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personal capital affiliate program

Personal Capital Affiliate Program

The personal Capital affiliate program offers a commission of $144 per signup. Learn more about the program and how to maximize your earnings.


$144 per sign up


30 days


Check, Direct Deposit, E-Payment

Managing personal finances and investments can be challenging in today’s complex world. With innovative fintech tools now available, people have new options to take control of their financial lives.

This article will discuss how affiliate marketers can use the Personal Capital platform to earn commissions by promoting their financial management services.

Overview of Personal Capital

Personal Capital is a tech company focused on finance. They provide free tools and services for managing wealth. Their platform helps users handle their money, manage investments, track net worth, plan for retirement, and optimize taxes.

Personal Capital combines digital technology and human advisors to provide hybrid robo-advisor services. Here are the key services of the company:

  • Free financial dashboard
  • Retirement planner
  • Investment checkup
  • Fee analyzer
  • Personal advisors

Note that in February 2023, Empower Retirement (the holding company) officially renamed Personal Capital and all its products to Empower.

About the Personal Capital Affiliate Program

The Personal Capital affiliate program allows publishers to earn commissions by referring users to open investment accounts on the Personal Capital platform.

Affiliates receive custom referral links and marketing tools to promote Personal Capital across their website, emails, social media, and other channels.

The program suits fintech reviewers, financial advisors, influencers or content creators in finance and investment. It’s also open for any website or social media account with an active audience to join and make money.

Commission Rates and Payment Details for Personal Capital Affiliates

When joining the Personal Capital program, you earn $144 for each signup with a minimum of $100,000 in tracked assets. Registrations, all other qualified leads, meetings held, and cash accounts opened are excluded.

The cookie duration is 30 days. Earnings are not recurring but are based on initial user signup and asset milestones.

Personal Capital pays affiliates monthly via check, direct deposit, or e-payment.

Personal Capital Affiliate Program: Pros and Cons

Before joining the Personal Capital affiliate program, it’s important to consider the advantages and disadvantages.

Pros Cons
An all-in-one platform Minimum asset of $100,000
Large commission ($144) Lower repeat earnings
Lengthy 30-day cookie
Detailed reporting

You will benefit when promoting an all-in-one platform like Personal Capital, which helps customers easily control their finances and assets. It’s also convenient to keep track of the status of referred users thanks to detailed reporting.

Plus, the large payouts per acquired user or asset milestone make the program lucrative for publishers who can convert referrals. The cookie duration of up to 30 days means a long conversion time, also helping to increase your commission rate.

On the potential downsides, you just get payouts if referral commissions are from those with an aggregate of $100,000 in investments. Besides, because the customer lifecycle is relatively long, this program offers lower repeat earnings than recurring revenue programs.

How to Become a Personal Capital Affiliate (Step-by-step)

Here is a step-by-step guide on how to join the Personal Capital affiliate program in 5 simple steps:

Step 1: Sign up on the FlexOffers website

Apply on the FlexOffers page, which runs the Personal Capital affiliate program. Fill out your company, audience details, and two-factor authentication credentials.

Step 2: Get approved

Once you sign into Flexoffers, find the Personal Capital (Empower) affiliate program and register. Your application will be reviewed to approve you for the program.

Step 3: Access affiliate links & creative assets

Then, you will get access to your unique affiliate links, banner ads, email templates, and other promo materials in your affiliate dashboard.

Step 4: Start promoting

Begin promoting Personal Capital through your website, email newsletters, YouTube channel, social media, etc, using the links and creatives provided.

Step 5: Track and earn

Use your affiliate dashboard to track signups, account openings, assets under management, and commissions generated from your promos.

That’s it! You can immediately start driving referrals to Personal Capital with your approved account and earn commissions.

Tips to Promote the Personal Capital Affiliate Program

To successfully promote the program, you should target website visitors nearing retirement age and promotions focused on retirement and investments. For example, you could discuss how Personal Capital helps manage your money and show the benefits of having a human advisor.

Another strategy is to make content that explains Personal Capital’s portfolio analysis. It can be blog posts or videos that show how the tool works and why it’s helpful. You should emphasize the value of being able to talk to a real person for advice.

Next, people love getting things for free or at a lower price, so consider giving your audiences special discounts or free tools. This can make them more interested in using Personal Capital and contribute to your affiliate earnings.

Lastly, it’s a good idea to organize and put your audiences into groups based on where they found out about it, like through social media or email. This way, you can make sure they get the correct information and offers.

Is Personal Capital Affiliate Program Worth It?

Let’s consider the aspects below to decide whether the Personal Capital affiliate program is right for you.

It first depends on your specific goals and audiences. If you operate in personal finance, investment, or related niches, and your audience is interested in comprehensive financial management tools, promoting Personal Capital could be worthwhile.

Additionally, consider whether the program aligns with your content and if there are promotional materials or exclusive offers to enhance your marketing efforts. Always review the terms carefully to ensure they meet your expectations and standards.

Overall, Personal Capital offers a solid affiliate program for this market. But it does require patience and maximizing their promotional resources to see success.


Does Personal Capital have an affiliate program?

Yes, the Personal Capital affiliate program pays you for each lead made when you promote their digital financial products and services.

Who should join the Personal Capital affiliate program?

The Personal Capital affiliate program is best suited for financial, investing, retirement planning, and personal finance websites and influencers. Your audience should have an interest in robo-advisors and investment analysis tools.

Is the Personal Capital affiliate program free?

No, there are no fees to join the Personal Capital affiliate program. Sign-up is free for approved publishers.

Are there any minimum requirements to become a Personal Capital affiliate?

There are no stated minimum traffic or audience size requirements. However, your site or channel should reach investors interested in opening a Personal Capital advisory account.

Can the Personal Capital program be combined with other affiliate programs?

Yes, Personal Capital allows affiliates to promote other financial services and fintech platforms. There are no exclusivity restrictions.

What are the best Personal Capital affiliate program alternatives?

Some top alternatives are finance affiliate programs from competitors like Betterment, Wealthfront, Ellevest, M1 Finance, Robinhood, Credit Karma, BBVA banks, Credit Sesame, and other robo-advisors or investment platforms.