Guide · 8 min read · Updated July 2026
Kubera alternatives: 7 net-worth trackers for complex wealth
Kubera earned its reputation. It connects almost anything — brokerages, banks, crypto wallets, real estate, even domains and cars — into one clean, private list, and for a lot of wealthy households that list is exactly what they wanted.
But a net worth is not always a list. Once your balance sheet spans a revocable trust, an LLC, joint and separate property, K-1 positions, and five custodians, a flat tracker starts needing a spreadsheet next to it — and the spreadsheet is where the real work happens. This guide compares the credible alternatives honestly, including the cases where Kubera remains the right answer. Prices are list prices as of July 2026 and change; check each vendor.
What Kubera gets right — and where households outgrow it
Kubera's strengths are real: the broadest asset connectivity in the category, a fast setup, a privacy-first posture (no ads, no data resale), and a design that respects your attention. At roughly $249/yr it is priced like the premium tool it is. If your wealth is one owner deep — everything titled to you, however many accounts — it delivers.
Households outgrow it on structure, not size. Kubera records what you own; it doesn't model who owns it (trust vs. LLC vs. joint), and it doesn't reason about it — there's no tax layer (no wash-sale awareness, no bracket context), no equity-compensation modeling, and no analysis engine. It's a superb ledger that stays a ledger.
Formation — for wealth organized by entity, with a tax layer
Formation is built for the self-directed household whose complexity broke the flat list: multiple custodians, a trust or LLC in the mix, equity comp, maybe a few private funds. Net worth is organized by legal owner — personal, trust, LLC, joint — so the balance sheet finally matches how the wealth is actually titled.
On top of the ledger sits the reasoning Kubera skips: a cross-custodian wash-sale scan (IRS §1091, including controlled IRAs), equity-grant and K-1/capital-call tracking, and AURA — Formation's AI that answers questions about your own numbers with every figure cited to its source. AURA is education-only: it explains, it never gives personalized advice, and Formation never executes trades. $17.99/mo or $199/yr founding-member pricing (list $29.99/mo · $349/yr), locked for as long as you stay subscribed, 7-day free trial.
Monarch Money — for households that live in the budget
Monarch is the best shared-household budgeting app you can buy (about $99/yr): cashflow, categories, goals, and a couples experience nothing else matches. Its investment layer is intentionally basic — a holdings list without lot-level tax context, entity structure, or private-asset depth. If the daily job is spending and the balance sheet is simple, Monarch is the answer; if the balance sheet is the job, it isn't.
Vyzer — for private-investment-heavy portfolios
Vyzer (from about $348/yr) centers on what most trackers ignore: syndications, real-estate LPs, and private funds, with cash-flow projections for capital calls and distributions. If the majority of your wealth sits in private deals, it deserves a look. Public-market tooling and day-to-day cashflow are weaker, and there's no tax layer.
Asora and Masttro — family-office-grade reporting
These are consolidated-reporting platforms for family offices: document ingestion, ownership structures, institutional reporting packs. They handle complexity well beyond any consumer tool — at institutional pricing with white-glove onboarding to match. For a self-directed household under ~$25M running its own money, they're more platform than you'll use.
ProjectionLab — for long-horizon modeling, next to a tracker
ProjectionLab (about $108/yr) is a planning sandbox, not a live tracker: Monte Carlo simulation, retirement scenarios, tax-aware drawdown modeling. It doesn't aggregate accounts in real time, so most owners run it alongside a tracker rather than instead of one.
Tiller — or your own spreadsheet — for full control
Tiller ($79/yr) feeds transactions and balances into Google Sheets or Excel daily. You get total flexibility and zero opinionation: every entity view, tax check, and chart is yours to build — and maintain. It's the honest benchmark for every tool on this page: if a paid app doesn't beat the spreadsheet you'd otherwise build, keep the spreadsheet.
How to choose
Match the tool to the dominant job, not the feature list:
- One owner, many asset types, want a beautiful flat list → Kubera.
- Budget and shared cashflow are the daily job → Monarch Money.
- Trust/LLC structure, multiple custodians, taxes and equity comp in play → Formation.
- Majority of wealth in private deals and syndications → Vyzer.
- Staffed family office needing reporting packs → Asora or Masttro.
- Long-range plan modeling → ProjectionLab, next to your tracker.
- Full control and no subscription fatigue → Tiller or your own spreadsheet.
The quick test
Count the legal owners on your balance sheet. If the answer is one, a flat tracker like Kubera will serve you well. If it's more than one — a revocable trust, an LLC for the rental, joint accounts plus separate property — a flat list will always need a spreadsheet next to it, and you should pick a tool that models entities natively.
Frequently asked
Is Kubera worth it in 2026?
For a single-owner balance sheet with diverse assets — including crypto, real estate, and collectibles — yes; its connectivity and privacy posture remain best-in-class. The households that leave are the ones whose complexity is structural: entities, multi-custodian tax questions, equity comp. Kubera records that wealth but doesn't organize or reason about it.
Which Kubera alternative handles trusts and LLCs?
Formation models entities natively — accounts are assigned to their legal owner and net worth rolls up per entity and in total. Asora and Masttro also model ownership structures, at family-office pricing. Most consumer trackers, Kubera included, treat the household as one flat owner.
Is there a free Kubera alternative?
A spreadsheet — genuinely. Credible aggregation costs money (data connections are licensed per account), so sustainable trackers charge for it; free tools have to make the money back somewhere, often with your data or with sales outreach. Tiller at $79/yr is the closest thing to a fair shortcut.
Do any of these alternatives help with tax-loss harvesting?
Most trackers have no tax layer at all. Formation runs a cross-custodian wash-sale scan (IRS §1091, including controlled IRAs) and flags harvest opportunities and blocked positions — as education, with every number cited. It does not execute trades; you act through your own broker.
In Formation
See your net worth by entity
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