Kubera is a good balance sheet for someone whose assets sit in accounts, property and crypto. The problem starts when an LLC is a line item you type in by hand, because it is stale the day after you type it. This page compares Kubera, Empower, Monarch and HaraPro for the person whose spreadsheet has tabs named after companies.
| Kubera | Empower | Monarch | HaraPro | |
|---|---|---|---|---|
| Built for | Investors and families tracking net worth across every asset type | An individual tracking net worth and retirement, free | A household budgeting together, on one or two incomes | Families and owners running several companies, with the books behind the number |
| Price | Essentials $250 a year; Black $2,500 a year | not measured here | not measured here | Free for one business; from $19 a month |
| Multiple companies | Ownership tags on Black; no books inside them | No, one household's accounts | No, one household's budget | Native: each company has its own books |
| Where the number comes from | Account balances, valued daily | Account balances | Transactions, categorized for budgeting | Transactions, classified by company and rolled up |
When each one is the right tool:
Prices and features are from each product's published pages as of September 2026.
| Kubera | HaraPro | |
|---|---|---|
| Built for | Investors and families tracking total net worth across every asset type | Families and owners running several companies, with the books behind the number |
| Price | Essentials $250 a year; Black $2,500 a year | Free for one business; Starter |
| Model | Balances: accounts, holdings, manual assets, valued daily | Transactions: every account's activity classified by company, rolled up to net worth |
| Asset coverage | Very wide: global banks and brokerages, crypto and DeFi, private stock, LP interests with IRR, homes, cars, metals | US banks and brokerages via Plaid or statement upload; real estate, vehicles, private notes and investments as tracked assets |
| Companies and trusts | Ownership tags and nested portfolios on Black | Native on every tier: each company has its own books, ownership map drawn from them |
| Loans between companies | A debt line and an asset line, unlinked | One instrument, each payment linked, both sides updated |
| Tax | Not covered | Live forecast across companies |
| Estate | Dead Man's Switch for beneficiary access; document storage | Trusts, wills, powers of attorney, directives, personal property memo, against the companies |
| Advisor access | Portfolio sharing; white-label plans for professionals | Invite a CPA or advisor; Partner and Enterprise tiers for firms |
| Trial | 14 days | Free tier, no card, no time limit |
Breadth. Kubera connects to banks and brokerages in many countries, tracks crypto across chains including DeFi positions and staking, values private company stock and fund interests with IRR, and pulls estimates for homes and vehicles. It handles multiple currencies. It has a Dead Man's Switch, which sends the family the picture if the owner goes silent, and that alone has justified the price for people who hold assets nobody else knows about. Black adds ownership tags so one portfolio can be sliced by person, trust or company, nested portfolios with separate access, and concierge onboarding. If the question is "what is everything we own worth today, everywhere", Kubera answers it better than anything at its price.
Kubera reads balances. It sees that the holding company's account went from $84,000 to $61,000 and that the rental LLC's went up by $23,000, and it reports the new net worth, which is correct. It does not see that the $23,000 was a loan, that the note now exists, that payments will come back with interest, or that the two companies' books need to carry the same balance for the family's number to be right. It does not see that the $12,000 that left the S-Corp was a distribution, not salary, and that the owner's estimated tax just changed. A balance sheet is the output of the books; Kubera shows the output and leaves the books to QuickBooks and a spreadsheet, which is fine for an investor with brokerage accounts and a problem for a family with companies that transact with each other. Our guide to net worth across trusts and LLCs covers the look-through and elimination rules a tracker cannot apply on its own.
Kubera's ownership tags are a real feature and they close part of the gap: on Black you can tag each asset to a person, trust or company and view the breakdown. What they tag is balances. There are still no books inside the company, no classification of what the company spent, no P&L, no draws and distributions, no loan instrument between two tagged companies, and no tax view. HaraPro starts from the company on every tier: each LLC, S-Corp, trust or rental is its own company with its own accounts and books, the ownership map is drawn from those books rather than tagged by hand, and net worth is the consolidated result with intercompany balances eliminated and liquid assets separated. The price of that difference is Black's $2,500 a year against HaraPro's Pro at $789 a year for ten companies or Unlimited at $1,989 for any number.
Books per company with AI classification and a CPA who can be invited in. Loans between companies as instruments, with each payment linked to the note and both sides updated from one transaction, which we have not found in any tracker or small business tool. A live tax forecast across companies. Estate planning that keeps the trusts, wills, powers of attorney, directives and personal property memo against the companies and people they concern, rather than a document folder. What HaraPro does not do that Kubera does: global brokerages outside Plaid's coverage, DeFi positions, IRR on fund interests, multi-currency portfolios, and the Dead Man's Switch. A family with a large international or crypto book and few companies is Kubera's customer.
Families with several companies who look past Kubera usually land on Addepar, Asora, Fundcount or Asset Vantage, which are built for families that already run a formal office with staff, at prices to match and with implementation projects measured in months. Between a personal tracker and those sits the family with two to ten companies and nobody on payroll to run them: the operating company, the holding company, the rental LLCs, a trust or two, and a loan or three between them. That family needs the books, the consolidation, the tax view and the estate documents in one place, at a price a family pays rather than a budget line an office approves. That is HaraPro's Unlimited tier, and the reason it exists.
| Situation | Kubera | HaraPro |
|---|---|---|
| Investor, personal accounts, global or crypto assets | Essentials, $250 a year | Kubera is the right product |
| Owner, one business plus personal | Essentials, business as balances | Free, with the business's books and forecast |
| Family, two to ten companies | Black, $2,500 a year, tagged balances | Pro, $79 a month or $789 a year |
| Family, unlimited companies, trusts, estate | Black, $2,500 a year | Unlimited, $199 a month or $1,989 a year |
Kubera if the family's complexity is in what it holds: many brokerages, several countries, crypto, funds, private stock, and few companies. HaraPro if the complexity is in how it is held: companies that transact with each other, loans between them, a tax picture that changes with every distribution, and an estate that has to be planned against the structure. Some families run both, Kubera for the total and HaraPro for the companies; most with more than two companies find the consolidated number in HaraPro is the one they trust, because it comes from the books. One business is free to try, and the family's companies can be added when the number looks right.
For families and owners with several companies, yes: HaraPro keeps each company's books and consolidates them into net worth, where Kubera tracks balances. For an investor with wide global or crypto holdings and few companies, Kubera is the better tool.
On Kubera Black, ownership tags and nested portfolios let you tag balances to people, trusts and companies. There are no books, transactions, P&L or loans between companies inside those tags.
Kubera is $250 a year (Essentials) or $2,500 a year (Black). HaraPro is free for one business, $284$189 a year for three companies, $789 for ten and $1,989 for unlimited, or monthly at $29$19, $79 and $199.
No. HaraPro's estate features keep the trusts, wills, powers of attorney and directives against the companies and people they concern, and let you invite an advisor or CPA; Kubera's beneficiary release on inactivity is a Kubera feature.
Yes. Some families keep Kubera for the total across global assets and use HaraPro for the companies, the loans between them, the tax forecast and the estate plan.