# Kubera vs Wealthica

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> Content language: English.

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A side-by-side feature comparison. Details like pricing change — check each tool's official site.

| Feature | Kubera | Wealthica |
| --- | --- | --- |
| Pricing | Paid | Freemium |

### Tracking & data

| Feature | Kubera | Wealthica |
| --- | --- | --- |
| Manual entry | Yes | Yes |
| CSV / broker import | Yes | Partial |
| Automatic bank/broker sync | Yes | Yes |
| Multi-asset | Yes | Yes |
| Multi-currency | Yes | Yes |
| Dividend tracking | Not supported | Yes |
| Dividend/income forecast | Not supported | Yes |
| Tax reports | Not supported | Partial |

### Analysis & insights

| Feature | Kubera | Wealthica |
| --- | --- | --- |
| AI portfolio analysis | Partial | Not supported |
| AI asset & market analysis | Not supported | Not supported |
| Portfolio health score | Not supported | Partial |
| Rebalancing & drift | Not supported | Not supported |
| Goal & time-to-goal | Yes | Not supported |
| Custom groupings / tags | Yes | Yes |
| Return method (TWR/MWR) | Yes | Not supported |
| Benchmark & alpha | Yes | Yes |
| Backtesting & scenarios | Not supported | Not supported |

### Access & pricing

| Feature | Kubera | Wealthica |
| --- | --- | --- |
| Free tier | Not supported | Yes |
| No account linking required | Partial | Partial |
| Open source | Not supported | Not supported |
| Self-hostable | Not supported | Not supported |
| Public API | Not supported | Partial |

### Platform & reach

| Feature | Kubera | Wealthica |
| --- | --- | --- |
| Mobile app | Yes | Yes |
| Multi-language | Not supported | Yes |

### Community & extras

| Feature | Kubera | Wealthica |
| --- | --- | --- |
| Public / social portfolios | Not supported | Not supported |
| AI portfolio review | Not supported | Not supported |

## Kubera

**Premium all-asset net-worth tracker with worldwide account sync, IRR benchmarking and estate handoff.**

**Best for:** People with complex, multi-asset wealth — real estate, private deals, crypto — who want one worldwide net-worth view with IRR benchmarking, and will pay for it.

Strengths:
- Tracks virtually any asset class, with worldwide account sync
- IRR per asset, benchmarked against tickers and indices
- Multi-currency (even view net worth in Bitcoin)
- Estate handoff and scenario planning most trackers lack

Trade-offs:
- Paid-only — from $249/year, no free tier
- No dividend tracking, tax reports or automated rebalancing
- AI is bring-your-own (you connect your own ChatGPT/Claude/Gemini)
- English-only, with private sharing only

Verified 2026-07-06
Sources:
- Kubera — homepage (official) — https://www.kubera.com/
- Kubera — IRR of my investment (help) — https://help.kubera.com/article/79-irr-of-my-investment-in-kubera
- WallStreetZen — Kubera review 2026 — https://www.wallstreetzen.com/blog/kubera-app-review/

- Official site: https://www.kubera.com
- Markdown profile: https://www.portfolioglance.com/investing-apps/kubera.md

## Wealthica

**Canadian financial-account aggregator that syncs banks and brokerages into one dashboard with an add-on store.**

**Best for:** Canadian investors with accounts scattered across several institutions whose main problem is knowing their total net worth, especially bilingual households wanting a consolidated family balance sheet.

Strengths:
- Deep Canadian bank and brokerage coverage with an in-house connector collection, backed by Plaid/Yodlee on paid tiers
- Benchmark comparison against the S&P 500 / S&P/TSX on the free tier
- A real extension platform: an MIT-licensed add-on framework, a Power-Ups store and daily Google Sheets / Excel sync of your own data
- Genuinely bilingual product (English and French), including the app
- Household consolidation — assign accounts and assets to family members for a combined balance sheet

Trade-offs:
- The return figure has no documented methodology (no TWR/MWR/IRR/XIRR in its own API) and sits over a user-editable book value
- The free tier is a 3-institution teaser; unlimited syncing was removed in late 2023
- Health scoring, rebalancing and backtesting all require separate paid add-ons by other vendors
- No AI in the consumer product, and US coverage is a Premium-tier beta — it is essentially Canada-only
- File import is transactions-only CSV onto a manual asset; no holdings import, no XLSX or PDF

Verified 2026-07-21
Sources:
- Wealthica — Pricing (5 tiers, free-tier contents) — https://wealthica.com/pricing/
- Wealthica — How it works (daily sync, manual assets) — https://wealthica.com/how-it-works/
- Wealthica API — OpenAPI spec (no TWR/MWR/IRR; /performance deprecated) — https://wealthica.com/docs/swagger.yml
- Wealthica vs Sharesight (their own analytics/tax concession) — https://wealthica.com/blog/wealthica-vs-sharesight/
- iTunes Lookup API (id 1189909042) — version, ratings — https://itunes.apple.com/lookup?id=1189909042&country=ca

- Official site: https://wealthica.com
- Markdown profile: https://www.portfolioglance.com/investing-apps/wealthica.md

*This overview is editorial and for information only — not financial advice or an endorsement. Features and pricing may have changed since publication; check the official site for the latest details.*