The short version
Kubera is broader on odd assets and simpler; Finary has better investment analysis and stronger European bank coverage. Neither projects forward, so you still cannot tell whether your number is on track.
Why people compare them
Both are paid net worth trackers covering non-standard assets, so the comparison is about coverage and interface.
Price and fit, side by side
| Feature | Kubera | Finary |
|---|---|---|
| Cheapest paid plan | Kubera$250 per year | FinaryFree tier, then €54.99 per year |
| Free tier | KuberaNo | FinaryYes |
| Billed in pounds | KuberaNo | FinaryNo |
| Best for | KuberaPeople whose wealth is scattered across many account types and who want one honest total | FinaryEuropean investors with assets spread across brokers, property and crypto who want one net worth view |
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 Finary wins
- Unusually broad asset coverage in one place: brokers, property, crypto, life assurance and private holdings
- The fee scanner, which surfaces what your existing products are costing you, is a genuinely useful and rare feature
- A permanent free plan that links 2 accounts and tracks 2 goals
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 Finary: common questions
Kubera is $250 per year and Finary is €54.99 per year. 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. Finary suits european investors with assets spread across brokers, property and crypto who want one net worth view. 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.