Short answer: the best Kubera alternative depends on why you are leaving. If you want the same "everything I own in one place" net-worth view across stocks, crypto, real estate, gold and loans in several currencies, but without paying $250 a year, Agni Folio is the closest match with a free plan. If you want automatic bank syncing for US accounts at no cost, pick Empower. If budgeting matters as much as investing, pick Monarch. For dividend and tax reports, Sharesight. For maximum privacy, Capitally or self-hosted Ghostfolio.
Kubera is a well-built net-worth tracker. It connects to thousands of banks and brokers, values hard-to-price assets, and hands your portfolio to a beneficiary if something happens to you. But it costs $250 per year for Essentials and $2,500 per year for Black, with no free plan. For many investors that is a lot to pay for a dashboard, and some of the things they actually want, such as tax reports, dividend tracking or a full transaction history, are not part of it.
This guide compares the 8 best Kubera alternatives in 2026, with honest pros and cons for each, including where Kubera is still the better choice. All prices were checked in September 2026.
Kubera Alternatives at a Glance
| Tool | Price per year | Free plan | Best for | Crypto | Real estate & alternatives | Multi-currency | Bank / broker auto-sync |
|---|---|---|---|---|---|---|---|
| Kubera (for reference) | $250 (Essentials) / $2,500 (Black) | No (14-day trial) | Hands-off net worth for complex wealth | Yes | Yes | Yes | Yes (Plaid, Yodlee, MX and others) |
| Agni Folio | Free, or $29.99 Premium | Yes, unlimited holdings | Multi-asset, multi-currency net worth on a budget | Yes (7 exchanges + Ethereum wallets) | Yes | Yes (20 display currencies) | No (statement import + AI parser) |
| Empower | Free | Yes | Free US net worth and retirement planning | Limited | Manual only | Mostly USD | Yes |
| Monarch Money | $99.99 (Core) / $199 (Plus) | No (7-day trial) | Budgeting plus investments for households | Via linked accounts | Manual only | Limited | Yes |
| Sharesight | $84 – $279 | Yes (10 holdings) | Dividends, performance and tax reports | Limited | Custom investments only | Yes | Broker imports |
| Capitally | €80 – €250 | No (14-day trial) | Privacy and transaction-level analysis | Yes | Yes | Yes, with FX attribution | No (statement import by design) |
| Ghostfolio | Free (self-hosted) / $48 (cloud Premium) | Yes | Open-source, self-hosted tracking | Yes | Limited | Yes | No |
| getquin | €89.99 (Premium) / €149.99 (Wealth) | Yes | European multi-broker investors | Yes | Limited | Yes | Yes (EU banks and brokers) |
| Spreadsheet | Free | Yes | DIY users who want full control | Manual | Manual | Manual formulas | No |
Why People Look for a Kubera Alternative
1. The price
Kubera charges one flat price regardless of portfolio size: $250 a year for Essentials and $2,500 a year for Black (which adds nested portfolios, ownership tags and VIP support). Over five years that is $1,250 on Essentials. For someone with $10 million across trusts and entities, that is cheap. For someone building a $200,000 portfolio, it is a meaningful drag, and there is no free tier to start on.
2. It tracks balances, not transactions
Kubera is a balance sheet. It shows what each account is worth today, but it does not keep a full transaction ledger. That means no lot-level cost basis, no capital gains report, and no dividend or income tracking. If you want to know your real return on a holding, or produce numbers for your tax return, you need a different tool alongside it.
3. Aggregator coverage outside the US is uneven
Kubera's biggest strength is automatic syncing through aggregators like Plaid, Yodlee, MX and SnapTrade. Those networks are strongest in the US, Canada and parts of Europe. Investors in India, Singapore, the Middle East and much of Asia often end up entering balances manually, which removes the main reason to pay for Kubera.
4. Privacy concerns about aggregators
For some institutions, connecting through an aggregator means entering your bank or broker login on a third-party screen. Some investors are simply not comfortable with that, and prefer a tool that works from statements they upload themselves.
What Kubera Still Does Better
A fair comparison has to say this: Kubera is excellent at what it sets out to do. Before you switch, check whether you rely on any of these:
- Automatic syncing with 20,000+ institutions through several aggregators, with a router that picks the best connection for each bank.
- Valuing hard-to-price assets: AI Appraiser for art, watches, jewellery and vehicles, Zillow values for US homes, and a Carta integration for startup equity.
- Multi-entity structures on Kubera Black: nested portfolios per person, trust or company, with ownership tags.
- Document vault with end-to-end encryption for files you upload, plus two-factor authentication.
