Kubera is one of the best net-worth trackers in the world. If you're reading this, you've probably found it, and then found the price tag, or wondered where your complete financial picture actually lives once you hand it over. This is an honest comparison from the people who built the alternative, so take the bias as declared: we'll tell you where Kubera genuinely wins.
The short version
- Kubera is a premium, global, all-asset tracker with a polished interface and a beneficiary hand-off feature. It costs around $249/year (with a 14-day trial but no permanent free tier), and stores your data in its shared cloud.
- Krosos does the same core job, your whole net worth in one number, but is EU-built, gives every customer their own isolated database with its own encryption keys instead of a row in a shared database, and costs €6/month (€60/year).
If price and privacy architecture don't matter to you and you want the most established global brand, Kubera is a great pick. If they do, keep reading.
At a glance
| Krosos | Kubera | |
|---|---|---|
| Net-worth coverage | Stocks, cash, funds, property, crypto, liabilities | Banks, brokerages, crypto, DeFi, physical assets |
| EU bank & broker fit | Built for it; open banking + brokers live | Via aggregators, US-first |
| Crypto | 7 exchanges + on-chain wallets | Yes |
| Privacy model | Own database + keys per user | Shared cloud |
| Connection safety | Read-only, can't move money | Read-only aggregation |
| Free trial | 14 days | 14-day trial, no free tier |
| Price | €6/mo · €60/yr | ~$249/yr (Black: $2,499/yr) |
| Export & leave | One click | Yes |
Prices change, so check kubera.com and our pricing page.
Where Kubera wins
Credit where it's due. Kubera has been at this longer, and it shows:
- Physical & exotic assets. Cars, art, domains. Kubera leans into "track literally everything," with valuation integrations Krosos doesn't try to match.
- Beneficiary hand-off. A genuinely thoughtful "dead man's switch" that shares your portfolio with someone you trust if you go inactive.
- Brand maturity. More years, more integrations polished, a large existing user base.
If those are the features you're paying for, Kubera earns its price.
Where Krosos wins
- Privacy by architecture, not policy. Kubera keeps your data in a shared cloud and asks you to trust its policies. Krosos gives each customer a separate database file with its own encryption keys, so your financial picture isn't sitting in one big database next to everyone else's. The isolation is structural, not a promise, and if you want zero trust in any operator, the Krosos desktop app runs entirely on your own machine.
- Price. €60/year against Kubera's $249/year, roughly a quarter the cost. You're paying for the tracking, not the brand, and there's no shared-cloud premium baked in.
- EU-native. Built in Belgium, EU data handling, VAT handled correctly, and bank coverage aimed at European open banking rather than US rails.
- Read-only, always. Connections can only read balances, so the app is structurally incapable of moving your money. (Nervous about linking accounts? See is it safe to connect exchange API keys?)
- A trial, then a fair price. Both give you 14 days to try, but after it, Krosos is €60/year, not $249.
Who should pick which
- Pick Kubera if you want the most established global tracker, need physical-asset and beneficiary features, and price isn't a concern.
- Pick Krosos if you're in Europe, want your whole net worth in one private place, and would rather pay €60/year than $249, without your data living in a shared cloud.
The honest bottom line
Kubera isn't overpriced for what it is. It's a premium global product. Krosos is a deliberately narrower bet: the private, EU-built way to see everything in one number, covering stocks, cash, funds and property, plus crypto (exchanges and on-chain wallets), minus the mortgage and loans against them, for a fraction of the price, in your own database, read-only, with one-click export if you ever want to leave.
See how your data is protected, everything it connects to and how the tax engine works, compare all the EU trackers, run your own numbers through the free forecast calculator, or try the live demo.