Kubera Alternative: When NetWorthy Fits Better (and When It Doesn't)
An honest comparison of Kubera and NetWorthy for tracking net worth, covering price, bank syncing, statement import and what happens to your accounts when you die.
By Islam Kassem, Founder of NetWorthy · · 3 min read
Kubera is one of the best-known net worth trackers, and for good reason. It's polished, it syncs with a long list of banks and brokers, and it was early to the idea of passing your portfolio on to someone if you stop responding. If you're looking at alternatives, it's usually for one of three reasons: price, not wanting to link bank accounts, or wanting something that works well outside the US.
I build NetWorthy, so read this with that in mind. I've tried to be fair, and to say plainly where Kubera is the better pick.
Quick comparison
| Kubera | NetWorthy | |
|---|---|---|
| Price | $249 per year for individuals, after a 14-day trial (as reported by WalletHacks, July 2026) | Free plan; Pro on iOS is $2.99 a month or $17.99 a year |
| Free plan | No | Yes, with manual tracking |
| Bank and broker syncing | Yes, through aggregators such as Plaid and Yodlee | No bank linking, by design |
| Live prices | Yes | Stocks/ETFs, gold, silver, crypto (Lite and Pro) |
| Broker statement import (PDF) | Not covered in this comparison | Trade Republic, Revolut, Robinhood, Fidelity and others (Pro) |
| Access for family | "Life Check" sends your portfolio to a beneficiary if you don't respond | Trusted contacts can request access; auto-accepted after a week without reply |
Prices change, so check Kubera's and our own pricing before you decide. The Kubera figures above come from WalletHacks' review, updated in July 2026.
Where Kubera is the better choice
If you have a dozen US accounts and never want to type a balance again, Kubera's automatic syncing saves real time. NetWorthy deliberately doesn't do that. Kubera has also been around since 2020 and connects to far more banks and brokers out of the box.
Price is the main catch. $249 a year isn't cheap, though if it saves you an hour every month, many people decide it's worth it.
Where NetWorthy fits better
- You don't want to share bank logins. NetWorthy never asks for them. You type balances, or upload the statement your broker already gives you. Here's why we chose that.
- Your money is partly outside the US. Trade Republic and Revolut statements import directly, and you can see totals in euros, pounds, Egyptian pounds or other currencies.
- You hold gold. Bars, coins and jewellery are valued by weight and purity at the spot price. (See how to value gold in your net worth.)
- You want to start free. Manual tracking on the free plan is enough to know your number and watch the trend.
- You'd rather read the app in German or Arabic. Both are fully supported in the app.
The "what if something happens to me" feature
Both tools take this seriously, with different mechanics. Kubera's Life Check checks in with you and, if you don't respond, sends your beneficiary a copy of your portfolio. NetWorthy lets named contacts request access; you can deny while you're able, and a request with no reply for a week is accepted. In both cases the beneficiary gets information, not the assets themselves. A will and the usual legal process still decide who inherits. This guide covers what else your family will need.
How to switch
There's no export-import between the two, so moving is a one-time setup:
- Note your current balances in Kubera.
- In NetWorthy, upload recent statements from your brokers (supported brokers) and add bank balances by hand.
- Add property, gold and debts.
- Check the total against your Kubera figure. Small differences usually come from exchange rates or a stale price somewhere.
If you just want to see your number first, the net worth calculator works without an account.