Kubera

Kubera is a 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: Kubera says it tracks stocks, bonds, crypto, alternative assets, homes, cars, commodities, debts and more, and alongside banks and brokerages it covers 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 suits 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. It also offers portfolio analytics such as asset allocation and an internal rate of return view, plus an annual Recap report. On pricing, as read on Kubera's site on October 14, 2026: Kubera lists annual prices only and has no free tier. Essentials is $250 per year (everything except what is listed under Black), Black is $2,500 per year (adding ownership tags, nested portfolios and guided onboarding for multi-entity wealth), and Gold is $10,000 per year (Black plus a dedicated person who helps with AI setup, connection and data fixes, with unlimited calls). A 14-day trial with all features is offered, after which you choose a plan. Honest limitations to weigh: Kubera is paid-only, with plans from $250 to $10,000 per year. 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. Kubera suits people juggling many asset classes, currencies, and countries who value privacy and consolidation over cost.