The Net Worth Tracker for all of it, not just the brokerage
Banks, brokerages, crypto, homes, private funds, gold, the loan against the stock. Any currency, updated every day. $250 a year, not 1% of your wealth, and never an ad.
Kubera makes tracking your net worth fun. It's a uniquely well considered product. Thorough and flexible and deep in all the ways you want. And constantly getting better."
Kubera makes tracking your net worth fun. It's a uniquely well considered product. Thorough and flexible and deep in all the ways you want. And constantly getting better."
Six numbers. Round them. Nobody is checking. The point is not the figure, it is noticing how long it took you to find it.
Net worth$0
Assets$0
Debts$0
Investable$0
That number is stale by tomorrow. Kubera keeps it current, every day, from every account.Try for 14 days
Want the longer version, with liquid net worth and where your figure sits for your age? The full net worth calculator.
A net worth tracker has to count everything. Most stop at the brokerage.
Net worth is one subtraction: everything you own minus everything you owe. The hard part is the everything. Kubera was built for the long tail — the LP position, the second home in another currency, the loan against the stock, the watch.
The assets
Cash and bank accounts. Brokerages and retirement accounts. Crypto in exchanges, wallets and DeFi. Homes, rentals and land. Private company stock, angel investments, fund and LP positions with committed capital and calls. Gold, cars, art, watches, domains. If you can own it, it gets a row. How assets are added
The debts
Mortgages, HELOCs, margin, pledged-asset lines, private loans, credit cards, the capital you have committed but not yet wired. Most apps treat debt as an afterthought. It is half of the equation, so it gets its own page, tracked against the asset it sits on.
Investable, next to total
Total net worth includes the house you live in. Investable strips out what you cannot sell by Friday and shows what could actually be moved. Kubera shows both, side by side, because they answer different questions. What counts as investable
One currency, or all of them
Accounts in dollars, euros, pounds, rupees, francs. See the total in the currency you think in, switch with one click, and keep the history honest when the rates move. Trusts, LLCs and family members each get their own view. The wealth tracker for multi-entity, multi-currency wealth
Loving Kubera. I've been yearning for one financial dashboard-to-rule-them-all for 12yrs
Emily Binder Founder @ WealthVoice & Beetle Moment
A spreadsheet is right on the day you build it. A net worth tracker earns its keep on the other 364.
Connected accounts
Kubera runs several aggregators, local and global, and picks the best connector for each of your institutions. Thousands of banks and brokerages worldwide. For the ones that will not connect, Web Sync reads the balances straight off their website.
Live prices for everything that has one
Stocks and funds on every major exchange in the US, Canada, the UK, Europe and Asia, by ticker. Crypto by wallet address. Gold by weight. Homes by address, cars by model and year, domains by name. Price feeds plus an AI appraiser keep them moving without you.
Manual, where manual is honest
A private stake has no ticker. Enter the number, and Kubera keeps the history when you change it, so the chart tells the truth about when the value moved and when you simply updated your estimate.
Statements in, balance sheet out
A fund statement lands in your inbox. Drop it on Kubera, or let your AI agent read it, and the position updates. No retyping capital calls at midnight.
Kubera on desktop and phone. Net worth, investable, assets and debts, updated every day from every account.
Net worth over time, not just tonight
Kubera takes a snapshot of everything, every day, from the day you start. A year in, you can see the whole curve: which quarter the crypto carried, which year the house did the work, what the S&P did over the same stretch.
CAGR, IRR and the benchmark
Net worth and investable growth as annual rates, next to the S&P 500, the Dow, or a single stock you keep wondering about. IRR on the fund positions where cash went out long before it came back.
Recap
What moved and by how much, since yesterday, last week, last year. When everything is down and everything looks urgent, Recap shows whether anything actually changed or whether it just feels like it has.
Ask your AI about it
Point Claude, ChatGPT or Grok at your balance sheet through Kubera's MCP. Where would I be if I had not sold? How much cash do I need for the next two capital calls? It answers at 2 am and does not bill for the meeting. Kubera and AI assistants
Proof, when someone asks for it
Proof of funds for a purchase. Accredited-investor verification for a fund. Generate a self-attested net worth statement, verified by Kubera, as of today, instead of gathering twelve PDFs. Proof of Wealth
If something happens to you
Your family gets the complete picture when it matters, without you sharing everything now. Go silent for too long and Kubera delivers your portfolio to the beneficiaries you chose. Dead Man's Switch
Kubera has proved to be the best product we’ve found for expats — both those moving to the United States and Americans moving abroad — to manage their global investments and track them in the currency of their choice."
Kubera makes tracking your net worth fun. It's a uniquely well considered product. Thorough and flexible and deep in all the ways you want. And constantly getting better."
Empower and Monarch are good at what they were built for: budgets and US brokerage accounts. The moment a trust, a foreign account or a fund position shows up, you are back in a spreadsheet. Here is where the lines are.
