The short version
Kubera handles the awkward assets, property, crypto and overseas accounts, and does not sell you anything; Empower is free but US-centric and comes with wealth management outreach. Kubera is a balance sheet, not a plan.
Why people compare them
The standard paid-versus-free choice for people who want one net worth number across everything they own.
Price and fit, side by side
| Feature | Kubera | Empower Personal Dashboard |
|---|---|---|
| Cheapest paid plan | Kubera$250 per year | Empower Personal DashboardFree tier, then 0.89% per aum |
| Free tier | KuberaNo | Empower Personal DashboardYes |
| Billed in pounds | KuberaNo | Empower Personal DashboardNo |
| Best for | KuberaPeople whose wealth is scattered across many account types and who want one honest total | Empower Personal DashboardUS investors who want a free, detailed view of net worth and portfolio fees in one place |
Where Kubera wins
- A flat annual fee rather than a percentage, so the cost does not grow with your net worth
- Unusually broad asset coverage, including crypto, DeFi and manually tracked assets like property and vehicles
- The $1 trial does not roll into a subscription: Kubera says your card is only charged if you actively subscribe
Where Empower Personal Dashboard wins
- Genuinely free, with no paid tier on the dashboard itself: Empower states the tools cost nothing
- Strong portfolio analysis, including a fee analyser that shows what your funds are quietly costing you
- Covers a wide spread of account types, from 401(k) and IRA to mortgages, loans and credit cards
Where both fall short
- Neither applies UK tax rules to what it shows you.
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job Kubera does for people whose wealth is scattered across many account types and who want one honest total, so if that is the real problem, Kubera is still the better buy. Free plan is £0, no card.
Kubera vs Empower Personal Dashboard: common questions
Kubera is $250 per year and Empower Personal Dashboard is 0.89% per aum. Compare the billing period before the number: an annual price and a monthly price are not the same thing.
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. Check each one against those three points, because a tool that scores well elsewhere can still be a poor fit in the UK.
Kubera suits people whose wealth is scattered across many account types and who want one honest total. Empower Personal Dashboard suits us investors who want a free, detailed view of net worth and portfolio fees in one place. The one that matches how you already think about money will take less setting up.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job Kubera does for people whose wealth is scattered across many account types and who want one honest total, so if that is the real need, pick one of these two.