Kubera Review: What It Tracks, Price and Limits
Kubera is a net worth tracker built for people whose money does not sit in one account type. A brokerage position, a crypto wallet, a stake in somebody's fund, a rental property and a watch collection can all go on the same balance sheet. It does one job well: add up everything owned and owed into a single number, across a wider range of asset types than most net worth tools attempt. It does not budget, it does not track cost basis or tax lots, and it has no view into what any of those brokerage positions are actually exposed to once they are inside the total. Everything below was checked against kubera.com in September 2026; kubera.com is the source of record if any figure here has since changed.
If the question is which net worth tracker to use instead of Kubera, the Kubera alternatives post and the broader best net worth tracker roundup cover that ground. This one is about what Kubera itself does.
What Kubera is
Kubera describes itself as a balance sheet for tracking wealth outside the traditional 1%-of-assets advisory model: one dashboard listing everything a user owns and owes, updated as linked accounts sync. It is not organized around a single asset class the way a brokerage-only portfolio tracker is. The product's own pages describe the pitch as tracking "anything" a user can own, and the feature list backs that up with categories most competitors skip entirely.
What it tracks
Per kubera.com, the coverage spans several groups of assets:
- Traditional investments and banking: stocks from major exchanges across the US, Canada, the UK, Europe and Asia; banks and brokerages linked through account aggregators; mutual funds and ETFs.
- Digital assets: cryptocurrencies across major blockchains, crypto exchange and wallet balances, DeFi positions, NFTs, and staking and lending activity.
- Alternative investments: private stock, limited partnership positions, committed capital and capital calls, with IRR tracking against those commitments.
- Physical and real assets: real estate, gold and precious metals, vehicles, jewelry and watches, and manually added assets of any kind.
- Multi-currency and complex structures: holdings priced in multiple currencies, and ownership tagging across holding companies, subsidiaries, trusts and partnerships.
That last category is the one that explains Kubera's pricing more than any single asset class does. Features like ownership tags across entities and people, and nested portfolios for structures like a trust that owns an LLC that owns a rental property, are built for someone whose assets are not all sitting in their own name. Kubera also lists a Web Sync tool for pulling in balances from institutions that do not offer a direct data connection, and what it calls an appraiser for estimating the value of physical assets that do not have a public price, such as a vehicle or a piece of jewelry.
Pricing
Kubera lists two plans for individuals on kubera.com, both billed annually with no monthly option shown, plus a 14-day free trial of the full product before either plan is charged.
| Plan | Price | Built for | What it adds |
|---|---|---|---|
| Essentials | $250/year | Individuals and families with straightforward holdings | All core tracking: brokerages, crypto, DeFi, real estate, physical assets, multi-currency |
| Black | $2,500/year | Complex, multi-entity wealth | Everything in Essentials, plus ownership tags across entities and people, nested portfolios, guided onboarding and VIP support |
Kubera also lists a White Label plan starting at $300 a month, aimed at advisory firms that want to offer a branded version of the tool to clients rather than at individual users. That plan is a different product from either Essentials or Black and is not covered further here.
The gap between the two individual tiers is steep for what looks, on the surface, like the same tracking. In practice, Black is priced for someone who needs the entity and ownership structure, not for someone who simply owns more.
Kubera adds it up. This looks inside it.
Helm reads your linked brokerages read-only for concentration, earnings exposure and tax-loss candidates with wash-sale screening, on top of a written brief each market morning.
See what Helm tracksWhat Kubera does not do
No budgeting. Kubera's own marketing positions the product as distinct from budgeting apps. There is no categorized spending tool, no monthly budget, and no cash flow forecast on either plan. It answers "what am I worth," not "where did the money go this month."
No tax lots or cost basis detail. Nothing in Kubera's listed features describes individual tax lots, short versus long-term holding periods, or wash-sale tracking. The net worth number moves as asset values move; it is not a tax record and was not built to feed one.
No thesis or exposure analysis. Kubera totals holdings; it does not read what is inside a brokerage account. There is no concentration check across positions, no look-through into what a fund actually holds, no earnings calendar tied to what a user owns, and nothing that reads a filing or a piece of news against the reason a position was bought in the first place. A stock and a crypto wallet both show up as a dollar figure on the balance sheet, and that is where the analysis stops.
