Best Kubera alternative
The best Kubera alternative for an Indian family is WealthGamma. It prices NSE and BSE stocks and Indian mutual funds daily from a CAS or tradebook you upload, keeps every buy as a lot so capital-gains tax under Indian rules is known before you sell, tracks every member on their own PAN, projects decades ahead and costs ₹2,999 once in rupees instead of about ₹23,700 a year in dollars. INDmoney is the nearest free Indian tracker.
Kubera is a superb balance sheet for someone with assets in five countries. For a family whose money is in NSE stocks, Indian mutual funds, PPF and a flat in Pune, it costs about ₹23,700 a year in dollars and cannot work out Indian tax. WealthGamma is built for exactly that money.
By Hardik Vegad, founder of WealthGamma · Last updated
WealthGamma and Kubera at a glance
WealthGamma
Net worth tracker for Indian families
- NSE and BSE stocks, Indian mutual funds and gold priced daily; PPF, EPF, FDs, property and loans alongside
- Every family member on their own PAN, from one login, in the base plan
- Every buy kept as a lot: capital-gains tax under Indian rules before you sell
- Goals funded by real holdings and projections decades ahead
- Imports the CAMS or KFintech CAS, Zerodha, Groww, NSDL or any CSV; exports to CSV any time
- Price:
- Free plan; lifetime plan from ₹2,999 once, in rupees, 14-day money-back
- Your data:
- Upload a file; export to CSV any time
- Never asks for:
- Bank or broker login, PAN or OTPs
Kubera
Global balance sheet, billed in dollars
- Connects banks and brokers in a dozen countries through Plaid, Yodlee and others
- Crypto wallets, exchanges, DeFi and NFTs synced; stocks priced on 54 exchanges
- Fast Forward projections, Recap charts, IRR against benchmarks
- Document vault, read-only API and a dead man's switch for beneficiaries
- Indian mutual funds by AMFI code, typed in manually; no Indian tax
- Price:
- Essentials $250 a year, about ₹23,700; Black $2,500; no refunds
- Trial:
- 14 days for a non-refundable $1; no free plan
- Similar to:
- Exirio, Sharesight, Empower
Why Indian investors are looking for a Kubera alternative
Kubera is honest about what it is: a balance sheet for people who keep the 1%, built in Delaware, billed in dollars. Nobody leaves it because it is bad. Indian users leave because their money does not fit the model, and every point below comes from Kubera's own help centre, pricing and legal pages.
- Essentials is $250/yr (~₹23,700 plus card markup), no free tier, no refunds
- Indian mutual funds looked up by AMFI code and typed in; no CAS import or SIP history
- Tracks balances, not transactions; no buy lots, no LTCG/STCG split under Indian rules
- BSE-only scrips don't price; no Indian broker, AMC, RTA or bank connections
- Per-person portfolios need the Black plan, $2,500/yr (~₹2.4 lakh)
TLDR: US net worth tracker: connects banks/brokers in a dozen countries, crypto/DeFi sync, stocks on 54 exchanges, Fast Forward projections, from $250/yr.
Gaps for Indian money: balances not transactions (no LTCG/STCG), MFs typed in by AMFI code, BSE scrips don't price, billed in dollars with no refund.
WealthGamma imports the CAS and any tradebook, prices NSE/BSE and every AMFI fund daily, tax before you sell, ₹2,999 once with a 14-day guarantee.
Sources
- Kubera homepage and pricing (Essentials $250 a year, Black $2,500)
- Kubera help: track Indian mutual funds (AMFI scheme code and units entered manually; updated 3 August 2026)
- Kubera help: supported stock exchanges (NSE listed, BSE not)
- Kubera help: tax on unrealised gain (one cost basis and one rate per asset)
- Kubera help: why pay $1 for the trial
- Kubera help: what is Kubera Black (per-person portfolios and access control)
- Kubera legal terms (subscription fees non-refundable)
Kubera is an excellent global tracker and nothing on this page says otherwise. The comparison is about Indian money: rupee pricing, Indian funds, Indian tax. Not to be confused with Kubera Wealth, an unrelated Indian fund distributor.
WealthGamma vs Kubera: feature comparison
Of the 29 features compared below, Kubera offers 16, and where it wins it wins clearly: crypto and DeFi, any currency, bank connections in a dozen countries, a document vault, an API and a dead man's switch. WealthGamma offers 23, adding BSE pricing, CAS import with folio history, buy lots, Indian tax before you sell, goals, a dividend calendar, per-person portfolios in the base plan, and a price in rupees.
