Bukdin vs Kubera: Best Net Worth Tracker for FIRE (2025)

Feature	Bukdin	Kubera
Cash Flow Tracking	✓ AI-powered categorization	✗ Assets only
FIRE Projections	✓ Built-in calculator	✗ Not included
Data Entry	✓ AI categorizes uploads	~ Mostly manual
Stock Portfolio	✓ Real-time + S&P comparison	✓ Real-time tracking
Real Estate	✓ Manual valuations	✓ Zillow integration
Crypto/DeFi	~ Basic support	✓ Best-in-class
Estate Planning	✗ Not included	✓ Dead Man's Switch
Bank Login Required	✓ Never	✓ Optional
Annual Price	€199-299/yr	$249-2,499/yr

The Key Difference: Assets vs. Complete Picture

Kubera excels at tracking what you have — your assets across stocks, crypto, real estate, and alternative investments. It's essentially a sophisticated balance sheet.

Bukdin tracks both what you have and where your money goes. By combining asset tracking with AI-powered cash flow analysis, you see how your spending directly impacts your FIRE timeline.

When Kubera Makes Sense

Heavy crypto/DeFi users: Kubera has the best crypto tracking in the industry, including NFTs, DeFi protocols, and wallet connections.
Complex entity structures: If you have multiple trusts, LLCs, or family office needs, Kubera's nested portfolios and granular access controls shine.
Estate planning priority: The "Dead Man's Switch" feature for passing access to beneficiaries is unique and well-executed.

When Bukdin Makes Sense

FIRE-focused individuals: If your goal is financial independence, you need to see how spending affects your timeline — not just track assets.
People who hate manual entry: Upload your bank statements and let AI categorize transactions. No tedious data entry.
Monthly review cadence: Bukdin is built for calm, monthly check-ins rather than daily portfolio anxiety.
Cash flow visibility: Most wealth trackers ignore the expense side. Bukdin treats income and expenses as first-class citizens.

Our Take

Kubera is a powerful tool for tracking complex, multi-entity wealth — especially if crypto is a major part of your portfolio. But if you're on the FIRE path and want to understand how your entire financial picture connects, Bukdin's unified approach gives you clarity that asset-only trackers can't match.

Pricing Comparison

Kubera starts at $249/year for their Essentials plan, with their Black tier at $2,499/year for advanced features like nested portfolios and VIP support.

Bukdin offers two tiers: €199/year for the core platform and €299/year for Bukdin Pro with AI Copilot and ChatGPT/Claude integration. Both include cash flow tracking and FIRE projections.

The Bottom Line

If you need enterprise-grade wealth tracking with estate planning and crypto depth, Kubera delivers. If you want a FIRE-focused dashboard that unifies assets and spending with AI-powered simplicity, Bukdin is built for you.

Bukdin vs Kubera

Feature Comparison