8FIGURES vs Contingency Zero
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
8FIGURES
This app provides AI-driven insights for smarter investing and portfolio management. It tracks net worth, analyzes diversification, and offers actionable alerts to help users grow wealth and manage risks effectively.
- AI-driven investment insights
- Real-time portfolio and net worth tracking
- Link bank accounts, brokers, and crypto wallets
- Global currency and stock exchange support
- Actionable alerts and AI news summaries
- Diversification and performance analysis
- Export portfolio data to spreadsheets
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Free portfolio & net worth tracker for serious investors, plus your personal AI investment team. 8FIGURES links your brokerages, banks, crypto, and private investments into one live picture of everything you own and owe. Prices, dividends, and coupons update automatically, and you see the real return on every position. No ads, no sales calls, no selling your data — we make money one way: optional advice from your AI investment team, for a flat subscription, never a percentage of your assets. 8FIGURES Inc. is an SEC-registered investment adviser. TRACK EVERYTHING YOU OWN • Stocks and ETFs with dividends • Crypto from exchanges and wallets • Bonds with coupons and YTM, maturity, duration • Real estate with linked mortgage • Equity compensation — RSUs, options, and ESPPs • Angel investments in startups — SAFEs and equity • LP stakes in private venture and PE funds ACCOUNT CONNECTIONS THAT WORK • Link nearly any US bank or broker — securely, in read-only mode • We also support many EU and UK banks • Link major crypto exchanges and wallets • Add any asset manually — any listed ticker supported NUMBERS YOU CAN ACTUALLY TRUST • Measure performance with IRR (Internal Rate of Return) — the metric professionals use and most brokers don't show • Slice and dice your allocation across asset classes, industries, and countries • Analyze returns with TWR (Time-Weighted Return) and MWR (Money-Weighted Return), so deposits and withdrawals don't distort your numbers • Multi-currency support for global investments ADD YOUR DEBTS TO SEE YOUR NET WORTH • Link your mortgage to your home to see your home equity • Add loans, credit cards, and tax liabilities • Track your net worth to reach your financial goals AN INVESTMENT TEAM IN YOUR POCKET Five specialized AI agents, led by an AI Investment Advisor that sees your full portfolio: • Portfolio Manager — builds and rebalances your allocation • Research Analyst — digs into every holding you own • Risk Officer — flags hidden concentration and challenges risky moves • Tax Advisor — optimizes for after-tax returns • Financial Planner — tracks progress to your goals The team monitors your portfolio 24/7 and shares news, alerts, and insights. Ask anything and get a straight answer grounded in your real numbers — what to buy, hold, or sell, and why. SECURITY FIRST • Bank-grade AES-256 encryption • Read-only access: 8FIGURES can't place trades or move your money • Secure account connections via Plaid and other trusted providers • Your data stays private — even our team can't access it without your approval • Export or delete your data whenever you choose TRUSTED BY INVESTORS Over 10,000 investors track $100M+ in linked assets with 8FIGURES. Featured by Forbes, Investopedia, Kiplinger, Yahoo Finance, and U.S. News. DISCLAIMER 8FIGURES Inc. is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not imply a certain level of skill or training. For additional information about our advisory services, please view our Form ADV Part 2A and Form CRS on the SEC's Investment Adviser Public Disclosure website at adviserinfo.sec.gov. 8FIGURES provides investment guidance using software-based models and algorithms. Information in the app may be general in nature and is not legal or tax advice. Investing involves risk, and you are responsible for your decisions. 8FIGURES Inc. is acting as an agent of TrueLayer, who is providing the regulated Account Information Service, and is authorized and regulated by the Financial Conduct Authority under the Payment Services Regulations 2017 and the Electronic Money Regulations 2011 (Firm Reference Number: 901096). 8FIGURES® is a registered trademark with the U.S. Patent & Trademark Office (Registration No. 7727610). Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula
Contingency Zero
This app helps you organize and secure important family information for emergencies. It allows you to create digital 'binders' for assets and share them with trusted contacts, ensuring your loved ones have access when they need it most.
