Kubera is a self-serve net worth tracker for individuals and families. Zahlenwerk is a workspace for a family office's fund investments, the documents behind them, and the books.
As of October 11, 2026. Statements about Kubera are what Kubera publishes about itself; the sources are at the end of the page.
| Zahlenwerk | Kubera | |
|---|---|---|
| Published price | From €199 a month, on the pricing page | $250 a year (Essentials) or $2,500 a year (Black), published |
| What the price depends on | The package, priced per team. Not assets under management | The plan; not a percentage of assets |
| Getting started | Beta, by waitlist. No implementation project | Self-serve, with a 14-day trial |
| Fund statements and notices | Forward or upload. Parsed into records; fields below the confidence bar wait for a person | An AI agent can read an emailed fund statement and update the balance sheet |
| Figure back to its source | Every figure links to the page of the document it was read from | Not described on the pages we checked |
| Books per legal entity | Included: chart of accounts, bank transactions, coding, loans and interest, per legal entity | Not described on kubera.com |
| Claude and ChatGPT | Built-in assistant. Claude and ChatGPT connect over OAuth with the user's own permissions | Read-only connection to ChatGPT, Claude and other assistants |
| German | Website and documentation in German; the app is in English | Website in English |
Kubera is cheaper, available today without a waitlist, and connects to thousands of banks and brokerages through several aggregators. For a person or a family who wants one live balance sheet across everything they own, it is hard to beat.
It also tracks committed capital, calls, distributions and IRR for private investments, which covers what many individual investors need from a private markets tool.
If you need a net worth balance sheet, you should not. Zahlenwerk costs more because it does different work: books per legal entity, statements parsed into records with a review step, and roles for a team. If you do not need those, Kubera is the better buy.
Yes. Kubera tracks committed capital, calls, distributions and IRR. Zahlenwerk adds the documents behind them: every figure links to the statement page it came from, and restatements stay traceable.
Yes. Some investors keep a net worth view in one tool and the office's fund investments and books in another. You can export everything from Zahlenwerk, so nothing is locked in.
Forward one quarter's statements and compare what comes out with the workbook you already trust. That is how the firms in the beta started, and it is a better test than any comparison page.