The core difference in one sentence
Kubera is a net worth tracker — it rolls up banks, brokerage, crypto, real estate, vehicles, and private assets into one balance sheet. Guardfolio is a portfolio risk monitor — it watches synced investable holdings for concentration, overlap, drift, drawdown, and volatility, then alerts you when a threshold is crossed.
Quick verdict
If your main need is a complete net worth picture across alternatives and manual assets, Kubera is the stronger tool. If your main need is "what portfolio risks are building across my brokerage accounts?" with overlap and concentration diagnostics, that is what Guardfolio was built for.
At a glance
- Sync-based risk monitoring across brokerage accounts
- Concentration, drift & ETF overlap alerts
- Drawdown & volatility limits with email/Telegram alerts
- Read-only sync across 30+ brokers
- Net worth aggregation across asset classes
- Manual tracking for real estate, vehicles, collectibles
- Crypto and bank account linking
- Family / shared wealth views
+ 30 more
Six risk dimensions Guardfolio watches
Kubera is strong for net worth aggregation. These are six structural risk dimensions Guardfolio monitors on synced holdings with threshold-based alerts after each broker sync.
1. Concentration
Single-holding exposure across accounts as a share of investable portfolio.
2. Allocation drift
Distance between actual allocation and your target mix.
3. ETF overlap
Look-through detection of the same underlying holdings across ETFs.
4. Drawdown
Peak-to-trough drawdown per holding and at portfolio level.
5. Volatility
Rolling volatility per holding and portfolio with band alerts.
6. Sector exposure
Sector weights with caps — catches tech or energy creep early.
See all six metrics on your own portfolio
Connect your accounts and Guardfolio surfaces concentration, ETF overlap, allocation drift, drawdown, volatility, and sector exposure after each sync. Start with a 7-day free trial.
Start Free Trial → 7-day free trial · Cancel anytime · Read-only broker accessFeature comparison
| Feature | Guardfolio | Kubera |
|---|---|---|
| Primary focus | Portfolio risk monitoring on synced holdings | Total net worth & balance-sheet tracking |
| Holdings overlap & concentration | ~ Not the main workflow | |
| Brokerage sync | ||
| Real estate & private assets | ||
| Proactive risk alerts | ||
| Allocation drift monitoring | ~ Allocation views, limited drift alerts | |
| ETF overlap detection | ||
| Drawdown & volatility alerts | ||
| Family / shared dashboards | ~ Single investor focus | |
| Free risk check (no signup) |
Pricing snapshot
What you pay vs what you get
| Plan | Price | Core value |
|---|---|---|
| Kubera | Paid subscription | Net worth dashboard, asset linking, shared views |
| Guardfolio Free | $0 | One-time risk snapshot: overlap, concentration, sector exposure |
| Guardian Pro | $29.99/mo ($20.99 annual) | Ongoing monitoring, alerts, multi-account sync |
| Guardian Elite | $59/mo ($41.30 annual) | 10 accounts & brokers, crypto, advanced metrics |
Pricing changes on third-party sites — confirm on official pages. Guardfolio offers a free risk snapshot with no signup.
Best for
Best for Guardfolio
- Investors who want alerts when concentration, overlap, or drift crosses a threshold
- Multi-brokerage ETF holders who need look-through overlap detection
- Self-directed investors who want guardrails, not a balance-sheet-only view
- Users who care about portfolio risk monitoring after each sync
Best for Kubera
- Households tracking net worth across banks, property, and alternatives
- Investors who manually log real estate, vehicles, or private deals
- Users who want one dashboard for total wealth, not brokerage risk depth
- Families sharing a consolidated balance sheet
Can you use both?
Yes. Kubera answers how much am I worth across everything I own? Guardfolio answers what risks are building in my investable portfolio? Many investors use a net worth tool for the balance sheet and a risk monitor for brokerage accounts.
If you already use Kubera for aggregation, adding Guardfolio gives you the risk layer Kubera does not prioritize: overlap, concentration, drift, and drawdown alerts on synced holdings.
Migration path
Adding Guardfolio alongside Kubera takes minutes:
- Step 1: Run a free risk snapshot (no signup required)
- Step 2: Connect brokerages via read-only API during the 7-day trial
- Step 3: Keep Kubera for its core workflow; let Guardfolio handle risk monitoring
Frequently asked questions
What is the difference between Guardfolio and Kubera?
Kubera aggregates net worth across banks, brokerage, crypto, real estate, and manual assets into one dashboard. Guardfolio monitors structural portfolio risk on investable holdings: concentration, ETF overlap, allocation drift, drawdown, and volatility, with threshold alerts after broker sync.
Is Kubera good for ETF overlap and concentration?
Kubera is strong for seeing total balances and asset classes. It is not built for look-through ETF overlap or concentration alerts at the holdings level. For that workflow, use Guardfolio's ETF overlap checker and risk monitor.
What is the best Kubera alternative for portfolio risk?
Guardfolio is designed for portfolio risk monitoring: overlap, concentration, drift, drawdown, and volatility with sync-based alerts. It complements net worth trackers rather than replacing them.
Can I use Guardfolio and Kubera together?
Yes. Keep Kubera for total net worth and manual assets. Connect brokerage accounts to Guardfolio for ongoing risk diagnostics and alerts on investable holdings.
Can I try Guardfolio before subscribing?
Yes. Run a free risk snapshot with no signup, or start a 7-day trial of paid monitoring features.
Kubera tracks net worth. Guardfolio monitors portfolio risk.
A balance sheet shows what you own. Guardfolio shows where concentration and overlap are building across brokerage accounts.
- Concentration & ETF overlap alerts after sync
- Drift, drawdown & volatility monitoring
- Read-only sync across 30+ brokers