# Best Kubera Alternatives in 2026: Net Worth and Portfolio Trackers

> Compare Kubera alternatives for 2026: Vyzer, Masttro, Empower, Sharesight, getquin and Raziel on asset coverage, free plans and published pricing.

URL: https://raziel.co/learn/best-kubera-alternatives
Author: Jordan Rothstein
Published: 2026-11-05

## Which Kubera alternative fits your portfolio?

Pick by what makes up most of your net worth. For a free dashboard of bank, brokerage and retirement accounts, use Empower. For listed shares, dividends and tax reports, use Sharesight, or getquin if you are a European retail investor. For LP funds and real estate syndications with cash flow planning, look at Vyzer. For a family office that needs custodian feeds and entity reporting, Masttro. If your portfolio is mostly startups, SPVs and funds, Raziel goes deeper on those positions, but it does not yet track public equities, real estate or crypto, so it is not an all-in-one net worth replacement.

Pricing and plan details below come from each vendor's public pages as of October 28, 2026. Check them again before you sign, since plans change.

## Kubera alternatives compared (as of October 2026)

| Platform | Best for | Free plan or trial | Published pricing |
| --- | --- | --- | --- |
| **[Empower](https://raziel.co/compare/raziel-vs-empower)** | Free view of bank, credit, brokerage and retirement accounts | Free dashboard | Free; optional paid advice with a $100K minimum |
| **[Sharesight](https://raziel.co/compare/raziel-vs-sharesight)** | Listed shares, dividends and tax reports | Free for 10 holdings | From $7/month billed annually |
| **[getquin](https://raziel.co/compare/raziel-vs-getquin)** | European retail investors with stocks, ETFs and crypto | Free plan; 7-day Premium trial | Premium 89.99 €/year; Wealth 149.99 €/year |
| **[Vyzer](https://raziel.co/compare/raziel-vs-vyzer)** | LP funds, real estate and cash flow planning | Free Starter plan (per reviews) | Not confirmed on vyzer.co |
| **[Masttro](https://raziel.co/compare/raziel-vs-masttro)** | Family offices, private banks and advisors | Demo only | Custom annual subscription by proposal |
| **Raziel** | Startups, SPVs, funds and entities with MOIC, IRR and TVPI | Investor: 14-day trial. Founder: free through 100 contacts | Investor $49/month through 30 companies, $199/month above |

For reference, Kubera lists Essentials at $250/year after a 14-day trial, and Black at $2,500/year with ownership tags and nested portfolios ([Kubera Black](https://www.kubera.com/kubera-black)). The trial carries a $1 non-refundable fee ([Kubera trial terms](https://help.kubera.com/article/117-why-pay-1-for-the-trial)). See [Raziel vs Kubera](https://raziel.co/compare/raziel-vs-kubera) for the full side-by-side.

## Why people look beyond Kubera

Kubera is a personal balance sheet. It pulls banks, brokerages, crypto, real estate and vehicles into one net worth view, connecting through providers such as Plaid, MX, Yodlee and SnapTrade ([Kubera](https://www.kubera.com/)). That breadth is its strength. People look elsewhere for two opposite reasons: they want something free or cheaper for everyday accounts, or they want more depth on one asset class. On the private side, Kubera's help center says private investments are added and updated manually ([Kubera private investments](https://help.kubera.com/article/92-private-investments)), though it does compute IRR from dated cash flows ([Kubera IRR help](https://help.kubera.com/article/79-irr-of-my-investment-in-kubera)) and tracks capital call schedules ([Kubera capital calls](https://help.kubera.com/article/138-capital-call-distribution-schedule)).

## Empower: free net worth for everyday finances

The Empower Personal Dashboard, formerly Personal Capital, is free and links bank, credit, loan, retirement and brokerage accounts for net worth, spending and retirement projections ([Empower tools](https://www.empower.com/personal-investors/financial-tools)). It pulls home value from Zillow and lets you add crypto by hand ([Rob Berger review](https://robberger.com/empower-review/)). Paid advice starts at $100K of investable assets ([Empower advice minimums](https://www.empower.com/personal-investors/wealth-management)). It does not describe tracking startup rounds or fund capital calls, so private holdings are a weak spot.

