Comparison
Worthune vs Addepar
Addepar is a portfolio data platform: it aggregates holdings from custodians and administrators, models ownership from household down to individual investments, reports performance including alternatives, and offers a client portal, an API, and an AI connector to its clients. Worthune does not aggregate or report performance. It keeps a versioned household record and a planning engine that your own product owns, with a public API, a published price, and a free sandbox. They answer different questions: what does the household own and how has it performed, against what should the household do next.
Every claim below about Addepar carries the page it was read from and the date. Oldest check on this page: .
Worthune
Unified household management, a whole-household planning engine, and verified financial models, delivered as a REST API, an MCP server, SDKs, and embeds that customers ship under their own brand. Every model has a published spec and returns a per-run audit record.
Wealth-management firms and the platforms that serve them, and developers at fintech, wealthtech, banking, and AI companies.
Addepar
A data and AI platform for investment professionals, covering portfolio data, ownership structures, performance, and alternatives, with a client portal and a developer API.
Wealth management firms, family offices, banks, fund managers, and institutional allocators.
Side by side
Sourced facts only. Where a cell says a vendor does not publish something, that means we looked at the page named in the sources below on the date shown and it was not there — not that the answer is no.
| Worthune | Addepar | |
|---|---|---|
| How it is delivered | REST API, MCP server, and a one-script-tag embed | A web platform, an online client portal, the Addepar Mobile app, and a REST API |
| How households are modeled | A versioned household record the customer's product owns through the API: members, accounts, incomes, and obligations, re-projected on change, with signed webhooks when a stored plan's numbers drift and a decision history per household | Households are portfolios at the top of an ownership hierarchy of households, clients, legal entities, accounts, and investments |
| Account aggregation | No — Worthune does not aggregate accounts or connect custodial feeds; households are kept current by bulk import of the customer's aggregator or custodian exports, with a dry run | Yes — automated daily data feeds from hundreds of custodians, banks, and administrators |
| Programmatic API | Yes — REST and MCP, no key required for the three sample models | Yes — public developer documentation; API keys are issued inside an Addepar account through the firm administrator, and development environments go to clients and partners on request |
| Client-facing portal or app | No app of our own; household embeds and a white-label reference build ship under the customer's brand, with attribution removal on Growth | Yes — an online client portal and the Addepar Mobile app |
| MCP server for AI assistants | Yes — a remote MCP server; three models keyless, household and Lodestar tools with a key, including a free sandbox key | Yes — an Addepar connector in Claude's connector directory, signed in with an Addepar account and permission-aware |
| Pricing model | Subscription; three models free with attribution, no per-run metering | Not stated publicly; the site routes prospects to request a demo |
| Entry price | Free for three models; $495/month for the full catalog | Not stated publicly |
| Track record, as published | A new company with a small team and no published customer list | Reports $10 trillion in assets on the platform, with users in 60+ markets |
Where Addepar is stronger
Complex ownership and private assets, at scale
Addepar models ownership as a hierarchy of households, clients, legal entities, accounts, and investments, aggregates daily feeds from hundreds of custodians and administrators, and reports across private and alternative assets on a very large asset base (see the track-record row). For a family office or a firm serving ultra-high-net-worth clients with trusts, entities, and private funds, that is the job, and Worthune does not do it.
When Worthune is the wrong choice
If the question is what the household owns and how it performed
Worthune has no aggregation, reconciliation, or performance reporting, and no model for private-fund data. A firm that needs an accurate consolidated picture of complex holdings should buy a portfolio data platform like Addepar. Worthune fits next to one, when a product needs projections, strategies, and drift alerts for the household.
Our case
Where we think the difference actually matters
This section is our opinion rather than sourced fact, and it is marked that way on purpose — the table above is what a source URL can settle, and this is what it cannot.
Planning on the household, not just reporting
Multi-year projections, coordinated strategies, and tax-aware decisions run on the household record, and Lodestar proposes moves on standing objectives for an advisor to approve.
Self-serve access
The API reference, OpenAPI document, SDKs, and MCP tools are public, and a free sandbox key arrives by email. No account with an existing firm is needed to start.
A price on the page
Plans and household overage rates are published, priced by active households with no metering on calls.
Evidence with every projection
Versioned specifications, downloadable test cases, sourced constants with check dates, and a record per run tying each number to the version that produced it.
Questions
Common questions
- What does Addepar cost?
- Not stated publicly. Its site routes prospects to request a demo, as of the date in the sources below. Third-party estimates exist; ask Addepar for a quote.
- How does Addepar model a household?
- As a portfolio at the top of an ownership hierarchy that runs through clients and legal entities to accounts and investments. Worthune models a household for planning: members, accounts by tax wrapper, incomes, and obligations, re-projected whenever any of them change.
- Can I use Worthune with Addepar?
- In principle, yes: a firm's own software could map holdings exported from a portfolio data platform into Worthune households through bulk import. We do not offer a prebuilt integration, so that mapping is work your team or a partner would do.
- Do both have MCP connectors for AI assistants?
- Yes. Addepar has a connector in Claude's directory for its clients, and Worthune's MCP server answers three models with no key and the household tools with any key, the free sandbox key included.
Sources
Every claim above, and where it came from
- Addepar · Account aggregation — www.addepar.com/solutions/ria, checked
- Addepar · How households are modeled — developers.addepar.com/docs/about-addepar, checked
- Addepar · Programmatic API — developers.addepar.com/docs/get-setup, checked
- Addepar · MCP server for AI assistants — claude.com/marketplace/connectors/addepar, checked
- Addepar · Track record, as published — addepar.com/, checked
- Worthune · Entry price — worthune.com/pricing, checked
- Worthune · Programmatic API — worthune.com/docs, checked
- Worthune · Client-facing portal or app — worthune.com/pricing, checked
- Worthune · MCP server for AI assistants — worthune.com/docs, checked
- Worthune · Track record, as published — worthune.com/ai-info, checked
- Worthune · Account aggregation — worthune.com/solutions/unified-household-management, checked
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