Vault compared with Kubera
Kubera is the closest thing to Vault in this market and the fairest comparison on this site. Both are paid by their users rather than by advertisers, both refuse to sell data, and both count assets a mainstream tracker ignores. Two things separate them: Kubera connects to accounts and wallets and Vault does not, and Kubera can read your figures while Vault cannot.
| Vault | Kubera | |
|---|---|---|
| Business model | Subscription, no ads, no referrals | Subscription, no ads, no referrals |
| Account and wallet connections | None offered | Banks, brokerages, exchanges and wallet addresses |
| What their server can read | Ciphertext, row identifiers, dates | Your holdings and their values |
| Encryption of values | Client-side, under a key we never receive | In transit and at rest, under keys they hold |
| Alternative assets | Ten manual categories, never forced into a ticker | Broad, including collectibles and domains |
| Companies, nested look-through | Yes, including companies owning companies | Not a documented feature |
| Property with its mortgage | A loan engine with schedule and events | Value tracking, with connected or manual balances |
| Financial-independence projection | Monte Carlo, coast FIRE, drawdown | Not the product's focus |
| Price | Free to fifteen holdings; Pro $15 a month | Around $150 per year, published on their site |
Verified August 2026. Prices and features change; if you find something out of date here, it is a mistake rather than a position.
When Kubera is the better choice
If you want the breadth of connectors and the convenience of a total that maintains itself, Kubera is a better product for that job and has been doing it for longer. It also handles categories of asset we have not built for. Kubera's privacy commitment is real and honestly stated — the distinction this page draws is not that they would read your data, it is that they could and we could not. If that distinction does not matter to you, Kubera is an excellent choice and we would rather say so than pretend otherwise.