Household budgets and spending plan

Set a monthly spending plan by category in Simple or Detailed mode, compare planned to actual spending, and see how transfers and refunds are treated.

Plans: Personal plans (prelaunch)
Availability: Rolling out in prelaunch
For: Personal
In KontoCore: Personal → Plan → Budget

In plain English

Decide how much you plan to spend in each area each month, then see how actual spending compares.

What this does

Simple mode uses a few broad groups (housing, everyday, transport, fun, saving). Detailed mode budgets each category. You can switch modes; detailed amounts roll up to groups.

Actuals come from reviewed household transactions. Transfers between your own accounts (checking to savings, bank to brokerage, card payments) are neither income nor spending. Refunds reduce spending in their category.

How to

Create a plan

1Open Personal → Plan → Budget.
2Choose Simple or Detailed.
3Enter a monthly amount per group or category (or start from last three months’ average).
4Save. Progress updates as transactions are reviewed.

Imports and sources

Imported spreadsheet rows and connected-account activity count toward actuals once reviewed. Duplicates removed during import are never counted twice.

Corrections, voids, and reversals

Recategorize a transaction and the budget updates. Changing a budget amount affects that month forward; past months keep their plan.

Audit trail

Budget changes record who changed them and when.

Availability and provider notes

Built – unverified: this workflow exists in the prelaunch product but has not yet completed human certification. Review results before relying on them.
KontoCore Personal and WealthKraft organize your own records. They do not give investment, tax, or financial advice and do not place trades or move money.

Permissions

Household owners and members with edit access can change records; view-only members and trusted helpers see only what their scope allows.

What happens in your books

Budgets are a plan only — they never create or change transactions.

Common mistakes

Categorizing a savings transfer as spending.
Budgeting a credit card payment instead of the purchases on the card.

Troubleshooting

Spending looks too high

A transfer or card payment is categorized as spending — mark it as a transfer.

Personal review queue and receiptsReview imported and incoming household items, confirm categories, resolve possible duplicates, and match receipts so each purchase is recorded once.Category rules and suggestions for household spendingCreate rules that suggest or apply categories to matching household transactions, review suggestions, and keep transfers out of spending automatically.Household cash-flow trendsSee household money in and money out by month, with transfers excluded and valuations kept separate, and drill into the transactions behind each figure.Savings goalsCreate savings goals with a target amount and date, link them to accounts or contributions, and track progress without treating saved money as spending.

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Last reviewed October 6, 2026