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. But it doesn't budget. It doesn't project. It doesn't optimize. 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.
Rikdom ProTax-loss harvesting, rebalancing alerts, AI insights, community benchmarks. Do something with the numbers, not just look at them.
Rikdom ProFeature by feature
| Capability | Kubera | Rikdom Essentials | Rikdom Pro |
|---|---|---|---|
| Net Worth | |||
| Net worth dashboard | ✓ | ✓ | ✓ |
| Bank & brokerage sync | ✓ | ✓ | ✓ |
| Crypto wallet tracking | ✓ | Planned | Planned |
| Real asset tracking | Manual | ✓ | ✓ |
| Beneficiary & estate features | ✓ | — | — |
| Money Management | |||
| Zero-based budgeting | — | ✓ | ✓ |
| Transaction categorization | — | ✓ | ✓ |
| Cash flow tracking | — | ✓ | ✓ |
| Spending anomaly detection | — | — | ✓ |
| Intelligence | |||
| Monte Carlo projections | — | — | ✓ |
| Tax-loss harvesting | — | — | ✓ |
| AI-powered insights | — | — | ✓ |
| Liquidity score | — | ✓ | ✓ |
| Retirement Planning | |||
| Roth conversion analysis | — | — | ✓ |
| Social Security optimization | — | — | ✓ |
| Withdrawal strategy modeling | — | — | ✓ |
| Financial health report (PDF) | — | — | ✓ |
| Pricing | |||
| Annual cost | $250 | $80 | $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.