Alternatives
Kubera alternative
Kubera Essentials costs $250 a year. NetWorthTrackr is free, tracks 31 currencies, and never asks for a bank credential — you enter balances yourself and listed holdings price themselves from public market data. Kubera is the more capable product; this page is about whether you need what the extra $250 a year buys.
What the subscription costs over time
What the subscription actually costs
Drag it out to ten years
Kubera
Essentials — $250/year
Paid after 5 years
$1,250
NetWorthTrackr
Every feature — $0/year
Paid after 5 years
$0
Kubera pricing read from kubera.com on 16 August 2026. Prices change — check theirs before deciding, and tell us if this is out of date.
Annual pricing is designed to be read one year at a time. Dragged out to the horizon you would actually hold a net worth tracker over — a decade, easily — Essentials is $2,500, and Kubera Black is $25,000. Their white-label product starts at $300 a month.
That is not an argument that Kubera is overpriced. It is a genuinely deep product and plenty of people get $250 a year of value from it. It is an argument that the number deserves to be looked at over the period you will actually pay it, against what you specifically need.
What $250 a year actually buys
Kubera is more capable than we are, and it is worth being precise about where, because these are the reasons to choose it rather than us.
Automation. Kubera connects to thousands of banks and brokerages worldwide through multiple aggregators, and ships a Web Sync browser extension for institutions without an API. That is real work we do not do at all — nothing in NetWorthTrackr updates a bank balance for you.
Estate planning.Their Dead Man's Switch delivers your portfolio to beneficiaries if you stop responding. If the thing you are solving for is your family being able to find everything, that feature alone can justify the price and we have no equivalent.
Private markets. LP positions with committed capital, calls, distributions and IRR; nested portfolios and ownership tags on the Black plan. If you hold fund interests, that instrumentation is not something a free tracker replaces.
Physical assets. Gold, real estate, vehicles, jewellery and watches with live price feeds and AI appraisal. We track all of those too, but you set the value yourself and revise it when you choose.
Where a manual tracker is genuinely better
What we do
- No bank credential is ever requested or stored
- 31 currencies at ECB reference rates, converted nightly
- Stocks, ETFs and crypto priced from public market data
- Every country works the same, because nothing connects
Free, with every feature switched on.
What we avoid
- An aggregator outage taking your dashboard with it
- A country coverage list deciding what you can track
- Re-authenticating connections every few months
- Paying annually for automation you may not need
The trade is real: you type the balances.
The coverage argument is the one that decides it for most people who switch. Any aggregator-based product has a list of supported institutions, and if your bank is not on it the automation you are paying for does not apply to that account. Manual entry has no list. A cooperative bank in Kerala, a pension in the Netherlands and a brokerage in Singapore are all tracked exactly the same way, because none of them are connected to anything.
The second is quieter: a connection is a standing permission. Bank credentials handed to an aggregator are credentials that exist somewhere to be leaked. We never ask for them, so there is nothing on our side to lose.
Who should stay on Kubera
Stay if you hold LP interests or private stock and want IRR tracked properly. Stay if the estate case matters and you want the Dead Man's Switch. Stay if you have enough accounts across enough supported institutions that typing balances is a genuine chore — past roughly twenty connected accounts, automation stops being a luxury.
Switch if you have a manageable number of accounts, hold assets in countries an aggregator half-covers, will not hand over bank logins, or simply do not want a recurring bill for a number you check once a month. That is most people, which is why this page exists — but it is not everyone, and it would be dishonest to pretend otherwise.
The cheapest way to decide is to try both. Kubera has a 14-day trial; we have no trial clock because there is nothing to expire.
NetWorthTrackr versus Kubera
| NetWorthTrackr | Kubera | |
|---|---|---|
| Price | Free, every feature | $250/yr Essentials · $2,500/yr Black |
| Bank credentials | Never requested | Connects to banks and brokerages |
| Country coverage | Any — nothing connects | Thousands of institutions worldwide |
| Balances update | You enter them | Automatically, plus Web Sync extension |
| Market pricing | US, EU, UK, German, Indian exchanges | Yes, plus AI appraisal on physical assets |
| Currencies | 31, ECB reference rates | Multi-currency |
| Private markets | Tracked as manual accounts | LP positions with calls and IRR |
| Estate handover | Export your data any time | Dead Man’s Switch to beneficiaries |
| Trial | None needed | 14 days |
Kubera does more, and for a portfolio full of fund interests, connected institutions and estate-planning requirements it earns its price. NetWorthTrackr wins on cost, on never touching a credential, and on working identically in countries no aggregator covers properly. If your net worth is a manageable list of accounts you are happy to type, the $250 a year is buying automation you would not use.
Common questions
Kubera lists Essentials at $250 a year and Black at $2,500 a year, with a white-label option from $300 a month and a 14-day trial. Figures read from kubera.com on 16 August 2026 — check their site before deciding, as pricing changes.
NetWorthTrackr is free with every feature included — no card, no trial clock and no paid tier. It tracks assets, liabilities, property and crypto across 31 currencies, and prices listed holdings automatically from public market data.
Automatic bank and brokerage syncing, the Dead Man’s Switch estate handover, LP position tracking with IRR, and AI appraisal on physical assets. Those are real features with no equivalent here. What you gain is no subscription, no bank credentials shared, and no dependence on whether your institution is supported.
No, and it never will — there is no Plaid, no open banking and no aggregator anywhere in the product. You enter balances yourself. Market-priced holdings such as stocks, ETFs and crypto update automatically from public prices, so the manual part is bank and property values rather than everything.
Broadly, yes — bank accounts, brokerages, property, vehicles, pensions, crypto, collectibles and every kind of debt. The difference is how the value arrives: listed holdings price themselves, everything else is a number you set and revise when you like.
Everything is free today with no paid tier and no card on file. If that ever changed we would say so plainly rather than converting accounts quietly, and your data is exportable at any time regardless.