No live brokerage execution. Kubera is a read-only aggregator by design, which is standard for the category and not a criticism, but worth stating plainly: nothing here places a trade or moves money.
Who it fits
The fit is clearest for someone whose net worth genuinely spans categories a normal brokerage app or budgeting tool was not built to hold at the same time: a founder with private stock and LP commitments alongside a brokerage account, a crypto holder who also owns real estate, or a family office style situation with assets split across a trust, an LLC and several people. Kubera's entity and ownership tagging on Black is aimed squarely at that last case.
It fits poorly for someone who mainly wants to track a single brokerage account or two, since $250 a year is a lot to pay for a net worth number that a free tool or a brokerage's own app can usually produce for one account type. It also fits poorly for anyone whose real want is a monthly budget, tax-loss detection, or a way to check what is actually driving a portfolio's risk, since none of those are part of what Kubera does.
Kubera alternatives
Kubera is one option among several net worth trackers, and the field ranges from free single-purpose tools to paid multi-asset platforms with different tradeoffs on price, asset coverage and depth. The Kubera alternatives post compares the closest direct competitors on those terms, and the best net worth tracker roundup takes a wider view across the category, including free options for anyone who wants the same "one number" pitch without a $250 annual charge.
Where Helm fits
I build Helm Terminal, so weigh this section accordingly. Helm is not a net worth tracker and does not try to add up real estate, crypto wallets or private LP stakes the way Kubera does. It reads linked brokerage accounts read-only and does the position-level work Kubera does not: concentration and earnings exposure across every account, tax-loss harvesting candidates with wash-sale screening, and a written brief each market morning covering what moved in a portfolio and why. Someone who wants one number across every asset class they own still needs Kubera or something like it. Helm picks up after that, for the question of what is actually happening inside the brokerage positions Kubera is adding into the total.
Verdict
Kubera does something few competitors attempt at the same breadth: one balance sheet across brokerages, crypto, DeFi, real estate, private stock and physical assets, with real handling of trusts and multiple owners on the top tier. That breadth is also the whole product. There is no budgeting, no tax lot detail and no analysis of what is inside the brokerage positions it totals, so anyone expecting those needs a second tool regardless of which Kubera plan they pick. The Essentials plan is a reasonable price for genuinely multi-asset wealth; Black is priced for entity complexity specifically, not for a bigger number on the same kind of assets.
Nothing here is financial advice. Prices and plan details were checked on kubera.com in September 2026 and can change; kubera.com is the source of record.
Related reading
Frequently asked questions
How much does Kubera cost?
Per kubera.com in September 2026, Kubera Essentials is $250 a year and Kubera Black is $2,500 a year, both billed annually with no separate monthly plan listed. A 14-day free trial runs on the full product before either plan is charged. Kubera also lists a White Label plan for firms starting at $300 a month, which is a different product aimed at advisors rather than individual users.
Is there a free version of Kubera?
No ongoing free plan. Kubera offers a 14-day free trial of the full product, and the site states a user chooses a subscription when the trial ends. There is no reduced free tier to fall back to afterward, unlike some net worth trackers that keep a limited free option running indefinitely.
Does Kubera track tax lots or cost basis?
Kubera's own product pages do not describe tax lot tracking, short versus long-term holding periods, or wash-sale detection anywhere in their listed features. The product totals what an asset is worth today against what was recorded when it was added, which is a net worth calculation rather than a tax record.
Does Kubera do budgeting?
No. Kubera positions itself explicitly as distinct from budgeting apps in its own marketing, and its feature list covers asset and liability tracking rather than categorized spending, envelope budgets or cash flow forecasting. Someone who wants to track monthly spending needs a separate tool.
What does Kubera track besides brokerage accounts?
Per kubera.com, Kubera tracks stocks, banks and brokerages, mutual funds and ETFs, cryptocurrency exchanges and wallets, DeFi positions, NFTs, staking and lending activity, private stock and LP positions with IRR tracking, and physical assets including real estate, precious metals, vehicles, and jewelry and watches. It also supports multi-currency holdings and ownership tagging across trusts, holding companies and multiple people.
This content is for educational purposes only and does not constitute financial, tax, or investment advice. Consult a licensed professional before making financial decisions. Helm Terminal is not a registered investment advisor.