| Feature | WealthGamma | Kubera |
|---|---|---|
| Coverage | ||
| NSE stocks priced daily | Yes | Yes |
| BSE stocks priced daily | Yes | No |
| Indian mutual funds priced daily | Yes | Yes |
| Mutual funds from a CAS with folio history | Yes | No |
| Gold, PPF, EPF, FDs | Yes | Yes |
| Property and loans | Yes | Yes |
| Crypto wallets and DeFi synced | No | Yes |
| Assets in any currency | No | Yes |
| Per-person portfolios in the base plan | Yes | No |
| Dividend calendar | Yes | No |
| Analysis | ||
| Gain and loss | Yes | Yes |
| IRR or XIRR | Yes | Yes |
| Buy lots and cost basis per purchase | Yes | No |
| Tax before you sell under Indian rules | Yes | No |
| Net worth projections | Yes | Yes |
| Net worth history charts | Yes | Yes |
| Goal tracking | Yes | No |
| Document vault | No | Yes |
| Dead man's switch for beneficiaries | No | Yes |
| Read-only API | No | Yes |
| Import and export | ||
| Auto-sync through bank and broker connections | No | Yes |
| Broker tradebook import | Yes | No |
| CAMS, KFintech or NSDL CAS import | Yes | No |
| CSV import | Yes | Yes |
| Export your data | Yes | Yes |
| Pricing | ||
| Free plan | Yes | No |
| Priced in rupees | Yes | No |
| One-time purchase | Yes | No |
| Money-back guarantee | Yes | No |
Kubera details from its homepage, pricing, legal and help centre pages, including the articles on Indian mutual funds, supported exchanges, tax on unrealised gains, the $1 trial and the Black plan, all checked 9 September 2026. Rupee figures use a rate of about ₹95 to the dollar on that date. WealthGamma details from the product as of ; the pricing page has current plan limits.
Price takeaway
Kubera Essentials is $250 a year, about ₹23,700 before your card's foreign-currency fee, with no refunds; per-person portfolios need Black at $2,500. WealthGamma's free plan tracks one portfolio with no expiry; the lifetime plan is ₹2,999 once, in rupees, for the family view, tax and projections, with 14 days to get your money back. Eight years of Kubera Essentials buys sixty lifetime plans.
Key differences
Kubera and WealthGamma differ in four ways: what they store (balances versus every transaction), whose rules they know (none versus Indian capital-gains tax), how Indian funds get in (typed by AMFI code versus a CAS you upload), and how they are priced (dollars a year with no refund versus rupees once with a money-back guarantee).
Balances vs transactions
Kubera records what each asset is worth today and the cash that went in and out. That is enough for net worth and IRR, and not enough for tax, because there are no buy lots to match a sale against. WealthGamma keeps every purchase with its date and price, which is what LTCG, STCG and XIRR are computed from. How the net worth tracker works.
A flat tax rate vs Indian rules
Kubera's tax estimate is one cost basis and one rate you type per asset, and its help centre says it is not meant as a sharp planning tool. WealthGamma applies FIFO lots, the LTCG and STCG split, and the ₹1.25 lakh exemption per PAN to the exact units you are about to sell, and shows the tax before you place the order. How the capital-gains tax planner works.
AMFI codes typed in vs a CAS you upload
In Kubera, each Indian fund is added by finding its AMFI scheme code and typing in the units; SIPs and folios are not modelled. WealthGamma reads the CAMS or KFintech CAS PDF, one file with every fund transaction across all your folios, and Zerodha, Groww, Upstox and Angel One tradebooks for stocks. Importing a CAMS or KFintech CAS.
Dollars a year vs rupees once
Kubera bills $250 a year in dollars, so an Indian card pays a foreign-currency markup at every renewal, fees are non-refundable, and per-person portfolios cost $2,500. WealthGamma charges in rupees through UPI, card or net banking, has a free plan with no expiry, and a lifetime plan from ₹2,999 with 14 days to change your mind. Plans and what they include.
Which should you use?
Use WealthGamma when
Your money is Indian: NSE and BSE stocks, mutual funds bought through SIPs, PPF, a flat and a home loan, across a family on several PANs, and you want the tax on a sale and the next twenty years worked out from it, for a one-time price in rupees.
Choose WealthGamma if
- Family portfolios: spouse, parents, children, each on their own PAN
- NSE and BSE stocks, Indian funds, gold, PPF, flat and home loan
- Tax known before you sell, under Indian rules
- Goals funded by your real investments
- Net worth projected decades ahead
- Dividend calendar: earned and upcoming
- A CAS or tradebook uploaded once a month
- Rupees, once, with a money-back guarantee
Use Kubera when
Your money is spread across countries and currencies, with crypto and DeFi in the mix, you want accounts to sync themselves, and a dollar subscription for a document vault and a dead man's switch is worth it to you.
Choose Kubera if
- Assets in several countries and currencies
- Crypto wallets, DeFi and NFTs that should sync themselves
- A document vault and a dead man's switch for heirs
- An API to pull the balance sheet into your own tools
- Comfortable paying $250 or $2,500 a year in dollars
Who should not switch to WealthGamma?
WealthGamma tracks and plans; it does not trade, sync or publish news. Four needs are better served elsewhere, and this list is meant literally: if one of these matters, do not switch.
- Buying and selling inside the app
- Automatic syncing by linking brokers or sharing an inbox
- US stocks, or crypto priced live from exchanges
- Market news and research next to the portfolio
If that is you, one of the trackers below is the better fit.
