Pure Benchmarks · Head to head

Kubera vs Snowball Analytics

Short answer

Pick Kubera for non-market assets. Snowball Analytics has no capability here that Kubera lacks. They overlap on 2 of the 9 capabilities scored here. Neither one covers real investor peers, which is the gap our own product, Pure Benchmarks, is built around.

Kubera and Snowball Analytics get compared constantly because both sit in the portfolio benchmarking category and both start from your real holdings. They are not the same product. Kubera is the broadest asset coverage in the category, and the only other tool here that benchmarks you against real customers ($250 per year, or $2,500 per year for Black). Snowball Analytics is a dividend-focused tracker with a real free tier and public portfolios you can browse (Free plan, paid tiers above it). This page scores both on the same capability list, shows the 1 places they actually diverge, and names what neither of them does. Pure Benchmarks is our own product and appears in the table with its own gaps marked.

What Kubera does that Snowball Analytics does not

1 capability: Non-market assets. Tracks stocks, crypto, real estate and private equity in one balance sheet. Club benchmarks compare your allocations and performance against aggregated data from Kubera customers with similar net worths. That matters for people whose wealth sits across brokerages, real estate, private holdings and crypto rather than in one account.

What Snowball Analytics does that Kubera does not

Nothing, on the capabilities scored here. Every box Snowball Analytics ticks, Kubera ticks too. The difference between them on this page is price and fit rather than capability. A permanent free plan covers one portfolio and ten holdings with limited index benchmarking. Paid tiers were running a promotional discount on the date checked, so exact figures are not quoted here.

Where Kubera and Snowball Analytics are the same

Both cover Index benchmark; Multi-custodial. On these, the choice comes down to price and interface rather than capability. Price: Kubera — $250 per year, or $2,500 per year for Black; Snowball Analytics — free plan, paid tiers above it.

What neither Kubera nor Snowball Analytics does

6 capabilities are missing from both: Real investor peers; Risk-matched cohort; Decision scoring; Advisor tracking; Free real output; Budgeting. Pure Benchmarks, our own product, covers 5 of them: Real investor peers; Risk-matched cohort; Decision scoring; Advisor tracking; Free real output. It does not cover Budgeting.

Which one to choose

Kubera is built for people whose wealth sits across brokerages, real estate, private holdings and crypto rather than in one account. Snowball Analytics is built for dividend investors who want income projections and a look at how other people have built their portfolios. The capability table above is the fastest way to settle it: find the row you actually care about and read across. Main limitation of Kubera: the peer group is matched on net worth, not on portfolio risk, so allocation differences are not controlled for. Main limitation of Snowball Analytics: public portfolios are self-selected and self-reported, which is a different thing from a verified peer cohort.

How this comparison works

Which matters more to you: what Kubera does, or what Snowball Analytics does?

The first question is what each tool compares you against. Every tool here benchmarks against an index. Far fewer compare you against other real portfolios, and fewer still match that peer group on risk rather than on wealth.
The second question is whether anything is measured at the decision level. Portfolio return tells you the score; it does not tell you which of your changes produced it.
Free tiers are judged on whether they produce a real report on your real portfolio, not on whether a trial exists.
Capabilities were verified against each vendor's own published pages on the date shown. Vendors change features and pricing, and some do not publish a price at all; where that is the case it is marked rather than guessed.
Pure Benchmarks is our own product. The two things it does not do are listed in the same table as the seven it does, and the limitations section for it is the longest on the page.
Monarch Money, Quicken Simplifi and Seeking Alpha also sit near this category and are worth your own look; they are built primarily around budgeting, personal finance or research rather than portfolio benchmarking.

The comparison

Capabilities verified against each vendor's published pages on September 17, 2026.

Capability	Kubera	Snowball Analytics	Pure Benchmarks
Real investor peers	Partly	Partly	Yes
Risk-matched cohort	No	No	Yes
Index benchmark	Yes	Yes	Yes
Decision scoring	No	No	Yes
Advisor tracking	No	No	Yes
Multi-custodial	Yes	Yes	Yes
Free real output	No	Partly	Yes
Non-market assets	Yes	No	No
Budgeting	No	No	No
Price	$250 per year, or $2,500 per year for Black	Free plan, paid tiers above it	Free account

✓ yes · ~ partly · ✗ no

What each capability means

Compares your portfolio to other real investors, not only to an index

An index does not hold what you hold, did not pay what you paid, and never sold in March. Comparing yourself to other real portfolios answers a different question: whether people in your situation did better with the same market.

Peer group is matched on portfolio risk rather than net worth or self-selection

A conservative retiree and a leveraged tech portfolio can hold identical net worth and share nothing else. If the cohort is not matched on risk, the comparison flatters or punishes you for your allocation rather than your decisions.

Benchmarks the portfolio against a market index or a chosen fund

The baseline everyone expects. It tells you whether you beat the market, which is useful and also the only question most tools can answer.

Scores each individual portfolio change against the buy-and-hold portfolio you gave up

Portfolio-level return tells you the score. It does not tell you which of your own moves earned it. Attribution at the decision level is the difference between knowing you are down and knowing which change did it.

