Kubera vs TrackMyStack: Which Net Worth Tracker Is Right for You?
Two Apps Walk Into a Bar…
One orders a $2,499 cocktail. The other says “I’ll have water — and I brought my own glass.”
That’s essentially the difference between Kubera and TrackMyStack. Both help you track your net worth, but they come from completely different planets.
Kubera positions itself as “the balance sheet HNIs live by” — a premium tool for high-net-worth individuals with complex wealth structures, multiple entities, and a taste for account aggregation. It connects to your banks and brokerages automatically, because apparently trusting a third party with your banking credentials is a feature now.
TrackMyStack takes the opposite approach: no account linking, no sign-up required, and your data stays on your device. It focuses on making net worth tracking accessible, private, and affordable for anyone — whether you’re tracking your first £1,000 in savings or a seven-figure portfolio spread across five currencies.
Both are solid tools. They just disagree on what “tracking your wealth” should look like. Let’s break it down.
Kubera
Kubera was founded by a team that wanted a unified view of wealth across borders and asset classes. Fair enough — that’s a real problem. Their solution is to connect to thousands of financial institutions worldwide through multiple aggregation partners, and then pile on features like AI document parsing, multiplayer portfolio sharing, and even a “dead man’s switch” (which is either brilliant estate planning or slightly morbid branding — you decide).
It’s clearly built for people whose accountant has an accountant.
Kubera Features
- Bank and brokerage aggregation: Connects to thousands of institutions globally via multiple aggregators
- Digital asset support: Exchanges, wallets, DeFi, NFTs, staking, and lending — the full crypto buffet
- AI Import: Upload statements or screenshots and let AI parse them (for when you can’t be bothered to read your own documents)
- Nested portfolios: Map trusts, LLCs, and holding company structures. Because one portfolio is for amateurs.
- Multiplayer: Share portfolios with family, advisors, or accountants with granular access control
- Fast Forward: Scenario planning tool — not your grandma’s retirement calculator
- Club benchmarks: Compare your allocation against anonymised peers with similar net worths. Competitive wealth tracking. What a time to be alive.
- Proof of Wealth: Generate self-attested proof of funds verified by Kubera
- Dead Man’s Switch: Automatically delivers portfolio details to your beneficiaries if you go silent. Cheerful.
- Multi-currency: Native support across currencies
- Cash management: Liquidity tracking and forecasting
- AI Advisor: Integrations with ChatGPT, Claude, Gemini via MCP
Kubera Pricing
Sit down for this one.
- Essentials — $249/year. Includes all core features.
- Black — $2,499/year. Adds nested portfolios, granular access control, concierge onboarding, and VIP support with 1:1 Zoom calls.
Both come with a 14-day free trial. There is no free tier. So if you’re just curious, you have two weeks to decide if your net worth is worth $249/year to look at.
Kubera: Pros and Cons
Pros:
- Comprehensive account aggregation across global institutions
- Excellent support for alternative investments, private equity, and LP positions
- AI-powered document import saves time on manual entry
- Features like dead man’s switch and proof of wealth are genuinely unique
- SOC 2 Type I certified
- Strong multi-entity support for complex wealth structures
Cons:
- Minimum $249/year — that’s a lot of money to track your money
- Requires linking your financial accounts, which means sharing credentials with third-party aggregators
- The Black tier at $2,499/year costs more than some of the assets you might be tracking
- No free tier — you commit after the 14-day trial or you lose access
- Web-focused — no native mobile apps (uses a PWA approach)
- Account aggregation connections can and do break, requiring re-authentication. Ask anyone who’s used Plaid.
Who is Kubera for?
Kubera is built for high-net-worth individuals who manage wealth across multiple entities (trusts, LLCs, holding companies), work with financial advisors, and need features like estate planning and institutional-grade reporting.
If your financial life involves capital calls, LP distributions, and conversations with people who say “let me loop in my family office,” Kubera is your tool.
TrackMyStack
TrackMyStack is a net worth and portfolio tracker that works without linking any financial accounts. You add your assets — stocks, ETFs, crypto, real estate, cash, loans — and the app automatically tracks their market value. Everything stays on your device.
No sign-up required. Download the app, start adding assets, and you’re tracking your net worth within minutes. It’s the kind of experience that makes you wonder why other apps need your email, phone number, blood type, and mother’s maiden name just to show you a pie chart.
