Kubera Alternatives: 7 Portfolio Trackers That Cost Less in 2026

Disclosure: FlashFi is a competitor to the products mentioned.

Disclosure: FlashFi is one of the alternatives listed. This is our honest assessment based on publicly available information.

Kubera is a powerful net worth tracker. It covers asset classes most tools ignore — private equity, NFTs, domain names, wine, watches — and connects to over 20,000 banks and brokerages worldwide. The Dead Man’s Switch estate planning feature is genuinely unique. For high-net-worth individuals managing complex multi-entity portfolios, Kubera earns its reputation.

But the pricing is what sends most people searching for alternatives. Kubera Essentials costs $249/year, and Kubera Black — the tier with nested portfolios for trusts and LLCs — runs $2,499/year. If your portfolio is primarily stocks, ETFs, crypto, and cash across a few currencies, you may be paying for capabilities you never use. And if you need personal finance features like budgeting, cash account tracking, or debt management, Kubera does not offer those at any tier.

Here are seven alternatives that cost less, each with a different take on portfolio tracking for international investors.

Quick Comparison¶

Exirio¶

Exirio is a Swiss-based wealth tracking app that takes a similar approach to Kubera: aggregate everything you own into one dashboard. It supports over 40 currencies, connects to more than 11,000 financial institutions across North America, Europe, and Switzerland, and tracks a broad range of asset types including stocks, ETFs, crypto, real estate, luxury items, art, collectibles, and private company investments.

The Swiss domicile is a meaningful differentiator. Swiss data privacy regulations are among the strictest in the world, and Exirio markets this as a core feature. For investors who are uncomfortable sharing financial data with US-based aggregators, the Swiss hosting is not just branding — it represents a different regulatory framework.

Pricing: - Free — Core tracking features with one bank/brokerage connection - Premium — $10/month or $100/year for unlimited connections, full transaction history, dividend tracking, and premium support. 30-day money-back guarantee.

Strengths: - Broad asset coverage that approaches Kubera’s range, including property, luxury items, and private investments - 40+ currency support with daily price and FX updates - Bank and brokerage connections via Plaid and Salt Edge across 11,000+ institutions - Performance metrics including MWR, TWR, realized and unrealized gains, and currency exposure analysis - Third-party access with view, edit, and emergency access roles — useful for advisors or family members - Native mobile apps for iOS and Android - Swiss data privacy standards

Weaknesses: - Smaller user base and community compared to established competitors like Sharesight or Empower - No estate planning features (no equivalent to Kubera’s Dead Man’s Switch) - No nested portfolio support for complex entity structures (trusts, LLCs, holding companies) - Bank connections outside Europe and North America can be unreliable - Free tier is quite limited (one connection, ads, limited transaction history) - Less personal finance tooling than FlashFi — no budgeting, limited debt tracking

Best for: International investors who want Kubera-like asset breadth at less than half the price, with Swiss data privacy. Particularly strong for European and North American investors with accounts across multiple countries.

FlashFi¶

FlashFi is a portfolio tracker and personal finance app built specifically for digital nomads and expats. Where most trackers bolt on multi-currency as a secondary feature, FlashFi treats it as the foundation. Every holding is stored in its native currency, and your home currency is a display preference you can switch at any time — no restructuring, no creating new portfolios, no re-entering data.

What sets FlashFi apart from other Kubera alternatives is the personal finance layer. It tracks cash accounts, savings, and debt across multiple currencies alongside your investments, giving you a true net worth number that includes the bank account in Thailand, the credit card in EUR, and the brokerage in USD.

Pricing: - Operator — $12/month ($144/year). Full investment tracking, personal finance tools, multi-currency support, unlimited holdings. - Apex — $39/month ($468/year). Everything in Operator plus advanced analytics and portfolio insights. - No free tier. Monthly billing, cancel anytime.

