Worthy vs Kubera
The Kubera alternative that costs less than one month of it
Worthy
$16.99
one-time
$249/yr
Essentials tier
Save $232+ in your first year
Feature comparison
Why users leave Kubera
Common frustrations
$249/year for the Essentials tier - the Kubera Black tier runs $2,499/year
Price has climbed steadily - early adopters paid $150/year for the same core tracking
Built around account aggregation - your balances and linked credentials live on their servers
Feature set targets complex portfolios (DeFi, domains, private equity) most people don't have
Why choose Worthy
100% Private
Data never leaves your device
One-time
Pay once, own it forever
60-second setup
No bank connections
The bottom line
Choose Worthy if
You want simple, private net worth tracking without subscriptions or bank connections.
Choose Kubera if
You need transaction tracking, budgeting, or don't mind paying Essentials tier.
Ready to try Worthy?
Kubera vs Worthy FAQ
How much does Kubera cost vs Worthy?
Kubera's Essentials tier is $249/year, and its Black tier for complex estates is $2,499/year - billed every year. Worthy is a one-time purchase of $16.99. Over five years that's $1,245+ for Kubera versus $16.99 once for Worthy.
Who is Kubera actually for?
Kubera shines for high-net-worth investors with genuinely complex portfolios: DeFi positions, NFTs, domains, private equity, multiple currencies, and estate-planning needs. If your net worth lives in bank accounts, index funds, retirement accounts, property, and some crypto, Worthy covers all of it for a fraction of the cost.
Is Worthy more private than Kubera?
Yes. Kubera is built around account aggregation - it connects to your banks, brokerages, and wallets, and your balances live on their servers. Worthy never asks for credentials: you enter holdings manually, prices update automatically, and everything stays on your device.
Can I switch from Kubera to Worthy?
Yes. Setting up Worthy takes about 60 seconds - you add your accounts and balances manually. You lose Kubera's aggregation and exotic asset classes, but you keep the part most people actually use: a clear, always-current picture of your net worth.
Looking for the full overview? Read the Kubera alternative guide →