Delta vs Kubera: Which Portfolio Tracker Is Right for You?
Delta is a sleek multi-asset tracker for crypto and stocks. Kubera is a premium net worth platform for high-net-worth investors. We compare both — and explain why crypto-focused investors should consider a third option.
Quick Verdict
Crypto + stocks + ETFs in one app, with a free starting plan and a polished mobile experience.
Real estate, private equity, bank accounts, estate planning, and a beautiful annual wealth report.
500+ integrations, full DeFi/NFT tracking, free plan, and the highest-rated mobile app in the category.
Delta vs Kubera: The Core Difference
Delta and Kubera occupy different ends of the portfolio tracker spectrum. Delta is a mobile-first, multi-asset tracker designed for everyday investors who hold a mix of crypto, stocks, and ETFs. It has a free plan, a clean interface, and a strong mobile app — making it accessible to a broad range of users. Kubera, by contrast, is a premium net worth platform built for high-net-worth individuals who want to track every asset class in one place: crypto, stocks, real estate, bank accounts, private equity, vehicles, and collectibles.
The pricing gap reflects this positioning. Delta starts free and costs $53.88–$107.88/yr for serious users. Kubera starts at $249/yr with no free tier — a price point that only makes sense if you genuinely need its unique features: the beneficiary/estate planning tool, the Recap annual wealth report, the Fast Forward life planning projections, and connections to 20,000+ financial institutions worldwide.
Notably, neither Delta nor Kubera excels at pure crypto tracking. Both have limited DeFi support, and neither comes close to CoinStats' 500+ exchange integrations or full on-chain protocol coverage. If you're primarily a crypto investor, CoinStats is the better starting point — and it's free.
Feature Comparison
| Feature | Delta | Kubera |
|---|---|---|
| Free plan | ★Yes (10 assets only) | No (14-day money-back) |
| Starting paid price | ★$53.88/yr | $249/yr |
| Crypto tracking | Yes — exchanges + wallets | Yes — major exchanges |
| Stocks & ETFs | Yes | Yes |
| Real estate & property | No | ★Yes |
| Bank account sync | Yes (limited regions) | ★Yes (20,000+ institutions) |
| DeFi tracking | Limited | Limited |
| NFT tracking | ★Yes | No |
| Exchange integrations | ★300+ | Major exchanges only |
| Mobile app | ★Yes — 4.5/5 rated | Basic (web-first) |
| Estate planning / beneficiary | No | ★Yes (unique feature) |
| Life planning (Fast Forward) | No | ★Yes |
| Annual wealth report | No | ★Yes (Recap) |
| Tax report generation | No | No |
| AI features | ★PRO+ only | No |
★ = winner in this category. Tie = both tools perform similarly.
Pricing Breakdown
Delta Pricing
Kubera Pricing
Pricing verdict: Delta wins on affordability — a free plan exists, and paid plans start at $53.88/yr. Kubera's $249/yr entry price is only justified if you genuinely need its unique features (estate planning, real estate tracking, Recap report). For crypto-only investors, CoinStats offers more crypto-specific value for free than either Delta's free plan or Kubera's paid tier.
Who Should Use Each Tool?
Choose Delta if…
- You hold crypto AND stocks/ETFs in one portfolio
- You want a polished mobile-first experience
- You're on a budget and need a free starting point
- You track NFTs alongside traditional investments
- Pure crypto investors who need DeFi depth
- Investors with real estate or private equity
- Anyone needing estate planning features
Choose Kubera if…
- You have a complex multi-asset portfolio (real estate, private equity, bank accounts)
- You want estate planning and beneficiary features
- You need a beautiful annual wealth report (Recap)
- You want retirement and life planning projections
- Budget-conscious investors (no free plan, $249/yr minimum)
- Pure crypto investors who need DeFi/NFT depth
- Mobile-first users (Kubera is web-first)
If you're primarily a crypto investor, CoinStats outperforms both Delta and Kubera on the metrics that matter most: exchange integrations (500+ vs Delta's 300+), DeFi and NFT tracking depth, free plan generosity, and mobile app quality. CoinStats' free plan includes 10 portfolios, 20,000 transactions, and full DeFi/NFT tracking — more than Delta's free plan offers.
| Feature | Delta | Kubera | CoinStats ★ |
|---|---|---|---|
| Free plan | Yes (10 assets) | No | Yes (10 portfolios) |
| Starting paid price | $53.88/yr | $249/yr | $100/yr |
| Exchange integrations | 300+ | Major only | 500+ |
| DeFi tracking | Limited | Limited | Full |
| NFT tracking | Yes | No | Yes |
| Mobile app rating | 4.5/5 | Web-first | 4.8/5 ★ |
| AI features | PRO+ only | No | Premium ($100/yr) |
Our Verdict
A solid, affordable multi-asset tracker for investors who hold crypto alongside stocks and ETFs. The free plan is limited but functional. PRO ($53.88/yr) is the sweet spot for most users. Not the best choice for DeFi-heavy crypto portfolios.
The best net worth tracker for high-net-worth investors with complex multi-asset portfolios. The beneficiary feature, Recap report, and Fast Forward planning tool are genuinely unique. But at $249/yr with no free tier, it's only worth it if you have meaningful wealth across multiple asset classes.
If your portfolio is primarily crypto — whether you're tracking DeFi positions, NFTs, or just spot holdings across multiple exchanges — CoinStats is the better tool than either Delta or Kubera. It's free to start, has 500+ integrations, and offers the deepest on-chain tracking in the category. Delta and Kubera are excellent tools for their specific use cases, but neither was built with the crypto-first investor in mind the way CoinStats was.