What Kubera costs
Kubera charges $250 per year, rising to $2,500 per year on the top tier. There is no free plan below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Essentials | Price$250per year | Included
| Not included
|
| Kubera Black | Price$2,500per year | Included
| Not included
|
- Free tier: no.
- Billing currency: Kubera bills in US dollars, so a UK card pays an FX fee on top of the headline price at every renewal.
Prices taken from Kubera’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Essentials at $250 per year is the tier that covers all core net worth tracking features.
- Kubera Black at $2,500 per year is the tier that covers everything in essentials.
Kubera suits people whose wealth is scattered across many account types and who want one honest total, so that is the lens to pick a tier through.
What the price does not cover
- Kubera bills in US dollars, so a UK card pays an FX fee on top of the headline price at every renewal.
- Nested portfolios and granular access control
- UK pension, ISA and tax modelling
- Any planning or forecasting layer
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Kubera.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
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
Kubera costs $250 per year. Prices were checked on 21 July 2026.
No. Kubera has no free tier, so the cheapest way in is $250 per year, after the 14 day free trial.
Kubera bills in US dollars, so a UK card pays an FX fee on top of the headline price at every renewal. The size of that fee is set by your card issuer, not by Kubera, so check your card's terms.
The decision-relevant difference is that Kubera Black adds everything in essentials. Essentials covers all core net worth tracking features.
There are cheaper tools in the investing category, though most trade away something Kubera does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Kubera does for people whose wealth is scattered across many account types and who want one honest total.