Kubera vs Thalvi for Equity Portfolio Tracking (2026)

The Asset Composition Question

Choosing between Kubera and Thalvi comes down to what makes your portfolio complex.

If the complexity is on the alternative asset side — significant crypto holdings you want tracked at wallet level, real estate equity you want automatically updated, private equity positions, international bank accounts — Kubera is built for that. It is the most comprehensive consumer wealth tracker for investors whose wealth is distributed across asset classes that most tools do not support.

If the complexity is on the equity compensation side — RSU grants from your employer, ESPP participation, maybe ISOs from an earlier-stage company — Thalvi is being built for that. The asset classes are not exotic, but the tracking requirements are: vesting schedules, grant dates, unvested vs. vested values, and ESPP cost basis are all features that general wealth trackers handle poorly.

What Kubera Does With Equity Compensation

Kubera connects to the brokerage or equity portal where your vested shares land. After an RSU vest, the shares settle in your account, and Kubera can see the account balance. That is where the equity comp story ends.

Kubera does not show you your unvested grant schedule. It does not track the four-year grant you received that is 18 months into vesting. It does not flag upcoming vest dates. It does not separate the ESPP shares in your account from other holdings and track their cost basis and qualifying holding period.

Users work around this by maintaining manual entries in Kubera for unvested equity — recording the grant value and expected vest dates by hand. This defeats the purpose of an aggregator and requires updating after every price movement in your company’s stock.

What Thalvi Is Building for Equity Comp

Thalvi is designed around the premise that equity compensation is not an edge case for tech professionals — it is the center of the wealth picture. RSU vesting schedules, ESPP participation, and stock options are not features added to a general wealth tracker; they are the primary use case.

The planned feature set includes equity portal connections (Fidelity NetBenefits, E*Trade at Work, Morgan Stanley at Work), vesting schedule visualization, unvested vs. vested value breakdowns, ESPP purchase tracking with cost basis, and ISO exercise scenario modeling.

Combined with standard account aggregation — brokerage, 401(k), IRA, bank — this gives tech professionals a complete net worth view that includes equity comp as a first-class element rather than a manually maintained workaround.

Price Comparison

Kubera costs $150/year. Thalvi costs $99/year ($9/month). The price gap is meaningful — 33% less per year for a tool that targets the specific problem tech professionals have.

The caveat: Kubera does more for alternative asset holders. If you have crypto, real estate, private equity, and international accounts alongside equity comp, Kubera’s breadth may justify the premium. If your portfolio is primarily equity comp and standard US accounts, you are paying Kubera’s alternative asset premium for features you do not need.

Neither Has an Advisory Business

Both products are subscription-funded. Neither will contact you about wealth management services. Neither is using your financial data to identify advisory leads. On this dimension — product alignment with user interests — both tools are preferable to Empower’s free model.

The relevant question is which tool tracks the assets that matter most in your specific portfolio. For most tech professionals in 2026, equity compensation is that asset.

Verdict

Kubera is the right tool for investors with diverse alternative assets — significant crypto holdings, real estate equity to track, private equity positions, or international accounts. Thalvi is being built for the tech professional whose portfolio complexity is primarily equity compensation: RSU vesting, ESPP tracking, and standard US accounts. Different tools for different portfolio profiles.