Shows whether an advisor or managed account added or cost value

If someone else is making the changes, the only fair review is the same one you would apply to yourself: did each change beat the portfolio it replaced, net of the fee.

Aggregates accounts held at more than one brokerage or custodian

Most people hold a 401(k) in one place and a brokerage in another. A benchmark run on one account in isolation measures a fragment.

Free tier produces a complete report rather than a countdown to payment

A 14-day trial is a sales window. You should be able to read the actual output on your actual portfolio before deciding whether the comparison is worth anything.

Tracks real estate, private holdings and self-custody crypto alongside securities

If a large share of your wealth sits outside a brokerage, a securities-only tool measures the visible half and calls it your portfolio.

Includes budgeting, cash-flow or spending tracking

Some people want one tool for spending and investing. Others want the investing side to stay uncluttered. Worth knowing which one you are buying.

Every tool in detail

Kubera

The broadest asset coverage in the category, and the only other tool here that benchmarks you against real customers.

Best for: People whose wealth sits across brokerages, real estate, private holdings and crypto rather than in one account.

Pricing: Kubera Essentials is listed at $250 per year and Kubera Black at $2,500 per year, after a 14-day trial. There is no permanent free tier.

Strengths

Tracks stocks, crypto, real estate and private equity in one balance sheet
Club benchmarks compare your allocations and performance against aggregated data from Kubera customers with similar net worths
Calculates IRR across assets, including committed capital, calls and distributions

Limitations

The peer group is matched on net worth, not on portfolio risk, so allocation differences are not controlled for
No scoring of individual portfolio changes
No permanent free tier, and the Black tier is the most expensive option on this page

Snowball Analytics

A dividend-focused tracker with a real free tier and public portfolios you can browse.

Best for: Dividend investors who want income projections and a look at how other people have built their portfolios.

Pricing: A permanent free plan covers one portfolio and ten holdings with limited index benchmarking. Paid tiers were running a promotional discount on the date checked, so exact figures are not quoted here.

Strengths

A permanent free plan rather than a countdown, including limited benchmarking against index funds
Strong dividend tracking, projections and filters
Public portfolios of other investors can be browsed on every tier

Limitations

Public portfolios are self-selected and self-reported, which is a different thing from a verified peer cohort
Benchmarking against any asset rather than index funds requires the higher tiers
No decision-level scoring and no advisor review

Pure Benchmarks

The only tool here that scores your individual portfolio changes and ranks you against real investors sorted by portfolio risk.

Best for: Investors who want to know whether their own decisions, or their advisor's, actually worked.

Pricing: A free account produces the full benchmark report on a linked portfolio. There is no trial countdown on the comparison itself.

Strengths

Sorts every connected portfolio into one of nine standardized risk categories, from 100 percent equity to 90 percent fixed income, and ranks you inside your own category
Decision Benchmark scores each change you made against the portfolio you would still hold if you had left it alone
Applies the same decision-level scoring to advisor-managed and workplace accounts
Read-only by design and unable to move money in any linked account

Limitations

Does not track real estate, private holdings or self-custody crypto wallets, so a portfolio weighted outside brokerages is only partly measured
No budgeting, cash-flow or spending tracking of any kind
Requires a read-only brokerage connection; there is no manual-entry-only portfolio
Peer ranking depends on the connected dataset, so a highly unusual allocation has a thinner cohort to sit in

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Frequently asked questions

What is the difference between Kubera and Snowball Analytics?

Kubera is the broadest asset coverage in the category, and the only other tool here that benchmarks you against real customers. Snowball Analytics is a dividend-focused tracker with a real free tier and public portfolios you can browse. On the capability list scored here they overlap on 2 and differ on 1, with Kubera alone covering Non-market assets.

Is Kubera or Snowball Analytics better value?

Kubera: $250 per year, or $2,500 per year for Black. Kubera Essentials is listed at $250 per year and Kubera Black at $2,500 per year, after a 14-day trial. There is no permanent free tier. Snowball Analytics: free plan, paid tiers above it. A permanent free plan covers one portfolio and ten holdings with limited index benchmarking. Paid tiers were running a promotional discount on the date checked, so exact figures are not quoted here. Value depends on which of the differing capabilities you will actually use, not on the headline price.

Can Kubera or Snowball Analytics compare my portfolio to other real investors?

Neither does. Both compare you against an index or a model allocation rather than against other real portfolios. That comparison is what Pure Benchmarks, our own product, is built to provide, by sorting connected portfolios into nine standardized risk categories and ranking inside them.

How were Kubera and Snowball Analytics compared?

Both were scored against the same portfolio benchmarking capability list, checked against each vendor's own published pages. Anything a vendor does not publish is marked as unlisted rather than estimated. Pure Benchmarks is included as our own product with its gaps shown in the same table.

Keep exploring

See how portfolios at a specific firm rank against real investors everywhere else:

New here? Read the portfolio benchmarking FAQ or the Pure Benchmarks blog.

This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.