It also offers a net-worth tracker so users can track their financial value, in addition to seeing where their money goes and setting a budget. Empower will automatically categorize users' expenses, but they have the option to customize.

Accessibility and Ratings. The Personal Capital app is available on your web browser, as well as on iOS and Android mobile devices. The company's mobile app has 4.7 stars across more than 36,000 reviews in the Apple App Store and 4.3 stars over more than 16,000 reviews in the Google Play Store.

Free app. Personal Capital doesn't charge a fee for its app and all the features it offers. If you decide to use its wealth management services, there is a fee for that. But everything else is available for free.

The answer is that Personal Capital doesn't make any money from its free financial app. Instead, their free financial app acts as a lead generator for them to contact those users who link more than $100,000 in investable assets. A portion of those contact will eventually become clients.

Four Ways to Track Your Expenses

1. Pencil and Paper. Don't dismiss old school methods.
2. Envelope System. The envelope system focuses on paying cash for as many things in the budget as you can.
3. Computer Spreadsheets. It's time to talk digital - computer spreadsheets as an expense tracking method.
4. Budgeting Apps.

Capital expenditures (CapEx) are funds used by a company to acquire, upgrade, and maintain physical assets such as property, plants, buildings, technology, or equipment.

Personal Capital is a financial planning, money management, and investing app in one. It allows you to connect your accounts to the app's dashboard so you can monitor everything in one place. That includes bank accounts, credit cards, retirement accounts, investments, and any other financial account you have.

Capital budgeting involves identifying the cash in flows and cash out flows rather than accounting revenues and expenses flowing from the investment. For example, non-expense items like debt principal payments are included in capital budgeting because they are cash flow transactions.

2.5 million customers About Personal Capital The company's state-of-the-art tools and technology provide investors with a complete financial picture, utilized by over 2.5 million customers.

Free app. Personal Capital doesn't charge a fee for its app and all the features it offers. If you decide to use its wealth management services, there is a fee for that. But everything else is available for free.

Steps to Track Your Expenses

1. Step One: Create a Budget. You won't be able to track expenses without one.
2. Step Two: If You Make Money, Track It. When your regular paycheck comes in, put it in the income part of your budget.
3. Step Three: If You Spend Money, Track It.
4. Step Four: Set a Regular Rhythm for Tracking.

Every time money leaves you, write down the date, the exact amount, and the expense category. Plan to record your transactions for at least a month. If you carry around a little notebook or smartphone, you can log your transactions as they happen.