Kubera alternatives: seven tools compared

What to use instead

1. WealthScout

   $99 a year USDchecked August 20, 2026

   The pick for: Households that want the total forecast forward, with owners and extraction tax counted.

   Records shares, property, cash, debt, retirement accounts, income and spending against the owner of each asset, then projects their value over time, calculating tax on returns while assets are held and again when money is paid out to a person.

   Strong at

   • Share and crypto prices update automatically, so your net worth reflects current market values without a bank connection.
   • An owner on every asset, including trusts, companies and retirement structures.
   • Projections use the figures you already track, so you do not retype them.
   • Thirteen countries with local tax treatment.
   • Reports and projections use the same dated figures, so they cannot disagree.

   Where it stops

   • No bank or broker connections. Broker files are imported and checked before they post.
   • No tax returns and no jurisdiction tax reports.
   • Opens to the public country by country.

   WealthScout pricing

2. Kubera

   $250 a year USDchecked August 20, 2026

   The pick for: Anyone tracking many hard to price assets who wants live links and one clean total.

   Broad asset coverage and multi-currency net worth, kept current by links to banks, brokers and crypto accounts.

   Strong at

   • Very wide asset coverage, including hard to price items.
   • Account links in many countries.
   • A beneficiary handover tool.

   Where it stops

   • It records a balance without recording who owns the asset.
   • It cannot project your net worth into the future.
   • No budgeting, and no free plan.

   Kubera pricingKubera vs WealthScout

3. Finary

   $64 a year USDchecked August 20, 2026

   The pick for: European households wanting linked accounts and a clean total on a smaller budget.

   Linked accounts and a well-made net worth view, strongest in Europe.

   Strong at

   • Strong account connection coverage in Europe.
   • A clear, well-designed net worth view.
   • A usable free plan.

   Where it stops

   • Absent on ownership and on entities.
   • No real forecasting.
   • Coverage thins outside Europe.

   EUR 54.99 a year, converted on August 19, 2026Finary pricingFinary vs WealthScout

4. ProjectionLab

   $129 a year USDchecked August 20, 2026

   The pick for: People whose question is purely the forecast, with no need to keep a ledger.

   A dedicated planning tool with deep scenario work, Monte Carlo and past market runs, and a clear interface for building a retirement plan.

   Strong at

   • The broadest set of plan tests of anything here.
   • Strong scenario comparison and charting.
   • Detailed personal tax modelling inside the plan.

   Where it stops

   • Every value is entered and maintained by hand, so the plan becomes out of date between updates.
   • It keeps no ledger of trades, property costs or debt.
   • It does not model an entity's own tax or what extraction costs.

   ProjectionLab pricingProjectionLab vs WealthScout

5. PocketSmith

   $85 a year USDchecked August 20, 2026

   Best for: People who want to forecast the bank balance week by week.

   Cash, budgets and cashflow forecasting driven by bank feeds.

   Strong at

   • Genuinely good cashflow forecasting.
   • Bank feeds in several countries.
   • Budgets and categories done properly.

   Where it stops

   • Cashflow forecasting is not balance sheet projection.
   • No ownership model and no extraction tax.
   • Investments are shallow next to a real portfolio tool.

   AUD $9.99 a month, billed annually, converted on August 19, 2026PocketSmith plansPocketSmith vs WealthScout

6. CompiledSanity

   $7 once USDchecked August 20, 2026

   The pick for: People who want the whole thing for a few dollars and will maintain it themselves.

   A comprehensive personal wealth spreadsheet covering net worth, property, shares, debt and retirement, bought once and owned.

   Strong at

   • Bought once, owned forever, updates included.
   • Every formula is open to change.
   • Covers a lot of ground for a few dollars.

   Where it stops

   • A sheet of formulas cannot hold multiple entities and their tax.
   • Rules change every year and the sheet does not.
   • You maintain it.

   AUD $10 once, converted on August 19, 2026CompiledSanity pricingCompiledSanity vs WealthScout

7. Portfolio Performance

   Freechecked August 20, 2026

   Best for: People who want their data local, free and under their own control.

   Free, open source portfolio tracking that runs on your own machine and keeps the file on your disk.

   Strong at

   • Free and open source.
   • Nothing leaves your machine.
   • Detailed performance measurement.

   Where it stops

   • You maintain it yourself.
   • No property, debt or household modelling.
   • A steep start for anyone not comfortable with the tooling.

   Portfolio PerformancePortfolio Performance vs WealthScout

Questions people ask

Is there a cheaper alternative to Kubera?

Most of this list. Finary Lite and WealthScout Plus both cost well under half of Kubera Essentials, and CompiledSanity is a single small payment. None of them match Kubera's breadth of asset links.

Does anything here handle trusts and companies?

WealthScout puts an owner on every asset, including trusts, companies and retirement structures, and models the tax of taking money out of them. Kubera Black adds ownership tags at $2,500 a year.

Which of these link to accounts?

Kubera, Finary and PocketSmith. The rest do not.