A free Kubera alternative for stocks and ETFs

Portfolio Terminal is a free alternative to Kubera for investors whose wealth is mostly stocks, ETFs and crypto: it adds dividends, FIFO realized gains and the companies inside your ETFs. Kubera is the better pick for a full balance sheet with property, private assets and several entities synced automatically; it has no free plan and starts at $250 a year.

prices checked October 5, 2026by Julien Esnault, who makes Portfolio Terminal10 sources

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01Which one

Kubera or Portfolio Terminal: who each one suits

choose kubera if
  • You track property, private companies, cars or collectibles alongside your portfolio.
  • You want accounts synced automatically through Plaid, Yodlee, MX or Mastercard.
  • You manage several entities or a family office and $250 a year is not an issue.
choose portfolio terminal if
  • Your wealth is mostly listed stocks, ETFs and crypto, and you don't want a $250 yearly bill.
  • You want dividends, FIFO realized gains and ETF look-through, which Kubera doesn't document.
  • You prefer importing a file to sharing a bank login.
02Side by side

The same eight questions, asked of both

side by sidechecked October 5, 2026
QuestionKuberaPortfolio Terminal
Free planNo free plan. A 14-day trial, then a paid plan.[1]Free with no holding limit. A guest mode works without an account.[2]
Paid plansEssentials $250/year; Black $2,500/year. No monthly price is shown.[1]Nothing to buy today. A Pro plan is in development at $9/month billed yearly ($11 monthly), with a waitlist.[2]
How holdings get inAutomatic sync through Plaid, Mastercard, Yodlee and MX, plus PDF, CSV or screenshot import for transactions.[3]Upload a CSV or Excel file, paste a table, or drop a screenshot from any broker. Transaction-history CSVs from 10 brokers are read directly, plus a generic format. No automatic broker sync.[4]
DividendsNo dividend tracker or calendar documented; dividends are entered as cash flows.[5]Dividends received by month and year, a 12-month projection, and the next ex-dividend dates of your holdings.[6]
What is inside your ETFsNot documented.[7]Yes. The companies inside your funds, from the issuers' full holdings files for 30 US ETFs and the top 10 holdings for other funds.[8]
Realized gainsCost basis and gains per holding; no lot method such as FIFO documented.[7]FIFO, lot by lot, with a CSV export.[9]
Tax reportsNone. Kubera says it is "not a tax filing tool".[7]None.
PlatformsWeb; installable on iOS and Android from the browser, no app-store app.[10]Web. Installable on a phone or desktop home screen (PWA); no app-store app.[9]
03Limits

Best for, and one honest limit each

fit and limits2 tools

KuberaKubera Apps, Inc., San Francisco, USA

Best forWealthy households who track many kinds of assets and entities (property, private holdings, crypto) on one balance sheet and are fine paying $250 a year.

LimitNo free plan: $250 a year at the minimum once the 14-day trial ends.[1]

Portfolio TerminalJulien Esnault, independent developer, France

Best forInvestors with US or European brokers who want a free web tracker with ETF look-through, FIFO gains and risk in plain English, without linking a bank login.

LimitNo automatic broker sync: you re-import a file or a screenshot when your holdings change. Prices come from Yahoo Finance and can lag the market by several minutes.[4]

04Switching

Moving from Kubera

steps3 steps
  1. 01Export the transaction history CSV from each broker, or take a screenshot of each positions screen.
  2. 02Import it in Portfolio Terminal and check every line before it is saved.
  3. 03Keep property and private assets where they are; Portfolio Terminal tracks the listed part.
05Questions

Kubera alternatives: what people ask

questions4 answered

Does Kubera have a free plan?

No. Kubera offers a 14-day trial, then Essentials at $250 a year or Black at $2,500 a year (checked October 5, 2026).

Is Portfolio Terminal really free?

Yes, with no holding limit and a guest mode that works without an account. A Pro plan is in development at $9 a month billed yearly; nothing is for sale today.

Can Portfolio Terminal track real estate like Kubera?

No. It tracks listed investments: stocks, ETFs, funds and crypto. Kubera is built for the whole balance sheet.

Does Kubera track dividends?

Kubera documents no dividend tracker or calendar; dividends are entered as cash flows. Portfolio Terminal shows dividends received by month, a 12-month projection and the next ex-dividend dates.

Other trackers, same eight questions

Or see all of them on one grid: the best free portfolio trackers, compared.

SharesightalternativeSnowball AnalyticsalternativegetquinalternativeParqetalternativeDeltaalternativeFinaryalternativePortfolio PerformancealternativeGoogle SheetsalternativeMicrosoft Excelalternative

Sources, read on October 5, 2026

Prices and plans are quoted as each vendor prints them, in its currency, on the day above. They change; the linked page is the one to trust. Found something out of date? Write to julien.esnau@gmail.com and the page is corrected with the date.

  1. [1]kubera.com
  2. [2]portfolio-terminal.com#pricing
  3. [3]help.kubera.com/article/18-how-kubera-connect-bank-financial-accounts
  4. [4]portfolio-terminal.com/import
  5. [5]help.kubera.com/article/96-transactions-for-my-investments
  6. [6]portfolio-terminal.com/dividend-tracker
  7. [7]kubera.com/portfolio-tracker
  8. [8]portfolio-terminal.com/etf-overlap
  9. [9]portfolio-terminal.com/llms.txt
  10. [10]help.kubera.com/article/69-how-to-install-kubera-on-ios-iphone
Try it on your own holdingsFree, no card, no bank login. Import a file or a screenshot and check every line before it is saved.Start Free Migration

Portfolio Terminal is made by the author of this page, so read the comparison with that in mind: every statement about Kubera links to Kubera's own pages, and Portfolio Terminal's limit is stated as plainly as theirs. Nothing here is investment advice.