Personal Capital Web Fee Analyzer Overlay

WHAT IT DOES

This tool analyzes investment account fees on Personal Capital and projects their long-term impact on your portfolio. It reads account names, balances, expense ratios, and management fees from the page, calculating the total annual fee burden and weighted average fee percentage. The panel displays fee projections over 1, 3, 5, and 10 years, showing the cumulative dollar amount lost to fees at your specified annual return rate. Accounts with fees exceeding a user-defined threshold are highlighted with color coding (red for high, yellow for medium, green for low). A toggle lets you view fee impact in monthly or annual terms, helping you understand the true cost of investment fees.

WHERE IT RUNS

The script activates on Personal Capital pages (personalcapital.com), including portfolio views, account lists, and investment dashboards. It automatically detects account rows using multiple selector strategies that work across different Personal Capital layouts. The panel appears as a draggable overlay that stays accessible as you browse your portfolio.

HOW TO USE

Navigate to your Personal Capital investment dashboard. The panel will appear showing a summary of your accounts with total balance, annual fees, and weighted average fee percentage. The projection section shows estimated fee impact over 1, 3, 5, and 10 years — adjust the "Return %" input to match your expected annual return for more accurate projections. Set an "Alert ≥%" threshold to highlight accounts with fees above that level. Toggle between "Annual" and "Monthly" views to see fee impact in your preferred time frame. The "Refresh" button manually updates the data, and "Export" copies all account data and settings as JSON to your clipboard.

THE TECHNICAL MECHANISM

The script employs a multi-strategy DOM extraction approach for Personal Capital's dynamic interface. It first attempts structured selectors targeting known account row classes, then falls back to table-based parsing when structured selectors fail. Account names are extracted from name elements or by parsing the first non-numeric line of text. Balances are captured using regex for currency amounts, and fee percentages are extracted from patterns matching expense ratios, management fees, or percentage values. The weighted average fee is calculated as (sum of balance * fee) / total balance. Fee projections use compound growth math: impact = balance * (1 - ((1 + returnRate - feeRate) / (1 + returnRate))^years). This formula accounts for the drag fees have on compound returns over time. The annual fee calculation is simply balance * (feeRate / 100). All settings are persisted using GM_setValue.

THE PANEL

The panel is fully draggable by its header and remembers its position on the page across sessions. It can be collapsed to a small bubble using the minimize button, then restored by clicking the bubble. The panel resizes automatically to fit its content and can be closed with the Escape key or by clicking the close button. The panel's position and state persist globally, so it returns to the same location on subsequent visits.

PLEASE NOTE

Requires the free BotGentz extension to run. Personal Capital may update its site structure, which could affect the script's ability to detect account data — updates will be released as needed. All account data is read from the page and displayed locally; nothing is transmitted externally. This tool is for informational purposes only and does not provide financial or investment advice. Fee projections are estimates based on the assumptions you provide and may not reflect actual returns. Always verify your fee data against official account statements and consult a financial advisor for professional guidance.