Honest Comparison
Kubera vs UpdraftFi
Both track net worth. Kubera connects to banks via aggregators and targets HNIs. UpdraftFi is a crypto net worth tracker with zero-knowledge encryption and a free tier.
| Feature | UpdraftFi | Kubera |
|---|---|---|
| Primary focus | Net worth tracking | Net worth tracking |
| Best for | Crypto-forward investors | HNIs with complex portfolios |
| Pricing | Free / $19 / $49 per month | $249-$2,499 per year |
| Free tier | Local storage, unlimited history | 14-day trial only |
| DeFi yield / APY tracking | Yes | No |
| In-app token swaps | Yes | No |
| Traditional assets | Yes | Yes |
| Bank connections (Plaid) | No | Yes |
| Balance encryption | Zero-knowledge | Standard (not E2E) |
| Staff can view your data | No | Yes (under controls) |
| Estate planning | No | Dead Man's Switch |
| Mobile | Mobile-responsive web app | Web + mobile apps |
Looking for a Kubera alternative? Here's how the two net worth trackers compare on features, privacy, and pricing.
What Kubera does well
Kubera is a proper net worth tracker with serious asset breadth. It covers stocks, bonds, crypto, bank accounts, real estate, cars, domains, commodities, and liabilities in one spreadsheet-style dashboard. For people with complex, multi-asset portfolios, that coverage is genuinely useful.
They connect to 20,000+ institutions globally through multiple aggregators (Plaid, Yodlee, Salt Edge, and others), automatically picking the best connector for each bank. If you have accounts spread across countries, Kubera handles that better than most trackers. They also auto-estimate US home values via Zillow and car values via VIN lookup.
Their "Dead Man's Switch" feature lets you set up beneficiary access to your portfolio information. It's a genuinely thoughtful feature for estate planning that most trackers don't offer. They also market "no ads, no data sales" as core to their business model.
That said, Reddit users report account sync reliability issues (paying doesn't guarantee stable bank connections), concerns about the small team size and longevity, and frustration with pricing changes. There's no free tier, just a 14-day trial, and the $249/year starting price makes some users feel locked in.
Where UpdraftFi is different
Zero-knowledge encryption
Your balance snapshots are encrypted with keys derived from your passphrase. We cannot decrypt your net worth, even if compelled to. This is the biggest architectural difference from trackers that store your data in readable form on their servers.
No financial aggregators
UpdraftFi doesn't route your bank credentials through Plaid, Yodlee, or other aggregators. You add traditional assets manually. The trade-off: no auto-sync for bank balances. The benefit: no third-party aggregator sits between you and your financial data.
Active crypto features
UpdraftFi tracks DeFi yield and APY on your positions, and lets you swap tokens directly in the app. It's a crypto portfolio tracker you can act on, not just look at.
Free tier included
UpdraftFi has a free plan with local storage and unlimited history. You can try the full tracking experience before deciding to pay. No 14-day countdown.
Privacy architecture
This is where the two trackers differ most. Kubera is unusually transparent about their security model, which makes the comparison straightforward:
| Data | UpdraftFi | Kubera |
|---|---|---|
| Balance snapshots | Zero-knowledge (we cannot decrypt) | Encrypted at rest (not E2E) |
| Staff data access | Cannot view balances | Possible (restricted, audited) |
| Bank data flow | Manual entry (no aggregators) | Via Plaid, Yodlee, Salt Edge, etc. |
| Infrastructure | Supabase (encrypted) | AWS (encrypted at rest) |
Credit to Kubera: They're honest about this. Their security page explicitly states that data is not end-to-end encrypted and that database administrators can access encryption keys under controlled conditions. That's more transparent than most competitors. But it means Kubera staff can technically view your financial data.
UpdraftFi takes a different approach: your balance snapshots are encrypted with keys derived from your passphrase. We can't see your net worth even if we wanted to. The trade-off is that we need to decrypt API keys to auto-fetch crypto data, and we don't connect to banks via aggregators, so traditional asset values are entered manually.
Which tool is right for you?
Use Kubera if…
You want auto-syncing bank and brokerage accounts
You need estate planning features
You have a complex multi-country portfolio
$249/year fits your budget
Use UpdraftFi if…
You want zero-knowledge encryption for your balances
Your portfolio is crypto-forward with DeFi positions
You prefer no aggregators touching your financial data
You want a free tier to start with
The bottom line
Kubera is a premium net worth tracker built for HNIs who want bank auto-sync and broad asset coverage. UpdraftFi is a crypto net worth tracker with zero-knowledge encryption, active DeFi features, and a free tier.
If you want auto-syncing bank accounts and don't mind paying $249/year for it, Kubera does that. If you want one private dashboard for your crypto portfolio and complete net worth without aggregators accessing your data, that's what we built.
Frequently Asked Questions
Sources: kubera.com, kubera.com/security, help.kubera.com, user discussions on Reddit. Last updated February 2026.
