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Loam vs Kubera
Kubera is a web-first net worth tracker for investors with many accounts, entities and currencies, priced accordingly. Loam covers the same everyday assets for an eighth of the cost, and puts your spending, budgets and runway right next to them.
Feature by feature
| Loam | Kubera | |
|---|---|---|
| Price | ||
| Price | $30 a year or $3 a month | Essentials $250 a year; Black $2,500 a year |
| Free trial | 30 days, no payment details needed | 14 days for $1 |
| Free plan | No, the trial is the free part | No |
| Ads | None | None |
| Privacy and your data | ||
| Account required | None, not even an email | Yes |
| Bank login | Never | Optional, through Plaid, Yodlee, MX, Finicity, Salt Edge and others |
| Where your data lives | On your phone, plus your own iCloud or Google device backup | Kubera’s servers on AWS in the US |
| AI and your finances | Never sees your finances. Only a bank text format Loam has never seen goes out, until Loam learns its pattern | Built-in AI uses Google Gemini; optional ChatGPT, Claude and other connectors |
| Analytics and tracking | None | Google Analytics, LogRocket and Sentry; email or device IDs shared with ad platforms outside the EU |
| App lock | Face ID, Touch ID or fingerprint | Face ID or fingerprint on mobile |
| Export | CSV or JSON | An API and a Markdown export |
| Getting transactions in | ||
| Bank sync | No, by design | Yes, thousands of banks and brokerages |
| Bank text messages | Yes, read on the phone. Automatic on Android; a Shortcut on iPhone | No |
| Manual entry | Yes | Yes, spreadsheet-style rows |
| Voice entry | Siri, without opening the app | Not advertised |
| Receipt scanning | No | No; AI import of statements and screenshots |
| Categorising | Merchant rules you set, suggested once you file a shop by hand twice | No; it tracks balances, not everyday spending |
| What it tracks | ||
| Credit cards | Yes, with statements and installment plans | As debts, synced or manual |
| Deposits and CDs | Yes: interest payouts, floating rates and maturity | As balances, synced or manual |
| Stocks and ETFs | Yes, with average cost and gain | Yes, live prices on major exchanges |
| Crypto | Yes, priced for you | Yes, exchanges, wallets, DeFi and NFTs |
| Gold and silver | Gold by karat and silver by fineness, priced off spot | Yes |
| Property | Yes | Yes, with price feeds for homes and cars |
| Loans and mortgages | Mortgages, loans and installment plans | Yes, synced or manual |
| Currencies | 80, and totals also readable in a steadier one, such as USD | Any currency |
| Planning | ||
| Budgets | Monthly category budgets, tagged needs or wants | No, not a budgeting app |
| Spending insights | Per category, five months back, with what to do | No; asset and allocation reports |
| Net worth over time | No; the forecast looks forward instead | Yes, daily to yearly recaps |
| Long-term forecast | 5, 10 or 20 years of your deposits and investments, with your own return per holding | Rule-based scenarios (Fast Forward) |
| Inflation-adjusted view | Consumer prices, monetary debasement and currency devaluation, filled in for you | Yes, an inflation rule in Fast Forward |
| Runway | Yes: months of your budget the assets you choose would cover | No; cash forecast instead |
| Savings goals | No goals; a monthly savings target and savings rate | Not advertised |
| Recurring charges | Spots monthly charges, their yearly cost and when one goes up | No |
| Everyday use | ||
| Apps | iPhone and Android | Web app you can install on a phone |
| Web app | No | Yes, web first |
| Sharing with a partner | No | Family and advisor access, read-only links |
| Notifications | None, ever | Stale-value reminders and beneficiary check-ins |
| Languages | English and Arabic | Not advertised |
| Where it works | Anywhere, with banks that text in English or Arabic | Worldwide; European bank links often sync cash accounts only |
Which should you pick?
| Kubera is stronger at | Loam is stronger at |
|---|---|
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Pick Kubera if you manage wealth across entities, need automatic aggregation from many institutions, or share access with advisors and family. Pick Loam if you want your net worth, spending and runway together at an everyday price.
More comparisons
Try Loam free for 30 days.
In beta now on iPhone and Android. No account, no bank login, no payment details for the trial. Then $30 a year or $3 a month.
Kubera details are taken from its own website and app store listings in September 2026 and may have changed since. Kubera is a trademark of its owner; Loam is not affiliated with it.