Tool profile
Kubera: cost, fit and limits
Kubera is a net worth and portfolio tracking service made by Kubera Apps, Inc. that combines banks, brokerages, digital assets, real estate and private investments in one balance sheet, with AI agent access for Claude, ChatGPT and Grok.
What to know first
Kubera charges by the year: Essentials at $250 and Black at $2,500, with a 14 day free trial that gives access to every feature. Essentials covers two portfolios and two users and caps AI agent operations at 5,000 a day, while Black removes those limits and adds nested portfolios and ownership tags. No company country is stated on the page opened.
Kubera at a glance
| Maker | Kubera Apps, Inc., Not stated on the vendor pages |
|---|---|
| Free plan | Free trial only |
| Entry price | $250 per year (Essentials) |
| API access | No |
| Category | Best AI Investment Portfolio Trackers in 2026, rank 5 of 11 |
| Website | kubera.com |
Who Kubera is best for
Households with property and private holdings
The balance sheet combines banks, brokerages, digital assets, real estate and private investments, so assets outside a brokerage still count toward net worth.
Owners of partly held entities
Kubera counts only the user's share of partly owned entities and supports multiple owners and trusts, which fits family offices and co-investors.
Users who run their own AI agents
Claude, ChatGPT and Grok agents can read and write to the balance sheet within plan limits, so an agent can update a value the user states in chat.
Kubera plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Free trial | 14 days free | Access to all features for 14 days, after which the user chooses a plan; the page does not describe a permanent free tier. |
| Essentials | $250 per year | Two portfolios, two users including a spouse, and 5,000 AI agent read and write operations per day, billed annually. |
| Black | $2,500 per year | Unlimited portfolios and users, unlimited AI agent operations, nested portfolios, ownership tags, help setting up AI agents and 1:1 Zoom calls with a dedicated expert. |
Checked November 2026.
What Kubera does
- Balance sheet view
- Banks, brokerages, digital assets, real estate and private investments sit on one balance sheet with real-time reporting and allocation views, in multiple currencies. The page does not name the aggregation providers behind the connections.
- Partial ownership accounting
- Only the user's share of a partly owned entity counts, and multiple owners and trusts or entities can be modeled, which a plain brokerage tracker usually cannot do.
- AI agent access
- Claude, ChatGPT and Grok agents can read and write to the balance sheet, with a daily cap on Essentials. Kubera positions itself as the source of truth for those agents.
- AI-assisted syncing
- AI helps with connecting and syncing accounts, according to the page, though it does not describe how the assistance works or which providers it covers.
- Dead Man's Switch
- After a period of inactivity, the portfolio is delivered to chosen people, a feature aimed at estate planning that trackers focused on trading do not offer.
How Kubera handles your data
The page says Kubera sells software, not user data, and links a privacy policy that was not opened, so retention, deletion and any model training on customer data are unchecked. It states no hosting region and no certifications. Because AI agents can read and write to the balance sheet, the plan's operation cap and the agent's own provider terms matter. The page also showed a banner about an ongoing AWS outage that might affect logins,.
Where Kubera falls short in practice
- Price floor is high. At $250 a year, Essentials costs far more than the free local tools and more than a year of Parqet Plus. A buyer with only a few ETFs is paying for features they do not use.
- Agent operations are capped. Essentials allows 5,000 AI agent read and write operations per day. A heavy automation, such as an agent reconciling many accounts each morning, could reach that, and only Black removes the cap.
- Advanced structures need Black. Nested portfolios and ownership tags are listed on Black at $2,500 a year, so a family with layered entities pays ten times the entry price.
Works with
Alternatives to Kubera
Kubera: common questions
Does Kubera have a free plan?
No permanent free plan is described. A 14 day free trial gives access to all features, and a plan is chosen when it ends. Essentials is $250 a year and Black is $2,500 a year, both billed annually. Test the AI agent connection during the trial, since that is the feature that varies by plan.
What is the difference between Essentials and Black?
Essentials includes two portfolios, two users and 5,000 AI agent operations a day. Black has unlimited portfolios, users and agent operations, nested portfolios, ownership tags, setup help for AI agents and 1:1 Zoom calls with a dedicated expert. The price gap is $2,250 a year.
Which AI agents work with Kubera?
The page names Claude, ChatGPT and Grok agents, which can read and write to the balance sheet within plan limits. It describes Kubera as a source of truth for them. It does not publish setup steps or the fields exposed, so verify with a trial portfolio first.
Can Kubera track real estate and private investments?
Yes. The page lists banks, brokerages, digital assets, real estate and private investments on one balance sheet, and says partly owned entities count only the user's share. Multiple currencies, owners and trusts are supported, which is why wealthy households use it.
What is Kubera's Dead Man's Switch?
It delivers the portfolio to chosen people after a period of inactivity, according to the page. The page does not state the inactivity period or how recipients are verified, so read the help documentation before relying on it for estate planning.