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Netaro vs Kubera
Kubera is a web-first net worth aggregator that links to your bank and brokerage accounts and starts at around $249 a year. Netaro is a mobile-first net worth tracker that never links to a bank, keeps your data on your phone, and is free for core tracking. Netaro is a private net worth tracker for iPhone and Android that puts stocks, crypto, cash, property, pensions, private equity, debt and valuables on one balance sheet, with no bank linking.
| Feature | Netaro | Kubera |
|---|---|---|
| Price | Free. Pro is $5.99 a month or $39.99 a year, with a 14-day free trial on annual. | From about $249 a year (Essentials). Higher tiers cost more. |
| Bank and broker linking | None. You add holdings yourself or import a broker CSV. | Yes, aggregates thousands of institutions worldwide. |
| Where your data lives | On your device, plus an optional private cloud backup. | In Kubera’s cloud, synced from linked accounts. |
| Asset classes | Stocks, crypto, cash, property, commodities, private equity, debt, valuables, other. | Stocks, crypto, DeFi, cash, property, vehicles, domains, private equity and more. |
| Property | Value minus mortgage, with fractional ownership and deed figures kept separate. | Value estimates via linked data providers, minus linked mortgage. |
| Pensions and tax wrappers | Accounts carry a wrapper (Pension, SIPP, Stocks & Shares ISA, Cash ISA, Lifetime ISA, 401(k), Roth 401(k), Traditional IRA, Roth IRA, HSA, 529 Plan, TFSA, RRSP, FHSA, RESP, RRIF, Superannuation, KiwiSaver, PRSA, ARF, Retirement Annuity, CPF, SRS) so liquidity and health reflect it. | Tracked as linked or manual accounts; no wrapper-aware analysis. |
| Platforms | iPhone and Android apps. | Web app first, with mobile apps. |
| Analysis | Portfolio Health score, liquidity, leverage and concentration insights, percentile benchmarks, AI chat, Weekly Digest (Pro). | IRR, projections, document vault, estate-planning tools. |
| Best for | People who want a private, simple daily picture of their whole net worth. | High-net-worth households who want everything auto-synced and shared with advisors. |
The core difference: linking versus not linking
Kubera is built around account aggregation. You hand it credentials for your banks, brokers and crypto exchanges and it pulls balances in automatically. That is convenient, and it is also the reason it costs what it does: aggregation providers charge per connection.
Netaro takes the opposite bet. You never link a bank. You add each holding once, market-priced assets like stocks and crypto refresh automatically every day, and everything else you update when it changes. Your portfolio lives in a local database on your phone with a private cloud backup for restore and sync.
If you have dozens of accounts that move daily, aggregation saves real time. If you have a handful of accounts, a property, a pension and some crypto, manual entry takes a few minutes a month and you keep full control of where your data goes.
Price
Netaro is free for every asset class, daily market prices, currency conversion and your full net worth history. Netaro Pro is $5.99 a month or $39.99 a year and adds the Portfolio Health score, deep insights, private benchmarks, Netaro AI and the Weekly Digest.
Kubera has no free tier. Its Essentials plan is around $249 a year at the time of writing, with a short paid trial. Its premium tier is priced for family offices.
Privacy
Both products say they do not sell your data. The difference is what data exists to protect. Kubera holds your linked account credentials and full transaction feeds. Netaro holds only what you type in, and its AI features receive a de-identified view of your holdings without your name or email.
Where Kubera is stronger
Being fair about it:
- Automatic balance sync across a very large number of institutions.
- DeFi wallet and NFT tracking.
- Document vault and estate-planning features for handing a portfolio to family.
- Sharing and advisor access controls on higher tiers.
Where Netaro is stronger
- Free to use for the whole balance sheet, with a low-cost Pro tier.
- No bank credentials ever leave your hands.
- Native iPhone and Android apps designed for a glance, not a spreadsheet.
- Tax-wrapper awareness for UK and US accounts, so an ISA or 401(k) counts differently from a taxable brokerage in liquidity and health signals.
- Portfolio Health score and private percentile benchmarks by country and age band.
- Broker CSV import that computes positions on your device.
Verdict
Choose Kubera if you have many accounts that must stay auto-synced and you are happy to pay a few hundred dollars a year for it. Choose Netaro if you want a private, mobile-first net worth tracker that is free to start and treats property, pensions and crypto as first-class assets.
Frequently asked questions
- Is Netaro a free alternative to Kubera?
- Yes for core tracking. Netaro tracks every asset class, daily prices and full history for free. Pro, at $5.99 a month or $39.99 a year, adds health scoring, benchmarks, AI and the Weekly Digest.
- Does Netaro link to banks like Kubera does?
- No. Netaro never links to a bank or broker. You add holdings manually or import a broker CSV, and market-priced assets refresh automatically each day.
- Can I move from Kubera to Netaro?
- Yes. Export your holdings from Kubera as a CSV and use Netaro Import to bring them in, or add them by hand. Most portfolios take under half an hour.
Get the app
See your real net worth tonight
Free to start, private by design, no bank connections required.
Competitor details reviewed September 2026 from public pricing and product pages. Prices and features change; check the other product’s site before deciding. Netaro is a net worth tracking tool and does not provide regulated financial advice.