TrackMyStack Features
- Unlimited portfolios and assets: Create as many portfolios as you want, each in its own currency
- Automatic price tracking: End-of-day prices for stocks, ETFs, crypto, and more (real-time on Premium, for the impatient)
- Multi-currency: Each portfolio can use a different base currency, including Bitcoin and Ethereum — yes, you can denominate your entire net worth in BTC if you enjoy emotional volatility
- Historical dividend tracking: Track dividends received with full history
- Portfolio performance: Compare portfolios, see allocation breakdowns, and track performance over multiple time frames
- Face ID / PIN protection: Lock the app behind biometric authentication, because nobody needs to see your net worth over your shoulder
- Import/Export: Full data portability — no lock-in
- Syncing: Encrypted cloud backup to access your data across devices
- Web, iOS, and Android: Native apps on all platforms
- Cost basis and unrealised P/L: Track what you paid versus what it’s worth (brace yourself)
- Retirement age estimator: Built-in FIRE planning tool (Premium)
TrackMyStack Pricing
- Free — Unlimited portfolios and assets, end-of-day prices, dividend tracking, import/export, biometric protection, cloud syncing
- Premium — $4/month or $30/year. Adds real-time intraday prices, upcoming dividends, retirement age estimator, and priority support. Also comes with a 1-week free trial.
The free tier is fully functional — not a stripped-down demo that’s technically free but practically useless.
TrackMyStack: Pros and Cons
Pros:
- Free tier that’s genuinely useful, not a marketing trick
- No account linking means zero exposure of your banking credentials to third parties
- No sign-up required — start tracking immediately
- Native iOS and Android apps plus a web app
- Each portfolio can use a different currency (including BTC/ETH)
- Full data export at any time — your data, your rules
- Premium at $30/year costs less than a single month of some competitors’ cheapest plan
- Works offline — your data lives on your device, not on someone else’s server
Cons:
- No account aggregation — you enter assets manually (prices update automatically, but you add the holdings yourself)
- No support for complex ownership structures like trusts or LLCs
- No multiplayer or advisor sharing features
- Limited alternative investment support — no direct Carta integration or private equity capital call tracking
Who is TrackMyStack for?
TrackMyStack is for individual investors who want a simple, private way to see their complete financial picture without handing their bank credentials to a third party. If your wealth management strategy is “I’ll handle it myself, thanks,” this app was made for you.
It’s also a strong choice for people outside the US, since it supports any currency and doesn’t depend on institution-specific integrations that only work in North America.
Kubera vs TrackMyStack: Head-to-Head
| Kubera | TrackMyStack | |
|---|---|---|
| Primary approach | Account aggregation | Manual entry with automatic price tracking |
| Price | $249–$2,499/year | Free (Premium: $30/year) |
| Free tier | No (14-day trial) | Yes, fully featured |
| Premium trial | 14 days | 1 week |
| Account linking | Yes, required for core value | No — privacy by design |
| Asset coverage | Stocks, crypto, PE, alts, real estate, DeFi, NFTs | Stocks, ETFs, crypto, real estate, cash, loans, bonds |
| Multi-currency | Yes | Yes (including BTC/ETH denominated portfolios) |
| Platforms | Web (PWA) | iOS, Android, Web |
| Complex structures | Trusts, LLCs, nested portfolios (Black tier) | Unlimited flat portfolios |
| Advisor sharing | Yes, granular access control | No |
| Offline access | No | Yes |
| Privacy model | SOC 2 certified, aggregator-based | No accounts linked, data stays on device |
| Estate planning | Dead man’s switch, proof of wealth | Not available |
| Sign-up required | Yes | No |
The Bottom Line
Let’s be honest: Kubera and TrackMyStack aren’t really competing for the same user, and that’s fine.
If you manage wealth across multiple legal entities, work with financial advisors, and genuinely need features like proof of wealth, estate planning, and a concierge onboarding experience — Kubera was built for you. The $249/year is the cost of doing business at that level. The $2,499/year tier is… well, at that price you could also hire a human to update a spreadsheet for you, but Kubera is probably more reliable.
If you’re an individual investor who wants to see their complete financial picture without sharing credentials with anyone, TrackMyStack does exactly that — for free. Unlimited portfolios, automatic price tracking, multi-currency support, and full data portability. Premium at $30/year adds real-time prices and retirement planning, which is still less than what you’d spend on a nice dinner.
The real question isn’t which app is better. It’s this: do you want everything connected and automated, or do you want full control and privacy? Your answer picks your tool.
And if you’re still unsure, here’s a simple test: does your financial life require the word “entity” to describe it? Kubera. Does it not? TrackMyStack. You’re welcome.