Kubera review 2026

What is Kubera?

Kubera is a net worth tracker, sold by yearly subscription, that pulls your accounts and hand-entered assets into one balance sheet and shows your net worth over time. It's made by Kubera Apps, Inc., a San Francisco company that founder Rohit Nadhani built with Manoj and Umesh after two earlier companies together. Kubera says it has no investors and no sales team, and its terms say it isn't a registered financial advisor or broker-dealer.

Kubera isn't a budgeting app or a robo-advisor. Your money stays at your bank, brokerage, or wallet, and Kubera only reads the balances.

Who is Kubera for?

Kubera is for investors with crypto, property, or private investments, people with money in more than one country, and families who want a plan for who sees the accounts later. In each case, the balance sheet is too varied for a free dashboard to link in full.

Investors with crypto, property, or private investments get the most out of it. Kubera tracks wallets, exchanges, and DeFi positions, and it takes private funds, gold, homes, cars, and collectibles as entries you add yourself.

If you buy coins and bars, our APMEX review and JM Bullion review cover each dealer's costs, and APMEX vs JM Bullion compares them. Our Vaulted review covers gold an app stores for you.

People with money in more than one country can see every asset in its own currency and the total in the currency they pick. Kubera's aggregators cover the US and Canada plus the UK, Europe, the Middle East, parts of Asia, Australia, and New Zealand, so search for your non-US bank during the trial before you pay.

Families who want a plan for later can name beneficiaries who receive the balance sheet if the owner stops logging in. The next sections explain how that works.

Kubera pros and cons

Kubera's pros are one balance sheet for every kind of asset, deep crypto tracking, a business model with no ads, and beneficiary access. Its cons are the lack of a free plan, no budget, no advice, and prices that don't match across the web.

How Kubera tracks your net worth

Kubera tracks your net worth by pulling balances from the accounts you link, adding the values you enter by hand, and subtracting what you owe.² It connects through nine aggregators, including Plaid, Mastercard, MX, and Yodlee, and picks the best one for each institution. Kubera says it never sees your bank login and can't move money, because the aggregators send it a read-only feed.

When an institution won't connect, Kubera's Web Sync reads the balance off the bank's website, or you can track stocks and funds by ticker. For a home or car, you can give Kubera the address or VIN and it fetches an estimated value. Other hand-entered values, such as a private fund, only stay current if you update them.

Crypto, private investments, and other currencies get more depth than in most trackers. Kubera tracks committed capital, capital calls, distributions, and IRR on private funds, and it can show your net worth in any currency, or in Bitcoin. Kubera's terms say cost basis and similar figures may be estimated or incomplete, so check them against your brokerage's records.

Beneficiary access works through a feature Kubera calls the Dead Man's Switch. After 45 days without a login, or a period you set, Kubera sends 5 reminder emails over 10 days, and if you don't answer, it emails your beneficiaries a downloadable copy of your portfolio and documents. Tell the people you name that the account exists, keep passwords and account numbers out of the document vault, and remember that Kubera is a record, not a will or a beneficiary form on the account itself.

How much does Kubera cost?

Kubera costs $250 a year for Essentials, $2,500 a year for Black, and $10,000 a year for VIP, according to its pricing page on October 25, 2026. The price depends on how complex your wealth is, not how much you have.

Prices as Kubera's pricing page showed them on October 25, 2026.

Essentials covers one person's balance sheet, including crypto, property, multiple currencies, and the Dead Man's Switch. You need Black only to split assets across trusts, holding companies, or several owners, or to give someone access to one portfolio but not the others. At $250 a year, Kubera costs more than Empower's free dashboard and slightly more than CFO Silvia Pro at $200 a year, as the Empower review and CFO Silvia review explain.

How much does it cost to leave Kubera?

Leaving Kubera costs nothing beyond the subscription you've paid, but Kubera doesn't refund the current period, except where the law requires or case by case.³ Plans renew automatically, so cancel in your account settings, or by contacting Kubera, before the renewal date. You keep access until the end of the period you paid for.

Export first. Kubera lets you download your balance sheet to a spreadsheet at any time, and your hand-entered assets and history won't move to another app on their own.

When you delete your account, Kubera removes your data from its main database right away, tells its aggregators to disconnect your accounts, and clears backups within 30 days. That also ends the Dead Man's Switch, so tell the people you named. Your money never moves, because Kubera only reads balances.

Is Kubera worth it in 2026?

Kubera is worth it in 2026 for investors whose wealth doesn't fit a free dashboard. Reviewers praise its design and how much it covers, and the ones who score it lower mostly fault the price, not what it tracks.

That split makes sense. Kubera is a record of what you own, and it doesn't budget, advise, or invest, so its value depends on how much of your net worth sits outside the accounts a free dashboard links well.

Kubera is worth it if a large share of your net worth is crypto, property, private investments, or money abroad, or if you want the Dead Man's Switch. Start with the 14-day trial and Essentials before you consider Black. It's not the right fit if your money is mostly in US bank and brokerage accounts, where Empower's dashboard is free, or if you want a budget.

Kubera vs the alternatives

Kubera vs the alternatives comes down to what you hold, whether you want a budget, and whether you'll pay for a tracker at all.

Kubera's prices from its pricing page; Empower's and CFO Silvia's from Tweed's reviews of each, October 2026.

Kubera vs Empower is a choice between a yearly fee and a free dashboard that's strongest on US bank, brokerage, and retirement accounts. Kubera covers crypto, property, and other currencies in more depth, and linking $100,000 or more to Empower often brings calls from its advisors. The Empower alternatives guide covers other free options.

Kubera vs Monarch Money comes down to the budget. Monarch Money is a budgeting app that also shows net worth, and Kubera skips budgeting to go deeper on assets outside bank accounts. Our Monarch Money review covers Monarch's two plans, and CFO Silvia vs Monarch Money sets it against an AI CFO.

Kubera vs CFO Silvia is closer, because CFO Silvia also tracks property, crypto, and vehicles, and it adds AI answers with a free plan and Pro at $200 a year. Neither is a registered investment adviser. For an SEC-registered adviser reading your accounts, see the Mezzi review.

For six more options, from free dashboards to planners, see our Kubera alternatives guide. If you buy private deals to track here, our Willow Wealth review covers one platform that sells them.

Before you pay for a tracker, add up what you own and owe once in the Tweed Net Worth Calculator, then project that total to retirement in the Tweed Retirement Calculator. To compare your total with others your age, see net worth by age.