## Sharesight: listed shares and tax reports

Sharesight tracks listed securities on global exchanges with automatic dividends and corporate actions. The free plan covers 10 holdings, Starter is $7/month billed annually for 30 holdings, Standard is $18/month and Premium is $23.25/month ([Sharesight pricing](https://sharesight.com/pricing)). Paid plans add capital gains and income tax reports. Private companies and property are custom investments with prices you enter by hand ([Sharesight custom investments](https://help.sharesight.com/unquoted-instruments)). It announced a SOC 2 Type 2 report in 2025 ([Sharesight SOC 2](https://www.sharesight.com/blog/soc-2-certification)).

## getquin: low-cost tracking for European investors

getquin tracks stocks, ETFs, crypto, cash and net worth with connections to thousands of banks and brokers ([getquin](https://getquin.com/about-us)). The free plan includes unlimited connections, Premium is 89.99 €/year and adds IRR and dividend forecasts, and Wealth is 149.99 €/year ([getquin pricing](https://www.getquin.com/pricing/)). Start-ups can be added as alternative assets with manual prices ([getquin alternative assets](https://help.getquin.com/en/articles/6817035)); SPVs and capital calls are not described.

## Vyzer: LP funds and real estate

Vyzer combines LP investments, real estate, brokerage and bank accounts, with document upload and cash flow planning for capital calls and distributions. Reviews list a free Starter plan; The College Investor lists Plus at $36/month, Premium at $99/month and Family Office at $873/month ([The College Investor](https://thecollegeinvestor.com/44139/vyzer-review/)), but we could not confirm current prices on Vyzer's own site. It has an iOS app ([App Store](https://apps.apple.com/be/app/vyzer/id1643866332)); we found no Android app. More in [best Vyzer alternatives](https://raziel.co/learn/best-vyzer-alternatives).

## Masttro: built for family offices

Masttro serves single and multi-family offices, private banks and advisors. It lists direct feeds from 750+ custodians ([Masttro](https://masttro.com/?swu1=true)), AI that reads capital calls, distribution notices and K-1s ([Masttro Alternatives AI](https://masttro.com/platform/alternatives-ai)), and ISO/IEC 27001:2022 certification with Swiss hosting ([Masttro security](https://masttro.com/platform/data-security)). Pricing is a custom annual subscription quoted by proposal, not based on AUM, with a demo rather than a trial ([Masttro pricing](https://masttro.com/pricing)).

## Where Raziel fits

Be clear on the limit first: Raziel does not yet track public equities, real estate or crypto. All three are coming soon, not live. Bank accounts can be connected today, but if you want one net worth number across brokerages, property and wallets, Kubera, Empower or Masttro cover more today. Raziel's SOC 2 Type II and ISO 27001 work is in progress, not certified.

Where Raziel is stronger is private markets. The Investor plan tracks startups (SAFEs, priced rounds, secondaries), SPVs, fund commitments and the [entities](https://raziel.co/platform/entities) that hold them. Record a new round once and every position in that company is re-marked. [MOIC, IRR, TVPI and DPI](https://raziel.co/platform/valuations-and-returns) come from the cash flows you record, and you can forward SAFEs, statements and capital call notices for [AI document import](https://raziel.co/platform/document-import). It costs $49/month through 30 companies after a 14-day trial, then $199/month ([pricing](https://raziel.co/pricing)). Founders also get a fundraising pipeline, investor updates and a cap table, free through 100 contacts.

A common setup is both: keep Kubera or Empower for overall net worth and use Raziel for private positions, carrying the private total over as a single line. [Raziel vs Kubera vs Sharesight](https://raziel.co/learn/raziel-vs-kubera-vs-sharesight) walks through that split.

## How to choose

1. **Mostly bank, retirement and brokerage accounts?** Empower is free; Kubera if you want more asset types aggregated.
2. **Mostly listed shares and dividends?** Sharesight, or getquin in Europe.
3. **Mostly LP funds and real estate?** Vyzer, or Masttro if an office manages it.
4. **Mostly startups, SPVs and venture funds?** Raziel, alongside a net worth tool if you need one.

## FAQ

### What is the cheapest Kubera alternative?

Empower's dashboard is free, Sharesight is free for 10 holdings, and getquin has a free plan. Each is strongest on public markets and everyday accounts rather than private holdings.

### Does Raziel replace Kubera?

Not for total net worth today, since public equities, real estate and crypto are coming soon to Raziel. For startups, SPVs and funds it goes deeper, with re-marks from recorded rounds and MOIC, IRR, TVPI and DPI.

### Can I try Raziel before paying?

Yes. The Investor plan has a 14-day free trial, and the Founder plan is free through your first 100 contacts.