Kubera
Empower
Monarch Money
Copilot Money
Spreadsheet
Price
$250 a year. One price. No fee on assets.
Free. Funded by advisory upsell, fee on assets.
Subscription
Subscription
Free, plus your Sundays
Ads or data sales
None. No ads, no data sales, no financial products.
No ads; advisor calls
None
None
—
Banks and brokerages
Several aggregators, thousands of institutions worldwide, Web Sync for the rest
US
US and Canada
US
Manual
Crypto and DeFi
Exchanges, wallets, DeFi, staking, NFTs, as live positions
Limited
Limited
Limited
Manual
Real estate
Valued by address, updated automatically
Estimate
Estimate
Estimate or manual
Manual
Private equity, angel, LP positions
Committed capital, calls, distributions, IRR
Manual value
Manual value
Manual value
Manual
Cars, gold, art, watches, domains
Price feeds plus AI appraiser
Manual
Manual
Manual
Manual
Debts
Every kind, tracked against the asset it sits on
Yes
Yes
Yes
Manual
Currencies
Any, at every layer; switch the total with one click
USD
USD, CAD
USD
Formulas
Trusts, LLCs, family members
Ownership tags and nested portfolios, with Kubera Black
No
No
No
Tabs
Share with family, advisor, accountant
Granular access control, per person
Limited
Household
Limited
Send the file
Beneficiary access if something happens to you
Dead Man's Switch
No
No
No
No
Works with your AI (Claude, ChatGPT)
Yes, through MCP
No
No
No
Paste it in
Proof of wealth statement
Yes, self-attested and Kubera-verified
No
No
No
No
Budgeting
No. Kubera is a balance sheet, not a budget.
Yes
Yes
Yes
If you build it
Last checked September 2026, from each product's public documentation. Competitor features change; if something here is out of date, email us and we will fix it.
Your number, from your own accounts, in about an hour. The first 14 days are free.Try for 14 days
Questions people ask a net worth tracker
What counts as net worth?
Everything you own minus everything you owe. Own: cash, investments, retirement accounts, crypto, property at what it would sell for, private stakes at your honest estimate, anything valuable enough to insure. Owe: mortgages, loans, margin, credit cards and, if you are strict, capital you have committed but not yet paid. Kubera shows the total and, next to it, the investable part.
Is a net worth tracker safe? Do you sell my data?
Kubera does not sell data, does not run ads and does not sell financial products. We sell software, so the only person we work for is you. Account connections run through regulated aggregators; Kubera never stores your banking credentials and cannot move your money. How Kubera handles security
Do I have to connect my bank accounts?
No. Plenty of people run Kubera entirely by hand, or with tickers for the public holdings and manual entries for the rest. Connect what you want connected. Some of our most careful users never connect anything and still update the whole balance sheet in ten minutes a month.
How is Kubera different from Empower, Mint, YNAB or Monarch?
They are budgeting or brokerage-first tools, built around US bank feeds and monthly spending. Kubera is a balance sheet: every asset class, every debt, every currency, trusts and entities included, with no advisor waiting at the end of the funnel. If you already have a budgeting app you like, keep it. The longer answer
What about accounts in other countries and currencies?
Kubera connects to institutions in many countries, tracks tickers on every major exchange and holds any currency. Set the currency you think in and the total is shown in it, with the history restated correctly when rates move. Expats and multi-country families are a large part of who uses Kubera. More on multi-currency wealth
Can I track a house, a car, gold, a watch?
Yes. Homes are valued by address, cars by model and year, metals by weight, domains by name, and updated automatically. Anything without a feed gets a manual value with full history, so the chart stays honest.
Can I see how my net worth has changed over time?
Kubera takes a daily snapshot from the day you start. You get the chart, growth as an annual rate next to the S&P 500, IRR on the positions that need it, and a Recap of what moved and why. Export anything to a spreadsheet whenever you like.
How much does it cost?
$250 a year. One price whether you have $250,000 or $2.5 billion, no fee on assets and nothing to upgrade to unless you run trusts and entities, where Kubera Black is $2,500 a year. Fourteen-day trial with everything switched on; pick the plan afterwards.
Can my AI assistant read my net worth?
Yes. Kubera's MCP lets Claude, ChatGPT and other agents read your balance sheet and, if you allow it, update it, so you can ask questions about your own money instead of pasting numbers into a chat. Kubera and AI assistants
Looking for something narrower?
If it is investments and performance you care about, the portfolio tracker is the page. If your wealth sits across trusts, companies, countries and family members, start with the wealth tracker. Same product, same price; the pages just start from a different question.
I've used tons of net worth tracking apps. Kubera is my favorite by FAR. I have zero affiliation. I'm pretty sure it's a tiny team. But they've been launching so many cool features and are moving fast.
Kubera has proved to be the best product we’ve found for expats — both those moving to the United States and Americans moving abroad — to manage their global investments and track them in the currency of their choice.