Kubera vs Sharesight
A share-portfolio tracker with a tax accountant’s heart, against the whole balance sheet including the debts. Some people run both.
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about kubera
about kubera
Sharesight is a share-portfolio tracker with a tax accountant’s heart: trades, dividends, splits and tax reports across 60+ markets, with a free plan for ten holdings. Kubera is a net-worth tracker: every asset and every debt, listed or not, in one daily balance sheet. Investors who hold mostly shares often want Sharesight. People whose wealth is also houses, funds, crypto and loans want Kubera. Some run both.
Facts checked on 5 October 2026. Competitor prices and limits come from their own sites and help centres where they publish them; where they do not, the page says who reported the figure.
| Kubera | Sharesight | |
|---|---|---|
| Price | Essentials $250 a year. Black $2,500 a year. 14-day free trial. | Free (1 portfolio, 10 holdings). Starter $7, Standard $18, Premium $23.25 a month billed annually; about 25% more monthly. |
| What it is | A net-worth tracker: assets and debts, balances and positions, history, forecasts. | An investment performance, dividend and tax-reporting tracker. In its own words, it tracks assets only. |
| Liabilities | Mortgages, loans, margin, credit cards: connected or manual, with the net-worth number after them. | Not tracked. No mortgage, no loans, so no net worth. |
| Bank accounts | Connected balances at 20,000+ institutions in 40+ countries. | Cash accounts as manually valued entries; no bank aggregation. |
| Listed investments | Ticker, quantity, cost basis from the broker; IRR per position; benchmarks; US, Canadian, UK, European and Asian exchanges priced. | 60+ markets, 700,000+ securities; trade import from 200+ brokers; dividends, DRPs and splits automatically; deep performance and contribution reports. |
| Tax reports | Transaction history and IRR; no tax-year reports. | Taxable Income, Sold Securities and All Trades; Capital Gains report (not yet for UK users). |
| Crypto | 20+ exchanges and 18 chains connected, DeFi, NFTs. | 200+ coins by file import or manual entry; no wallet or exchange sync. |
| Property and other assets | Homes and vehicles kept current by an AI appraiser, collectibles, gold, loans you have made, documents attached. | Property and physical assets as custom investments with a manual value. |
| Private investments | Commitments, calls and distributions on a schedule; IRR; documents. | Unlisted investments recorded manually; no commitment model. |
| Currencies | Any asset in any currency; rates every two hours. | Over 100 currencies; the Multi-Currency Valuation report needs Standard or above. |
| Family and entities | Collaborators on every plan; nested portfolios for trusts and entities on Black. | Multiple portfolios by plan (1, 1, 4, 10); portfolio sharing. |
| AI | Read-only connection to ChatGPT, Claude, Grok and other assistants. | None. |
Sharesight says plainly that it tracks assets only. There is no place for a mortgage, a margin loan or a credit card, which means there is no net worth, only the value of the investments. For a share investor that is the point: the product goes deep on what it tracks and ignores the rest. For anyone who wants “what am I worth”, it is the reason to look elsewhere.
Kubera starts from the full balance sheet. Assets on one side, debts on the other, one number at the bottom, and a daily history of that number from the day you connect. The listed-share part is good, with ticker, quantity, cost basis and IRR per position, but it is one section among many.
If your question is “what did my share portfolio return, after dividends, in my tax year, and what do I owe”, Sharesight answers it better than Kubera does. Dividends, reinvestment plans and corporate actions are tracked automatically across 60+ markets; the Taxable Income and Capital Gains reports are built for specific tax jurisdictions (Australian and New Zealand investors in particular); the contribution and multi-period reports are what a serious share investor wants. The free plan covers ten holdings, and the paid plans start at $7 a month. Kubera has none of the tax reporting and does not pretend to.
Everything Sharesight leaves out: bank accounts connected rather than typed, liabilities, property kept current by an AI appraiser, crypto in wallets and DeFi rather than by file import, private funds with their call schedules, documents attached to assets, a family structure with per-entity access, and a read-only AI connection. If a share portfolio is half your net worth and the other half is a house, a mortgage, a fund commitment and a few wallets, Kubera is the product that shows the half and the whole.
A fair number of share investors do: Sharesight for performance and tax on the listed portfolio, Kubera for the balance sheet it sits inside. Kubera connects to the same brokers directly, so nothing has to be exported from one into the other.
“For brokerage accounts, it not only pulls in account balances, but actual ticker, share qty, and cost basis data.”
“I used to spend a lot of time tracking which of my accounts had cash sitting idle. With Kubera, I can quickly see investable cash across all my accounts on a single screen.”
“I've lived in 3 countries and have bank accounts, investments, retirement accounts, and property in multiple locations and currencies. Kubera is the first time I've EVER been able to see my full financial picture in one place.”
