focus for Mint.

Money Minx is currently working on a retirement and goals section but nothing is live yet.

Winner: Personal Capital

Linking of Accounts

Personal Capital and Money Minx use Yodlee as an integration partner to pull most US, some Canadian and some European banks, investments, cards and loans. Mint uses their own developed by Intuit.

Personal Capital and Mint also includes an integration with Zillow to get home values (US Only).

Mint includes an integration with KBB for car values.

Money Minx has an additional integration that allows you to sync your cryptocurrencies and wallets and keep their values updated in you portfolio.

Winner: Money Minx, given the ability to add your cryptocurrencies and wallets which in today’s day and age is an asset class that is a part of many portfolios.

Manual Account

Money Minx Manual Accounts
Money Minx Manual Accounts

Manual Accounts are useful to manage assets and liabilities that may not be held in an account, for example a comic book collection, a classic car, baseball cards or anything else of value. Sometimes the Yodlee or Intuit data aggregators do not support a specific institution so you may need to use manual accounts instead. Either way, for a full look at your investments for the sake of investment management, a solid manual accounts process is key.

Personal Capital offers the ability to add manual accounts, but when you do, you are very limited in what you can actually do with the manual account. You can’t see your manual account as part of your asset allocation. You also cannot update the holdings or transactions of such an account.

Mint works very similarly to Personal Capital when it comes to manual accounts. You have very limited functionality.

Money Minx on the other hand opens up the full features of their platform to manual accounts. You can add holdings and transactions. You can add the manual account to your asset allocation. Furthermore, you decide if the manual holding balance should be managed at the account level or the position level and much more.

Winner: Money Minx

RobinHood Access

Mint is currently not connected to Robin Hood. If you have plans to see your Robin Hood investments then Mint is not the right tool for you.

Personal Capital and Money Minx, both can connect to Robin Hood.

Winner: tie between Money Minx and Personal Capital

Multi Currency

Money Minx Multi-currency
Money Minx Multi-currency

Personal Capital does not support multi currencies. Neither does Mint. If you live outside of the US or have investments outside of the US, then both sites will not work well for you.

Mint has a Canadian version of the site which allows you to track and manage your Canadian investments. But that is a separate site, so you can’t combine your US and Canadian portfolios into a single portfolio.

Money Minx was built with the international investor in mind and is also open to users outside of the US. You can set a base currency (home currency) for your account and for each account you add, you can set the currency for that account. Money Minx connects with the European Central bank to pull currency rates each day and show you your investments in the account’s currency or your home base currency. It’s the most robust tracking tool on the market for multi-currency investment management.

Winner: Money Minx

Crypto Currency Support

Money Minx Cryptocurrency
Money Minx Cryptocurrency

No cryptocurrencies with Personal Capital or Mint. You will have to use their manual accounts feature to track these assets and manage them on your own.

Money Minx handles your cryptocurrencies and wallets just like your other investments. You can connect your wallet provider (such as Gemini, Binance, Coinbase and others) and it will pull your balances, holdings and transactions each day. Money Minx keeps your crypto portfolio up to date for you.

Winner: Money Minx

Portfolio Future Forecast

Money Minx Portfolio Projections
Money Minx Portfolio Projections

Neither Personal Capital nor Mint offer a projections features. Personal Capital does provide a very robust retirement planning tool. See the retirement planning section for more details on that.

With Money Minx, for each account that you add, you can set an estimated return. That return is used to create a monthly, quarterly and annual forecast for each account. The magic happens when you see the forecast of the accumulate values across your entire portfolio. Think you will hit your big goal next year? Plug in your numbers and you will find out.

Winner: Money Minx

Benchmark to Other Investors

Money Minx Benchmark to Other Investors
Money Minx Benchmark to Other Investors

No peer benchmarking with Personal Capital or Mint.

Curious to know if your net worth is where it should be? Or how it compares to your peers? As you add your portfolio to Money Minx, you will gain access to visibility into the net worth of other Money Minx users that have a similar profile to yours. You can also see if your asset allocation is comparable to others with a similar profile as yours.

Winner: Money Minx

Investor Community

Money Minx Community
Money Minx Community

Personal Capital and Mint do not offer a community.

