# Personal Capital

**Canonical:** https://apis.io/providers/personal-capital/  
**Website:** https://www.personalcapital.com/  
**APIs profiled:** 0

Personal Capital is a digital wealth management and personal finance company, now operating as an Empower company, that pairs free online money-management tools with paid registered-investment-adviser services. Its Personal Capital / Empower Personal Dashboard app lets individuals link bank, brokerage, retirement, and loan accounts to track net worth, analyze investment fees, plan for retirement, and manage cash flow, while Personal Capital Advisors Corporation (an SEC-registered investment adviser) offers human financial advisors and managed portfolios for clients who link at least $100,000 in investable assets. Personal Capital was acquired by Empower Retirement (Great-West Lifeco / Power Corporation) in 2020. The company is consumer-facing and, as of this enrichment pass, does not publish a public developer API, OpenAPI, or developer portal.

## Kin Score — 9.1 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 9.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 13.2 |
| Access Clarity | 13.2 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Personal Capital Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Wealth Management, Personal Finance, Financial Planning, Investing, Retirement, Financial Advisor

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/personal-capital/). Scores are computed from the provider's own public artifacts under a published rubric.