The five year number
Five years of Kubera comes to $1,250 on Essentials. Figures assume the Essentials tier at the current price with no increases. Kubera Black at $2,500 a year is aimed at a different customer entirely. Verified 21 July 2026.
Year by year
| Time held | Kubera | Delphina |
|---|---|---|
| After 1 year | Kubera$251 on Essentials, being the $250 annual fee plus the $1 trial charge | Delphina£119.88 |
| After 3 years | Kubera$750 on Essentials | Delphina£359.64 |
| After 5 years | Kubera$1,250 on Essentials | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Figures assume the Essentials tier at the current price with no increases. Kubera Black at $2,500 a year is aimed at a different customer entirely.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: The $1 trial fee, which Kubera states is non-refundable
- Hidden cost: FX fees at every renewal, because billing is in US dollars
- Hidden cost: No monthly option, so you commit a full year at a time
- Hidden cost: Kubera says there is no prorated refund if you cancel part way through a year
Figures based on Kubera’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For people whose wealth is scattered across many account types and who want one honest total, that is a fair price. 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.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Kubera pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Kubera is the better net worth tracker if your assets are genuinely everywhere, and its flat fee is fairer than a percentage. It is a ledger rather than a plan: it will not tell you what your ISA allowance should be doing or whether your retirement date holds.
More on Kubera
Kubera: common questions
It is worth it for people whose wealth is scattered across many account types and who want one honest total. It is a poor buy for anyone who needs no free tier at all, and $250 a year is high for what is fundamentally a tracker, because that is not what it is built to do.
4 things are not on the pricing page: the $1 trial fee, which kubera states is non-refundable; fx fees at every renewal, because billing is in us dollars; no monthly option, so you commit a full year at a time; kubera says there is no prorated refund if you cancel part way through a year.
Kubera bills in US dollars, so a UK card pays an FX fee on top of the headline price at every renewal. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
Kubera charges $1 to start the trial, which it describes as a check to keep out bots and which it states is non-refundable. The good news is that nothing rolls over: Kubera says your subscription will not automatically begin after the trial and your card is only charged once you actively click Subscribe.
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.