Kubera is a subscription app that tracks your net worth across bank and brokerage accounts, crypto, real estate and other assets, including holdings in trusts or separate entities.
The standard plan is a flat $250 a year whatever you're worth, so the clearest saving on offer is the $200 Kubera Hearts referral credit.
Kubera takes its name from the Sanskrit word for the figure Indian mythology calls the lord of wealth. It is made by Kubera Apps, Inc. of San Francisco and was built by Rohit Nadhani together with Manoj and Umesh, who had worked side by side across two earlier companies; Nadhani's Webyog and CloudMagic were both acquired in 2018. The company says it has no investors and no sales team.
The feature list goes well past account syncing: Web Sync for institutions that cannot connect, live tracking of crypto, DeFi and NFTs, capital calls and IRR for private investments, an AI appraiser for property and valuables, multi-currency views, Fast Forward scenario planning, a Dead Man's Switch that hands the portfolio to chosen beneficiaries, and Proof of Wealth statements. AI agents such as Claude and ChatGPT can work from the balance sheet, and advisory firms can license Kubera White Label.
When shoppers look for Kubera coupons
Kubera coupon searches peak in September, about 1.4× a typical month, and dip lowest in February.
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US Google searches, Sep 2025 to Aug 2026. Search interest, not sales.
Kubera shipping, returns and perks
Pricing
The standard plan costs $250 per year at any net worth; the Black plan for complex multi-entity wealth has a price that wasn't readable.
Trial
You get 14 days with every feature switched on, and you choose a plan only after the trial ends.
Kubera Hearts
A paying member who refers a friend and the friend who joins each get $200 in subscription credit, never paid out as cash.
Stacking
Referral credits can't be combined with other Kubera promotional credits or campaigns, so pick the bigger saving.
Cancellation
Plans auto-renew monthly or yearly, and cancelling in account settings keeps your access until the paid period ends. (read Oct 8, 2026)
Refunds
Paid fees aren't refundable except where law requires it, though Kubera can approve a request case by case. (read Oct 8, 2026)
Demo and firms
A 30-minute demo costs $250, credited if you join Black; advisory firms get White Label from $300 a month, with no implementation fee.
On Kubera, the plan choice comes after the 14-day trial, so that's the moment a code or credit matters.
If a friend referred you through Kubera Hearts, start your trial through that referral, because the $200 credit only reaches friends who have begun a trial.
The credit lands on your subscription rather than in your bank account.
It also won't combine with other Kubera promotional credits or campaigns, so compare what each would take off the $250 yearly plan and keep the larger.
The paid demo works differently: its $250 fee comes back as credit only when you sign up for Black.
More ways to save at Kubera
Kubera's price doesn't climb as your net worth grows, since fees are never based on assets under management.
As a paying member, Kubera Hearts adds $200 in subscription credit for you when a friend joins, which offsets most of a $250 renewal.
If you're weighing Black, the $250 demo fee isn't lost when you sign up, because it's credited to that plan.
Kubera questions, answered
How much does Kubera cost?
The standard plan is $250 per year, and the price stays the same at any net worth. A Black plan for complex multi-entity wealth exists, but its price wasn't readable on Kubera's pages.
How does the Kubera Hearts referral work?
A paying Kubera customer and the friend they refer each get $200 in subscription credits. The friend needs to have started the trial, and the credits can't be redeemed for cash.
Can a Kubera referral credit be combined with another promotion?
Referral credits can't be combined with other Kubera promotional credits or campaigns. Compare both offers and use whichever saves more.
Does Kubera have a free trial?
Kubera gives you 14 days with all features before you choose a plan.
Can I get a refund on a Kubera subscription?
Paid fees are non-refundable except where the law requires a refund. Kubera may still grant a refund request case by case, and cancelling keeps access until the end of the period you've paid for.
Does Kubera charge a percentage of assets?
Pricing is never based on assets under management. The $250 standard plan costs the same whatever your net worth.
What happens to the Kubera demo fee?
The 30-minute demo costs $250, and that amount is credited to your account when you join the Black plan.