The short answer
Kubera gives you 14 days free and asks for a payment method up front, so it converts to a paid subscription unless you cancel. Verified 21 July 2026.
During the 14 days
Nothing is held back. The trial is the full product for 14 days, which is long enough to see a full pay cycle through.
When it ends
On day 14 the subscription starts and your card is charged, unless you have cancelled before then. Set a reminder a couple of days early rather than relying on theirs.
How to cancel
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.
Cancellation processes change. Check Kubera's own page before you rely on this.
Free options in the same category
Several tools in the investing category have permanent free tiers rather than trials, and each gives up something different: usually either the account connections or the depth of analysis. Delphina's free plan is one of them, and it gives up the deeper scenario modelling that the paid plans carry.
For what Kubera costs once the trial is over, see Kubera pricing.
Trying Delphina instead
Delphina does not run a trial, because the Free plan does not expire. No card, no countdown, nothing to cancel. If it turns out to be useful, Wealth Builder is £9.99 a month. If it is not, leave it alone and it costs nothing.
More on Kubera
Kubera: common questions
14 days. Verified on 21 July 2026.
Yes. Kubera takes a payment method up front, so the subscription starts automatically unless you cancel before the 14 days are up.
You are charged for the plan you trialled unless you cancel first.
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.
No. A trial and a free plan are different things, and Kubera has the first but not the second.
It depends what you are replacing. For day to day spending, several UK apps have permanent free tiers with limited features. For the pension and retirement side, Delphina's free plan is £0 with no card and no expiry, though it is not a like-for-like replacement for what Kubera does for people whose wealth is scattered across many account types and who want one honest total.