- Zero-knowledge security architecture
- Organize assets into customizable 'Binders'
- Flexible sharing of specific binders or entire plan
- Control access permissions (Read Only, Full Access)
- Detailed version history for all entries
- Step-by-step guidance through estate planning
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Contingency Zero: My Emergency Preparedness App If something happened to you today, would your loved ones know how to access your important information? Contingency Zero gives you and your family peace of mind by solving one of life's most overlooked challenges. THE PROBLEM WE SOLVE In today's unpredictable world, unexpected events can strike without warning. When the unthinkable happens, families are often left dealing with emotional trauma while facing the overwhelming task of piecing together financial and legal information. Most people understand the importance of having a plan, yet few take action until it's too late. Traditional estate planning methods are often cumbersome, outdated, and fail to address the digital nature of our modern lives. A SECURE SOLUTION FOR MODERN ESTATE PLANNING Contingency Zero transforms how you prepare for life's uncertainties through a secure estate planning platform built with privacy at its core. Our innovative zero-knowledge system ensures your sensitive information remains private while allowing you to share access with designated trusted contacts. KEY FEATURES + Privacy & Security First Your information is protected with end-to-end encryption, ensuring only you and your designated contacts can access your data. Our zero-knowledge security architecture means that even we cannot see your private information. + Organize Your Life into Binders “Cars”, “Pets”, “Bank accounts” are some of your important assets. If something happened to you, you would like your survivors to know what they are, where they are, and what to do with them. We help you organize them into “Binders”. You can have as many binders as you want. Each binder has a name, a description, and a fixed binder type. For example, you could create two auto binders, one named “My Texas cars” and one named “My Florida cars”. You can even set a different icon to each binder. Binders help you organize your assets in a way that makes sense to you. + Flexible Sharing Options Share your complete estate plan or only selected binders with trusted contacts. Choose exactly what to share and keep the rest private. You can also enable automatic sharing so that newly added binders are shared with your trusted contacts without extra steps. + Control Access Permissions Decide how much control your trusted contacts have: Read Only – They can view your shared binders but cannot make changes. Full Access – They can add, edit, and delete binders and binder entries. Your information, your rules — share with confidence. + Detailed Version History Our version control system lets you update your information while maintaining a history of previous versions, ensuring nothing important is ever lost. + Intuitive User Experience The app guides you through the estate planning process step by step, making a complex task manageable through a clean interface. HOW IT WORKS Getting started with Contingency Zero is simple. Download the app and create your estate plan. The guided setup helps you organize information into the four binder categories. Once your information is securely stored, you can designate trusted contacts who will receive access to your estate plan. SUBSCRIPTION MODEL Contingency Zero is free to download and use for personal planning. When you're ready to share your Plan, simply subscribe to our affordable monthly plan. Only the sharing user needs a subscription; your trusted contacts can access the shared information through the free version. PEACE OF MIND IN AN UNCERTAIN WORLD No one likes to think about worst-case scenarios, but being prepared is one of the greatest gifts you can give your loved ones. Contingency Zero provides the security, privacy, and organization needed to ensure your family has access to critical information when they need it most. Download Contingency Zero today and take the first step toward protecting your legacy and providing peace of mind for yourself and those you care about most.
Screenshots
Verdict
The clearest difference is ads: 8FIGURES at none against Contingency Zero's shown. 8FIGURES also leads on update cadence (daily vs monthly) and ratings volume (61 vs 2). Contingency Zero's advantage is rating (5.0 vs 4.7). On price, in-app purchases, monetization model and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. 8FIGURES sells 2 in-app purchases, starting at $30.00 per month and Contingency Zero sells 4 in-app purchases, starting at $9.99 per month. Whichever you choose, the download price is not the number that matters.
Contingency Zero holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: 8FIGURES has 61 ratings behind it against 2, so its average is the more settled of the two.
8FIGURES ships an update daily, Contingency Zero monthly. The most recent releases landed on October 1, 2026 and September 30, 2026 respectively.
| Parameter | 8FIGURES | Contingency Zero |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (61 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 94.7% of reviews | — |
| Number of ratings | 61 — better | 2 |
| Update frequency | Daily — better | Monthly |
| Ads | No — better | Yes |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Devices | iPhone | iPhone, iPad — better |
| Requires iOS | 17.4 | 16.6 — better |
| Further details — not scored | ||
| Size | 78 MB | 66 MB |
| Age rating | 4+ | 17+ |
| Developer | 8FIGURES Inc. | NULIA.US Corp. |
Customer experience
8FIGURES
Contingency Zero
In-app purchases
8FIGURES
- Monthly Subscription$30.001 Month
- Yearly Subscription$269.991 Year
Contingency Zero
- Monthly Subscription1 Month trial$9.991 Month
- 3 Months Subscription1 Month trial$19.993 Months
- 6 Months Subscription1 Month trial$29.996 Months
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- 12 Months Subscription1 Month trial$39.991 Year









