Worthtally vs Kubera: do you need a $250 a year net worth tracker?
Last updated: 18 September 2026
Kubera is built for people with a lot of accounts across a lot of institutions, often in several countries, who want them all pulled together automatically. It calls itself the balance sheet for those who keep the 1%. Worthtally is for people who are happy to type in their balances once a month and want the record to stay on their own device, with no login and no yearly bill. If you have wealth spread across dozens of connected accounts and entities, Kubera earns its price. If you have a normal household balance sheet and value privacy over automation, Worthtally does the job for a fraction of it.
The short comparison
- Price. Kubera Essentials is $250 a year and Kubera Black is $2500 a year, after a 14-day trial. Worthtally is free for everyday tracking; Pro is $9.99 a year on the App Store and Google Play, or $29.99 once on every platform. Both read from their own pages on 2026-09-18.
- How data gets in. Kubera runs several aggregators and connects to banks and brokerages worldwide, tracks stocks by ticker, and pulls crypto from major blockchains, exchanges and wallets as live positions. Worthtally is manual entry or CSV import. It never asks for a bank password or a wallet key.
- Where data lives. Kubera is a web app that syncs, so your data lives with Kubera. Worthtally keeps everything in a database on your device and never sends a figure to a server we run.
- Account. Kubera needs a login. Worthtally has no account, no sign-up and no cloud.
- Platforms. Kubera is used through the web. Worthtally runs as a native app on iPhone, iPad, Mac, Android and Windows, with no web version.
- Complex structures. Kubera Black adds ownership tags and nested portfolios for people, trusts and entities. Worthtally is one household's record.
- Prices. Kubera shows live positions for stocks and crypto. Worthtally has live exchange rates free and live crypto prices in Pro; stock values are entered by hand.
Pick Kubera if
- You hold accounts at many institutions, possibly in several countries, and want them aggregated automatically.
- You manage money across trusts or entities and need ownership tags and nested portfolios.
- You hold DeFi, NFTs or staked positions and want them tracked live.
Pick Worthtally if
- You want one private net worth number and are fine updating balances yourself.
- You refuse to hand a bank password or wallet key to a third party.
- You want the FIRE, retirement, emergency and debt planners and a tax pack for your accountant.
- You want to pay once, keep a real desktop app on Mac or Windows, and not think about a renewal.
How Worthtally does it
Everyday tracking, including unlimited accounts and 90 days of history, is always free. Pro adds full history and is $9.99 a year on the App Store and Google Play, or $29.99 once for lifetime access on every platform. Windows is lifetime only. One Apple purchase covers iPhone, iPad and Mac, with Family Sharing. Nothing forces you into a subscription.
Pro also adds budgets by category, custom categories and tags, bills and recurring transactions, what-if scenarios, cost-basis tracking, QIF, OFX and QBO exports, a tax-year pack PDF with a quarterly breakdown and a capital-gains appendix, an accountant bundle ZIP, and live crypto prices from a read-only public price feed.
The free tier is not a demo. You get all nine account kinds (cash, checking, savings, investment, retirement, crypto, real estate, vehicle and debt), the transaction ledger, goals, the four planners, live exchange rates, CSV import, and export to CSV, JSON or Markdown at any time.
Get Worthtally
Related questions
- Does Worthtally track stock prices live?
- No. You enter investment balances yourself. Live crypto prices are in Pro, and exchange rates are free.
- Can Worthtally handle several currencies?
- Yes. Accounts can be in different currencies and are shown in your home currency with live exchange rates, in the free tier.
- Is there a trial for Worthtally Pro?
- The free tier is the trial, and it never expires. Buy Pro when you want full history and the exports.
Worthtally is a Trueframe Digital app. Pay once, no account, your data stays on your device. See the Worthtally page for screenshots, the full feature list and prices.