personalcapital2 0.1.1

Python client for the Empower (Personal Capital) unofficial API

personalcapital2

Typed Python client for the Empower (formerly Personal Capital) API. Authenticate, fetch your financial data, and get back clean dataclasses — frozen dataclasses with Decimal values, not raw JSON.

Built on the reverse-engineering work of haochi/personalcapital and traviscook21/personalcapital (both MIT).

Install

pip install personalcapital2
# or with uv
uv add personalcapital2

Quick start

from datetime import date
from personalcapital2 import authenticate

client = authenticate()  # interactive login with 2FA

result = client.get_accounts()
for acct in result.accounts:
    print(f"{acct.name:<30} {acct.firm_name}")
print(f"Net worth: ${result.summary.networth:.2f}")

result = client.get_transactions(date(2026, 1, 1), date(2026, 3, 31))
for txn in result.transactions:
    print(f"{txn.date}  {txn.description:<30}  ${txn.amount:.2f}")

Authentication

authenticate() reads credentials from environment variables, falling back to interactive prompts:

Variable	Purpose
EMPOWER_EMAIL	Empower account email
EMPOWER_PASSWORD	Empower account password
PC2_SESSION_PATH	Custom session file location (default: ~/.config/personalcapital2/session.json)

Sessions are saved and reused until they expire (typically 1-2 days). The session path can also be overridden per-command with --session.

CLI

A command-line tool is included as pc2. All output is structured JSON. See CLI Reference for commands, date shortcuts, and examples.

pc2 accounts                                # list linked accounts
pc2 transactions --start 90d                # last 90 days
pc2 net-worth --start yb --format csv       # YTD as CSV

Python API

All methods return frozen dataclasses with datetime.date and decimal.Decimal fields. See API Reference for methods, response containers, and examples, and Model Reference for every field and type.

MCP Server

An MCP tool server exposes all data methods to AI agents (Claude Code, Claude Desktop, etc.). Requires the [mcp] extra:

pip install "personalcapital2[mcp]"

Start the server (requires a valid session from pc2 login):

pc2 mcp

See MCP Testing Guide for client configuration and testing.

Known API quirks

This library uses Empower's unofficial internal web API, which is not affiliated with Empower and may change without notice.

• is_spending is unreliable on refunds. Use transaction_type (e.g. "Refund") instead.
• performance and benchmarks share one API call. get_performance() returns both in a single PerformanceResult.
• get_accounts may not list all accounts with holdings. Some accounts (employer 401k plans, crypto exchanges) can appear in get_holdings, get_account_balances, and get_performance but not in get_accounts. Use get_holdings to discover investment account IDs.
• get_spending ignores date range and interval. The API always returns current-period spending for all three interval types (MONTH, WEEK, YEAR), regardless of the start_date, end_date, or interval parameters.
• Sessions expire. Typically 1-2 days. Run pc2 login again on auth errors.