- Club Benchmarks, which compares your allocation with anonymised Kubera users at a similar net worth.
If you are a US-based family with trusts, LLCs and dozens of linked accounts, Kubera Black may well be worth $2,500. The alternatives below are for everyone else.
The 8 Best Kubera Alternatives, Reviewed
1. Agni Folio: Best Free Kubera Alternative for Multi-Asset, Multi-Currency Investors
Website: agnifolio.com
Price: Free plan with unlimited holdings. Premium is $29.99 a year (₹2,499 in India).
Agni Folio covers the same ground as Kubera, which is a single net-worth view across every kind of asset and liability. Most of it is available free, and the only paid tier costs about an eighth of Kubera Essentials. It was built for investors whose money is spread across countries and asset classes: NRIs, expats, people holding Indian mutual funds alongside US stocks and a crypto exchange account.
Pros
- Free plan that covers the whole tracker. Every asset class, unlimited holdings, AI chat, crypto exchange sync, AI statement import, FIRE calculators and legacy planning with one nominee all cost nothing. Premium adds unlimited nominees, an Indian capital gains report, a Schedule FA foreign-assets report and a stronger AI model for statement import.
- Very wide asset coverage. Stocks, ETFs, mutual funds, bonds, fixed deposits, real estate, gold and silver, jewellery, private equity, PMS and AIFs, art, vehicles, insurance policies, retirement accounts (401(k), EPF, CPF), money you have lent, and nine types of loans.
- Built for more than one currency. Choose from 20 display currencies, including USD, INR, SGD, AED, GBP, EUR, AUD and CAD. Holdings in about 160 other currencies are converted automatically using daily exchange rates. See our guide to multi-currency portfolio management.
- Automatic prices across global markets, including US, India (NSE, BSE and AMFI mutual fund NAVs), Singapore, UK, Europe, Hong Kong, Japan, Australia and Canada.
- Read-only crypto sync for Binance, Coinbase, Kraken, KuCoin, Bybit, OKX and HTX, plus watch-only tracking of Ethereum wallet addresses (useful for tokenized shares). Exchange API keys are stored with AES-256-GCM encryption.
- AI that knows your portfolio. Astra, the built-in assistant, can answer questions about your holdings, performance and FIRE progress, and add or edit entries for you. An MCP server lets you connect Claude or ChatGPT to your portfolio as well.
- No bank passwords. You import data by pasting statement text or uploading CSV, Excel, PDF or image files (including Indian CAS statements). The AI parser proposes rows and nothing is saved until you confirm them.
- Estate planning included. Set up alive checks with an inactivity period. If you stop responding, your nominee receives your asset map through a verified process. There is also a free will builder that exports a PDF. More in our digital estate planning guide.
- Per-holding XIRR, so returns reflect when each SIP or top-up actually went in. See how XIRR works.
Cons
- No automatic bank or broker linking. There is no Plaid or Yodlee connection. Balances update from market prices and exchange sync, but new transactions come from statements you import. If automatic bank syncing is the main thing you pay Kubera for, this is the biggest difference.
- No native mobile app. Agni Folio is a web app that you can install on your phone's home screen (a PWA). Kubera is also PWA-only, so this is not a step down, but neither is it an app-store app.
- No two-factor authentication yet. Sign-in is with Google or a one-time email code, and sensitive actions such as legacy transfers ask for a code. Kubera offers 2FA.
- No multi-entity or advisor views. There is nothing like Kubera Black's nested portfolios for trusts and companies, and no advisor dashboard.
- No document vault for general files.
Best for
Individuals, couples, NRIs and expats who hold many kinds of assets in several currencies and want Kubera-style coverage without paying $250 a year. It is especially strong if you hold Indian investments alongside international ones.
2. Empower Personal Dashboard: Best Free Alternative for US Account Syncing
Website: empower.com
Price: Free. The optional advisory service charges a percentage of assets managed.
Empower (formerly Personal Capital) is the most popular free net-worth tracker in the US. Link your bank, brokerage and retirement accounts and it builds a live dashboard with allocation, fees and a retirement planner.
Pros
- Completely free dashboard with automatic account syncing.
- Strong retirement planner and a well-regarded investment fee analyser.
- Native iOS and Android apps.
Cons
- Built around US institutions and USD, so it is weak for international investors.
- Real estate, private assets and collectibles are manual entries with little support.
- The business model is its wealth management service. Expect calls from advisors once your balances are large enough.
- No estate handover feature.
Best for
US investors with mostly standard accounts (401(k), IRA, brokerage, bank) who want automatic syncing at no cost.
