6 best Kubera alternatives in 2026
By Nicolas Straut
Key takeaways
- Kubera is a paid net worth tracker with no free plan after its 14-day trial, and its plans start at $250 a year.1
- When choosing a Kubera alternative, start with what you hold, because most free dashboards link US bank and brokerage accounts well but track crypto, property abroad, and private investments poorly.
- The best Kubera alternatives are Empower, CFO Silvia, and Mezzi, because Empower's dashboard is free, CFO Silvia tracks property and crypto with AI answers, and Mezzi adds an SEC-registered adviser.
In this article
Key takeaways
- Kubera is a paid net worth tracker with no free plan after its 14-day trial, and its plans start at $250 a year.1
- When choosing a Kubera alternative, start with what you hold, because most free dashboards link US bank and brokerage accounts well but track crypto, property abroad, and private investments poorly.
- The best Kubera alternatives are Empower, CFO Silvia, and Mezzi, because Empower's dashboard is free, CFO Silvia tracks property and crypto with AI answers, and Mezzi adds an SEC-registered adviser.
The closest Kubera alternatives are Empower's free Personal Dashboard for linked accounts, CFO Silvia for tracking every asset with AI answers, and Mezzi for registered advice on your investments. Origin adds budgeting, ProjectionLab plans without linking, and Evergreen.ai builds a free AI plan. This guide compares six apps like Kubera on price and what each one tracks.
Why look for a Kubera alternative?
People look for a Kubera alternative for three reasons: they don't want to pay a yearly fee for tracking, they want a budget or advice that Kubera doesn't give, or their money sits mostly in accounts a free app links well. Kubera has no free plan after its 14-day trial, and Essentials, its lowest plan, costs $250 a year. Black costs $2,500, and VIP, which adds a person who fixes your connections and data, costs $10,000.
Kubera calls itself a balance sheet, not a budget, and its terms say it isn't a registered financial advisor. Origin covers budgeting, and Mezzi and Evergreen.ai give advice from SEC-registered advisers. Tweed's Kubera review covers each plan and the trial.
If your net worth is mostly US bank, brokerage, and retirement accounts, a free dashboard can link them. Kubera's strengths are crypto, property, private investments, and money in other currencies, so list what you own before you switch (Step 1 below).
Best Kubera alternatives at a glance
The best Kubera alternatives and competitors at a glance, with Kubera in the first row for comparison.
| App | Best for | Tracks crypto and property | Budgeting | SEC-registered adviser | Yearly price | Links your accounts |
|---|---|---|---|---|---|---|
| Kubera | Tracking every asset type | Yes | No | No | Essentials $250; Black $2,500; VIP $10,000 | Yes |
| Empower | A free dashboard | Crypto entered by hand; homes from Zillow | Basic | Advisory tier only | Dashboard free; advice 0.89% of assets from $100,000 | Yes |
| CFO Silvia | AI answers across every asset | Yes; property entered by hand | No | No | Free; Pro $20 a month or $17 a month billed yearly; Max $200 a month | Yes, read-only |
| Mezzi | Registered advice on your investments | Not stated | Expense tracking | Yes, CRD 337818 | Free; Advisory $399; Concierge $999 | Yes |
| Origin | Budgeting with net worth | Homes from Zillow | Yes | Yes, through Origin Investment Advisory, CRD 305353 | $99 after a $1 first year | Yes, read-only |
| ProjectionLab | Planning without linking accounts | Any asset, entered by hand | No | No | Basic free; Premium $129 | No |
| Evergreen.ai | A free AI financial plan | Real estate in the plan | No | Yes, Evergreen Wealth Advisors, CRD 326535 | Free through January 1, 2028 for beta sign-ups | Optional |
Prices as each company published them in October 2026, and subject to change.
The best Kubera alternatives reviewed
Each Kubera alternative below gets the same six facts, so you can compare them on the points that decide a switch.
1. Best free alternative: Empower
Ideal for
Someone whose money is mostly in US bank, brokerage, and retirement accounts and who wants Kubera's net worth view without the yearly fee.
Our take
Empower is the Kubera alternative for a free tracker, because its Personal Dashboard links your accounts and totals your net worth at no cost. Its advisory tiers start at $100,000 and charge a percentage of the assets they manage.2 Below $1 million that fee is 0.89% a year.
Property and crypto take more work than in Kubera. Empower pulls a home's value from Zillow only if the home is listed there, and you enter crypto by hand, with prices updated every 8 hours. Linking $100,000 or more often brings calls from its advisors, as the Empower review explains, and Mezzi vs Empower compares its fee with a flat price.
| Spec | Empower |
|---|---|
| Category | Free dashboard with a paid advisory business |
| Best for | A free dashboard |
| Tracks crypto and property | Crypto entered by hand; homes from Zillow |
| Budgeting | Basic |
| SEC-registered adviser | Advisory tier only |
| Yearly price | Dashboard free; advice 0.89% of assets from $100,000 |
| Links your accounts | Yes |
Pros
- The dashboard costs nothing
- Links most US banks and brokerages
- Human advisors from $100,000
Cons
- Advice costs 0.89% a year under $1 million
- Sales calls after linking
- Sign-up asks for a US mobile number
2. Best for AI answers across every asset: CFO Silvia
Ideal for
A Kubera user who tracks property, vehicles, and crypto and wants to ask questions about the whole balance sheet.
