Kubera

Kubera is a premium net worth and portfolio tracker built for people with complex, multi-asset wealth. Unlike budgeting apps, it does not track day-to-day spending; instead it consolidates everything you own and owe into a single net worth view. Its differentiator is breadth of asset coverage: alongside banks and brokerages, it tracks crypto wallets and exchanges (including DeFi across chains such as Ethereum, Bitcoin, and Solana), real estate, vehicles, private equity and LP positions (with a Carta integration), collectibles, and other physical assets, across multiple currencies. It connects to thousands of institutions worldwide through several aggregators and offers AI-assisted valuation for hard-to-price assets, which makes it a favorite among globally diversified and high-net-worth investors. A signature feature is estate planning: Kubera's beneficiary tool (sometimes called a Dead Man's Switch) can share your full financial picture with a trusted person if you become unreachable for a set period, which is genuinely uncommon among trackers. It also offers portfolio analytics such as asset allocation and an internal rate of return view, plus an annual Recap report. On pricing, verified against Kubera's site and multiple 2026 reviews in August 2026: Kubera is annual-only with no free tier. The Essentials plan is about $249 per year (listed as $250 on Kubera's current site), and a premium Kubera Black plan is about $2,499 per year (listed as $2,500), adding nested portfolios, granular access control, guided onboarding, and VIP support. A 14-day trial is available for $1, non-refundable and with no auto-renewal, after which you choose your plan. Honest limitations to weigh: Kubera is expensive for what is fundamentally a tracker, especially against free net worth tools like Empower. It has no budgeting or spending-management features and only light investment analysis, so it is not a full financial-planning suite. There is no native iOS or Android app; it is a browser-based product you can install as a progressive web app on mobile. And as with any aggregator, some connections need periodic re-authentication. Crypto-only investors can find cheaper dedicated trackers. Kubera earns its price mainly for people juggling many asset classes, currencies, and countries who value privacy and consolidation over cost.