Just because you prefer to handle your own investment management instead of hiring a financial planner, doesn’t mean you have to do it on your own. Money Minx has a community of investors (some have Money Minx plans and some do not) that discuss a wide variety of topics from refinancing a mortgage, to investing in cryptos, which stocks to jump on and which to drop to retirement planning and financial management.

The community is also a great place to connect with the Money Minx team, ask for new features or get help.

Winner: Money Minx

Access to Passwords

Personal Capital uses an API to access your information for banks and financial institutions. Mint too. This means that the apps handle your user name and password when connecting to these providers.

Money Minx uses a secure iframe provided by Yodlee (for banks and institutions) and one provided by Zabo (for cryptocurrencies) which means Money Minx never sees your username or password and never handles them directly.

Winner: Money Minx

Mobile App

Both Personal Capital and Mint have apps available on iOS and Android. The Money Minx mobiles apps are still in development and will not be ready for a few more months.

The Personal Capital app has many of the features from their website. In the app you can view your net worth, account balance, transactions, cash flow, holdings and allocation. You can’t really manage your retirement or make changes to your assets from the app but those are activities better suited for a bigger screen of your laptop anyway.

The Mint app looks great; it got a pretty nice makeover recently and is very sleek. The app lets you see your net worth and spending trends over time, you can review your credit score and get credit alerts. Account balances, spending, budgets, bills and goals are all in the app too. There is also a cool new area to keep track of subscriptions in case you want to cancel recurring expenses. 

Both apps are great but the Personal Capital app focuses on investing while the Mint app focuses on budgeting. Since most of our readers are primarily focused on investing, we have to give this category to Personal Capital.

Winner: Personal Capital


Mint is free to use. But it make money elsewhere. Mint is a little bit more subtle on their approach. As you add more of your financial accounts to their site and check your credit score with it, Mint will show you offers to save on your credit cards, insurance, loans, etc. You will get these offers in a dedicated offers page as well as in various areas in the app.

Personal Capital is a wealth management company first and foremost. The company’s personal financial tools are used as a way to generate leads for their sales team. When you sign up for Personal Capital, you will receive multiple email and popups requesting a call with you to discuss Personal Capital services.

The Personal Capital offers two plans for the app: a free version and a paid version. The paid version of Personal Capital comes with their wealth management service. With this service, Personal Capital will take control of your investment portfolio and actively manage your funds. Currently, the cost of Personal Capital is:

  • 0.89% for the first $1 million.
  • 0.79% for the first $3 million.
  • 0.69% for the next $2 million.
  • 0.59% for the next $5 million.
  • 0.49% for over $10 million.

The fees above are all-inclusive for their management services without any additional hidden fees.

Money Minx has 3 different plans starting at $12/month and up to $64/month. The goal is to provide you with the tools and information you need to manage your finances on your own. Money Minx does not upsell you anything else. No attempts to send you offers for new loans or cards. You pay Money Minx the monthly subscription, the money is used to build more features, we all live happily ever after. 

Winner: Mint

Mint vs Personal Capital vs Money Minx

For a diversified investor and for those that want to manage their investments on their own, Money Minx is the clear winner.

Personal Capital’s goal is to sell you their financial management service. The company is definitely not looking to have you do it on your own. The free version of the app also stops short when it comes to manual accounts, crypto currency, a community, and the ability to compare portfolios to other investors.

Mint is a great budgeting tool – that is its focus. Not investing.

Money Minx’s mission is to empower those that want to take control of their personal finances and investing. We welcome those with a unique use case and highly diversified portfolios. Our goal is to serve you with the most robust personal investing tools on the market so you can take your portfolio to the next level, with full control and on your terms. We believe everyone should be able to invest like the pros – they just need the right wealth management tools.

If you’re trying to chose between Mint vs Personal Capital vs Money Minx AND you’re looking for a powerful set of tools to invest better, try signing up for a free trial with Money Minx to check it out yourself.

We encourage feedback and questions so please reach out and let us know your thoughts on these three personal finance platforms. We look forward to hearing from you.

Be invested!

Jessica is the co-founder of Money Minx and editor of the Money Minx Blog. She's also a mama to a unicorn and a monkey.

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