Worthy vs Kubera
The Kubera alternative that costs less than one month of it
Worthy
$16.99
One-time purchase. Free for up to 5 assets.
Kubera
$249/yr
Essentials tier
| Total cost | Worthy | Kubera |
|---|---|---|
| After 1 year | $17 | $249 |
| After 3 years | $17 | $747 |
| After 5 years | $17 | $1,245 |
Based on Kubera's $249/yr plan at today's price. Prices in USD.
What Kubera is, honestly
Kubera is a powerful all-asset tracker built for high-net-worth investors - crypto, DeFi, real estate, domains, private equity - at $249/year for the Essentials tier. If what you actually want is clean net worth tracking without handing your accounts to an aggregator, Worthy does that for a one-time purchase.
Where Kubera wins
Real strengths, no hedging.
DeFi, NFT & domain tracking
Home value estimates (Zillow)
Beneficiary / estate sharing
Where Worthy wins
Also no hedging.
One-time purchase (no subscription)
100% offline & private
Data stays on your device
Side by side
| Feature | Worthy | Kubera |
|---|---|---|
| One-time purchase (no subscription) | ||
| 100% offline & private | ||
| No bank connection required | Manual entry optional | |
| Data stays on your device | ||
| Net worth tracking | ||
| Asset & liability tracking | ||
| Stock & crypto price updates | ||
| DeFi, NFT & domain tracking | ||
| Home value estimates (Zillow) | ||
| Beneficiary / estate sharing |
Which one is for you
Choose Worthy if
- You want your net worth kept current without linking your bank
- You want your financial data to stay on your device
- You prefer a one-time purchase to a subscription
Choose Kubera if
- You need deFi, NFT & domain tracking
- You need home value estimates (Zillow)
- You need beneficiary / estate sharing
Switching from Kubera
- 1
Note your current balances
You only need today's numbers to start: each account, investment, property and debt.
- 2
Add them to Worthy once
Stocks, ETFs and crypto update their prices automatically, mortgages amortize on schedule and savings accrue interest, so most numbers stay current without any bank connection.
- 3
Backfill the history you care about
Add past values month by month on the history timeline, so your net worth chart shows the journey you were on before you switched.
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.