Best Kubera Alternative
Kubera is a wealth tracker built for high-net-worth individuals who want to see all assets including real estate, vehicles, and domain names in one place. Clarity targets a broader retail audience with automated syncing across banks, brokerages, and crypto, emphasizing reliability and transparent pricing.
Why People Look for Kubera Alternatives
- Most expensive option at $150/year
- Limited automated syncing
- No budgeting or spending tracking
- No transaction categorization
- Small team with slower feature development
Clarity as Your Kubera Alternative
Retail investors who want reliable automated syncing across banks, brokerages, and crypto exchanges with predictable pricing.
- Banks + crypto exchanges + on-chain wallets in one dashboard
- AI-powered transaction categorization
- Automatic recurring subscription detection
- FIFO cost basis tracking for crypto
- 10,000+ merchant normalizations
Side-by-Side Comparison
| Criterion | Clarity | Kubera |
|---|---|---|
Account Coverage Range of financial accounts and asset types supported. | 5/5 Banks, brokerages, crypto exchanges, and on-chain wallets via Plaid, CCXT, and Alchemy. Internal | 5/5 Banks, brokerages, crypto, real estate (Zillow), vehicles (KBB), domains, and manual assets. Extremely broad coverage including non-financial assets. Docs |
Sync Reliability How consistently account data syncs without errors or manual intervention. | 4/5 Queue-based sync with automatic retries and error recovery across all connection types. Internal | 3/5 Broad integrations but user reports indicate inconsistent sync reliability, especially for crypto connections and alternative asset price updates. Docs |
Setup Time Time from sign-up to a fully connected, useful dashboard. | 4/5 Plaid Link for banks, API keys for crypto. Streamlined onboarding flow. Internal | 3/5 Many asset types require manual entry with estimated values. Setting up a complete picture with real estate, vehicles, and financial accounts takes significant time. Docs |
Pricing Predictability How transparent and stable the pricing is over time. | 4/5 Flat subscription with no asset-based fees or per-account charges. Internal | 3/5 Annual subscription at a premium price point targeting HNW users. Higher base cost than most consumer finance apps, though no AUM fees. Pricing |
Data Freshness How quickly new transactions and price changes appear. | 4/5 On-demand and scheduled syncs. Near real-time crypto pricing from exchange APIs. Internal | 3/5 Financial account syncs can lag. Alternative asset values like real estate and vehicles update infrequently based on third-party estimate schedules. Docs |
Historical Depth How far back transaction and portfolio history extends. | 3/5 Daily net worth snapshots and transaction history from connection date forward. Internal | 3/5 Tracks net worth over time with charts. Historical depth depends on when assets were added and third-party data availability. Docs |
Export & Reporting Ability to export data and generate financial reports. | 4/5 CSV and PDF exports with crypto cost-basis reports. Internal | 3/5 Portfolio summary exports and beneficiary access features. Limited structured reporting compared to dedicated tools. Docs |
Privacy & Security Data protection practices, encryption, and privacy controls. | 4/5 Read-only connections, encrypted at rest, no data selling. Internal | 4/5 Strong security posture with read-only access and encryption. Beneficiary access feature designed for estate planning adds a unique privacy-conscious capability. Docs |
Developer Experience API access, webhooks, and extensibility for power users. | N/A Consumer product. No public API. Internal |
Who Should Switch (and Who Shouldn't)
Switch to Clarity if...
- Hybrid investors with both traditional and crypto assets
- People who want automated categorization over manual budgeting
- Users who need a single net worth view across all accounts
- Crypto holders who need cost basis tracking for taxes
Stay with Kubera if...
- High-net-worth individuals tracking diverse assets
- Users who want to track real estate, art, and alternatives
- People who prefer manual entry with broad asset coverage
How to Switch
Switching from Kubera
- 1Sign up for Clarity and connect your bank and brokerage accounts via Plaid Link.
- 2Add crypto exchanges using read-only API keys.
- 3Note that non-financial assets tracked in Kubera (real estate, vehicles, etc.) are not supported in Clarity.
- 4Verify that financial account balances match between both platforms before canceling Kubera.
Frequently Asked Questions
Can Clarity track real estate and vehicles like Kubera?
Clarity focuses on financial accounts: banks, brokerages, and crypto. It does not track real estate values, vehicle prices, or other alternative assets. If those are important to your net worth picture, Kubera is the better fit for that specific need.
Is Kubera worth the premium price?
Kubera's pricing reflects its high-net-worth target market and the breadth of asset types it supports. If you need to track alternative assets alongside financial accounts in one place, the premium can be justified. For users focused on banks and crypto, Clarity offers similar coverage at a lower price.
Does Kubera support crypto exchanges like Clarity?
Yes, Kubera supports several crypto exchanges and blockchain wallets. However, users report that crypto sync reliability can be inconsistent compared to Clarity's dedicated CCXT and Alchemy integrations.
Which is better for estate planning?
Kubera has a unique beneficiary access feature designed for estate planning, allowing trusted contacts to view your financial picture. Clarity does not currently offer estate planning features, making Kubera the clear choice for that use case.