★ BEST INVESTING TOOLS COMPARISON ★
VOL. XCIV, NO. 247
Tool comparison edition
Tool Comparison
Gainify vs Kubera
Gainify
Best for stock ideas and screeners
Free • From $9.92/yr
Kubera
Best for broker connectors and APIs & data feeds
From $250/yr
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The verdict
The bottom line
Gainify and Kubera cover a lot of the same ground (4 shared categories, including custom dashboards, portfolio, and blogs), so for the basics you won't go far wrong with either. Gainify simply does more: 24 categories to Kubera's 7, including stock ideas, screeners, and stock comparison. Kubera counters by keeping things simpler.
Key differences at a glance
- Mobile app
- Kubera
- Free plan
- Gainify
- Cheaper paid plan
- Gainify$9.92/mo vs $20.83/mo
- Free trial
- Kubera14 days
- Broader coverage
- Gainify24 vs 7 categories
- Desktop app
- Kubera
Choose
Gainify if…
- Delayed quotes won't cut it; you need real-time data
- You'd rather start free and only pay if you outgrow it
- You want the cheaper way in: plans start at $9.92/mo instead of $20.83/mo
- You care about stock ideas, screeners, and stock comparison, things Kubera doesn't offer
Choose
Kubera if…
- You do a lot of your research from your phone
- You want an API so you can script or automate things
- You care about broker connectors, APIs & data feeds, and advisor operations, things Gainify doesn't offer
Comparison snapshot
| Attribute | ||
|---|---|---|
| Pricing & plans | ||
Starting price | Free • From $9.92/yr | From $250/yr |
Free tier | Yes | No |
Free trial | — | 14 days |
Plan limits | 16 limits: Starter: ai chat queries: 10/month, Starter: watchlists: 1 +14 more | 6 limits: Essentials: api requests per day: 100, Essentials: api rate limit per minute: 30 +4 more |
| Platforms & access | ||
Web app | Yes | Yes |
Desktop app | No | Yes |
Mobile app | No | Yes |
API access | No | Yes |
Broker sync | No | Yes |
Integrations | — | Plaid, Mastercard +7 more |
| Audience & fit | ||
Experience level | Beginner, Intermediate, Advanced | Intermediate, Advanced |
Best for | Retail Traders, Pro Retail +5 more | Pro Retail, Retail Traders +3 more |
Categories covered | 24 | 7 |
Regions | North America, Europe, APAC, LatAm, Middle East, Africa | North America, Europe, APAC, LatAm, Middle East, Africa |
| Data & capabilities | ||
Data quality | 3 signals: Latency: Real-time and End of Day, Granularity: EOD +1 more | 3 signals: Granularity: EOD and Minute, Multi-currency +1 more |
Data partners | 3 partners: S&P Global Market Intelligence, Financial Modeling Prep +1 more | — |
Capabilities | 5 signals: Universe builder, Factors: Value, Quality, Momentum, and Growth +3 more | 14 signals: Broker sync, Rebalancing +12 more |
Security | Encryption in transit | 5 signals: SOC2, Status page +3 more |
| Try it | Visit Gainify | Visit Kubera |
Standout features
What Gainify does best
- Current service status: the Gainify homepage has been replaced by a service notice saying Gainify has been discontinued, Gainify.io is closed, and active paying subscribers received transfer/transition information by email.
- Historical global stock screener with 1,000+ filters across market data, fundamentals, forward estimates, valuation multiples and related metrics.
- Feature pages said the stock screener was powered by S&P Global data and could scan 85,000+ tickers in under a second, with unlimited screeners, instant column add, bulk watchlist add, and a 100+ fundamentals Gainify Score badge.
- Stock reports include company snapshots, Wall Street estimates, valuation metrics, ownership data, dividends, key financials, 10 years of history, 3 years of forecasts, forward valuation charts, Gainify Rating, AI earnings-call summaries and transcript access.
- Gainify Rating / Gainify Score distilled 100+ data points into a stock score designed to help users assess quality and value quickly; one 2026 blog describes a 5-factor scoring system.
What Kubera does best
- Unified net-worth and portfolio dashboard that aggregates global bank, brokerage, crypto and other financial accounts via multiple account aggregators (Plaid, Mastercard, MX, Yodlee, SnapTrade, Lean, Akahu, Salt Edge), plus manual assets - so you can track nearly any stock, ETF or mutual fund across major exchanges worldwide.
- Broad multi-asset coverage including bank accounts, stocks, bonds, funds, private-company equity via Carta, venture investments, crypto wallets and exchanges, DeFi assets, real estate, vehicles, precious metals and other alternatives.
- Digital-asset engine that connects directly to major blockchains, exchanges and wallets, tracks DeFi, NFTs, staking and lending activity, categorizes stablecoins as cash equivalents and lets you view net worth over time in Bitcoin.
- Multi-currency wealth tracking designed for cross-border users, supporting assets in many currencies while letting you monitor total wealth and performance in the base currency of your choice.
- Nested portfolios for multiple entities and ownership structures - holding companies, subsidiaries, trusts and partnerships - so you can maintain separate balance sheets and still see a consolidated net worth view.
