Indivia vs Kubera
Kubera is a net worth tracker for people with many kinds of assets. Indivia tracks net worth too, and follows Canadian rules for mortgages, registered accounts, cost base and rentals.
Where Kubera is ahead
- Kubera connects to banks, brokers and crypto wallets through many data providers (Plaid, MX, Yodlee, SnapTrade and others).
- Kubera can hand your records to a beneficiary.
- Kubera has a share percentage per asset, and ownership by entity on its top plan.
Feature by feature
Yes Partly No (the vendor or a review says so) Not documented
| Feature | Indivia | Kubera |
|---|---|---|
| Works offline, data in a file on your own computer | Yes | No |
| Data kept in Canada | Yes | Not documented |
| French interface | Yes | Not documented |
| Mortgages with Canadian semi-annual compounding | Yes | Not documented |
| Share of a property owned, with dated changes and company chains | Yes | Partly |
| Canadian adjusted cost base and superficial loss check | Yes | Not documented |
| TFSA, RRSP and FHSA contribution room | Yes | Not documented |
| Rental lines for CRA T776 and Québec TP-128 | Yes | Not documented |
| Tenants, units and leases | Yes | Not documented |
| Repairs kept apart from capital improvements | Yes | Not documented |
| Budget, net worth, stocks and real estate in one app | Yes | Partly |
| Free plan | Yes | No |
| Export lists to Excel and PDF | Yes | Partly |
| Everything you enter end-to-end encrypted on your device before sync | Yes | No |
| Import bank statements in PDF | Partly | Not documented |
Price per year
| Indivia Basic Connected | US$39 |
|---|---|
| Indivia Investor | US$99 |
| Indivia Real-Estate Investor | US$199 |
| Kubera Essentials | US$250 |
Which one to pick
Pick Kubera if you hold crypto and assets in many countries and want everything synced. Pick Indivia if you want Canadian mortgages, TFSA, RRSP and FHSA room, adjusted cost base, rental tax lines, a budget, French, or a lower price.
See Indivia’s plans The full comparison with seven apps
Checked against Kubera’s own pages on October 16, 2026. Tell us at support@indivia.app if something changed.