Kubera Alternative for Equity Tracking: RSU and ESPP Support That Kubera Lacks

COMPETITOR

Kubera

No equity compensation tracking — RSU vesting, ESPP, and stock options are not natively supported

Why Kubera Has the Best General Wealth Tracking

If you need to see your net worth across a genuinely diverse set of assets — brokerage accounts, retirement accounts, crypto holdings across multiple exchanges and wallets, real estate equity, private equity positions, vehicles, international bank accounts — Kubera does this better than any mainstream consumer alternative.

The product was built around one question: where is all your wealth? It answers that question with more breadth than competitors. Real estate valuations update automatically via Zillow integration. Crypto connects at the wallet level, not just exchange balances. The interface is clean enough that reviewing your net worth dashboard doesn’t feel like work.

For high-net-worth individuals with complex, diversified portfolios, the $150/year price point is defensible. Kubera doesn’t try to sell you advisory services. It shows you your money.

The Equity Compensation Gap

Kubera’s asset tracking has one major blind spot for tech professionals: equity compensation.

RSU vesting schedules are not a native feature. You can see the brokerage account where shares land after they vest, but you cannot see your grant dates, cliff dates, quarterly vest amounts, or the value of unvested shares. For someone who has three or four years of unvested RSUs at a company like Microsoft, Google, or Stripe, this is not a small omission — it can be hundreds of thousands of dollars of expected future value that Kubera simply doesn’t show.

ESPP shares appear as brokerage positions, but Kubera doesn’t track purchase windows, discount rates, or holding periods for tax optimization. Stock options with strike prices and expiration dates are not supported.

The workaround most Kubera users adopt — manual spreadsheet entries for unvested equity — is exactly the kind of fragmented tracking that a wealth aggregator is supposed to eliminate.

Investment Analysis Is Also Absent

Beyond equity comp, Kubera also lacks investment analysis tools. It shows account balances and total net worth. It does not show your asset allocation breakdown, investment performance vs benchmarks, fund expense ratios, or retirement planning scenarios.

If you want to know what you own and what it’s worth, Kubera answers that. If you want to know whether your portfolio is allocated correctly, whether your 401(k) funds are expensive, or whether you’re on track to retire on your timeline, you need a different tool for that analysis.

What Thalvi Is Building for Tech Professionals

We built Thalvi because neither Kubera nor Empower serves tech professionals with equity compensation well. Kubera has the aggregation breadth but not the equity comp support. Empower has investment analysis but no equity comp and a persistent advisor upsell model.

Thalvi aggregates standard accounts at $9/month, with equity comp tracking — RSU vesting views, ESPP positions, and ISO exercise scenarios — as a core feature rather than a manual workaround. The subscription model means the product’s incentives are aligned with giving you accurate financial visibility, not converting you into a managed account client.

If your Kubera usage involves a second spreadsheet for tracking your unvested RSUs, Thalvi is being built to close that gap.