FlashFi vs Kubera: Which Portfolio Tracker Is Right for International Investors?

Disclosure: FlashFi is a competitor to the products mentioned.

Disclosure: FlashFi is a competitor. This is our honest assessment based on publicly available information.

TL;DR¶

Choose Kubera if you manage a complex portfolio with alternative assets (private equity, NFTs, real estate, domains, collectibles) and need estate planning tools. You will pay more, but the alternative asset coverage is unmatched.

Choose FlashFi if you are a digital nomad or expat who needs investment tracking plus personal finance management (cash accounts, debt, budgeting) in one multi-currency app, at a lower price point.

Quick Comparison¶

Pricing Breakdown¶

Kubera has simplified its pricing over the years. As of early 2026, the tiers are:

• Kubera Essentials — $249/year. All core features including multi-currency tracking, alternative asset support, Dead Man’s Switch, and bank connections.
• Kubera Black — $2,499/year. Everything in Essentials plus nested portfolios (map trusts, LLCs, and holding companies), granular access control, concierge onboarding, and VIP support with 1:1 Zoom calls.
• Kubera White Label — $299+/month. For financial advisors and family offices.

FlashFi’s pricing is simpler:

• Operator — $12/month ($144/year). Full investment tracking, personal finance, multi-currency support.
• Apex — $39/month ($468/year). Everything in Operator plus advanced analytics and portfolio insights.

At the entry level, FlashFi saves you roughly $105/year compared to Kubera Essentials. The gap widens dramatically at the premium tier: FlashFi Apex costs $468/year versus Kubera Black at $2,499/year — a difference of over $2,000 annually.

That said, these are different products aimed at different wealth levels. Kubera Black is designed for people managing trusts and LLCs with millions in assets, where $2,499/year is a rounding error. FlashFi is designed for working professionals, freelancers, and digital nomads building their portfolios.

Asset Coverage¶

This is where Kubera genuinely shines. If you own assets beyond traditional investments, Kubera probably tracks them:

• Traditional investments — stocks, ETFs, mutual funds across major global exchanges
• Cryptocurrency — exchange connections, on-chain wallet tracking, DeFi positions, staking, NFTs
• Private markets — private equity, LP positions, Carta integration for startup equity
• Physical assets — real estate (with AI-powered appraisals), gold, vehicles, jewelry, watches, wine
• Digital assets — domain names (with automated valuations)
• Manual entry — anything else via their AI Import feature that processes screenshots and documents

FlashFi covers a narrower but deeper set:

• Traditional investments — stocks, ETFs, mutual funds, with real-time pricing via Tiingo
• Cryptocurrency — major coins and tokens with live prices
• Cash and savings — multi-currency cash accounts and savings tracking
• Debt — credit cards, loans, and liabilities in any currency

If you hold private equity, NFTs, domain names, or collectibles, Kubera is the clear winner on asset breadth. If your portfolio is stocks, ETFs, crypto, and cash across multiple currencies, both tools cover you well.

Multi-Currency Support¶

Both platforms support multi-currency tracking, but the approach differs.

Kubera connects to bank accounts and brokerages worldwide via aggregators (Plaid, Yodlee, Salt Edge), pulling in balances and transactions automatically. Currency conversion happens as part of the net worth calculation. Kubera supports a wide range of global currencies and updates rates regularly.

FlashFi uses Tiingo for real-time forex rates and converts all holdings to your chosen home currency automatically. Every asset — whether a US stock, a EUR savings account, or BTC — is shown in your home currency with the FX impact visible. You can switch your home currency at any time and see your entire portfolio re-denominated instantly.

For digital nomads who switch countries and currencies regularly, FlashFi’s approach of treating multi-currency as a first-class feature (not an add-on) may feel more natural. Kubera’s approach is equally capable but oriented more toward high-net-worth individuals with established multi-country financial structures.

Bank Connections vs. Manual Entry¶

One significant difference: Kubera connects directly to over 20,000 banks and brokerages worldwide via Plaid, Yodlee, and Salt Edge. Balances update automatically. This is a genuine convenience, especially if you have accounts at many institutions.

FlashFi uses manual entry for all accounts. You add your holdings, cash accounts, and debts by hand. Prices for publicly traded assets update automatically, but account balances and positions are entered manually.

