When you say crystal, are you refering to the main oscillator crystal or a 32khz used with Timer1 ?
When you say not accurate, what time variations are you experiencing and what circuitry are you using ?
Also its may sound silly, but what are you using to time it with, had one guy saying his pic timing was out but he was using his PCs clock, not a proper stopwatch.
Micropchip do implement rtc on some of the more advanced chips
I guess it's either a bad crystal oscillator circuit or bad code. A standard tolerance that can be easily achieved by a µP crystal oscillator is 50 - 100 ppm, corresponding to 4 - 9 seconds/day. Capacitors must be chosen according to crystal specification, however. The deviation accumulates to 0.5 - 1 hour/year, still quite a lot for a watch.
A serious reason to use a separate RTC chip is power consumption. You'll hardly achieve 0.2 - 0.5 µA with a built-in µP RTC.