Strengths: - True multi-currency from the ground up — switch your display currency instantly, entire portfolio recalculates - Only tool on this list that combines investment tracking with full personal finance (cash, debt, savings across currencies) - Net worth calculation that includes investments, cash, and debt — not just asset balances - Real-time pricing for stocks, ETFs, and crypto via Tiingo - Mobile-first web interface designed for checking your finances on the go - Simpler, more affordable pricing than Kubera at every tier ($144/yr vs $249/yr at entry level)

Weaknesses: - No automatic bank connections — all account balances and positions are entered manually - No alternative asset tracking (no NFTs, private equity, real estate, collectibles, domains) - No free tier — you pay from day one - Tiingo’s market data coverage has gaps in some Asian and smaller European exchanges - No estate planning features - Web-only — no native iOS or Android apps (though the mobile web experience is designed as the primary interface)

Best for: Digital nomads, expats, and internationally mobile professionals who need investment tracking and personal finance management in one multi-currency app, and whose portfolios are primarily stocks, ETFs, crypto, and cash.

Sharesight¶

Sharesight is an Australian-born portfolio tracker that has earned a loyal following among investors in Australia, New Zealand, the UK, and Canada. Its standout features are automated tax reporting and dividend tracking — two areas where most Kubera alternatives cannot compete.

Sharesight covers over 60 stock markets and 700,000+ listed securities. It imports trades automatically from 200+ brokers, detects dividends and corporate actions without manual input, and generates tax reports designed to hand directly to your accountant. The free tier covers 10 holdings in one portfolio, which is genuinely useful for smaller investors.

Pricing: - Free — 1 portfolio, 10 holdings, basic reports - Starter — $7/month billed annually ($84/year), or $9.33/month billed monthly. 1 portfolio, 30 holdings. - Standard — $18/month billed annually ($216/year), or $24/month monthly. 4 portfolios, unlimited holdings. Adds multi-currency valuation report, future income report, and contribution analysis. - Premium — $23.25/month billed annually ($279/year), or $31/month monthly. 10 portfolios. Adds drawdown risk and multi-period comparison.

Strengths: - Best-in-class tax reporting for AU, NZ, UK, CA, and US investors — CGT reports, taxable income, unrealized gains, sold securities reports - Automatic dividend detection and DRP tracking for ASX/NZX stocks - Trade imports from 200+ brokers plus email-based trade confirmation imports and CSV bulk upload - Free tier that is actually useful, not just a marketing gimmick - Deep performance analytics: contribution analysis, benchmark comparisons, drawdown risk (Premium) - SOC 2 and GDPR compliant with enterprise-grade security - Native iOS and Android apps

Weaknesses: - Each portfolio is locked to a single base currency determined by its tax residency setting — you cannot change it after creation - No personal finance features whatsoever — no cash accounts, no debt tracking, no budgeting, no net worth beyond investments - Holding limits on cheaper plans (10 on Free, 30 on Starter) push diversified investors to the $216/year Standard tier - Tax reporting only covers five jurisdictions — no help for nomads with multi-country tax obligations - No alternative asset tracking - Multi-Currency Valuation Report is only available on Standard ($216/yr) and above

Best for: Investors based in Australia, New Zealand, the UK, Canada, or the US who want automated tax reporting and dividend tracking at a reasonable price. Not a strong fit for people who move between countries or need to track finances beyond investments.

Empower (formerly Personal Capital)¶

Empower is the rare financial tool that offers a genuinely comprehensive free tier. The Personal Dashboard connects to your US bank accounts, credit cards, investments, and mortgages, then aggregates everything into a single view with net worth tracking, spending analysis, investment checkup tools, and retirement planning calculators.

The catch is that Empower makes money through its wealth management advisory service, which starts at $100K minimum investment and charges 0.89% of assets under management. The free dashboard is, in effect, a lead generation tool. You will likely receive calls from their advisory team after signing up.

Pricing: - Dashboard — Free. Full net worth tracking, spending analysis, investment analysis, retirement planner, fee analyzer. - Personal Strategy (advisory) — 0.89% AUM fee, $100K minimum. Not required to use the free dashboard.

Strengths: - Completely free dashboard with no feature gates, no holding limits, no time restrictions - Excellent US institution connections via Plaid — banks, brokerages, credit cards, mortgages, 401(k)s - Retirement planner with Monte Carlo simulations is genuinely useful and hard to find elsewhere for free - Investment fee analyzer identifies hidden costs in your mutual funds and 401(k) - High-yield Empower Personal Cash account (3.00%+ APY, FDIC insured up to $5M) - Well-established platform with millions of users and years of track record

Weaknesses: - US-only — does not connect to international institutions, does not support non-USD currencies - No multi-currency support at all — everything is denominated in US dollars - Pushes you toward their paid advisory service (expect sales outreach) - Limited crypto tracking (only what is held at connected US institutions) - No alternative asset tracking for items outside connected accounts - Privacy trade-off — your financial data is used to qualify you for their advisory services

Best for: US-based investors who want a free, comprehensive financial dashboard and do not need multi-currency support. If you live outside the United States or manage money across multiple countries, Empower simply does not work.

