Kubera
Premium all-asset net-worth tracker with worldwide account sync, IRR benchmarking and estate handoff.
Kubera is a premium net-worth tracker that aims to hold every asset you own — stocks, ETFs, crypto (including DeFi and NFTs), real estate, vehicles, collectibles, private equity and bank accounts — and sync them from thousands of institutions worldwide. It reports an internal rate of return (IRR) for each asset and benchmarks it against tickers and indices like the S&P 500, Bitcoin or Apple. It is paid-only, and adds unusual extras like a “Fast Forward” scenario planner and a beneficiary/estate handoff.
Features at a glance
| Feature | Kubera |
|---|---|
| Pricing | Paid |
| Tracking & data | |
| Manual entry | Yes |
| CSV / broker import. Import holdings and transactions from broker or exchange CSV files. | Yes |
| Automatic bank/broker sync. Connects to your bank or broker to pull holdings in automatically. | Yes |
| Multi-asset | Yes |
| Multi-currency | Yes |
| Dividend tracking | Not supported |
| Dividend/income forecast. Projects future dividend income and shows an income calendar. | Not supported |
| Tax reports | Not supported |
| Analysis & insights | |
| AI portfolio analysis | Partial |
| AI asset & market analysis. AI commentary on individual holdings and market context, not just the whole portfolio. | Not supported |
| Portfolio health score. A single score rating diversification, concentration and other portfolio-health signals. | Not supported |
| Rebalancing & drift. Shows how far your allocation has drifted from target and how to correct it. | Not supported |
| Goal & time-to-goal | Yes |
| Custom groupings / tags. Group holdings by your own dimensions (e.g. strategy, theme), not just asset class. | Yes |
| Return method (TWR/MWR). True time-weighted (TWR) and money-weighted (MWR/XIRR) return — not just a simple % change. | Yes |
| Benchmark & alpha. Compare returns against a benchmark, including alpha. | Yes |
| Backtesting & scenarios. Test a portfolio against historical data or run scenario simulations. | Not supported |
| Access & pricing | |
| Free tier | Not supported |
| No account linking required. Works without connecting a bank login or aggregator. | Partial |
| Open source | Not supported |
| Self-hostable | Not supported |
| Public API | Not supported |
| Platform & reach | |
| Mobile app | Yes |
| Multi-language | Not supported |
| Community & extras | |
| Public / social portfolios. Share your portfolio publicly and follow other investors. | Not supported |
| AI portfolio roast. A shareable AI roast: a frank critique of a portfolio. | Not supported |
Best for
People with complex, multi-asset wealth — real estate, private deals, crypto — who want one worldwide net-worth view with IRR benchmarking, and will pay for it.
Strengths
- Tracks virtually any asset class, with worldwide account sync
- IRR per asset, benchmarked against tickers and indices
- Multi-currency (even view net worth in Bitcoin)
- Estate handoff and scenario planning most trackers lack
Trade-offs
- Paid-only — from $249/year, no free tier
- No dividend tracking, tax reports or automated rebalancing
- AI is bring-your-own (you connect your own ChatGPT/Claude/Gemini)
- English-only, with private sharing only
Kubera vs PortfolioGlance
Kubera is the stronger choice for tracking sprawling net worth — property, private equity, collectibles — across worldwide institutions, if the premium price is worth it. PortfolioGlance is free at its core, adds native AI analysis, a health score and goal projection, and does not link accounts (manual or CSV) — but it is not built to be an all-asset net-worth aggregator with estate features.
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This overview is editorial and for information only — not financial advice or an endorsement. Features and pricing may have changed since publication; check the official site for the latest details.