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Overall there are some big positives to this app - it connects to my credit union and to my credit union’s mortgage agency. It is the ONLY app that is able to do this. The charts are useful, even if it makes for an overwhelming interface. On the downside, the interface is incredibly busy and the navigation is confusing. Also, the downloading of transactions is incredibly unreliable and slow, and PC does not seem to update more than once per day. Mint is much more reliable from a download perspective and updates as many times as I want. It is also a much cleaner interface, and transactions are much more understandable in the Mint app. Also, there are little annoyances that prevent me from fully allocating my accounts. For example, PC doesn’t recognize my mortgage account as a mortgage, but I can’t reclassify it through the app. Nor can I reclassify Betterment accounts as Savings - they always are Investments. UPDATE 02/22 - The ap loses another star because it does not recognize most of the mortgage companies and auto loan companies that I do business with. Their syncing service pales next to Mint and I refuse to spend a lot of time updating stuff manually. If I’m going to have to do manual updates, I might as well use Mint, where my accounts all work. Very disappointing.

Has good tools for my finance tracking and planning but has issues with accounts regularly. There are “red” issues which require reauth which is fine. It just means where I keep my money is more on the paranoid side. But the “yellow” issues are a real pain as you can’t do anything to try and resolve them short of re-linking them which causes you to lose history. One of my credit cards is managed directly on the same page as my savings and checking through that institutions website. I have even seen the account temporarily pop up inside the app and then disappear. PC refuses to fix it as they need a critical mass of requests before working on any particular issue. Had another card at a household company that was linked fine, then the issuer backing the credit sold their rights to another creditor. New website meant no more support from PC until reaching critical mass. Another household name institution has daily issues with balance recognition, and closing prices on the assets held in that account. I have worked application development in financial institutions for most of my career in commodity support. This kind of service would result in heads served on silver platters regularly... figuratively of course.

I use this app because I have multiple retirement accounts I needed a place to consolidate the information. I'm a do it yourself investor so I do not use the personal capital advisors service and can't comment on them. However I can't comment on the tools for consolidation of multiple accounts. There is a good amount of data without being over or under whelmed regarding amounts in each account, returns overtime in each account or aggregate and allocation asset classes. I would give this five stars however I have about 10 retirement accounts, and at any given time one or more have an issue and are not able to sync. Normally this is an issue with the retirement count itself and not personal capital, however the feedback from personal capital via email is extremely slow and dismissive of these issues. If the accounts cannot be links successfully, this is a problem with fundamentals of the application and the rest of the application becomes worthless.