Savings goals

Create savings goals with a target amount and date, link them to accounts or contributions, and track progress without treating saved money as spending.

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

What this does

A goal has a name, target amount, optional target date, and a funding source: a linked account balance or tracked contributions.

Moving money into a goal account is a transfer, not spending. Investment growth in a linked account counts toward the goal balance as a valuation, not as income.

How to

Create a goal

1Personal → Plan → Goals → New goal.
2Enter name, target, and optional date.
3Link an account or choose tracked contributions.
4Save. Progress and the monthly amount needed appear.

Statuses and lifecycle

Status	Meaning
On track	Progress meets the pace needed for the date.
Behind	Below pace.
Reached	Target met.
Archived	Hidden; history kept.

Corrections, voids, and reversals

Edit target or date anytime; progress recalculates. Unlinking an account stops counting its balance.

Audit trail

Goal changes record who 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

Goals never create transactions; they read balances and contributions.

Common mistakes

Linking the same account to several goals and expecting each to get the full balance.

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.Net worth, assets, and liabilitiesAdd household assets and debts, update their values over time, and see a derived net worth that never double counts accounts, investments, and property.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.

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Last reviewed October 6, 2026