Kubera
Net-worth tracker for wealth that goes beyond stocks: property, private deals, crypto. Paid only, from $249 a year.
Kubera makes sense once your wealth spreads beyond a brokerage account: property, private equity, collectibles, crypto wallets and bank accounts in several countries. It syncs with thousands of institutions worldwide, and for the rest an AI import reads a CSV, a PDF or a screenshot. Each asset gets an internal rate of return (IRR) that you can set against the S&P 500, Bitcoin or a single stock. There is no free plan. Essentials costs $249 a year and Black $2,499, after a 14-day trial. Two extras you rarely see elsewhere: a what-if planner called Fast Forward, and a handoff that passes access to a beneficiary. The AI advisor in its marketing is a bring-your-own setup: you connect your own ChatGPT, Claude or Gemini.
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
Wealthy households with property, private investments and accounts in several countries who want one figure and will pay for it. If you mostly hold dividend stocks, look elsewhere: Kubera doesn't track dividends at all.
Strengths
- Sync with thousands of institutions worldwide, plus AI import from a CSV, PDF or screenshot
- IRR for every asset, set against the S&P 500, Bitcoin or a single stock
- Net worth shown in any currency, Bitcoin included, and access handed to a beneficiary
Trade-offs
- No free plan: $249 a year for Essentials, $2,499 for Black
- No dividend tracking, tax reports or rebalancing
- English only, and the AI needs your own ChatGPT, Claude or Gemini account
Kubera vs PortfolioGlance
Linking thousands of institutions and handing access to your heirs are things Kubera does and we don't. For a large net worth spread across countries, that is worth its price. We cover a simpler case for free: stocks, ETFs, crypto, property and deposits added by hand or from a CSV, returns measured time- and money-weighted, dividends recorded and a goal with a date. If someone close to you should one day see everything in one place, choose Kubera.
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Alternatives and rankings
This is our editorial review, not financial advice. Features and prices may have changed since we checked, so see the official site for the latest.