Our take
CFO Silvia is the Kubera alternative for AI answers, because it links accounts and crypto wallets, takes property and vehicles by hand, and answers questions about all of them. It has a free plan, Pro at $20 a month or $17 a month billed yearly, and Max at $200 a month.3 The company now brands the app as Silvia.
CFO Silvia isn't on the SEC's adviser register, and its FAQ says its information is for educational purposes only and is not financial advice. The CFO Silvia review covers its security and each plan, and CFO Silvia alternatives lists apps that add a registered adviser.
| Spec | CFO Silvia |
|---|---|
| Category | AI personal finance app |
| Best for | AI answers across every asset |
| Tracks crypto and property | Yes; property entered by hand |
| Budgeting | No |
| SEC-registered adviser | No |
| Yearly price | Free; Pro $20 a month or $17 a month billed yearly; Max $200 a month |
| Links your accounts | Yes, read-only |
Pros
- A free plan you can keep
- Links crypto exchanges and self-custody wallets
- Read-only access to every account you connect
Cons
- Not a registered adviser
- Max costs $2,400 a year
- Property, vehicles, and art are entered by hand
3. Best for registered advice on your investments: Mezzi
Ideal for
An investor with brokerage and retirement accounts at several firms who wants an SEC-registered adviser reading them, which Kubera doesn't offer.
Our take
Mezzi is the Kubera alternative for registered advice, because it links your investment accounts and has been on the SEC's adviser register since September 25, 2025.4 Advisory costs $399 a year and Concierge $999.5 The free tier connects all your assets and liabilities, with limited AI insights.
Mezzi is built around investments, and its site doesn't say how it handles crypto, property, or private assets, so check those before you cancel Kubera. Its connections are read-only, so you still place every trade yourself. The Mezzi review covers each plan.
| Spec | Mezzi |
|---|---|
| Category | AI investment adviser app |
| Best for | Registered advice on your investments |
| Tracks crypto and property | Not stated |
| Budgeting | Expense tracking |
| SEC-registered adviser | Yes, CRD 337818 |
| Yearly price | Free; Advisory $399; Concierge $999 |
| Links your accounts | Yes |
Pros
- Registered with the SEC since 2025
- The free tier connects every account
- Flags wash sales across institutions
Cons
- Can't place trades for you
- Built around investments, not your whole balance sheet
- The free tier limits AI insights
4. Best for budgeting with net worth: Origin
Ideal for
A household that wants Kubera's net worth view plus the budget Kubera doesn't have, in one app.
Our take
Origin is the Kubera alternative for budgeting, because it builds a budget from your spending and tracks net worth, including Zillow home values, for $99 a year after a $1 first year. The $1 year is a limited-time offer for new members. Its AI Advisor runs through Origin Investment Advisory LLC, an SEC-registered adviser.
CFP sessions, wills, and trusts cost extra. The Origin Financial review covers the renewal price and what leaving costs.
| Spec | Origin |
|---|---|
| Category | Budgeting and planning app with an AI advisor |
| Best for | Budgeting with net worth |
| Tracks crypto and property | Homes from Zillow |
| Budgeting | Yes |
| SEC-registered adviser | Yes, through Origin Investment Advisory, CRD 305353 |
| Yearly price | $99 after a $1 first year |
| Links your accounts | Yes, read-only |
Pros
- Budgeting and net worth in one app
- Home values from Zillow
- $99 a year after the first year
Cons
- Human CFP sessions cost extra
- No free trial during the $1 promotion
- Holds money only if you invest through Origin
5. Best for planning without linking accounts: ProjectionLab
Ideal for
A FIRE saver or privacy-minded investor who wants to model where the balance sheet goes without linking any account.
Our take
ProjectionLab is the Kubera alternative for planning without linking, because you enter balances by hand and it never asks for account numbers. It then projects your balances forward with Monte Carlo simulations. Basic is free and includes Monte Carlo, and Premium costs $129 a year, billed annually only.
Boldin does similar retirement planning and lets you link accounts on PlannerPlus, which costs $168 a year for new subscribers from October 15, 2026. The ProjectionLab review and the Boldin review cover each planner, and Boldin vs ProjectionLab compares them side by side.
| Spec | ProjectionLab |
|---|---|
| Category | Financial planning software |
| Best for | Planning without linking accounts |
| Tracks crypto and property | Any asset, entered by hand |
| Budgeting | No |
| SEC-registered adviser | No |
| Yearly price | Basic free; Premium $129 |
| Links your accounts | No |
Pros
- A free Basic plan with Monte Carlo
- No account linking or account numbers
- Downloadable reports on Premium
Cons
- You update balances by hand
- Premium is sold yearly only
- Setup takes longer than linking an app
6. Best free AI financial plan: Evergreen.ai
Ideal for
Someone who wants a plan built from their whole picture, including their home, before paying for a tracker or an advisor.
