I'm Rohit.

I built Kubera with Manoj and Umesh.

Here is the short version, in case you don't have time for the long one. Kubera is a balance sheet for people who manage their own wealth. It costs $249 a year. The price is the same whether you have $250,000 or $2.5 billion, because we charge for software, not for how much money you have. We will never charge based on assets under management. If you came here from a private bank or a wealth manager who takes a percentage of your net worth every year, you're going to like it here.

That's the product. Here's the part about us.

I grew up in Kolkata, in a lower-middle-class family. There was one computer in the house. I was good with the computer and I happened to know accounting, and at 17 I wrote an accounting software with no internet, no app store, and no one to teach me how. It didn't sell. But it got me my first real job. The founder of Tally — Bharat Goenka, who had personally written all of the dominant accounting software in India — was looking for help, and the population of people in late-1990s India who knew both accounting and programming was small enough that he found me without much trouble. I worked there for six years.

Then I left and started building my own companies. I bootstrapped them. No investors, no plan, no obvious road to anywhere. Eventually one of them grew big enough that I could sponsor my own visa to come to the United States. Two more companies later (Webyog and CloudMagic, both acquired in 2018), I had real money for the first time in my life.

So I went looking for a tool to keep track of it all. And here is the thing I did not expect.

The wealthy don't really use tools. They use people. Private banks, multi-family offices, RIAs, advisors, family offices, the whole industry of intermediaries who charge a percentage of your assets every year, forever, in exchange for sending you reports about your own money. When your account crosses a certain size, one of them gets in touch. They give you a "relationship manager." From that point on, you have a relationship, and the relationship costs about 1% of everything you have, every year, until one of you dies. Most rich people don't choose this. It just happens to them once they have enough money for the industry to find them worth its time.

I had spent thirty years on the outside of all of this, happily, building software, which is what I wanted to be doing. The moment I had real money, they all showed up. I declined.

Then Manoj and Umesh and I built the tool I had been looking for. The three of us have been working together for more than a decade across two previous companies, and when I told them what I wanted to build they were already keeping the same spreadsheet I was. Manoj writes the code that makes Kubera fast. Umesh designs the product you actually see. I decide what we build and what we refuse to build.

A balance sheet for people who manage their own wealth. No budgeting. No advice. No middlemen. The same product whether you have $250,000 or $2.5 billion, because a balance sheet is a balance sheet — the work doesn't change when the numbers get bigger. That's the whole point.

Kubera is one price for everyone. The student. The founder. The billionaire. We don't charge based on assets under management. We never will. That isn't a discount. It's a refusal.

We don't have investors. We don't have a sales team. We don't take meetings unless they're strategic, and we don't make phone calls trying to sell anything to anyone. The product is the company.

Rohit Nadhani

Founder

Kubera Apps, Inc.
530 Lytton Ave
Palo Alto CA 94301