Kubera Review (2026)
Kubera is a net worth balance sheet for people whose money sits in many places: banks, brokerages, crypto wallets, real estate and private investments. The one thing to know: there is no free plan, prices are shown only as yearly totals, and paid fees are non-refundable except where the law requires. Essentials costs $250 a year after a 14-day trial.
By Wealthy Pot Editorial · Facts checked October 19, 2026
Facts checked October 19, 2026 against Kubera's own pricing, help and policy pages (9 sources, listed below). We re-check prices about once a month. We do not earn a commission from Kubera.
Kubera at a glance
| Essentials | $250 a year; every feature except the Black additions [1] |
|---|---|
| Black | $2,500 a year; adds ownership tags for people, trusts and entities, nested portfolios and one guided onboarding session [1] |
| Gold | $10,000 a year; Black plus a dedicated person who helps with setup, connections and data fixes, with unlimited calls [1] |
| Free plan | None. A 14-day trial with all features; you choose a plan when it ends [1] |
| Refunds | Paid fees are non-refundable except where the law requires; Kubera may consider some requests case by case [2] |
| Demo | A 30-minute demo costs $250, credited if you then join Black or Gold [1] |
| How accounts connect | Read-only feeds from Plaid, Mastercard (Finicity), MX, Yodlee, Akoya, SnapTrade, Lean, Akahu and Salt Edge; crypto by public address; manual entry for the rest [3] |
| Coverage (Kubera says) | "Thousands of banks and brokerages worldwide", with a note that some institutions do not connect; stock tickers on major exchanges in the US, Canada, UK, Europe and Asia [5] |
| What it tracks | Bank and brokerage accounts, stocks and funds, crypto (wallets, exchanges, DeFi, NFTs), private investments and LPs, gold, real estate, vehicles, collectibles and debts, in multiple currencies (net worth can also be shown in Bitcoin) [1] |
| Returns | IRR on investments where you enter the cost; tracks committed capital, capital calls and distributions [1] |
| Beneficiary hand-off | Dead Man's Switch delivers your portfolio to people you choose if you go silent for too long [6] |
| Platforms | Web, iPhone and Android [1] |
| Data storage | United States, on AWS [2] |
| Company | Kubera Apps, Inc., a Delaware corporation with a San Francisco mailing address; Kubera says it has no investors [4] |
What Kubera costs
| Plan | Paying monthly, 1 year | Annual plan, 1 year | 3 years (cheapest way) |
|---|---|---|---|
| Essentials | - | $250 | $750 |
| Black | - | $2,500 | $7,500 |
| Gold | - | $10,000 | $30,000 |
Our arithmetic from the listed prices, before sales tax, assuming today's prices hold; subscriptions can renew at a different rate. Prices are in US dollars and shown only as yearly totals. Kubera's terms allow monthly or annual billing, but the pricing section lists no monthly price. Kubera says it will never charge based on assets under management. Paid fees are non-refundable except where the law requires.
How Kubera works
Kubera is a balance sheet, not a budgeting or advice tool. You link bank and brokerage accounts through one of several aggregators (Plaid, Finicity, MX, Yodlee, SnapTrade and others, depending on the country), add crypto by wallet address or exchange, and enter what cannot be linked, such as a house, a car or a stake in a private fund. Kubera says the aggregators return a read-only feed and it never sees your bank login. Private investments get capital-call and distribution tracking and an IRR once you enter the cost. To see how the total compares with a simple estimate, our net worth calculator does the same arithmetic by hand.
Two features set it apart from stock-focused trackers. Dead Man's Switch sends your portfolio to beneficiaries you choose if you stop responding for too long, and Fast Forward models how events such as selling a company or buying a house would change the balance sheet. You can share a portfolio with family, an adviser or an accountant. Black adds ownership tags for trusts and entities and nested portfolios for complex holdings. Kubera Apps, Inc. is a US company and stores data in the United States. It does not advertise tax reports, dividend forecasts or a time-weighted return.
A hypothetical cost: you pay $250 for Essentials and stop using Kubera after 3 months. Because paid fees are non-refundable except where the law requires, those months cost $250 / 3 = $83.33 each. Kept for the full year, the same plan works out to $250 / 12 = $20.83 a month. The 14-day trial with every feature is the time to find out whether your banks and brokers connect before you pay.
Pros
- Links accounts through nine aggregators, plus crypto by wallet address
- Tracks illiquid assets such as private funds, real estate and collectibles next to brokerage accounts
- Dead Man's Switch passes your portfolio to beneficiaries
- No ads, and Kubera says it does not sell personal data
- Flat yearly price, never based on assets
Cons
- No free plan; $250 a year to start
- Fees are non-refundable except where the law requires
- No tax reports or dividend forecasts advertised
- Black at $2,500 and Gold at $10,000 a year are priced for complex family wealth
Who Kubera fits, and who should skip it
A good fit if
- Your net worth includes real estate, private investments or crypto, not only brokerage accounts.
- You want family or an executor to receive your financial picture if something happens to you.
- You hold assets through trusts or entities and want them tagged and nested (Black plan).
Look elsewhere if
- You want a free tracker for a stock portfolio: Yahoo Finance has free portfolios with US brokerage linking.
- You need capital-gains and dividend income reports: Sharesight is built around them.
- You mostly hold crypto and want a cheap app: Delta has a free plan and PRO from $53.88 a year.
