REPORT OF INDEPENDENT REGISTERED PUBLIC
ACCOUNTING FIRM

To the Board of Trustees of Schwab Capital Trust and Shareholders of Schwab
Monthly Income Fund - Moderate Payout, Schwab Monthly Income Fund - Enhanced
Payout, and Schwab Monthly Income Fund - Maximum Payout:

In planning and performing our audits of the financial statements of Schwab
Monthly Income Fund - Moderate Payout, Schwab Monthly Income Fund -
Enhanced Payout, and Schwab Monthly Income Fund - Maximum Payout (the
"Funds"), as of and for the year ended December 31, 2020, in accordance
with the standards of the Public Company Accounting Oversight Board (United
States) (PCAOB), we considered the Funds' internal control over financial
reporting, including controls over safeguarding securities, as a basis for
designing our auditing procedures for the purpose of expressing our
opinion on the financial statements and to comply with the
requirements of Form N-CEN, but not for the purpose of expressing an
opinion on the effectiveness of the Funds' internal control over financial
reporting. Accordingly, we express no such opinion.

The management of the Funds is responsible for establishing and maintaining
effective internal control over financial reporting. In fulfilling this
responsibility, estimates and judgments by management are required
to assess the expected benefits and related costs of controls. A fund's
internal control over financial reporting is a process designed to provide
reasonable assurance regarding the reliability of financial reporting
and the preparation of financial statements for external purposes in
accordance with generally accepted accounting principles. A fund's internal
control over financial reporting includes those policies and procedures that
(1) pertain to the maintenance of records that, in reasonable detail,
accurately and fairly reflect the transactions and dispositions of the
assets of the fund; (2) provide reasonable assurance that transactions are
recorded as necessary to permit preparation of financial statements
in accordance with generally accepted accounting principles, and that
receipts and expenditures of the fund are being made only in accordance
with authorizations of management and trustees of the trust; and (3)
provide reasonable assurance regarding prevention or timely detection
of unauthorized acquisition, use, or disposition of a fund's assets that
could have a material effect on the financial statements.
Because of its inherent limitations, internal control over financial
reporting may not prevent or detect misstatements. Also, projections
of any evaluation of effectiveness to future periods are subject to
the risk that controls may become inadequate because of changes
in conditions or that the degree of compliance with the policies
or procedures may deteriorate.

A deficiency in internal control over financial reporting
exists when the design or operation of a control does not allow
management or employees, in the normal course of performing their
assigned functions, to prevent or detect misstatements on a timely
basis. A material weakness is a deficiency, or a combination of
deficiencies, in internal control over financial reporting, such
that there is a reasonable possibility that a material misstatement
of the Funds' annual or interim financial statements will not be
prevented or detected on a timely basis.

Our consideration of the Funds' internal control over financial reporting
was for the limited purpose described in the first paragraph and
would not necessarily disclose all deficiencies in internal control that
might be material weaknesses under standards established by the PCAOB.
However, we noted no deficiencies in the Funds' internal control over
financial reporting and its operation, including controls for safeguarding
securities, that we consider to be a material weakness, as defined above,
as of December 31, 2020.

This report is intended solely for the information and use of management
and Board of Trustees of Schwab Capital Trust and the Securities and
Exchange Commission and is not intended to be and should not
be used by anyone other than these specified parties.

/s/ Deloitte & Touche LLP
Denver, Colorado
February 17, 2021