3. Monarch Money: Best Kubera Alternative If You Also Budget
Website: monarch.com
Price: $99.99 a year (Core) or $199 a year (Plus). 7-day free trial.
Monarch is a budgeting app first, with good net-worth and investment tracking on top. It is popular with couples because two people can share one household workspace.
Pros
- Excellent budgeting, cash-flow tracking and savings goals.
- Shared household access for partners.
- Automatic account syncing and polished native apps.
- Less than half the price of Kubera Essentials.
Cons
- Investment analysis is basic next to specialist tools (deeper analysis is on the $199 Plus plan).
- Alternatives, real estate and crypto outside linked accounts are manual.
- Aimed at US and Canadian users; limited multi-currency support.
Best for
Households who want spending, budgets and net worth in one app, and whose wealth is mostly in linked US accounts.
4. Sharesight: Best for Dividends, Performance and Tax Reports
Website: sharesight.com
Price: Free for one portfolio and 10 holdings. Paid plans from $84 to $279 a year.
Sharesight fills the biggest gap in Kubera: it tracks every trade and dividend, so it can report true performance and produce tax-ready capital gains and income reports.
Pros
- Accurate performance that includes dividends, splits, fees and currency moves.
- Tax reports for several countries, including capital gains and taxable income.
- Broad coverage of global stock exchanges and good multi-currency handling.
Cons
- Focused on listed investments. Real estate, loans and collectibles are not its job, so it does not give you a full net-worth picture.
- The free plan's 10-holding limit is small.
- The mobile app is read-only.
Best for
Dividend and stock investors who care most about accurate returns and tax time.
5. Capitally: Best for Privacy and Transaction-Level Analysis
Website: mycapitally.com
Price: €80, €130 or €250 a year. 14-day trial.
Capitally is the opposite of Kubera in philosophy. It does not use aggregators at all. You import broker statements, it keeps the full transaction history, and your data is encrypted on your device so even Capitally cannot read it.
Pros
- End-to-end encryption with a key that never leaves your device.
- Full transaction ledger, several cost-basis methods and tax reports for about 11 countries.
- Separates currency return from asset return, which matters for international portfolios.
- Handles options, loans, P2P lending and real estate with rental income.
Cons
- No automatic syncing, so setup takes longer.
- No AI features. Its encryption model rules them out.
- No free plan, and a steeper learning curve than Kubera.
Best for
Privacy-focused investors who want deep analytics and a history that holds up at tax time.
6. Ghostfolio: Best Open-Source Kubera Alternative
Website: ghostfol.io
Price: Free to self-host. Managed cloud Premium is $48 a year.
Ghostfolio is an open-source wealth tracker you can run on your own server with Docker, or use as a hosted service.
Pros
- Free and open source, with full control over your data when self-hosted.
- Unlimited accounts and transactions, performance benchmarks and a FIRE calculator.
- Cheap hosted option if you do not want to run a server.
Cons
- Self-hosting means you handle setup, updates and backups.
- Mainly for listed investments and crypto; weaker for real estate, loans and physical assets.
- No automatic bank syncing and no estate handover.
Best for
Technical investors who want an open-source tool they fully control.
7. getquin: Best for European Multi-Broker Investors
Website: getquin.com
Price: Free plan. Premium €89.99 a year, Wealth €149.99 a year.
getquin connects to European banks and brokers and combines them into one portfolio view with dividend tracking and a community feed.
Pros
- Free plan with bank and broker connections.
- Good dividend tracking and forecasting on Premium.
- AI portfolio analysis and retirement planning on paid plans.
Cons
- Connections are strongest in Germany and the rest of Europe; coverage elsewhere is thin.
- Limited support for real estate, private assets and loans.
- No estate handover feature.
Best for
European investors with accounts at several brokers who want automatic syncing and dividend insights.
8. A Spreadsheet: The Zero-Cost DIY Option
Price: Free (Google Sheets or Excel).
Many people come to Kubera from a spreadsheet, and some go back. With GOOGLEFINANCE for prices and a few formulas, you can build a basic net-worth tracker in an afternoon.
Pros
- Free, private and completely flexible.
- No vendor lock-in; your data is yours.
Cons
- Every balance, split, bonus issue and exchange rate is manual work.
- Price formulas break without warning, and XIRR across hundreds of cash flows is easy to get wrong.
- If something happens to you, your family has to find and understand the file.
Best for
Hands-on investors with simple portfolios who enjoy maintaining their own system. See why most portfolio trackers (and spreadsheets) fail investors.
