Product comparison

Kubera vs WealthScout: features and differences

Compare Kubera and WealthScout for net worth, budgets, property, share tracking and long-term projections.

Checked: August 20, 2026
Written by: WealthScout

Short answer

Kubera links to many banks, brokers and crypto accounts and adds them up into one net worth total. WealthScout tracks the same assets, updates share and crypto prices automatically, and then projects how that wealth could change over time, using your income, spending and assumptions to estimate when you could retire. Kubera does not project anything, and states that it does not offer budgeting.

Which one to pick

Pick Kubera to see a broad net worth total kept current by account links. Pick WealthScout to project that wealth over time and estimate the year you could retire.

WealthScout

Best for: People who want to project their wealth over time, not only add it up today.

$99 a year USD

Checked August 20, 2026

Plus is $99 a year, or $11.99 a month. One subscription per household, with no per-person charge.

Free has no time limit and asks for no payment. It includes one user, your complete current position, up to 10 share holdings in one supported market, one property and a current-trajectory projection.

WealthScout pricing

Kubera

Best for: People holding many hard to price assets who want live links and one total.

$250 a year USD

Checked August 20, 2026

Essentials is $250 a year. Black, which adds ownership tags and nested portfolios, is $2,500 a year. There is no free plan.

There is no free plan.

Kubera pricing

Prices checked on August 20, 2026 and shown in US dollars. Products can change what they charge.

Which product fits your needs?

WealthScout suits you if

You want to project your net worth over the next twenty or thirty years.
You want what you earn and spend counted alongside what you own.
You want to record who owns each asset, and track property, rent and loans in detail.
You want the tax calculated when money is paid out of a trust or company.

Kubera suits you if

You need live links to banks, brokers or crypto accounts now.
You hold many hard-to-price assets and want one net worth list.
You need its beneficiary handover tool now.
You need nested portfolios and tighter access for trusts or firms.

What each product does

Both hold assets and debts in one place, both cover shares, property, cash and crypto, and both show net worth over time. The table below covers the questions where the two products differ. Plan, country and release limits may change what you can use.Notes and sources for this comparison

Question	WealthScout	Kubera
Do my share and crypto prices update automatically?	Yes. Share prices update automatically during the trading day. Crypto prices update at least every fifteen minutes.	Yes. Its account and market connections keep share and crypto values current.
Can I budget income and spending here?	Yes. Your income and spending are tracked alongside your assets and debts, and all four are used in the projection.	No. Kubera states that it does not offer budgeting.
Do my account balances import automatically?	No. Share and crypto prices update automatically. Bank and broker balances you enter yourself.	Yes. It links banks, brokers and crypto accounts through data firms in many countries.
Can I record a property with its rent and running costs?	Yes. WealthScout records the value, the owner, the mortgage, the rent and each running cost separately.	No. A property is one value in the net worth list, with its debt recorded separately.
Does it record who owns each asset?	Yes. Every asset belongs to an owner, which can be a person, a trust or a company.	Partly. Its top plan adds nested portfolios and tighter access for trusts and firms.
Can I review gains from my share trades?	Partly. You get a factual summary of what you sold and the raw gain or loss on it, not a tax calculation.	No. It shows holdings, values and returns rather than tax reports.
Can I model life changes and a drawdown order?	Yes. Change the retirement date, sell an asset or change the drawdown order, and the projection updates to match.	No. It shows current and past net worth, returns and cash flows. It does not project them into the future.
Can it hand everything over to a beneficiary?	No. A handover tool is not built. You can export the raw data and pass it on yourself.	Yes. It has a beneficiary handover tool.