Limitations to know
- Kubera says some institutions do not connect; those accounts need manual updates. [1]
- The pricing section shows yearly prices only, so there is no published month-to-month option. [1]
- Kubera describes itself as a balance sheet with "no budgeting, no advice". [4]
- Kubera is not a registered financial adviser or broker-dealer and gives no personalized advice. [2]
- We found no tax reports, dividend calendar or time-weighted return on Kubera's pages.
Kubera compared with alternatives
| Tracker | Price | Sync and import | Platforms |
|---|---|---|---|
| Kubera | No free tier (14-day trial); Essentials $250/yr, Black $2,500/yr, Gold $10,000/yr | Read-only links via Plaid, MX, Yodlee, SnapTrade and others; crypto by address | Web, iOS, Android |
| Sharesight | Free (10 holdings); Starter $7/mo yearly or $9.33 monthly; Standard $18 or $24; Premium $23.25 or $31 (USD) | Broker email forwarding, file import, some direct links; manual | Web, iOS, Android |
| Yahoo Finance | Free portfolios; Bronze $9.95/mo ($95.40/yr), Silver $24.95/mo ($239.40/yr), Gold $49.95/mo ($479.40/yr) | US brokerage linking (Yodlee, Plaid); CSV import; manual | Web, iOS, Android |
| Delta | Free (10 assets fully shown); PRO $6.99/mo or $53.88/yr; PRO+ $13.99/mo, $107.88/yr or $299 lifetime | Unlimited broker, exchange and wallet links on all plans; CSV import | iOS, Android, Web |
| Ghostfolio | Free (self-host or cloud Basic); cloud Premium $48/yr, does not auto-renew | No broker sync: manual entry or CSV/JSON import | Web, Android, Self-host |
- Pick Sharesight if you mainly hold stocks and funds and need dividend and capital-gains reports.
- Pick Yahoo Finance if you want free portfolios with US brokerage linking and do not need real estate or private assets.
- Pick Delta if you hold mostly crypto and stocks and want a free mobile app.
- Pick Ghostfolio if you want a free open-source tracker you can host yourself, with no broker logins.
Security and privacy
- Account links are read-only feeds from the aggregators; Kubera says it never sees your bank credentials and cannot start transactions. [3]
- Two-factor login is available with TOTP authenticator apps or through Google sign-in. [3]
- Data is encrypted at rest and in transit but not end to end, and support staff can see your data in logged, approved sessions. [3]
- Kubera says it does not sell personal data or run ads. Its privacy policy allows sharing limited non-financial data, such as your email address or device IDs, with ad platforms to market Kubera itself, and it uses Google Analytics. [2]
- Kubera says it does not let AI providers train their models on your data. [2]
Recent changes
| Date | What changed |
|---|---|
| Oct 19, 2026 | A new Gold tier at $10,000 a year appears on the live page; it was not on the archived copy from October 3, 2026. [1] |
| Jun 10, 2026 | Archived page shows Essentials at $250 a year and Black at $2,500. [9] |
| Apr 30, 2025 | Archived page shows the tiers named Essentials ($249 a year) and Black ($2,499 a year). [8] |
| Mar 1, 2024 | Archived page shows a Personal plan at $150 a year. [7] |
Kubera FAQ
How much does Kubera cost?
Essentials is $250 a year, Black $2,500 and Gold $10,000. Kubera shows yearly prices only and offers a 14-day trial with all features. Paid fees are non-refundable except where the law requires.
Is Kubera free?
No. There is a 14-day trial but no free plan. For a free tracker, see <a href="/portfolio-trackers/yahoo-finance/">Yahoo Finance</a> or the open-source options in our <a href="/portfolio-trackers/">portfolio tracker comparison</a>.
Is Kubera worth it?
It is built for net worth spread across banks, brokers, crypto, property and private funds, with beneficiary hand-off. If your money is mostly in one or two brokerage accounts, a free tracker covers that, and Kubera does not offer tax reports or dividend forecasts.
Is Kubera safe?
Kubera says account links are read-only through aggregators such as Plaid and Yodlee, so it never sees your bank login and cannot move money. It offers two-factor login and encrypts data at rest and in transit, but not end to end. It says it does not sell personal data or run ads.
Does Kubera sync with my broker?
Kubera links banks and brokerages through nine aggregators and says it covers thousands of institutions worldwide, but also that some do not connect. Use the 14-day trial to check yours before paying.
How we researched this review
We did not get paid or receive a free account for this page. We read Kubera's own pricing page, help center, security and privacy pages and app-store listing on October 19, 2026, quoted each fact from those pages, and link every one below. We did not run a long-term hands-on test, so we do not score the app; where a point rests on what the company says rather than something we can check, we attribute it to Kubera. Cost figures are our own arithmetic. We re-check prices and plans about once a month and log changes in the table above.
Sources
- Kubera, Home page (pricing section), checked October 19, 2026.
- Kubera, Terms of service and privacy policy, checked October 19, 2026.
- Kubera, Security, checked October 19, 2026.
- Kubera, About us, checked October 19, 2026.
- Kubera Help, Track stocks from all major stock exchanges, checked October 19, 2026.
- Kubera Help, Ensure safe transfer of your portfolio to a beneficiary, checked October 19, 2026.
- Internet Archive, Kubera home page captured March 1, 2024, checked October 19, 2026.
- Internet Archive, Kubera home page captured April 30, 2025, checked October 19, 2026.
- Internet Archive, Kubera home page captured June 10, 2026, checked October 19, 2026.
This review is for general information, not investment advice. A tracker shows what you hold; its returns and dividend forecasts are estimates. Prices change; check the vendor's site before you subscribe.