Agni Folio vs Kubera: Head-to-Head
| Kubera | Agni Folio | |
|---|---|---|
| Price | $250/yr (Essentials), $2,500/yr (Black) | Free, or $29.99/yr Premium |
| Free plan | No, 14-day trial | Yes, unlimited holdings |
| How data gets in | Automatic sync via aggregators, plus manual entry and AI import | Statement and file import with an AI parser, manual entry, crypto exchange API sync |
| Asset coverage | Very wide, with AI valuation of collectibles and Zillow home values | Very wide, including Indian instruments (MFs, FDs, EPF, PMS, AIF) |
| Transaction history and returns | Balances only; IRR if you enter cash flows | Transaction ledger with per-holding XIRR |
| Tax reports | Rough estimate only | Indian capital gains and Schedule FA reports (Premium) |
| AI | AI Import, AI Appraiser, MCP access | Astra portfolio assistant, AI statement import, MCP server |
| Estate handover | Yes, beneficiary access | Yes, alive checks, nominee transfer and a will builder |
| Multi-entity (trusts, companies) | Yes, on Black | No |
| Security | 2FA, encrypted document vault | Google or email-code sign-in, encrypted exchange keys; no 2FA yet |
| Mobile | Web app (PWA) | Web app (PWA) |
The bottom line: choose Kubera if automatic syncing with US institutions or multi-entity structures justify $250 to $2,500 a year. Choose Agni Folio if you want the same breadth of assets and currencies, proper returns on each holding, and estate planning, and you are happy to import statements instead of linking bank logins.
How to Choose the Right Kubera Alternative
- "I want a free, all-assets net-worth tracker, and I hold money in more than one country." Agni Folio.
- "I only have US accounts and want them synced automatically for free." Empower.
- "I want budgeting and net worth together with my partner." Monarch.
- "I need accurate returns, dividends and tax reports for my stocks." Sharesight.
- "Privacy is my top priority." Capitally, or Ghostfolio self-hosted.
- "My brokers are in Europe." getquin.
- "I have trusts, LLCs and a family office." Stay on Kubera Black, or look at family-office software.
How to Move from Kubera to Agni Folio
- Export from Kubera. Download your portfolio from Kubera as a spreadsheet, and download recent statements from your brokers, banks and fund houses.
- Create a free account at agnifolio.com by signing in with Google or an email code.
- Import. Open the importer and upload your CSV, Excel or PDF files, or paste statement text. The AI parser identifies each holding, date, quantity and cost.
- Review before saving. Check the proposed rows and edit anything that looks off. Nothing is added to your portfolio until you confirm.
- Connect crypto exchanges with read-only API keys, and add real estate, gold, loans and other assets that do not have statements.
- Set up a nominee so your family can find everything if they ever need to.
Frequently Asked Questions
What is the best free alternative to Kubera?
For a full multi-asset, multi-currency net-worth tracker, Agni Folio is the best free alternative to Kubera. Its free plan includes unlimited holdings across stocks, funds, crypto, real estate, gold and loans, plus AI chat and estate planning. If you only need automatic syncing of US accounts, Empower's free dashboard is the other strong option.
How much does Kubera cost in 2026?
Kubera Essentials costs $250 a year and Kubera Black costs $2,500 a year, with a 14-day trial and no free plan. A white-label plan for financial professionals starts at $300 a month.
Is there a cheaper alternative to Kubera with the same features?
Agni Folio covers most of the same ground, including every asset class, many currencies, crypto sync, AI and estate handover, on a free plan, with Premium at $29.99 a year. The main things it does not offer are automatic bank syncing and multi-entity structures.
Does Kubera track taxes or dividends?
Not in detail. Kubera tracks current balances rather than every transaction, so it does not produce capital gains reports or dividend income reports. Sharesight and Capitally are built for that, and Agni Folio's Premium plan adds Indian capital gains and Schedule FA reports.
Which Kubera alternative is best for NRIs and expats?
Agni Folio is designed for investors with money in more than one country. It supports 20 display currencies, converts about 160 currencies automatically, prices Indian mutual funds and stocks as well as global markets, and imports Indian CAS statements.
Is Kubera worth it?
Kubera is worth it if you have complex, mostly US-based wealth, rely on automatic syncing with many institutions, or need multi-entity views on Kubera Black. If your accounts cannot be synced automatically anyway, or you want tax and return reporting, a cheaper alternative will usually serve you better.
Want Kubera-style net-worth tracking without the $250 bill? Start free with Agni Folio. Setup takes a few minutes and no card is required.
