Personal Capital is a free tool that allows you to connect all your financial accounts to track your spending, investments, and net worth. If you are familiar with Mint.com, it is somewhat similar but with more features that help you track your investment portfolio like performance, benchmarking, and asset allocation.
To encourage you to try them out, Personal Capital is offering
special bonus if you sign-up for a new account and link at least one bank or investment account. Credit cards, debit cards, Paypal, and Coinbase account do not count. This is a refer-a-friend promotion, so I will get the same thing if you use my link (thanks!).
I don’t know exactly when this will expire, but I do know it is a limited-time promotion. They had a Black Friday deal that was similar and it was very popular (who doesn’t like free money?). You will receive the gift certificate code via e-mail, so be sure that is valid.
Note that if you provide a phone number, Personal Capital may call you to set up a free financial consultation as they make money by providing add-on paid financial advice. (Their management fees are 0.89% annually for the first $1 million, which is high in my opinion.) In my experience, if you are not interested just tell them so and they will not pressure you any further and they won’t call ever again. Or you could take a advantage of the free consultation to answer any money questions you have, as many of their advisors hold the Certified Financial Planner (CFP) designation.
In any case, the base financial tracking service remains completely free. When tracking net worth, I think it’s neat that you can set it to update your home value using a Zillow estimate. I definitely use the smartphone app much more often, as it allows a quick update and supports Touch ID for easy authentication if you have a recent iPhone. Selected fine print below:
Giveaway hosted by Personal Capital. A user must link at least one valid financial account. Credit or debit card, PayPal and Coinbase accounts do not count towards the giveaway. An Amazon.com Gift Card valued at $10.00 will be awarded to each new customer who link an account and the customer who refers new customer. All awards will be electronically delivered through Amazon to customer’s email provided in the registration process. The offer will apply only to the first time customer when a unique account is linked and will not be applied if the same account is linked multiple times in the same or additional accounts, or for any previous account, which was closed by the customer.