Kobah vs Kubera

When Kubera is the right choice

• You hold substantial wealth in alternative assets: NFTs, fine art, collectible watches, classic cars, wine.
• You want built-in beneficiary management and estate-planning features.
• The annual subscription ($250 to $2,500) is comfortable in your budget.
• You value asset breadth over speed and daily ergonomics.

When Kobah is the right choice

• Your wealth is in financial assets: stocks, ETFs, crypto, cash, gold, real estate.
• You check your net worth daily or weekly and want speed (10-second-glance ergonomics).
• You'd rather not pay $200+ a year for a tracker.
• You want a tool built specifically around multi-currency, not adapted for it.
• You want a permanent free tier, not a 14-day trial.

Side by side

Price as the leading dimension

Kubera's lowest tier is $250 a year. The Black tier is $2,500 a year. For users with substantial alternative assets and estate-planning needs, that's a fair price for what you get. For the median expat investor with stocks, ETFs, crypto, and a couple of cash accounts, that's a lot of money for daily net worth checking. Kobah is free up to 5 positions and will likely launch a paid tier in the $5 to $10 per month range when it does. Closer to the cost of a coffee than a financial product.

Asset breadth: financial versus everything

Kubera's pitch is that everything you own can live in one place: your NFTs, your wine collection, your watch collection, your vehicles. That's genuinely useful if you have those assets and want to track them. Kobah focuses on financial assets: stocks, ETFs, cryptocurrencies, precious metals, cash, real estate, and debt. Most people's net worth is in those categories. If yours isn't, Kubera is the better fit.

Speed and daily use

Kobah is built for the user who opens the app on a Sunday morning, glances at the headline net worth, scans the chart, and closes the app in 10 seconds. Every design decision serves that workflow. Kubera is built for a more deliberate review. Its strength is showing you everything you own, which takes more screen and more scrolling. Different workflows for different relationships with your portfolio.

Privacy: both manual-entry capable, different defaults

Kubera supports manual entry but encourages bank linking via Plaid for sync. Kobah never offers Plaid, by design. If your stance on bank-linking is 'I tolerate it,' Kubera's flexibility is fine. If your stance is 'no third party touches my bank,' Kobah is the only option that structurally guarantees it.

Estate planning and beneficiary handoff

Kubera's beneficiary feature lets a designated person inherit access to your records if something happens to you. It's a real feature that Kobah doesn't currently offer. If estate planning is in your top three reasons for using a net worth tracker, Kubera is genuinely the better tool. Most users don't prioritize it, but if you do, this matters.