Quick answer

Kubera or Richify: which net worth tracker should you use?

Kubera is a balance sheet for complex wealth (auto-synced accounts, crypto, private funds, trusts) from $250 a year after a 14-day trial. Richify is an everyday net worth tracker with built-in AI that compares you with Americans your age; it is free to download with limited use, and a 7-day free trial unlocks the full app. Pick Kubera for entities and private investments; pick Richify to see whether you are on track.

Kubera plans, prices and features read on kubera.com on 18 October 2026; they change, so confirm current terms on each provider's site. Educational comparison only — not financial advice.

Richify vs Kubera

Kubera (Kubera Apps, Inc.) is a personal balance sheet for people with complex wealth. It aggregates banks, brokerages, crypto, private investments and real estate, supports trusts and multiple entities, and hands your portfolio to beneficiaries through a Dead Man's Switch. Plans cost $250, $2,500 or $10,000 a year after a 14-day trial.

Richify Wins

Tied

Kubera Wins

Feature Comparison

Feature	Richify	Kubera
Net Worth Tracking (USD)	All assets & liabilities	Full personal balance sheet
Account Aggregation (auto-sync)	Manual entry, privacy-first	Multiple aggregators + Web Sync
Crypto, DeFi & NFTs	Manual holdings	Wallets, exchanges, DeFi, NFTs
Private Funds & LP Positions	Manual asset entry	Capital calls, distributions, IRR
Property & Mortgage in Net Worth	Built-in	Built-in (price feeds + AI appraiser)
Trusts & Multiple Entities	Personal net worth	Ownership tags, nested portfolios (Black)
Benchmarks	Your net worth vs people your age (Fed SCF)	Club Benchmarks vs Kubera users of similar wealth
AI	Built-in AI (Felix) explains your numbers	Connects to your own AI (Claude, ChatGPT, Grok)
Beneficiary Hand-off	No	Dead Man's Switch
Mobile App	iOS & Android	iPhone & Android
Multi-Country Support	7+ countries, country-native account rules	Multi-currency throughout
Pricing	Free download with limited use; 7-day free trial unlocks the full app	$250 / $2,500 / $10,000 a year; 14-day trial, no free plan

✅ Why Choose Richify

•Built-in AI (Felix) that explains your finances in plain English
•Age benchmarks: your net worth vs Americans your age (Fed SCF)
•Home, mortgage, 401(k), IRA and HSA framed by their US rules
•Privacy-first manual entry; no bank credentials shared
•Free download with limited use; 7-day free trial unlocks the full app
•Multi-country support with country-native account rules

⚡ Kubera's Strengths

•Automatic sync through multiple aggregators, plus Web Sync
•Crypto, DeFi and NFTs tracked as live positions
•Private funds and LP positions with capital calls and IRR
•Trusts and multiple entities (Black plan)
•Dead Man's Switch hands your portfolio to beneficiaries

🏆

The Verdict

Kubera is the better tool if your wealth is complex — private funds, crypto across wallets, trusts or several entities — and you want it synced automatically and passed safely to your family; at $250 a year and up, it is priced for that. Richify is the better fit if you are building wealth and want one number for your accounts, home and debts, explained by AI and benchmarked against Americans your age, without linking your bank. Richify is free to download with limited use, and a 7-day free trial unlocks the full app.

Last reviewed: 2026-05-14 · Reviewed by the Richify team

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❓ Frequently Asked Questions

How much does Kubera cost?

Kubera lists three plans, priced by complexity rather than by wealth: Essentials at $250 a year, Black at $2,500 a year (adds ownership tags across people, trusts and entities, nested portfolios and a guided onboarding session) and Gold at $10,000 a year (Black plus a named person who helps with your AI setup, broken connections and data fixes, with unlimited calls). Every plan starts with a 14-day trial; Kubera lists no free plan (prices as shown on kubera.com in October 2026).

Is Richify a good Kubera alternative?

It depends on how complex your wealth is. Kubera is built as a balance sheet for complex wealth: automatic syncing through several aggregators, crypto including DeFi, private funds with capital calls and IRR, trusts and multiple entities, and a Dead Man's Switch for beneficiaries.

Richify is an everyday net worth tracker with built-in AI explanations and age benchmarks: it keeps your accounts, property and debts in one number and shows how you compare with Americans your age. If you hold LP positions or a family trust, Kubera goes deeper; if you are building wealth and want to know where you stand, Richify is the simpler, cheaper fit.

Does Kubera link to my bank and brokerage accounts?

Yes. Kubera says it runs multiple aggregators, picks a connector for each institution, and falls back to Web Sync, which reads balances from an institution's website.

Richify is manual-entry: you add accounts yourself, so you never share bank credentials with the app.

How do Richify and Kubera benchmarks differ?

Kubera's Club Benchmarks compare your allocations and performance with anonymised Kubera customers of similar net worth. Richify compares your net worth with Americans your age using the Federal Reserve's Survey of Consumer Finances, so the question it answers is 'am I on track for my age?' rather than 'how do people with my wealth invest?'.

Does Kubera have a mobile app?

Yes. Kubera's site links to apps for iPhone and Android.

Richify also has native iOS and Android apps.

Does either app give financial advice?

No. Richify is educational software that explains and benchmarks your money and does not provide personalised investment advice. Kubera describes itself as software: it says it does not sell financial products, does not sell data and does not run ads.

Its Gold plan adds a person for setup and data help, not investment advice.

Comparison is educational only. Features and pricing may change. We strive for accuracy but recommend verifying directly with each service.

Want a free dashboard with automatic account syncing instead of a paid balance sheet? Our Richify vs Empower comparison covers that side of the market. And if your main question is whether your retirement plan works, Richify vs ProjectionLab compares a deep planning engine with everyday tracking. To see where you stand today, the net worth calculator ranks your number against Americans your age.

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