This is a trade-off. Bank connections save time but come with security considerations (you are sharing bank credentials with a third party). Manual entry means more work but complete control. For digital nomads with accounts at institutions in multiple countries, bank aggregators sometimes struggle with non-US institutions anyway, which narrows the practical advantage.

Personal Finance¶

This is where FlashFi pulls ahead. Kubera is a net worth tracker — it shows you what you own and what you owe, rolled up into a balance sheet. It does this very well.

FlashFi goes further with personal finance features that Kubera does not offer:

• Cash accounts — Track multiple bank accounts across currencies. See all your cash in one place, converted to your home currency.
• Debt tracking — Credit cards, personal loans, student loans, mortgages. Track balances, interest rates, and payoff progress.
• Savings tracking — Emergency funds, travel funds, goal-based savings across currencies.

If you are someone who needs both investment tracking and day-to-day personal finance management in one tool, FlashFi covers that. With Kubera, you would need a separate budgeting app alongside it.

Estate Planning¶

Kubera has a unique feature called the Dead Man’s Switch (they call it “Life Beat”). Here is how it works: you designate a beneficiary, and Kubera periodically asks you to check in. If you stop responding — because of incapacitation, death, or simply forgetting — your beneficiary eventually receives read-only access to your portfolio dashboard.

You can also store estate documents, insurance policy numbers, and passwords in a secure vault that the beneficiary can access.

FlashFi does not have estate planning features. If this is important to you, Kubera is the only consumer portfolio tracker we know of that offers it.

Portfolio Structure¶

For most individual investors, both tools are fine. But if you manage wealth across multiple entities — a personal portfolio, an LLC, a family trust, a holding company — Kubera Black’s nested portfolios let you map ownership structures and see how they roll up.

FlashFi currently supports a single portfolio per user with all holdings tracked together. This works well for individual investors and freelancers, but would not suit someone managing a family office or multiple legal entities.

Where Kubera Wins¶

• Alternative asset tracking — NFTs, private equity, real estate, domains, collectibles, wine, watches. No other consumer tool matches this breadth.
• Bank connections — 20,000+ institution connections via Plaid, Yodlee, and Salt Edge. Automatic balance updates.
• Estate planning — The Dead Man’s Switch / beneficiary feature is genuinely unique and valuable.
• Complex structures — Nested portfolios for trusts, LLCs, and multi-entity wealth (Black tier).
• AI Import — Upload screenshots or documents to add assets that do not have API connections.
• Peer benchmarking — Anonymous comparison against other Kubera users in similar wealth brackets.

Where FlashFi Wins¶

• Price — $144/year vs $249/year at the entry tier. $468/year vs $2,499/year at the premium tier.
• Personal finance — Cash accounts, debt tracking, and savings in multiple currencies. Kubera is purely an asset tracker.
• Built for nomads — Multi-currency is not a feature, it is the foundation. Every screen, every calculation, every report thinks in multiple currencies.
• Mobile-first design — FlashFi is designed for mobile browsers first. Kubera’s web interface is desktop-oriented.
• Simpler pricing — Two tiers, monthly billing, cancel anytime. No $2,499/year sticker shock.

Who Should Choose Kubera¶

Kubera is the right choice if you:

• Have a portfolio that includes alternative assets (PE, real estate, NFTs, collectibles, domains)
• Want automatic bank and brokerage connections to reduce manual data entry
• Need estate planning features (Dead Man’s Switch, beneficiary access, document vault)
• Manage wealth across multiple legal entities (trusts, LLCs) and need nested portfolios
• Have a high net worth and consider $249/year a trivial cost for comprehensive tracking

Who Should Choose FlashFi¶

FlashFi is the right choice if you:

• Are a digital nomad, expat, or remote worker managing money across multiple countries and currencies
• Want investment tracking and personal finance management in one app
• Have a portfolio of stocks, ETFs, crypto, and cash (not alternative assets)
• Prefer a lower price point ($12/month) without annual commitment
• Value a clean, mobile-first interface designed for checking on the go
• Do not need bank connections and are comfortable with manual entry for account balances

Try FlashFi — Start Tracking

By David Brougham