Wealthica¶

Wealthica is the largest financial aggregation platform in Canada. It connects to over 200 Canadian financial institutions — banks, brokerages, pension plans, and insurance providers — and consolidates everything into a single dashboard with performance tracking, capital gains reporting, and budgeting tools. For Canadian investors, it fills the exact gap that Empower fills for Americans.

Where Wealthica differentiates from pure investment trackers is its budgeting capability. The platform categorizes and tracks income and spending, helping users set goals around purchases and debt repayment alongside their investment portfolio. This combination of investment tracking and budgeting is uncommon in the space.

Pricing: - Free — Manual tracking only, no institution connections - Connect — $6.25/month or $50/year — up to 3 institution connections, daily syncs - Unlimited Connect — $9.99/month or $75/year — unlimited connections, Google Sheets export - Premium — $19.99/month or $150/year — portfolio analysis, performance reports, budget tools, advanced features - Prestige — $29.99/month or $250/year — VIP support, custom attributes, financial event planning

14-day free trial available for premium tiers.

Strengths: - Best-in-class connections to Canadian financial institutions (200+ banks, brokerages, pension providers) - Capital gains tracking tailored for Canadian tax reporting - Budgeting and spending analysis alongside investment tracking — rare for a portfolio tracker - Affordable entry at $50/year for 3 connections - 15-minute delayed stock quotes on premium tiers for real-time portfolio valuation - Active development with regular feature updates - Google Sheets export for custom analysis

Weaknesses: - Canada-focused — institution connections and features are primarily Canadian, with limited US coverage - Multi-currency is limited to CAD and USD — no support for EUR, GBP, or other international currencies - Free tier has no institution connections (manual only), making it far less useful than the paid plans - Interface feels dated compared to newer competitors - Higher tiers ($150–$250/year) approach Kubera’s pricing territory - No alternative asset tracking - No estate planning features

Best for: Canadian investors who want automatic aggregation of their Canadian brokerage, bank, and pension accounts with Canadian tax reporting. If your financial life is centered in Canada, Wealthica is the most connected option available.

Ghostfolio¶

Ghostfolio takes a radically different approach from every other tool on this list: it is fully open source and designed to be self-hosted. If you have a server — even a Raspberry Pi, a VPS, or a NAS — you can run Ghostfolio for free with full functionality. Your financial data never leaves your own infrastructure.

The project is built with Angular and NestJS, uses PostgreSQL for storage and Redis for caching, and supports deployment via Docker. For those who do not want to manage infrastructure, a hosted cloud version is available at a very low cost.

Pricing: - Self-hosted — Free, forever. Full functionality, no limits, no ads. - Cloud (Premium) — From approximately $15/year (varies by currency/region)

Strengths: - Completely free if self-hosted — no subscriptions, no holding limits, no feature gates - Open source under MIT license — inspect the code, modify it, contribute to it - Maximum privacy — your financial data stays on infrastructure you control - Multi-currency support with historical exchange rates - Tracks stocks, ETFs, crypto, and manual assets (real estate, gold, other valuations) - Portfolio performance metrics including ROAI across multiple time periods - Active community with regular updates and contributions - Deployable on Docker, Umbrel, Portainer, or any container platform

Weaknesses: - Requires technical knowledge to self-host (comfort with Docker, PostgreSQL, command line) - No automatic bank or broker connections — all data entry is manual - No tax reporting - No native mobile app (responsive web interface only) - Smaller asset price database than commercial products — some tickers may require manual price updates - No customer support for self-hosted (community forums only) - No estate planning, no personal finance tools, no budgeting - Updates require manual intervention (pulling new Docker images)

Best for: Technically savvy investors who prioritize privacy and cost above all else. If you are comfortable running Docker containers and want a portfolio tracker with zero recurring costs and full data sovereignty, Ghostfolio is a genuinely impressive option.

