EasyFin vs Kubera
Multi-currency net worth, plus the spending side Kubera leaves out
EasyFin is a Kubera alternative for people who want multi-currency net worth tracking and day-to-day expense tracking in one app. Kubera is a balance-sheet tool for high-net-worth portfolios: broad asset coverage, native multi-currency, and deliberately no budgeting or spending categorization at all. It costs $250 a year, annual only, with no free plan and no native mobile app. EasyFin is $90 a year, has a free plan and ships real iOS and Android apps.
Key takeaways
- Kubera deliberately does no budgeting, spending categorization or expense tracking — it is a balance sheet, by design.
- It costs $250 a year, annual only, with no free plan and no monthly option.
- There is no native mobile app; the mobile experience is a web app added to the home screen.
- For a complex balance sheet — vehicles, domains, art, private equity, beneficiary handoff — Kubera aggregates from more sources than anything else here.
What is Kubera?
Kubera is a net worth tracker built for complex portfolios. It aggregates banks, brokerages and crypto from more sources than anything else in this comparison, and it tracks assets most apps ignore entirely — vehicles, domain names, art, private equity — alongside conventional holdings. It is natively multi-currency with a chosen portfolio currency, tracks investments at ticker level, and ships a Dead Man's Switch that hands the portfolio to a nominated beneficiary if you stop signing in. It also ships an MCP server for AI assistant access. Pricing is $250 a year for Essentials, annual only, with a 14-day trial and no free tier. There is no App Store or Google Play listing — mobile is a progressive web app.
Does Kubera track spending or budgets?
No, and this is a product decision rather than a gap. Kubera has no budgets, no spending categorization and no expense tracking; it answers what you own and what it is worth, not where your money went last month. For someone whose finances are mostly a balance sheet, that focus is the reason to buy it. For someone who also wants to know why the grocery category is over, it means a second app and a second subscription. The other practical constraints are commercial and structural: $250 a year with no monthly option and no free plan, and no native mobile app — the phone experience is a web app you add to your home screen, which is fine for a monthly net worth check and poor for anything you would do at a checkout.
What both apps do
- Native multi-currency with a chosen portfolio currency
- Net worth across banks, brokerages and crypto
- Ticker-level investment tracking
- Automatic bank and brokerage aggregation
- An MCP server for AI assistant access
Where they differ
| Feature | EasyFin | Kubera |
|---|---|---|
| Expense tracking and budgets | Yes | No — by design |
| Free plan | Yes | No |
| Monthly billing | Yes | No — annual only |
| Native iOS and Android apps | Yes | No — web app only |
| Voice transaction entry | Yes | No |
| Entry price | $90/yr | $250/yr |
| Alternative assets | No | Yes — art, vehicles, domains |
| Beneficiary handoff | No | Yes — Dead Man's Switch |
Expense tracking and budgets
EasyFin does both; Kubera does neither and does not intend to. If you want one app for net worth and day-to-day spending, this is the whole comparison. If you want a balance sheet and already have a budgeting tool, Kubera's focus is a feature rather than an omission.
Multi-currency
Both handle it natively with a chosen portfolio currency, so this is not a differentiator — Kubera is one of the few apps here that gets currency right. The difference is what currency handling is applied to: Kubera converts holdings and balances, EasyFin also converts transactions, budgets and spending analytics at each transaction's own stored rate.
Native mobile apps
EasyFin ships native iOS and Android apps; Kubera has no store listing and runs as a progressive web app on the home screen. For a tool you open monthly to check net worth this barely matters. For voice-logging a cash expense at a market it matters entirely, which is a fair summary of what each product is for.
Price and billing
Kubera is $250 a year, annual only, with no free plan; EasyFin is $90 a year or $10 a month with a permanent free tier. Kubera's price is aimed at portfolios where $250 is immaterial against the assets being tracked, which is a coherent position and a real barrier for everyone else.
Voice transaction entry
Kubera has none, consistent with tracking no transactions. EasyFin's voice entry produces a confirmable draft from what you said. This row exists to mark the boundary between the two products rather than to score a point.
Alternative assets
Kubera tracks vehicles, domain names, art and private equity with valuation integrations; EasyFin tracks conventional accounts, holdings and manual assets. For a balance sheet with meaningful illiquid holdings, Kubera is the only app here that takes them seriously.
