Kubera is a beautiful net worth tracker. If all you want is a dashboard of your assets — including crypto, real estate, and alternative investments — it's excellent at that, and Fast Forward will model what happens if you sell the company or buy the house. What it won't do is budget, or tell you the odds. If you've outgrown "what do I have" and want "what should I do," that's where Rikdom picks up.
Different philosophies
Kubera answers one question very well: "What is my net worth right now?" Rikdom answers that question and several more.
Kubera aggregates all your accounts into a single net worth view. Crypto wallets, brokerage, real estate, art, wine — beautifully displayed.
Both answer thisZero-based budgeting, transaction categorization, cash flow tracking, spending anomaly detection. Kubera doesn't touch day-to-day money management.
Rikdom onlyMonte Carlo simulations model 10,000 possible futures. See your probability of reaching retirement, a savings goal, or financial independence.
RikdomTax-loss harvesting, rebalancing alerts, AI insights, community benchmarks. Do something with the numbers, not just look at them.
RikdomFeature by feature
| Capability | Kubera | Rikdom |
|---|---|---|
| Net Worth | ||
| Net worth dashboard | ✓ | ✓ |
| Bank & brokerage sync | ✓ | ✓ |
| Crypto wallet tracking | ✓ | Planned |
| Real asset tracking | Manual | ✓ |
| Beneficiary & estate features | ✓ | — |
| Money Management | ||
| Zero-based budgeting | — | ✓ |
| Transaction categorization | — | ✓ |
| Cash flow tracking | — | ✓ |
| Spending anomaly detection | — | ✓ |
| Intelligence | ||
| Scenario projection | Fast Forward | ✓ |
| Monte Carlo projections | — | ✓ |
| Tax-loss harvesting | — | ✓ |
| AI-powered insights | Bring your own LLM | ✓ |
| Liquidity score | — | ✓ |
| Retirement Planning | ||
| Roth conversion analysis | — | ✓ |
| Social Security optimization | — | ✓ |
| Withdrawal strategy modeling | — | ✓ |
| Monthly report (PDF) | — | ✓ |
| Pricing | ||
| Annual cost | $249 | $140 |
"Kubera has one feature we don't: beneficiary access and estate planning tools. If you're specifically looking for a "financial snapshot for your heirs," Kubera is built for that. We're focused on helping you optimize while you're actively managing."
— Being honest about trade-offsRikdom's Community Benchmarks add another dimension Kubera doesn't offer: see how your savings rate, net worth-to-income ratio, and other metrics compare to people in your income cohort. Privacy-protected, anonymous, and only displayed when at least 50 contributors are present.
Contributions vs. market
Kubera is very good at the number. Every asset in one place, including the illiquid ones most tools ignore. What a balance sheet doesn't say is who moved it. If your net worth gained $40,000, the useful question is how much of that you put there yourself. Payroll makes it harder than it sounds: a 401(k) deduction never passes through a bank feed, so subtracting what you spent from what you have leaves the contribution sitting inside the market number. Rikdom reports the two separately, with the employer match broken out, because money your employer added isn't money you chose to save.
Kubera checked 20 September 2026. Features verified on kubera.com; pricing ($249/yr Essentials, $2,499/yr Black) rests on corroborating 2026 reviews, because kubera.com/pricing returned 404 that day. Check with Kubera before deciding.