Snowball Analytics¶

Snowball Analytics is a France-based portfolio tracker that has carved out a strong niche among dividend investors and analytics-focused portfolio managers. It combines traditional portfolio tracking with dividend analytics, rebalancing tools, historical backtesting, and company fundamentals — features that most competitors either lack or reserve for premium tiers.

Snowball connects to over 1,000 brokers worldwide through Yodlee and SnapTrade integrations, covering institutions in the US, UK, Europe, and parts of Asia. The dividend tracking and forecasting capabilities are among the most comprehensive available, making it the tool most likely to satisfy investors switching from Sharesight who valued its dividend features.

Pricing: - Free — 1 portfolio, 10 holdings, 1 custom holding, dividend calendar, basic filters - Starter — $7.99/month or $79.99/year — unlimited holdings, brokerage linking, advanced rebalance tool, weekly emails, top 20 dividend stocks - Investor — $14.99/month or $149.99/year — 10 portfolios, full benchmarking, portfolio reports, top 50 dividend stocks, 10-year fundamentals, 30+ year backtests - Expert — $24.99/month or $249.99/year — unlimited portfolios, all features without restrictions

Annual billing saves approximately 16% (equivalent to 2 months free).

Strengths: - Excellent dividend tracking: calendar with upcoming payment dates, ex-dividend dates, historical payouts, yield analysis, and dividend rating system - One-click portfolio rebalancing with target allocation percentages and specific adjustment recommendations - Backtesting against 30+ years of historical data to evaluate allocation strategies (Investor plan and above) - Broker connections to 1,000+ institutions worldwide via Yodlee and SnapTrade - Multi-currency support across 30+ currencies - Goal tracker for portfolio value or passive income targets - Company fundamentals and screening tools - Free tier that covers basic needs for small portfolios - Well-rated mobile apps on both iOS and Android (4.8 stars)

Weaknesses: - Free tier is quite limited (10 holdings, 1 portfolio, basic features only) - No personal finance features — no cash accounts, debt tracking, or budgeting - No estate planning features - No alternative asset tracking for items like NFTs, private equity, or collectibles - Broker connections can be unreliable depending on your institution and region - Expert tier at $250/year matches Kubera Essentials pricing, reducing the cost advantage - No net worth tracking that includes non-investment assets

Best for: Dividend-focused investors who want deep analytics, forecasting, rebalancing tools, and the ability to backtest strategies. The Starter plan at $80/year is a strong value proposition for investors who do not need multiple portfolios.

How to Choose¶

The right Kubera alternative depends on what drew you to Kubera in the first place and which of its features you actually use.

If you need Kubera’s alternative asset tracking — private equity, NFTs, real estate, domain names, collectibles — honestly, none of these alternatives fully replaces it. Exirio comes closest with support for property, luxury items, and private investments, but Kubera’s breadth in non-traditional assets remains unmatched. If tracking a wine collection or LP positions is a core need, Kubera may still be worth the price.

If you primarily track stocks, ETFs, crypto, and cash and Kubera’s price is the issue, any tool on this list will serve you well at a fraction of the cost. Narrow your choice based on geography and secondary needs.

If you are a US-based investor with a straightforward domestic portfolio, Empower gives you a free dashboard that covers most of what you need. The retirement planner and fee analyzer alone justify creating an account.

If you are Canadian, Wealthica is purpose-built for you, with connections to 200+ Canadian institutions and capital gains tracking tailored for CRA reporting.

If you are a digital nomad or expat managing money across multiple countries, FlashFi or Exirio are your strongest options. FlashFi adds personal finance tools and treats multi-currency as the default. Exirio offers broader asset coverage, bank connections, and Swiss privacy.

If tax reporting matters most, Sharesight is the clear winner for investors in Australia, New Zealand, the UK, Canada, or the US. No other tool in this list generates jurisdiction-specific CGT reports.

If dividends are your strategy, Snowball Analytics offers the best dividend tracking, forecasting, and rebalancing tools in this group, with a free tier to get started.

If privacy and cost are your top priorities, Ghostfolio is free, open source, and keeps your data on your own server. The trade-off is that you need to be comfortable with Docker and self-hosting.

If you want the simplest paid alternative with solid multi-currency support and do not want to self-host, lock into one country, or deal with holding limits, Exirio at $100/year or FlashFi at $144/year are the most straightforward paths away from Kubera’s $249/year price tag.

Try FlashFi — Start Tracking

By David Brougham