Category rules and suggestions for household spending
Create rules that suggest or apply categories to matching household transactions, review suggestions, and keep transfers out of spending automatically.
- Plans
- Personal plans (prelaunch)
- Availability
- Rolling out in prelaunch
- For
- Personal
- In KontoCore
Personal → Review → Rules
Built – unverified (prelaunch). Human certification pending.
What this does
A rule matches description, merchant, amount, or account and suggests or applies a category, or marks the line as a transfer.
Suggestions appear in the review queue; nothing becomes trusted until reviewed unless you set the rule to apply automatically.
How to
Create a rule
- 1From a transaction choose Create rule, or open Personal → Review → Rules → New.
- 2Set conditions and the category (or Transfer).
- 3Choose Suggest or Apply automatically.
- 4Optionally apply to existing unreviewed transactions.
Imports and sources
- Rules run on new imported and connected activity. The original source text is kept so you can see why a rule matched.
Corrections, voids, and reversals
- Editing or deleting a rule affects future matches only. Already reviewed transactions keep their category unless you re-run the rule.
Audit trail
- Each categorization records whether a rule or a person set it.
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
Rules change categories only; amounts and dates never change.
Common mistakes
- Over-broad conditions (e.g. “AMAZON”) applying one category to many kinds of purchases.
Troubleshooting
Rule didn’t apply
Another rule matched first, or the transaction was already reviewed.
Related articles
Personal review queue and receiptsReview imported and incoming household items, confirm categories, resolve possible duplicates, and match receipts so each purchase is recorded once.Household budgets and spending planSet a monthly spending plan by category in Simple or Detailed mode, compare planned to actual spending, and see how transfers and refunds are treated.Bank rulesCreate rules that suggest a category, payee, class, or split for matching bank lines, and control whether suggestions wait for review or apply automatically.
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Last reviewed October 6, 2026