Frustrated that Kubera only tracks assets with zero capability for long-term financial planning? Paying high fees for basic net worth that ignore cash flow? You're not alone - thousands tired of limited scope with no guidance.
Kubera focuses only on current net worth tracking with zero capability to forecast your financial future or plan for retirement goals.
Expensive subscription fees for basic asset tracking that free alternatives can handle without any comprehensive planning or guidance features.
Kubera provides static net worth snapshots without any cash flow forecasting, scenario planning, or future financial modeling capabilities.
Basic asset tracking without intelligent financial guidance or personalised recommendations for wealth building and financial decision-making.
Zero automated insights, no scenario planning, and no personalised financial guidance to help users make better financial decisions.
Kubera ignores income, expenses, and cash flow - it's just a net worth calculator without comprehensive financial life management.
| Feature | Kubera | Delphina |
|---|---|---|
| Net Worth Tracking | ✓ | ✓ |
| Asset Management | ✓ | ✓ |
| Long-term Planning (30+ years) | ✗ | ✓ |
| Cash Flow Forecasting | ✗ | ✓ |
| Scenario Planning & 'What-if' Analysis | ✗ | ✓ |
| Intelligent Financial Guidance | ✗ | ✓ |
| 30-Year Cash Flow Projections | ✗ | ✓ |
| Comprehensive Financial Visibility | ✗ | ✓ |
| Asset + Cash Flow Integration | ✗ | ✓ |
| Annual Cost | High subscription fees | Free tier available |
Compare comprehensive financial planning capabilities, retirement planning, and investment strategies.
Compare AI-powered budgeting, predictive insights, and advanced expense management.
Compare FIRE number calculators, early retirement planning, and withdrawal strategies.
Focuses on current net worth tracking and asset management. Limited to snapshot view without long-term financial forecasting.
Future-ready planning with 30-year cash flow projections, scenario planning, and advanced forecasting for comprehensive wealth building.
Tracks assets and net worth across multiple accounts. Limited to asset tracking without comprehensive financial integration.
Complete financial visibility across all accounts, investments, and financial goals. Comprehensive view of your entire financial life.
Basic asset tracking and net worth calculations. Limited personalisation without comprehensive financial guidance.
Sophisticated personalised guidance that adapts to your unique financial situation, goals, and life circumstances for optimal decision-making.
Premium subscription required for full functionality. Limited features for the price point compared to comprehensive alternatives.
Free tier available with comprehensive features. Premium plans offer advanced planning capabilities at competitive pricing.
Join Delphina and experience intelligent financial guidance with future-ready planning and complete financial visibility.
Get Started FreeNo, Delphina provides comprehensive financial planning including budgeting, forecasting, and goal tracking - not just net worth.
Delphina offers more features at a lower price, including AI-powered insights and scenario planning.
Delphina includes retirement projections, FIRE calculations, and Monte Carlo simulations - features Kubera lacks.
Delphina uses modern Open Banking for reliable, secure connections to UK banks with automatic updates.
Delphina is designed for everyday users, not just wealth enthusiasts - intuitive interface with powerful features.