Kubera tracks nearly everything, elegantly — and stops there. IOMI covers the same breadth, handles business entities from $39/mo instead of $2,500/yr, and adds the intelligence layer: CES, Next Dollar Allocation, and an AI grounded in your numbers.
Kubera is a serious balance sheet for high-net-worth holdings. Crypto, alternatives, private equity, LP positions, multi-currency — it tracks the assets most tools ignore, and it does that well.
It is also, by design, passive. Kubera shows you the picture and stops there: there is no score, no ranking of what to do next, no assistant reading your numbers. And the entry price reflects the audience — $250/yr, or $2,500/yr for the Black tier.
The comparison
| IOMI | Kubera | |
|---|---|---|
| Price | $29/mo Personal · $39/mo Business — annual billing brings Personal to about $24/mo | $250/yr Essentials · $2,500/yr Black |
| Business + personal entities | Native and unified, up to 3 business entities | At the $2,500/yr Black tier |
| Intelligence layer | Capital Efficiency Score, Next Dollar Allocation, Goals, Simulator | Passive tracking — no intelligence or score layer |
| AI on your live data | Chat grounded in your live balance sheet | — |
| Asset coverage | Bank accounts, investments, crypto, real estate with live valuations, private equity, collectibles, vehicles, liabilities | Crypto, alternatives, private equity, LP positions, multi-currency |
| Estate & proof of wealth | — | “Dead Man’s Switch” estate planning, “Proof of Wealth” |
| Platforms | Web app — responsive on mobile | Web-first (PWA) |
| Free trial | 1 month free | 14 days |
Kubera pricing and features as published by the vendor, August 2026.
Why IOMI
- Business + personal, unified. Kubera can hold the whole picture, but the tier that does it costs $2,500/yr. IOMI unifies personal wealth and up to 3 business entities natively, from $39/mo.
- Intelligence, not tracking. This is the real split. Kubera is a mirror: precise, complete, silent. IOMI adds the Capital Efficiency Score, Next Dollar Allocation and a simulator, so the picture comes with a next move.
- AI grounded in live data. Kubera has no assistant. IOMI answers questions about your money in plain English, from your real numbers, on web and mobile.
Keep comparing
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