A Kubera alternative for what you own.
Kubera describes itself as a personal balance sheet and net worth tracker for people managing complex wealth. It is built to hold everything, including what you owe.
FortuneOK is narrower. It tracks what you own, and puts its effort into currencies and honest returns. Debts are typed in by hand and only subtract from your net worth. If you need your debts on a full balance sheet, Kubera is the better fit, and the table shows why.
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Side by side
Scroll the table sideways to read every column.
| Topic | Kubera | FortuneOK |
|---|---|---|
| Price | Essentials at $250 a year and Black at $2,500 a year. They say pricing is based on complexity, not net worth. The currency and tax basis of these prices are not stated. | Free for tracking by hand, with no card. Broker sync is the one paid feature: $119 billed annually or $14 billed monthly, taxes included, and free for 14 days. |
| Free option | A 14-day trial. | Free forever for tracking by hand, with no card. Broker sync is free for 14 days, then paid. |
| What it tracks | Stocks and funds, crypto (wallets, DeFi and NFTs), private investments, physical assets such as gold, real estate, vehicles, jewelry and watches, and liabilities. | Stocks, ETFs, funds, crypto, cash, real estate, cars and precious metals. |
| Debts | Yes. Liabilities such as debts are tracked next to your assets. | Yes, entered by hand. Mortgages, loans and card balances you type in by hand, in any currency, subtracted from your assets for a net worth line. They are not linked to a loan or card account, and a balance keeps no history. |
| Currencies | Enter a value with a currency code and view your net worth in a chosen currency or in Bitcoin. The list of currencies and the rate source are not published on their site. | Any base currency. Each trade is converted at the rate of its own day, and the returns row shows how much of a gain came from the exchange rate. |
| Connections | Several data aggregators covering thousands of banks and brokerages, a web-sync fallback, and manual positions by ticker across US, Canadian, UK, European and Asian exchanges. | Syncs from 28 brokers. A CSV or Excel file covers the rest, and it is read in your browser. |
| Return method | IRR per asset, computed from the cash in and cash out you enter. Shows ROI for under about a year. | Money-weighted (XIRR) and time-weighted return, side by side. Nothing held under a year is turned into a yearly rate. |
| Benchmarks | Club Benchmarks compare you with anonymised customers of a similar net worth. | The performance chart overlays the S&P 500, Nasdaq 100, total US market, FTSE All-World, or any ticker you search. |
| Planning | Fast Forward scenario modelling. | A FIRE projection, an emergency fund goal, a target return and allocation targets with tolerance bands. |
| Platforms | Web, iPhone and Android. | A web app that works on a phone. There is no separate app. |
Choose Kubera if
- You need one balance sheet with debts, private holdings, vehicles and metals on it.
- You want to share the sheet with an advisor or family. They list sharing, and ownership tags on Black.
- You want native iPhone and Android apps.
- You want to see your net worth in Bitcoin as well as a currency.
Choose FortuneOK if
- You mainly want to know how your investments are doing, across currencies, without paying for a full balance sheet.
- You want each trade converted at the rate of its own day, and time-weighted return next to money-weighted.
- You want goals and allocation targets that tell you what to buy or sell to get back in line.
- You want to track by hand for free, with no card, and pay only for broker sync.