Kubera alternative for Europe.
Kubera is the widest asset-coverage tracker on the market: banks, brokerages, crypto, DeFi, NFTs, property, metals, even domain names, updated in real time. Around $249 a year, no free plan.
Wealthos is narrower and cheaper, and points forwards rather than sideways. European Open Banking, multi-currency net worth, a 10-year forecast, and a life-scenario simulator, for €63 a year.
Why people look for a Kubera alternative.
Kubera is a genuinely premium product. The question is whether you need what you are paying for.
Breadth you may not use
Domain names, NFTs and DeFi positions are real features. If you hold none of them, you are paying for coverage you never touch.
It reports, it does not project
Kubera shows what you own now, in detail. It does not model what a house purchase in year three does to year ten.
About four times the price
$249 a year against €63. Both are fair prices for different products.
A wealth tracker built for Europe.
- Open Banking (PSD2) — read-only connections to over 3,000 EU and UK banks.
- Multi-currency — balances in EUR, GBP, CHF, DKK, SEK, PLN and more, auto-converted at live rates.
- Forecast-forward — a 10-year net-worth projection in your home currency.
- Life-scenario simulator — model a promotion, a move, a child, a sabbatical.
- AI assistant + MCP — ask questions in plain English, or connect Claude, ChatGPT, Mistral, and OpenClaw to your real data.
- GDPR-focused — encrypted in transit and at rest, on EU infrastructure.
Wealthos vs Kubera.
| Feature | Wealthos | Kubera |
|---|---|---|
| Core job | Forecast a decision before you make it | Track every asset class you own, in real time |
| Asset coverage | Banks, investments, property, manual assets | Adds crypto, DeFi, NFTs, metals, domains (stronger here) |
| Bank and broker connections | 3,000+ EU and UK banks via Open Banking (PSD2) | 20,000+ banks and brokerages |
| Multi-currency | Yes — auto-converted at live rates | Yes, across global exchanges |
| 10-year forecast | Yes | No |
| Life-scenario simulator | Yes — compare two futures side by side | No |
| AI assistant | Built-in, plus 46 MCP tools for Claude / ChatGPT / Cursor | No |
| Runs entirely offline | Yes — Wealthos Local, one-time €45 | No — cloud only |
| Free tier | No — 7-day full trial, no card | No — paid trial |
| Pricing | €7/mo or €63/yr | Around $249/yr |
Kubera publishes around $249 a year with a low-cost 14-day trial and no free plan. Wealthos is €7 a month or €63 a year with a 7-day full trial, no card. That is roughly a four-fold difference, and it buys asset breadth rather than forecasting. Prices as published and checked August 2026 — verify at the source.
When Kubera is the right pick.
Kubera does several things better than we do, and some of them we have no plans to attempt:
- Far wider asset coverage — crypto, DeFi, NFTs, precious metals, property and domain names in one place.
- 20,000+ bank and brokerage connections globally, against our 3,000+ EU and UK banks.
- Real-time valuation across global exchanges.
- A well-regarded beneficiary and estate-planning feature we do not have at all.
If you hold a genuinely diverse asset base — especially crypto and DeFi — Kubera is the better tracker and worth its price.
Who should switch to Wealthos.
Wealthos is the better choice if:
- Your wealth is mostly bank accounts, investments and property across Europe.
- You want a forecast and scenario comparison, not just an accurate present-day total.
- You bank in the eurozone, where PSD2 Open Banking is the reliable route in.
- You want an AI assistant that can read and write your real financial data.
- €63 a year suits you better than $249.
How to move from Kubera.
About 20 minutes.
- 01Export your holdings from Kubera.
- 02Start your free Wealthos trial — 7 days, no card.
- 03Connect your European banks through Open Banking.
- 04Add crypto and any exotic assets — by hand, or via an assistant connected to the Wealthos MCP server. Either way we do not match Kubera on coverage here, so check this covers what you hold.
- 05Cancel Kubera before it renews.
Check step four honestly before switching. If a large share of your wealth sits in assets we track manually, Kubera is doing real work for you.
Common questions about switching.
Free calculators to try first.
Three free tools that cover the same ground as Kubera — no account needed.
Net Worth Calculator for Expats in Europe
Aggregate accounts across EU countries and currencies into one clear total.
Multi-Currency Net Worth Calculator
Track EUR, GBP, CHF, DKK, SEK — auto-converted at live rates.
FIRE Calculator
Project your path to financial independence in your home currency.