Kubera

Key features

• Unified net-worth and portfolio dashboard that aggregates global bank, brokerage, crypto and other financial accounts via multiple account aggregators (Plaid, Mastercard, MX, Yodlee, SnapTrade, Lean, Akahu, Salt Edge), plus manual assets—so you can track nearly any stock, ETF or mutual fund across major exchanges worldwide.
• Broad multi-asset coverage including bank accounts, stocks, bonds, funds, private-company equity via Carta, venture investments, crypto wallets and exchanges, DeFi assets, real estate, vehicles, precious metals and other alternatives.
• Digital-asset engine that connects directly to major blockchains, exchanges and wallets, tracks DeFi, NFTs, staking and lending activity, categorizes stablecoins as cash equivalents and lets you view net worth over time in Bitcoin.
• Multi-currency wealth tracking designed for cross-border users, supporting assets in many currencies while letting you monitor total wealth and performance in the base currency of your choice.
• Nested portfolios for multiple entities and ownership structures—holding companies, subsidiaries, trusts and partnerships—so you can maintain separate balance sheets and still see a consolidated net worth view.
• Collaborative “multiplayer” access with granular portfolio-level permissions for family, assistants, advisors and other collaborators, plus advisor-specific tools such as client management, customizable reporting, integrated billing, team access control and white-label portals for firms.
• Real-time reporting with dynamic allocation views and on‑demand reports that highlight performance, exposure and allocations across entities, designed to replace static PDF reports and support monthly or quarterly portfolio reviews.
• Support for investment performance metrics including CAGR and IRR at the asset, sheet and section level, driven by cash-flow inputs (cash in / cash out) rather than trade-by-trade transaction import.
• Fast Forward scenario engine that lets you apply rules (growth assumptions, debt payoff schedules, windfalls, education spending, crypto price targets and more) to model how different decisions could shape your future net worth.
• Cash management and forecasting tools that aggregate cash across accounts, model upcoming capital calls and expenses, and help avoid forced sales by ensuring you hold sufficient liquidity for bills and capital calls.
• Club Benchmarks feature that compares your allocations and performance against anonymized cohorts of similar Kubera users, helping refine allocation and risk decisions.
• Portfolio-level rebalancing recommendations that highlight diversification issues and surface risk concentrations before they grow, complementing allocation and performance views (recommendations only, no trade execution).
• Encrypted document vault tied to assets, suitable for storing cap-table exports, term sheets, estate plans and other critical documents alongside the holdings they reference.
• Dead Man’s Switch (beneficiary workflow) with an automated Life Beat Check that emails you after a period of inactivity and, if you don’t respond after multiple reminders, delivers an export of your Kubera data and documents to designated beneficiaries or backup contacts as an Excel file plus ZIP archive of documents.
• Advisor- and family-office–friendly features including secure client sharing, white-label portals, Carta integration for private equity, client management tools and team access control, oriented around financial advisors and family-office managers.
• First-party Kubera API for programmatic access to your own real-time portfolio data, with 30 requests per minute and per-day quotas by plan (100 requests/day on Essentials, 1000/day on Black and Kubera for Business), accessible via Settings → API.
• Documented market-data refresh schedules: US stock tickers and crypto tickers update roughly every 20 minutes, non-US equity and fund/bond tickers end-of-day, fiat FX rates every 2 hours, DeFi tokens hourly, and property/vehicle valuations monthly; connected accounts typically sync holdings every 24–48 hours.
• Security-first progressive web app that installs like a native app on iOS, Android and desktop via app.kubera.com, behaving like a native app once added to the home screen or installed from the browser.
• Subscription pricing with a 14‑day fully-loaded trial, then Kubera Essentials at $249/year (all features except Kubera Black additions), Kubera Black at $2499/year (adds nested portfolios, granular access control, concierge onboarding and VIP 1:1 support), and Kubera White Label for firms starting at $299/month.

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