HyWorth and Kubera compared
Two products that track what a household owns, listed alphabetically. Each fact comes from the product's own public pages, with the date we read it.
Currencies
- HyWorth
All 30 supported currencies, converted daily into one total in the currency you choose.
- Kubera
Tracks assets in any currency and shows them in yours, crypto included.
Countries' tax rules
- HyWorth
Tax brackets in the planner (Pro).
- Kubera
Not stated on its own public pages.
Planning
- HyWorth
Scenarios, tax brackets and Monte Carlo simulations (Pro).
- Kubera
What-if modelling, for example buying a house.
Bank connections
- HyWorth
Optional, with Pro: bank and brokerage accounts in the United States and Canada. Elsewhere you enter balances yourself, once a month.
- Kubera
Over 20,000 institutions through several aggregators, in countries including the US, Canada, the UK and much of Europe.
Source: kubera.com/blog/bank-investment-portfolio-auto-update, read on 15 November 2026
Where data is kept
- HyWorth
Stored in Switzerland (Zurich), processed in the EU (Frankfurt).
- Kubera
Stored on AWS, encrypted at rest.
Budgeting
- HyWorth
Budget tracking, on the free plan.
- Kubera
Not stated on its own public pages.
Price
- HyWorth
Free plan. Pro is CHF 300 a year; founding members pay CHF 120 a year for the first 24 months.
- Kubera
Essentials $250 a year, Black $2,500 a year, with a 14-day trial.
Where HyWorth is weaker
A fair comparison says where we fall short, too.
- Automatic bank connections cover the United States and Canada only, and come with Pro. Finary and Kubera connect to banks in Europe as well.
Who HyWorth is built for
For the family CFO with money in more than one country: track all of it, plan your life choices on it, and watch it grow.
How we compared
We read each product's own public pages and wrote down what they say. Where a product's pages do not say, the page says so; we do not guess, and we do not use reviews. We read every fact again at least every 120 days.
Spotted a fact that is out of date? Write to darius@hyworth.ai and we will check it.
See your own family's picture
HyWorth adds up every account, property and pension you have, in any of thirty currencies, converted with the rate shown. You then plan your life choices on that one number.
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