Our take
Evergreen.ai is the Kubera alternative for a free AI plan, because it's free through January 1, 2028 for people who register during its beta. It's a service of Evergreen Wealth Advisors, an SEC-registered adviser, and comes from Bill Harris, the founder of Personal Capital. You can start by asking questions and link accounts later.
Evergreen.ai plans and answers questions rather than tracking a balance sheet day to day. Neither its homepage nor its Form CRS says what it costs after January 1, 2028. The Evergreen.ai review covers what the plan includes.
| Spec | Evergreen.ai |
|---|---|
| Category | AI financial planning app |
| Best for | A free AI financial plan |
| Tracks crypto and property | Real estate in the plan |
| Budgeting | No |
| SEC-registered adviser | Yes, Evergreen Wealth Advisors, CRD 326535 |
| Yearly price | Free through January 1, 2028 for beta sign-ups |
| Links your accounts | Optional |
Pros
- Free through January 1, 2028 for beta sign-ups
- A registered adviser behind the advice
- Account linking is optional
Cons
- No published price after the beta
- A plan, not a daily net worth tracker
- Launched in September 2026, so its track record is short
Methodology for choosing the best Kubera alternatives
Our methodology for choosing the best Kubera alternatives started from the apps Google's AI Overview, Reddit threads, Kubera's own comparison page, and other Kubera alternatives reviews name. We kept apps Tweed has reviewed and a US investor can use.
We read each finalist's price on its own site in October 2026, checked its SEC registration on the adviser register, and checked whether it tracks crypto and property. Then we picked one app per job a Kubera user would switch for. Reddit and App Store reviews informed the cons and didn't change the order.
How to choose a Kubera alternative in 4 steps
To choose a Kubera alternative, list what you own, decide whether you need a budget or advice, and export your data before Kubera renews.
Step 1: List what you own that a free app can't link
List what you own that a free app can't link: crypto wallets, property, private investments, and accounts outside the US. If those private investments came from a platform like Willow, our Willow Wealth review explains what it sells. Check each alternative's supported institutions and manual asset types for every item on that list before you cancel Kubera.
Step 2: Decide whether you need a budget
Decide whether you need a budget before you pick, because Kubera, CFO Silvia, and ProjectionLab don't budget. If you want spending tracked, Origin builds a budget from your linked accounts, and Empower's dashboard shows a basic one. For a lower-cost paid budget, our Quicken Simplifi review covers what Simplifi costs after its first year.
Step 3: Decide whether you want advice
Decide whether you want advice you'll act on, because Kubera gives none. If you do, pick an app on the SEC's adviser register and look up its CRD number, as the best AI financial advisors guide explains.
A flat fee costs less than a percentage fee once your balance passes the fee divided by the rate. Mezzi Advisory at $399 a year costs less than a 1% fee above $39,900, since $399 / 1% = $39,900.
Step 4: Export from Kubera before it renews
Export from Kubera before it renews, because its terms say a subscription renews automatically and paid fees are non-refundable except where the law requires it or Kubera agrees case by case. Kubera lets you download your data in the app, so save your balance sheet and history, then re-enter hand-entered assets in the new app.
Add up what you own and owe before you pay for any tracker, then project that total with the Tweed Retirement Calculator. To see how your total compares with other people your age, read net worth by age.
Frequently asked questions about Kubera alternatives
Can a spreadsheet replace Kubera?
A spreadsheet can replace Kubera if you'll update every balance by hand. It costs nothing and keeps your data off anyone's servers, so Reddit threads often recommend one. You lose automatic syncing, live crypto prices, and Kubera's Dead Man's Switch, which sends your portfolio to beneficiaries if you go silent, so set a monthly reminder to update it.
What do free Kubera alternatives leave out?
Free Kubera alternatives leave out some of the work Kubera does for you. Empower's free dashboard has you enter crypto by hand and values only homes listed on Zillow. CFO Silvia's and Mezzi's free plans cap the AI questions, and ProjectionLab Basic has you type in every balance and keeps downloadable reports for Premium.
Is there an open-source alternative to Kubera?
Ghostfolio is an open-source alternative to Kubera, released under the AGPLv3 license, that you can host yourself with its official Docker images. It tracks stocks, ETFs, and crypto. Its paid cloud version, Ghostfolio Premium, skips the setup, and its README doesn't list property or other physical assets, which Kubera tracks.
Sources
- https://www.kubera.com/#price
- https://www.empower.com/products-solutions/wealth-management
- https://www.cfosilvia.com/#pricing
- https://adviserinfo.sec.gov/firm/summary/337818
- https://www.mezzi.com/pricing
Personal finance writer, former Forbes contributor and This Week in Fintech writer. He isn't a financial advisor or a CPA.
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