NettWorth vs Kubera
Net worth tracking is where NettWorth starts. Not where it stops.
Kubera is a net worth tracker. It aggregates accounts, handles many asset types, and gives you a consolidated view — and it does that well. NettWorth tracks net worth too, but treats it as the starting point: every transaction is structured across every account and asset, so the picture is ready the moment your accountant, a wealth manager, or a legal situation needs it. The other difference matters if your accounts don't sit in US or European institutions. Plaid-based tools hit a wall with NRE/NRO accounts, UAE banks, or a Singapore brokerage. NettWorth gives you three ways in — enter it, upload it, or email it — so no jurisdiction is a dead end. And it's built for the household, not just the individual: spouses share access with their own separate logins, and you can bring in an advisor with visibility scoped to exactly what they need to see.
15-day free trialNo bank credentials requiredWorks for accounts in any countryBuilt for households, not just individualsFlat subscription · no AUM fee
Where they differ
Both consolidate net worth. The split happens at what each tool does with the organized data — and which accounts it can actually reach.
| Feature | NettWorth | Kubera |
|---|---|---|
| Net worth consolidation across accounts | ||
| Multi-currency asset tracking | ||
| Subscription model (no AUM fee) | ||
| Works for accounts outside US and Europe | ||
| Reads documents (grant letters, K-1s, deeds, pension statements) | ||
| Equity comp with vesting, AMT, exercise timing | ||
| Cross-border compliance deadlines (FBAR, FATCA, vest windows) | ||
| No bank credentials required | ||
| Transaction-level structuring across accounts and assets, built for tax | ||
| Tax filing support (organizes data the way an accountant needs it) | ||
| Wealth manager view (gaps, exposure, decision context) | ||
| Insurance policies as part of the picture (life, disability, property, umbrella) | ||
| Spouses manage the household together, separate logins | Dead Man's Switch only | |
| Scoped, secure advisor and accountant access | ||
| Tracks crypto, vehicles, collectibles via aggregation | Limited | |
| 50+ account connection types | Core types |
Four things that matter once you get past the dashboard
A net worth number is useful. What makes it actionable is different.
Tracking is the start, not the finish
Kubera gives you a number. NettWorth structures every transaction behind that number — across every account and asset — so the data is usable the moment tax season, a wealth manager, or a legal situation asks for it. The net worth view exists because everything downstream needs it.
What you do with the number matters more than the number.
Outside US and Europe, aggregators hit a wall
Plaid and similar APIs work well when your accounts sit in US or European institutions. For NRE/NRO accounts, a UAE bank, a Singapore brokerage, Indian mutual funds — the choice is manual entry or nothing. NettWorth gives you three ways in: enter it yourself, forward a document, or email it to your private inbox. No API dependency, no jurisdiction limit.
Works for the accounts aggregators can't reach.
Equity grants are not a brokerage balance
RSUs, ISOs, and options live in grant letters, not bank accounts. Kubera shows a value if you enter it. NettWorth reads the actual grant letter — extracting vest schedules, strike prices, AMT exposure, and exercise windows. The difference matters when you're deciding whether to hold or exercise.
The decision requires the detail.
The household runs it together
Kubera's answer to family is a Dead Man's Switch — a break-glass handoff if something happens to you. NettWorth is built for the household while everyone's still here: spouses get their own login and manage the picture together, and you can bring in an advisor or accountant with access scoped to exactly the part of the portfolio they need to see.
Built for the family that's managing wealth, not just the one that inherits it.
NettWorth vs Kubera, answered
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Knowing the number is easy. Knowing what to do with it is the hard part.
Forward a statement, grant letter, or K-1. NettWorth organizes your financial picture for the moments that use it. 15-day trial, no charge if you cancel. First hundred members lock in $100/yr for life.
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