Kubera
kubera.com
Read-only net worth tracker combining brokerage, bank and crypto accounts with real estate, private investments and collectibles, for a flat yearly fee.
What it is
Kubera is a balance sheet rather than a trading tool. It links to thousands of banks and brokerages worldwide through several data aggregators, choosing a connector for each institution, and adds a Web Sync option for institutions without a direct connection. Crypto is covered across major blockchains, exchanges and wallets, including DeFi, staking and NFTs. Everything else, from property and cars to gold, watches and private fund commitments, can be added by hand or valued through price feeds.
For the stock portion it shows cost basis and gains per holding, daily snapshots of net worth from the day you join, and growth compared with the S&P 500, the Dow or a benchmark you choose. Private investments get IRR tracking with capital calls, distributions and a cash forecast. It is read-only: it never stores banking passwords and cannot move money.
Kubera charges a flat yearly fee rather than a percentage of assets, and says it runs no ads and sells no data. Essentials covers one household; Black adds ownership tags, nested portfolios for multiple entities, guided onboarding and VIP support. A beneficiary feature, sometimes called a dead man's switch, passes the whole picture to people you choose if your account goes quiet.
Key features
- Account aggregation
- Connects thousands of banks and brokerages worldwide through multiple aggregators, plus Web Sync for institutions without a direct link.
- Crypto and DeFi
- Tracks major blockchains, exchanges and wallets, including DeFi positions, staking, lending and NFTs.
- Alternative and physical assets
- Real estate, vehicles, gold, jewellery and watches, valued from price feeds or an AI appraiser, plus private investments with IRR.
- Performance and benchmarks
- Cost basis and gains per holding, daily net worth history and comparison with the S&P 500, Dow or a custom benchmark.
- Beneficiary transfer
- Securely hands your portfolio to chosen beneficiaries if the account goes inactive.
- Multi-entity structures
- Black adds nested portfolios and ownership tags for trusts, companies and other entities.
Pricing
| Plan | Price | What you get |
|---|---|---|
| Essentials | $250/yr | Everything for one household |
| Black | $2,500/yr | Adds ownership tags, nested portfolios, guided onboarding and VIP support |
Kubera's portfolio tracker page advertises a 14-day trial with all features; its help centre describes a $1 non-refundable trial fee. The subscription does not start automatically after the trial. No monthly price was shown.
Checked September 25, 2026 on kubera.com. Prices change; confirm on the provider's site before you subscribe.
Strengths
- Tracks stocks, crypto, property and private investments on one balance sheet
- Flat fee rather than a percentage of assets
- Read-only access; it cannot move money
- Multiple aggregators improve the chance your institutions connect
Limitations
- No free plan; the cheapest option is $250 a year
- Not a trading tool: no charts, screeners or trade-level journal
- Advanced multi-entity features cost $2,500 a year
- Performance tools focus on net worth and holdings rather than detailed trade analytics
Good fit for
- Investors with wealth spread across brokerages, crypto, property and private funds
- Families who want a beneficiary hand-off for their financial picture
- People who hold assets in several currencies or countries
Look elsewhere if
- Active traders who want per-trade performance (a trading journal fits better)
- Investors who only hold stocks and want a free tracker
Compare
Alternatives to Kubera
Kubera questions
How much does Kubera cost?
Essentials is $250 a year for one household. Black is $2,500 a year and adds multi-entity features and VIP support.
Does Kubera have a free trial?
Kubera advertises a 14-day trial with full features; its help centre mentions a $1 non-refundable fee to start. The paid subscription does not begin automatically.
Can Kubera move money or place trades?
No. Kubera is read-only, does not store banking credentials and cannot move money.
Does Kubera track crypto?
Yes, across major blockchains, exchanges and wallets, including DeFi, staking and NFTs.
Written from Kubera's own website and documentation. All Trading Tools lists and compares tools; it does not recommend trades or give financial advice. Sources: kubera.com, kubera.com/portfolio-tracker, help.kubera.com/article/117-why-pay-1-for-the-trial.