--- title: Kubera alternatives: seven tools compared url: https://wealthscout.app/compare/guides/kubera-alternatives checked: 2026-08-20 --- # Kubera alternatives: seven tools compared > Kubera is a very good balance sheet. What it will not do is tell you what that balance means for a date. If you want the total run forward, with owners and the tax of getting money out, WealthScout answers that. If you want the widest asset coverage and live links, stay. Checked 2026-08-20. Source: https://wealthscout.app/compare/guides/kubera-alternatives Kubera covers more kinds of asset than anything else here and keeps them current through account links. For someone holding property, private holdings and crypto across several countries, that breadth is the product. Two things send people looking. The price, at $250 a year with no free plan. And the ceiling: it totals what you own without an owner behind each item, and it cannot tell you what that total will be worth later. ## WealthScout **Top pick for:** People who want the total forecast forward, with owners and extraction tax counted. **Best for:** People holding more than one asset class, and often more than one owner. 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. **Strengths** - 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. **Limits** - 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. - **Pricing.** $99 a year — Plus is $99 a year, or $11.99 a month. One subscription per household, with no per-person charge. Free plan: Free has no time limit and asks for no payment. It includes one user, your complete current position, up to 10 share holdings in one supported market, one property and a current-trajectory projection.. ## Kubera **Top pick for:** Anyone tracking many hard to price assets who wants live links and one clean total. **Best for:** People holding many hard to price assets who want live links and one total. Broad asset coverage and multi-currency net worth, kept current by links to banks, brokers and crypto accounts. **Strengths** - Very wide asset coverage, including hard to price items. - Account links in many countries. - A beneficiary handover tool. **Limits** - 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. - **Pricing.** $250 a year — Essentials is $250 a year. Black, which adds ownership tags and nested portfolios, is $2,500 a year. There is no free plan. No free plan. Head to head: https://wealthscout.app/compare/kubera-vs-wealthscout ## Finary **Top pick for:** European investors wanting linked accounts and a clean total on a smaller budget. **Best for:** European investors who want linked accounts and a clean total. Linked accounts and a well-made net worth view, strongest in Europe. **Strengths** - Strong account connection coverage in Europe. - A clear, well-designed net worth view. - A usable free plan. **Limits** - Absent on ownership and on entities. - No real forecasting. - Coverage thins outside Europe. - **Pricing.** $64 a year (charged as EUR 54.99 a year, converted 2026-08-19) — Lite is the entry paid plan. Plus is EUR 149.99 a year and Pro is EUR 349.99. Free plan: Free links accounts and shows net worth.. Head to head: https://wealthscout.app/compare/finary-vs-wealthscout ## ProjectionLab **Top pick for:** People whose question is purely the forecast, with no need to keep a ledger. **Best for:** Planners who want the widest range of forecast tests and will type the figures in. A dedicated planning tool with deep scenario work, Monte Carlo and past market runs, and a clear interface for building a retirement plan. **Strengths** - The broadest set of plan tests of anything here. - Strong scenario comparison and charting. - Detailed personal tax modelling inside the plan. **Limits** - 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. - **Pricing.** $129 a year — Premium is $129 a year. Pro, for advisers, is $549 a year. Free plan: Basic runs in the browser and saves nothing to an account.. Head to head: https://wealthscout.app/compare/projectionlab-vs-wealthscout ## PocketSmith **Best for:** People who want to forecast the bank balance week by week. Cash, budgets and cashflow forecasting driven by bank feeds. **Strengths** - Genuinely good cashflow forecasting. - Bank feeds in several countries. - Budgets and categories done properly. **Limits** - Cashflow forecasting is not balance sheet projection. - No ownership model and no extraction tax. - Investments are shallow next to a real portfolio tool. - **Pricing.** $85 a year (charged as AUD $9.99 a month, billed annually, converted 2026-08-19) — Foundation is the entry paid plan. Bank feeds and the longer forecasts sit on Flourish and Fortune above it. Free plan: Free covers manual entry and a small number of accounts.. Head to head: https://wealthscout.app/compare/pocketsmith-vs-wealthscout ## CompiledSanity **Top pick for:** People who want the whole thing for a few dollars and will maintain it themselves. **Best for:** People who want to own the file outright and change any formula in it. A comprehensive personal wealth spreadsheet covering net worth, property, shares, debt and retirement, bought once and owned. **Strengths** - Bought once, owned forever, updates included. - Every formula is open to change. - Covers a lot of ground for a few dollars. **Limits** - A sheet of formulas cannot hold multiple entities and their tax. - Rules change every year and the sheet does not. - You maintain it. - **Pricing.** $7 once (charged as AUD $10 once, converted 2026-08-19) — The Complete Edition is bought once and updates are included. You own the file. Free plan: A free Beginner Edition covers the basics.. Head to head: https://wealthscout.app/compare/compiledsanity-vs-wealthscout ## Portfolio Performance **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. **Strengths** - Free and open source. - Nothing leaves your machine. - Detailed performance measurement. **Limits** - You maintain it yourself. - No property, debt or net worth modelling. - A steep start for anyone not comfortable with the tooling. - **Pricing.** Free — There is no paid plan and no account. You install it and keep the file. Free plan: The whole product is free and open source, and runs on your own machine.. Head to head: https://wealthscout.app/compare/portfolio-performance-vs-wealthscout ## Questions **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. ## Sources - Product pricing and feature pages, checked on the date shown