Kubera 2026 review: Pros, cons, and alternatives

Kubera is a net worth and portfolio tracker that focuses on the ability to integrate all assets.

Tracking your net worth is one way to make sure you’re making financial progress. An increasing net worth indicates healthy saving and investing behaviors.

But if you’re a newer investor dabbling in asset classes outside of stocks and bonds (especially cryptocurrencies), you know that it’s getting harder to find accurate net worth trackers.

Kubera solves this problem for investors. But it carries a hefty monthly price, which means investors will need to be convinced of the value before signing up.

Here’s what you need to know about the tool.

Kubera is a “modern” wealth tracking app that allows users to track net worth and investment returns for all major investment categories. It allows users to track cryptocurrencies, global currencies, stocks, precious metals, and even assets such as cars, houses, URL value, and private stocks.

By giving users access to their overall financial picture in one place, Kubera ensures users understand their investments.

The app also acts as a storage vault for passwords and other important information. If you do not log into your account for a specified period, and do not respond to email inquiries, your assets will be transferred to a “trusted owner” (usually a trusted spouse or friend). This will ensure that all of your assets are transferred to a loved one instead of being locked away in a cryptocurrency wallet forever.

Related to: Average net worth of millennials by age

At launch, Kubera was only available on desktop, but it is now available on mobile as well as the Progressive Web App (PWA). Simply go to app.kubera.com on your phone (iOS or Android) and log in. The PWA does not require you to download anything to your device but provides a native, app-like experience.

In 2026, we named Kubera our Editor’s Choice for Best Money Apps for its ability to track assets across multiple categories and customize the dashboard.

A distinctive feature of Kubera is its connections to all major cryptocurrency exchanges and wallets and over 20,000 banks and brokers.

It converts all your assets into the currency of your choice. This type of tracking is very difficult, especially if you invest in a wide range of asset classes.

Kubera also allows manual entry of assets. This is useful if you own assets that are difficult to classify such as a share in a family business, land, or cryptocurrency.

Another unique feature is Kubera’s legacy planning tools. It requires users to respond to Life Pulse prompts by logging into the app or responding to emails. If too much time passes without a response, Kubera will pass your information to a “trusted landlord” or the person who will take over management of your estate upon your death.

The app allows users to place estate documents, life insurance policy numbers, passwords, and other legal documents in a secure vault, so that your beneficiary can access them upon your death. This is a unique and often overlooked angle in personal finance apps.

Kubera’s “spreadsheet-like” interface is intuitive for most users who need to manually enter data. But it also offers great charts and tracking tools for user dashboards.

Automated options for valuing cryptocurrencies, cars, houses, precious metals, and even URLs are also showing promising results for people investing in various assets. Kubera does not currently value artworks or NFTs, but you can add value manually.

What’s great is that Kubera uses multiple back-end connectivity tools so you can connect to almost any digital account — from your bank and brokerage, to the API that connects to your cryptocurrency wallet. Kubera connects to the following popular cryptocurrency wallets and exchanges:

Kubera is also the only tool we know of at this point that can easily track DeFi assets as well. You can track DeFi assets on multiple chains such as Ethereum (ETH, ERC20), BSC, and Polygon.

Finally, you can also track NFTs on the Ethereum blockchain!

It’s also great to see Kubera’s focus on estate planning. While most people don’t want to think about their death, it is important to plan for it. Kubera simplifies the process of handing over your assets once you’re gone.

Most financial apps try to do it all. Kubera doesn’t do that – it focuses exclusively on being a net worth and portfolio tracker. You won’t find budgeting tools, detailed portfolio analysis, or credit score monitoring.

It’s a one-stop shop for tracking your assets and net worth. But they don’t provide insights into how to spend smarter or save more. Such a strict focus is not necessarily a disadvantage, but it is important to understand.

Kubera is a subscription service that costs $199 per year. It offers a 14-day trial for $1.

Why fees? Unlike other services (Empower, etc.), Kubera focuses on privacy. They do not sell your information or use your information for advertising or sales. As such, your fees help cover the cost of all development and banking communications.

If you value privacy, this is a small fee to pay.

As shown in the screenshot above, Kubera also advertises that financial advisors can pay for subscriptions on behalf of their clients. However, you will have to work with your financial advisor on an individual basis to see if this is something your advisor recommends for you.

Kubera is one of the few wallet tracker apps capable of integrating with cryptocurrency wallets and exchanges. But it also offers fewer tools for goal tracking and retirement planning than other popular wealth trackers like YNAB and Empower (formerly Personal Capital). Here’s a closer look at how Kubera compares to these two alternative personal finance apps.

While Kubera impresses with its ability to track investments from a wide range of asset classes, the price can be difficult to digest. However, it solves a problem that modern investors face. This makes it one of our favorite portfolio and net worth trackers right now.

It is difficult and time consuming to track your net worth when you have cryptocurrencies, real estate, and stocks. It will be very difficult to pass these assets to your beneficiaries when your private keys are locked on a hard drive somewhere.

For investors who see value in Kubera’s offerings, the price of $15 per month (or $150 per year) may be worthwhile. But everyone else might want to track their net worth instead with an app that also offers budgeting or portfolio analysis tools.