Compared on 30 September 2026, using Kubera's website and help centre. Check Kubera's site for current features and prices.
What's the main difference between Worthbase and Kubera?
Both track a whole balance sheet: investments, crypto, property, private assets and debts, in many currencies. Kubera's centre is aggregation: it connects to thousands of institutions and keeps values up to date, and you view and edit it in its app. Worthbase's centre is the ledger: your AI reads statements and exports into buys, sells, income and valuations, and Worthbase works out holdings, cost bases, realised gains and history from those rows exactly.
Put simply: Kubera is strongest when you want balances to update themselves. Worthbase is strongest when you want every number to trace back to a document, with no account connections.
Worthbase and Kubera side by side
| Worthbase | Kubera | |
|---|---|---|
| How you use it | Inside your AI app. A read-only web dashboard. | Web and mobile app, plus AI connectors. |
| Getting data in | Your AI reads statements, CSVs and screenshots. No logins. | Multiple aggregators, thousands of banks and brokerages, crypto exchanges and wallets, Web Sync, and manual entry. |
| AI assistants | Built for it: the MCP connector is the main way in. | MCP connector for ChatGPT, Claude, Grok, Perplexity and others; it can read and also create and update entries. |
| Asset coverage | Listed securities, crypto, gold and silver priced daily; property, retirement accounts, private equity, business interests, vehicles, collectibles by valuation. | Banks, brokerages, crypto and DeFi, private equity, real estate, vehicles, precious metals, collectibles and more. |
| Transactions and lots | Full ledger: buys, sells, splits, income, fees, transfers; FIFO or specific lots. | Focused on values, cost basis and returns. |
| Capital gains | Exact realised and unrealised gains and losses per holding and per sale; no tax estimates. | A tax estimate on unrealised gains. |
| Trusts and companies | Trusts, companies, SMSFs and partnerships as owners with exact splits, and as many workspaces as you need. | Black plan: nested portfolios for trusts, LLCs and family structures. |
| Changes | Every write previewed, audited, undoable. | Edited directly in the app. |
| Legacy | Invite family members with viewer access. | Dead Man's Switch sends details to chosen people if the account goes inactive. |
| Price | US$3.99/month with a 7-day free trial, or US$49 once for lifetime access (launch price). | Essentials about US$250/year; Black about US$2,500/year. 14-day trial. See their site. |
Automatic sync or your own statements?
Kubera's aggregation is its headline feature, and for many people it's the reason to choose it: accounts update without effort, and it can read institutions that don't offer a direct connection.
Worthbase takes the other route on purpose. It never asks for bank, broker or retirement account logins, so there are no connections to break or re-authorise and no third party holding access. The cost is effort: you download a statement or export and hand it to your AI every so often. Worthbase then flags items whose values are getting stale, so you know what to update.
Don't both work with Claude and ChatGPT?
Yes. Kubera offers an MCP connector for Claude, ChatGPT and other assistants, and it can create and update entries as well as read them. The difference is in what sits behind the connector. Kubera's AI access is an addition to a full app. Worthbase is designed so the AI is the interface: every write goes through a preview that shows new items, duplicates, conflicts and statement mismatches before anything is saved, the server does all the arithmetic, and undo checks the whole ledger before it runs.
Values or a transaction ledger?
If you mainly want to know what everything is worth today and how that's changed, values are enough. If you sell shares or crypto and need cost bases, lots and realised gains for each sale, you need the transactions. Worthbase keeps them, with fees included in cost bases and deducted from proceeds, and it can simulate a sale before you make it: proceeds, lots used and the gain or loss for each owner. It reports gains and losses, not tax; your accountant handles tax.
Which should you choose?
Choose Kubera if…
- You want balances to update automatically from your banks, brokers and wallets.
- You track DeFi positions, NFTs or many wallets and exchanges.
- You want a full app to edit in, on the web and your phone.
- A legacy feature like the Dead Man's Switch matters to you.
Choose Worthbase if…
- You don't want to give any service access to your accounts.
- You want exact cost bases and realised gains and losses from the actual trades.
- You want your AI to be the way you add and ask, with a preview before every change.
- You want household ownership split between people and entities at a lower price.
Questions
Is Worthbase a good Kubera alternative?
If you're happy to bring statements instead of syncing accounts, and you care about transactions, lots and capital gains, yes. If automatic aggregation is what you value most, Kubera is built around it and Worthbase isn't.
Can I move from Kubera to Worthbase?
Yes. Export your data from Kubera as a spreadsheet and give it to your AI to record as opening balances and valuations, then add broker exports if you want full trade history and cost bases. You'll see a preview before anything is saved.
Does Worthbase track DeFi and NFTs?
Worthbase prices common cryptocurrencies daily from CoinGecko. Other holdings, such as NFTs or DeFi positions, can be recorded as manual assets with valuations, but they aren't tracked on-chain.
Can I share Worthbase with my family or adviser?
Yes. Invite people as viewer, editor or admin; invited members join free. You can keep separate workspaces for entities and share each with different people.
Kubera is a trademark of its owner. Worthbase isn't affiliated with Kubera.
