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Personal Capital

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.

human only

Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.

Kin Score

API Evangelist profiles Personal Capital the way a machine reads it — 1 machine-readable artifact, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.

Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Personal Capital scores 10.7/100 (minimal), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 10.7/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 2.6 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3

How we profile Personal Capital

Each block below is one kind of artifact we hold for Personal Capital. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Personal Capital Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Every other property we hold for Personal Capital — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

Get Started 2

Portal, sign-up, and the first successful call

Access & Security 1

Authentication, authorization, and security posture

Operate 1

Status, limits, changes, and where to get help

Company 2

The organization behind the API

← All providers · Data indexed from github.com/api-evangelist/personal-capital · machine-readable index on apis.io