Best Kubera Alternatives for Multi-Entity Households (2026)
Kubera gates nested portfolios for LLCs and trusts behind its $2,500 Black plan. The best alternatives for multi-entity households in 2026, and when you need a planning layer instead of a tracker.
Updated: 2026-06-23
If you track more than one legal entity, Kubera quietly gets expensive. The base Essentials plan ($250/year) holds a single portfolio. The moment you want nested portfolios for your LLCs, trusts, or family members, Kubera moves you to the Black plan at $2,500/year. That ten-times jump is why most "Kubera alternative" searches come from people with a holding company, a couple of rentals in separate LLCs, or a trust. This guide covers the alternatives that handle multiple entities, and the more useful question underneath the search: do you need cheaper nested tracking, or do you need a layer that actually operates across those entities?
Last reviewed: June 23, 2026.
Key takeaways
- Kubera's multi-entity feature (nested portfolios) lives on the $2,500/year Black plan, not the $250 Essentials plan.
- If you only need to see the entities, cheaper nested trackers like Capitally cover it.
- If your real problem is operating across the entities (per-entity tax reserves, estate documents, advisors who do not talk to each other), that is a planning and coordination layer, not a tracker.
- Free trackers exist, but most do not model trusts or LLCs at all. Confirm entity support before you switch.
Who this is for
- A business owner with a holding company and operating LLCs who wants each entity tracked separately.
- A family with a revocable or irrevocable trust that should not be commingled with personal accounts.
- A real estate investor with properties in separate LLCs.
- Anyone who hit Kubera's Black-plan paywall and asked "is there a cheaper way to do this?"
Why people leave Kubera for multi-entity tracking
Kubera is a well-built balance sheet for a single owner. The friction is structural, not quality: nested portfolios (the feature that keeps each LLC or trust on its own books) is a Black-plan feature. So a household that started on Essentials at $250 and then formed a second LLC or funded a trust is looking at $2,500/year to keep things separated. For some offices that is fine. For a household with three entities and no full-time staff, it is a prompt to look around.
The alternatives
1. Capitally (closest cheaper nested tracker)
Capitally supports multiple projects and deeply nested accounts starting on its Navigator plan (from about €130/year), so you can separate legal entities, family members, or test strategies without jumping to an enterprise tier. It adds on-device encryption, a full transaction history that holds up at tax time, and professional analytics (time- and money-weighted returns, FX attribution) across stocks, real estate, private equity, and liabilities. Best for a DIY investor who wants Kubera-style nested tracking at a fraction of the Black-plan price.
2. Write-Up (entity accounting, not just tracking)
Write-Up is stock-portfolio accounting software built for holding companies, trusts, and estates. It is less a net-worth dashboard and more a books-and-records tool for entities that need defensible transaction accounting. Best for someone whose accountant wants clean per-entity records, not just a balance-sheet snapshot.
3. Sharesight / Snowball (portfolio-first trackers)
Both are mature portfolio trackers with multi-portfolio support and strong dividend and performance reporting. Neither is built specifically around legal-entity structures, but separate portfolios can stand in for separate entities. Best for investors whose entities are mostly brokerage accounts.
4. TrackMyStack (free, private, but no entity modeling)
TrackMyStack keeps data on your device with no account linking and no sign-up, and it is free. The honest caveat: it has no support for complex ownership structures like trusts or LLCs. Best as a private personal tracker, not a multi-entity solution.
5. Asora (family-office grade)
Asora is wealth-tracking software aimed at family offices, with multi-entity aggregation and reporting built in. It is the up-market option: more capability, family-office pricing. Best if you are effectively running a single-family office and need institutional reporting.
6. X1 Wealth (the planning layer above tracking)
X1 is not another balance sheet. It sits above your accounts as the planning and coordination layer for households in the $1M to $30M range, the band that has outgrown a personal tracker but sits below the $25M+ tier a multi-family office will take. Its Entity Desk views finances per entity and estimates a federal tax reserve for each one using the prior-year safe harbor, the Vault reads your trust and estate documents in plain language, and advisor coordination keeps your CPA, attorney, and advisor working from the same record. Best when the problem is not "I cannot see my entities" but "I cannot operate across them." X1 is $97/month for the household.
Comparison at a glance
| Tool | Multi-entity support | Pricing | Best for |
|---|---|---|---|
| Kubera | Black plan only | $250/yr Essentials, $2,500/yr Black | Single-owner balance sheet |
| Capitally | Yes (nested) | from ~€130/yr | Cheaper nested tracking |
| Write-Up | Yes (entity accounting) | Quote | Per-entity books and records |
| Sharesight / Snowball | Via separate portfolios | Tiered | Portfolio-first investors |
| TrackMyStack | No | Free | Private personal tracking |
| Asora | Yes | Family-office pricing | Single-family-office reporting |
| X1 Wealth | Yes (planning + coordination) | $97/mo | Operating across entities |
The real question: tracker or planning layer?
Every other entry on this list answers the same question Kubera does, just cheaper or with a different feature set: how do I see my entities in one place? That is a real need, and Capitally or Write-Up will solve it.
But the reason a household forms multiple entities is rarely so the balance sheet looks tidy. It is taxes, liability, and succession. And those create work that a tracker does not touch:
- Each pass-through entity has its own estimated-tax exposure. Seeing the balance does not tell you what to set aside per entity.
- The trust you funded has documents that decide what happens to all of it. A net-worth number does not explain the pour-over provisions.
- Your CPA, attorney, and advisor each hold one piece. Nobody is making sure they agree.
If that is the actual problem, a cheaper tracker just gives you a prettier view of the same unmanaged complexity. The alternative is a layer that operates across the entities, not one that only displays them. That is the distinction worth deciding on before you pick a tool.
Questions to ask before you switch
- Do I need to see the entities, or act across them? Be honest about which.
- Does the tool model trusts and LLCs natively, or am I faking it with separate portfolios?
- What is the all-in annual cost once I have the number of entities I actually have?
- Does it help with the work the entities create (tax, estate, coordination), or only the view?
Frequently Asked Questions
Does Kubera support multiple entities like LLCs and trusts?
Yes, but only on the Black plan at $2,500/year. The base Essentials plan ($250/year) is a single portfolio; nested portfolios for trusts, LLCs, and family entities require Black.
What is the best cheaper alternative to Kubera for nested entities?
Capitally is the closest cheaper option, with nested accounts from about €130/year. Write-Up is better if you need per-entity accounting records rather than a dashboard.
Is there a free Kubera alternative?
TrackMyStack is free and private, but it does not model trusts or LLCs, so it is not a true multi-entity solution.
Related
- Family Office Software Comparison 2026
- Household & Entity Statistics 2026
- How X1 fits your financial stack
- Family Office Blueprint
Sources
- Kubera (official): https://www.kubera.com/
- Kubera Black plan (Kubera Help Center): https://help.kubera.com/article/129-what-is-kubera-black
- Capitally: Kubera review and pricing: https://www.mycapitally.com/blog/kubera-review
- TrackMyStack: https://trackmystack.app/
Methodology
- Pricing and feature details reflect publicly available information as of June 2026 and are subject to change.
- Entity-support claims are based on each vendor's documented plan features. Confirm current tiers on the vendor site before purchasing.
- We have no affiliate relationship with any tool listed.
Compliance note
This comparison is for informational purposes only and does not constitute financial, investment, tax, or legal advice. Tools that estimate tax reserves use standard safe-harbor rules and are not a substitute for a CPA. Evaluate any tool against your specific situation and consult a qualified professional before making decisions.
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