Kubera

Kubera exists for the part of someone’s net worth that most budgeting apps simply can’t see. Beyond the usual bank and investment account sync across roughly 20,000 institutions, it tracks crypto wallets and exchange balances, real estate valued through a Zillow address lookup, vehicles, and even collectibles, so the net-worth number actually reflects everything someone owns rather than just what sits in a connected bank.

There’s no free tier here, which sets it apart from most of this category. Essentials runs $249 a year, while the Black tier, aimed at more complicated financial lives with trusts, multiple entities, or larger portfolios, costs $2,499 a year. That pricing puts Kubera out of reach for someone who just wants a basic dashboard, but it’s a natural fit for anyone with meaningful assets outside a typical bank account, a rental property, a crypto position, a paid-off car worth tracking, who has been cobbling together a spreadsheet to keep it all in one place.