Beneficiary handoff
Kubera's Dead Man's Switch transfers portfolio access to a nominated beneficiary if you stop signing in for a set period. EasyFin has nothing comparable. For estate planning purposes this is a genuinely distinctive feature and part of what the $250 buys.
How each app handles more than one currency
Both apps are natively multi-currency with a chosen reporting currency, which puts them in a small minority here. Kubera converts asset values and balances into the portfolio currency, which is the right scope for a balance sheet. EasyFin applies the same treatment one layer down: every transaction carries its own currency and the exchange rate stored for its date, and budgets freeze that rate at the moment spending is counted. Kubera has no transactions to convert, so the comparison is about scope rather than correctness.
Price
| Monthly | $10 vs not offered |
|---|---|
| Annual | $90 vs $250 (Essentials) / $2,500 (Black) |
| Free plan | EasyFin yes · Kubera no |
| Trial | EasyFin 14 days · Kubera 14 days |
Kubera pricing verified against the vendor's own pricing page on . Prices in USD.
$90 against $250 a year is the widest price gap in this comparison, and the products are aimed at different people. Kubera is priced for portfolios where the subscription is immaterial next to the assets, and it offers no free plan and no monthly billing to soften the entry. EasyFin is $10 a month or $90 a year with a free plan underneath. If you need both a balance sheet with alternative assets and day-to-day budgeting, running EasyFin plus Kubera comes to $340 a year and each does a job the other does not attempt.
Where Kubera is the better choice
Kubera is the better tool for a complex balance sheet. It aggregates from more sources than anything else here, tracks assets most apps ignore — vehicles, domains, art, private equity — and hands the portfolio to a beneficiary if you stop signing in. If you want a net worth tracker and have no interest in budgeting, Kubera is built for exactly that.
Using EasyFin alongside or instead of Kubera
- Decide whether you are replacing Kubera or supplementing it. If you hold alternative assets or want the beneficiary handoff, EasyFin does not replace it — the two coexist.
- Export your holdings from Kubera if you are replacing it. Kubera exports its asset list and values from the web app.
- Install EasyFin and set your preferred currency — the equivalent of Kubera's portfolio currency.
- Recreate your accounts and holdings with matching currencies. Conventional accounts and tickers map across; vehicles, domains and art do not have a direct equivalent and become manual assets.
- Connect banks through Plaid for US and Canadian institutions and Monobank for Ukrainian ones, so transactions arrive automatically rather than as balances.
- Set category budgets with rollover — the layer Kubera has never had, and usually the reason someone is reading this page.
Frequently asked questions
- Does Kubera track spending or budgets?
- No. Kubera is a net worth and balance-sheet tracker with no budgeting, spending categorization or expense tracking, which is a deliberate product decision rather than a gap. EasyFin covers both net worth and day-to-day spending.
- Does Kubera have a mobile app?
- Not a native one. Kubera's mobile experience is a progressive web app added to the home screen, with no App Store or Google Play listing. EasyFin ships native iOS and Android apps.
- How much does Kubera cost compared to EasyFin?
- Kubera is $250 a year for Essentials, annual only, with a 14-day trial and no free plan. EasyFin is $90 a year or $10 a month with a permanent free plan. Running both, for a balance sheet plus budgeting, comes to $340 a year.
- Does Kubera support multiple currencies?
- Yes, natively, with a chosen portfolio currency — Kubera is one of the few apps here that gets currency right. The difference is scope: Kubera converts holdings and balances, while EasyFin also converts transactions, budgets and spending analytics at each transaction's own stored rate.
- What assets can Kubera track that EasyFin cannot?
- Vehicles, domain names, art and private equity, with valuation integrations. EasyFin tracks conventional accounts, holdings and manual assets. Kubera also offers a Dead Man's Switch that hands the portfolio to a nominated beneficiary if you stop signing in.
- Is Kubera worth it if I also want budgeting?
- Only alongside something else. Kubera has no budgets, spending categorization or expense tracking by design, so wanting both means two subscriptions. If the balance sheet is conventional — banks, brokerages, crypto — EasyFin covers it and budgets too.
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