Data & access details
| Attribute | ||
|---|---|---|
| Coverage & fit | ||
Asset types | Stocks | StocksBondsETFsMutual FundsCryptosReal EstateCommoditiesPrivate Funds+2 more |
Experience | BeginnerIntermediateAdvanced | IntermediateAdvanced |
Target audience | Retail TradersPro RetailLong-term InvestorsValue InvestorsGrowth InvestorsDividend InvestorsAnalysts | Pro RetailRetail TradersLong-term InvestorsFinancial AdvisorsFamily Offices |
Regions | North AmericaEuropeAPACLatAmMiddle EastAfrica | North AmericaEuropeAPACLatAmMiddle EastAfrica |
Coverage details | Identifiers: Ticker | Identifiers: Ticker |
| Data | ||
Data freshness | Real-timeEnd of Day | Not specified |
Data granularity | EOD | EODMinute |
Pricing sources | VendorModel | Not specified |
Data partners | S&P Global Market IntelligenceFinancial Modeling PrepProprietary Derived Data | Not specified |
| Access & integrations | ||
API auth & delivery | Not specified | 30 req/minDocs |
Import methods | Manual | PlaidBrokerOAuthManual |
Integrations | Not specified | PlaidMastercardMXYodleeSnapTradeLeanAkahuSalt Edge+1 more |
Export formats | Image | Excel |
| Plans & trust | ||
Security & compliance | Encryption in transit | SOC2Status pageEncryption at restEncryption in transitRole-based access |
Capability signals | Universe builderFactors: Value, Quality, Momentum, and GrowthPerformance attributionPortfolio attributionAI summaries: Transcripts | Broker syncRebalancingMulti-currencyWallet trackingMulti-entity structuresAlternatives supportDrift monitoringCash management+6 more |
Vendor & support | GainifyCountry: LithuaniaFounded 2024Support: Email | Kubera Apps, Inc.Country: United StatesSupport: Email |
Curation ratings | Methodology 3/5Reliability 3/5UX 4/5 | Not specified |
Green tags are exclusive to that tool in this comparison.
Pricing breakdown
$9.92/yr
Lower starting price
Plans & pricing
- ai chat queries: 10/month
- watchlists: 1
- +2 more
- billing: $14.99 monthly or $9.92/month billed yearly.
- ai chat queries: 50/month
- +4 more
- billing: $36.99 monthly or $26.99/month billed yearly.
- ai chat queries: 500/month
- +4 more
$250/yr
Starting price
Plans & pricing
- api requests per day: 100
- api rate limit per minute: 30
- api requests per day: 1,000
- api rate limit per minute: 30
- api requests per day: 1,000
- api rate limit per minute: 30
Coverage overlap
Shared categories
4Where the two tools cover the same ground.
Gainify strengths
20What you only get with Gainify.
Kubera strengths
3What you only get with Kubera.
Community category leaders
Vote sentiment comparison
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Frequently Asked Questions
What's the difference between Gainify and Kubera?
Gainify leans toward stock ideas, screeners, and stock comparison, while Kubera puts more weight on portfolio, broker connectors, and APIs & data feeds. They overlap in 4 categories, so for most people it comes down to workflow preference and price.
Is Gainify or Kubera free to use?
Gainify has a free tier, so you can get started without paying anything. Kubera is paid-only. If budget matters, start with Gainify and see how far it takes you before opening your wallet.
Which is better for beginners: Gainify or Kubera?
Gainify is the friendlier place to start; its interface takes less getting used to. Both work fine once you're past the basics.
Can I use Gainify or Kubera on my phone?
Kubera lists a dedicated mobile app, so it travels better. Gainify doesn't list a dedicated mobile app; its documented access is web.
Does Gainify or Kubera have an API?
Kubera has an API for programmatic access and custom integrations. Gainify doesn't, so you're working through its interface.
Should I choose Gainify or Kubera?
It depends on what you're after. Pick Gainify if stock ideas and screeners matter to you; go with Kubera if you'd rather have broker connectors and APIs & data feeds. And if you only need the basics both share, let price decide.
What asset classes do Gainify and Kubera cover?
Both cover stocks. Kubera adds bonds, ETFs, and mutual funds on top.
Does Gainify or Kubera have real-time data?
Gainify offers real-time data, which matters if you trade actively. Kubera runs on delayed or end-of-day data, which is perfectly fine for longer-term investors who don't live and die by the tick.
Can I export data from Gainify and Kubera?
Kubera exports to Excel. Gainify is stingier about getting data out.
Can Gainify or Kubera connect to my broker?
Kubera syncs with brokers automatically. With Gainify, you're entering holdings by hand or importing files.
Are Gainify and Kubera good for long-term investing?
Yes, both are aimed squarely at long-term investors. Compare their coverage, workflow, and price before assuming they solve the same long-term research job.
Which has a better stock screener: Gainify or Kubera?
Gainify has a stock screener for surfacing ideas; Kubera doesn't, and focuses its energy elsewhere.
Can I track my portfolio with Gainify or Kubera?
Yes, both do portfolio tracking: holdings, performance, and allocation in one place.
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Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.