Other Kubera alternatives worth knowing
Five trackers Indian Kubera users move to, with the price, who each suits and the catch. INDmoney is the nearest free Indian net worth tracker, at the cost of inbox access. Value Research is free with fund research attached. MProfit is the most thorough on tax and the most expensive. None of them syncs crypto the way Kubera does.
| Tracker | Price | Best for | The catch |
|---|---|---|---|
| WealthGamma | Free plan; lifetime from ₹2,999 | A family's whole net worth, per PAN, with tax before you sell and projections ahead. | No trading, no auto-sync, no US stocks, no news. |
| Moneycontrol Portfolio Manager | Free | Someone who wants the closest thing to ET Portfolio: a free stock and fund list inside a news site. | Reviewers report you cannot bulk-upload sell transactions, so history has to be entered one sale at a time. |
| Value Research | Part of Value Research premium, about ₹5,000 a year | Mutual fund investors who want deep fund analysis with the tracker. | Paid yearly, and stocks are secondary to funds. |
| INDmoney | Free | Someone who wants everything auto-synced and does not mind how. | It reads your email and links to brokers to do it, so a third party holds your financial data. |
| Kuvera | Free | Direct fund investors who want a sell preview and family accounts in a free app. | Funds only; extras cost coins, and reviewers report missing features since the April 2026 CRED redesign. |
| Groww | Free for mutual funds; ₹20 per stock order | Someone who wants direct funds and a stock broker in one free app, with outside funds imported via MF Central. | A broker first; tracking outside holdings is basic and there is no net worth view. |
| ET Money | Free; Genius membership is paid | Direct mutual fund investors who want fund analysis and a simple tracker in one app. | Owned by 360 ONE since 2024; funds first, stocks secondary, and the app sells products. |
| MProfit | ₹18,000 a year plus GST; no cheaper plan since June 2025 | HNIs, family offices and CAs who need capital-gains reports in ITR, ClearTax and Winman formats across 700 or more brokers. | Priced by portfolio size, no free plan, and no goals, projections or harvesting. |
Prices and features as published by each company or reported in user reviews, checked . Tell us if one is out of date.
Questions Indian investors ask about Kubera
Short answers to the six questions Indian investors ask most about Kubera, from what it costs in rupees to whether it can do Indian tax.
How much does Kubera cost in India?
Kubera bills in US dollars only. Essentials is $250 a year, about ₹23,700 at September 2026 rates before your card's foreign-currency markup. The Family add-on is $225 a year and Black, with per-person portfolios, is $2,500 a year, about ₹2.4 lakh. There is no monthly plan, no free tier, a 14-day trial for a non-refundable $1, and subscription fees are non-refundable under its terms.
Does Kubera work for Indian stocks and mutual funds?
Partly. NSE tickers price automatically; BSE-only scrips do not. Indian mutual funds can be added by looking up the AMFI scheme code and entering units, but there is no CAS import, no folio and no SIP history. Kubera names no Indian broker, AMC, RTA or bank among its connections; India is covered only through a generic aggregator.
Can Kubera calculate Indian capital-gains tax?
No. Kubera tracks balances rather than transactions, so it holds no buy lots. Its tax feature is a single cost basis and a single rate you type per asset, giving a rough estimate on unrealised gains, and its help centre says it is not meant as a sharp planning tool. There is no LTCG and STCG split, no FIFO, no grandfathering and no ₹1.25 lakh exemption.
What is the best alternative to Kubera for Indian investors?
For a family's net worth with Indian tax, goals and projections at a one-time price in rupees, WealthGamma. For a free Indian tracker that syncs everything, INDmoney, if you are comfortable giving it inbox access. For a global tracker with transactions and dividends, Exirio or Sharesight, though neither knows Indian tax rules either.
How do I move from Kubera to WealthGamma?
Kubera holds balances, not transactions, so export is of limited use. Go to the source instead: download the tradebook from each broker and request a CAS from CAMS or KFintech for mutual funds. In WealthGamma, Settings, Import Data reads those files as they are. PPF, EPF, FDs, gold and property are added once with their values and rules.
Does WealthGamma track crypto or foreign assets?
Crypto is manual: you enter holdings and update the value yourself; there is no wallet or exchange sync. US stocks and other foreign assets are not supported. If a meaningful share of your wealth is in crypto or abroad, Kubera is the better fit for that part, and WealthGamma for the Indian part.
Compare WealthGamma with other trackers
- ET Portfolio alternative
- INDmoney alternative
- Kuvera alternative
- MProfit alternative
- Value Research alternative
- Fi Money alternative
- ET Money alternative
- Moneycontrol Portfolio alternative
- Zerodha Console alternative
- Excel Portfolio Tracker alternative
- Sharesight alternative
- Dezerv Wealth Monitor alternative
- Tickertape alternative
- MF Central alternative
- Delta alternative
Start with the free plan, import tonight
Free plan: 1 portfolio, unlimited stocks, mutual funds and gold priced daily, 1 SIP, 1 goal, 1 loan. No card, no expiry. Paid plans include a one-time lifetime plan from ₹2,999. Every paid plan has a 14-day money-back guarantee. Export everything to CSV whenever you like from Settings.
Start free, no card