Kubera charges $2,499 a year
for what we include at $199.
Kubera is a premium net-worth tracker for self-directed wealth — and a genuinely good one. But the trust-and-LLC entity mapping it locks inside its $2,499/yr Black tier is standard in Formation's one full-access plan, next to AURA (a cited AI assistant), cross-custodian tax, and planning Kubera doesn't run at all.
No charge today · Cancel in two clicks · Founding price $199/yr, locked for as long as you stay
What Kubera does well
It's the strongest pure net-worth tracker for self-directed wealth, and we'll say so plainly. Best-in-class breadth — it aggregates not just banks and brokerages but crypto and DeFi wallets, precious metals, domains, even cars — plus multi-currency support, IRR analytics, a principled privacy-first subscription (you're the customer, not the product), and the “Life Beat” estate handoff that hands a beneficiary read-only access if something happens to you. For tracking a wide, exotic balance sheet, it's excellent.
Feature by feature
Kubera
Essentials + Black
Formation
one plan · $199/yr founding
Kubera tiers per kubera.com / help.kubera.com as of June 2026 (Essentials $249/yr, Black $2,499/yr — both billed annually). Black-only features noted inline. Formation is one full-access plan — $29.99/mo or $349/yr list; founding members lock $17.99/mo or $199/yr during the launch window.
Independent signals
We'll give Kubera its due.
Kubera is a privacy-first web app with no app-store score to lean on — so we won't invent one. The honest contrast isn't quality; it's where a tracker stops and an intelligence layer begins.
Kubera is the best pure net-worth tracker for self-directed wealth — broad asset coverage, a principled privacy-first subscription, and a Life Beat estate handoff we respect enough to be building our own version of. But it's a tracker: no cited AI assistant, no cross-custodian tax engine, no equity-comp suite — and the entity model most complex households actually need sits behind its $2,499 Black tier. Formation includes that in the one plan — $199/yr founding · $349/yr list — and adds the intelligence Kubera doesn't.
$2,499/yr Black — for trust / LLC mapping (help.kubera.com) · $249/yr Essentials · annual only (kubera.com) · Annual only no monthly option (kubera.com)
The Kubera Black question
The $2,499 feature comes standard at $349.
Kubera locks trust, LLC, and family-entity mapping inside Black — $2,499 a year. In Formation it's standard in the one plan, next to AURA — a cited AI assistant that shows its work on every number — a cross-custodian wash-sale engine, and the tax and equity-comp planning Kubera doesn't run. And if you're switching from Kubera during the founding window, we'll help you migrate your accounts, entities, and documents — hands-on, free.
Common questions
Is Formation a good Kubera alternative?
Formation is built for households whose finances have outgrown a single-login tool: money spread across many custodians, more than one legal entity (trusts, LLCs, S-Corps), equity compensation, K-1s, and multi-state tax — unified in one view, organized by the entity that owns each account, with every number traced back to its source. The feature-by-feature table above lays out where Formation differs from Kubera so you can judge the fit for your own situation.
How much does Formation cost compared to Kubera?
Formation is one plan with full access — $29.99/month or $349/year list, and founding members lock $17.99/month or $199/year for as long as they stay subscribed. Every subscription starts with a 7-day free trial; there is no free tier and no percentage-of-assets (AUM) fee. The pricing row in the comparison table above shows how that lines up against Kubera.
Can Formation handle trusts, LLCs, equity compensation, and K-1s?
Yes. Formation models every account by the legal entity that owns it (personal, joint, trust, LLC, S-Corp), tracks RSUs, ISOs, NSOs, and ESPP with alternative-minimum-tax awareness, ingests Schedule K-1s from PDF, and runs cross-custodian, wash-sale-aware tax-loss harvesting across all your brokers at once. AURA, Formation's education-only AI, explains and analyzes these numbers but never gives personalized advice, places trades, or moves money.
Keep the breadth. Lose the $2,499 paywall.
Bring every account and entity into one cited view — with the AI, tax, and planning Kubera leaves out — and we'll help you move over, free.
No charge today · Cancel in two clicks · Founding price $199/yr, locked for as long as you stay
Full pricing detailsCompare Formation to other tools