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NomadWealth vs Kubera
Kubera is one of the best cloud net-worth trackers: broad asset coverage, automatic account aggregation, a clean UI — for around $199 every year, with your complete balance sheet held on their servers. NomadWealth matches the breadth (property, private loans, business income, multi-currency) but flips the model: it runs on your own Vercel and Neon, the vendor can't see your data, and you pay once. You give up automatic bank sync — deliberately, since sync means handing over credentials — and gain event-date FX tax reporting and return attribution Kubera doesn't attempt.
| Feature | NomadWealth | Kubera |
|---|---|---|
| Public holdings (stocks, ETFs, crypto) | ||
| Real estate | ||
| First-class multi-currency | ||
| Automatic bank & broker sync | ||
| Self-hosted, your own data | ||
| Works without bank logins | ||
| One-time price — no subscription | ||
| Private loans receivable | ||
| Income separated from capital gains | ||
| Year-end tax pack at event-date FX | ||
| Return attribution by holding period | ||
| FIRE / net-worth projection |
If automatic aggregation matters more to you than custody of the data, Kubera is excellent and worth its subscription. If you'd rather own the infrastructure, pay once instead of every year, and get income/tax detail a cloud tracker doesn't produce, NomadWealth is the fit — €149 costs less than one year of Kubera.
The table shows the full Pro feature set. You can also start with the free Lite version — the same self-hosted app with honest caps — and upgrade in place.