Tool Review
I used Kubera for about six months. And I genuinely liked a lot of it. The interface is stunning — easily one of the best-looking financial apps out there. It does things most trackers don't even try, like tracking the value of your car, your real estate, your 401k, your crypto, and your savings all in one place. If your goal is a clean, honest view of your total net worth across every asset class you own, Kubera is hard to beat.
But after six months, I had a problem I couldn't solve with Kubera. I was using it alongside a spreadsheet for my crypto exit planning, and the spreadsheet was doing more actual work than the app. That's when I started realizing Kubera was solving a different problem than the one that was costing me money.
Let me be specific about what works well, because I don't want to undersell it for the right use case.
Kubera's real strength is breadth. It connects to bank accounts, brokerage accounts, crypto exchanges, manual asset entries for real estate and vehicles, and even domain names and startup equity. It builds a full financial picture, not just a crypto dashboard. If you're a high-net-worth individual trying to track everything you own in one place, that comprehensiveness is genuinely valuable.
The currency conversion is solid. The historical net worth chart — showing how your total wealth has changed over time — is one of the best visualizations I've seen in a personal finance app. And the ability to assign a beneficiary to each asset, while it sounds morbid, is actually a thoughtful feature for estate planning purposes.
The design is clean, calm, and premium. It feels like a tool built for people who take their finances seriously. For that audience and that purpose, it's excellent.
Here's the honest assessment. Kubera tracks your crypto value in real time. It knows your position is worth X dollars today. What it doesn't do is help you figure out when and how to turn that position into realized cash.
There are no sell targets. You can't say "I want to sell 2,500 XRP when the price hits $3.00." You can't set a market cap trigger. There's no alert system that says "your target fired, do you want to log this sale?" There's no acknowledgment flow. There's no realized P&L tracking that updates when you exit a position.
What this means practically is that Kubera can tell you your portfolio is up 400% but it can't help you act on that in any structured way. The entire exit decision still happens in your head, in real time, without system support.
Kubera is exceptional at showing you what you have. It has no opinion about when or how you should exit. If that's the gap you're trying to close, Kubera isn't the tool for it.
It's also worth noting that Kubera is not free. At the time of writing, it costs $150 per year. That's not outrageous for what it does, but it's meaningful compared to tools that offer similar or better crypto-specific functionality at no cost.
ExitLedger is completely free, permanently, for all features. If you're primarily a crypto investor looking for exit planning tools, paying $150/year for a tool that doesn't have exit planning features is a hard value case to make.
Kubera makes a lot of sense if your situation looks like this:
If that's you, Kubera is a genuinely good product. I'd recommend it without hesitation for that specific use case.
If you're an active crypto investor who cares about exit discipline — setting targets before you buy, getting alerted when they fire, logging sales, tracking realized P&L — Kubera is missing most of the features that matter for that workflow.
In that case, ExitLedger fills the gap. It's purpose-built around the exit planning workflow: add your assets, set your targets by price or market cap, get alerted when they fire, log your sales, track your realized profits. That's the core loop, and it's the thing Kubera never tried to build.
Sell targets, market cap triggers, acknowledgment flows, and realized P&L tracking. All free.
Start for free →