Do my share and crypto prices update automatically?: WealthScout
Yes. Share prices update automatically during the trading day. Crypto prices update at least every fifteen minutes.
Kubera
Yes. Its account and market connections keep share and crypto values current.
Can I budget income and spending here?: WealthScout
Yes. Your income and spending are tracked alongside your assets and debts, and all four are used in the projection.
Kubera
No. Kubera states that it does not offer budgeting.
Do my account balances import automatically?: WealthScout
No. Share and crypto prices update automatically. Bank and broker balances you enter yourself.
Kubera
Yes. It links banks, brokers and crypto accounts through data firms in many countries.
Can I record a property with its rent and running costs?: WealthScout
Yes. WealthScout records the value, the owner, the mortgage, the rent and each running cost separately.
Kubera
No. A property is one value in the net worth list, with its debt recorded separately.
Does it record who owns each asset?: WealthScout
Yes. Every asset belongs to an owner, which can be a person, a trust or a company.
Kubera
Partly. Its top plan adds nested portfolios and tighter access for trusts and firms.
Can I review gains from my share trades?: WealthScout
Partly. You get a factual summary of what you sold and the raw gain or loss on it, not a tax calculation.
Kubera
No. It shows holdings, values and returns rather than tax reports.
Can I model life changes and a drawdown order?: WealthScout
Yes. Change the retirement date, sell an asset or change the drawdown order, and the projection updates to match.
Kubera
No. It shows current and past net worth, returns and cash flows. It does not project them into the future.
Can it hand everything over to a beneficiary?: WealthScout
No. A handover tool is not built. You can export the raw data and pass it on yourself.
Kubera
Yes. It has a beneficiary handover tool.

Kubera totals your assets but does not project them

Kubera produces a very good balance sheet. It covers a wider range of assets than anything else here, and its account connections keep the total current.

What Kubera does not do is estimate what those assets will be worth later. WealthScout takes the same assets and projects them over time, applying growth rates, the tax on any asset you sell, and the tax charged when money is paid out of a trust or a company. The result is an estimated year you could retire, not just a total for today.

Your income and spending change how fast your wealth grows

Kubera states that it does not offer budgeting, so your income and spending are tracked in a separate app. How much you save each month is what determines how quickly your assets grow, so leaving it out limits what a net worth total can tell you.

WealthScout tracks your income and spending alongside your assets and debts, and uses all four in the projection. Reduce your monthly spending and the projection recalculates, so you can see how much earlier you could retire.

Kubera records a balance but not who owns the asset

In Kubera a property is one row with one value. In WealthScout, a property has its value, its mortgage, its rent, its running costs and its legal owner, so the app can calculate the return on that property before tax and after tax.

Ownership matters because it changes the tax. Every WealthScout asset belongs to an owner, which can be a person, a trust or a company, and the projection calculates the tax charged when money is paid out of that owner to a person. Kubera adds ownership tags on its top plan only.

The projection uses the figures you already track

You confirm the figures once a month. Every projection then uses those figures, so there is nothing to retype and nothing that becomes out of date.

Kubera has good net worth and return charts. WealthScout uses the same figures to answer a different question: given what you own, earn and spend, in which year could you afford to retire.

Common questions

What is the main difference between Kubera and WealthScout?

Kubera tracks net worth through account links. WealthScout tracks the same assets and updates share and crypto prices automatically, then adds your income, spending, property costs and asset owners, and uses all of it to project your wealth over time.

Which product includes budgets?

WealthScout. It tracks what you earn and spend alongside what you own, and both feed the forecast. Kubera states that it does not offer budgeting.

Does WealthScout link to bank accounts?

No. Kubera links many banks, brokers and crypto services, and that is its real strength. WealthScout takes broker file imports and direct entry, so you see every trade before it is saved. Share and crypto prices then update automatically.

Which is better for planning your whole net worth?

WealthScout. Kubera does not project your wealth into the future at all. WealthScout projects it from the figures you already track, compares scenarios side by side, models the order you draw down your assets, and calculates the tax charged when money is paid out of a trust or a company.

Track everything you own, and project it forward

WealthScout is opening country by country. Join the waitlist and we will email you when it reaches yours.