KontoCore Personal
Bring cash, bills, spreadsheets, receipts, assets, debts, investments, and financial documents into one household view—without needing to think like a bookkeeper.
Household
Personal finance for real life
From daily transactions to long-term wealth, keep the full household picture in focus.
Personal plans
Personal organizes everyday money and verified records. Personal Plus adds deeper check-ups, readiness, retirement context, and collaboration. Personal Wealth completes the picture with read-only WealthKraft portfolio visibility.
Personal
$5.99
per month
$59.99
per year
Save $11.89 compared with monthly billing
Personal Plus
$9.99
per month
$99.99
per year
Save $19.89 compared with monthly billing
Personal Wealth
$14.99
per month
$149.99
per year
Save $29.89 compared with monthly billing
Public launch-target pricing · Prelaunch early access
Built for real household finances
Personal turns household records into a clear view of what happened, what is recurring, what you own and owe, and what deserves attention.
Accounts, transactions, recurring income, bills, cash flow, budgets, savings goals, category rules, and CSV/XLSX export in plain household language — part of the current prelaunch build.
Cash, property, investments, retirement savings, and other assets less liabilities—brought into one derived net-worth view without double counting.
Read-only portfolio visibility connects manually entered holdings, activity, cost basis, gain/loss, income, and allocation (with XIRR/TWR where data supports it) to retirement and net-worth context — part of the prelaunch build. Live feeds require a provider.
Bring in real Excel (XLSX, including multi-sheet workbooks) or CSV records, preview and dedupe the result, and keep the original source explainable.
Keep receipts, statements, and tax documents with the financial activity they support.
Fact-based checks surface duplicates, missing expected income, transfer issues, document mismatches, and review work.
See recurring retirement income, reserves, obligations, savings types, distributions, and net-worth context.
Choose Simple View or Detailed View, with accessible text sizing and layouts designed for clarity.
Give a spouse, household member, trusted helper, or accountant separate access with explicit permissions.
Spreadsheet-first by design
Map your Excel or CSV columns, preview the result, and bring forward meticulous household history without starting over.
Confirm dates, descriptions, amounts, accounts, and categories before records become part of your household history.
Previously seen rows are recognized; changed rows are surfaced for review instead of silently rewriting history.
Duplicate checks help prevent the same activity from being counted again across files and later account data.
Imported records retain their source context and can later reconcile with account activity and receipts.
Linked sources
The current prelaunch experience manages connection records, last updates, errors, retries, staged activity, changed-record review, spreadsheet sources, and the document inbox. Disconnecting a source does not erase its history.
New or changed incoming records can wait for review before joining the household picture. Status, errors, and retry states remain visible instead of failing silently.
Browsers cannot monitor local Windows folders on their own. Local watch-folder automation requires the companion app.
Personal Financial Truth
The same purchase should not become two or three expenses merely because it appears in a spreadsheet, account record, and receipt.
Spreadsheet row
Account activity
Receipt or document
One verified household event
Movement between your own accounts—including bank-to-brokerage activity—is treated as a transfer where records support it, not as fake income or spending.
Changed or conflicting source information is surfaced so you can decide what is correct.
Checks look for duplicates, missing expected income, recurring changes, unmatched transfers or investment contributions and withdrawals, document mismatches, stale connections, and review backlogs.
Findings are fact-based and repeatable. AI is not the accounting authority.
Receipts and financial documents
Upload receipts, statements, and tax documents and attach them to the activity they support. Manual review and organization work without an extraction provider.
Automatic document reading and forwarded-document intake require compatible providers. KontoCore does not claim provider-backed OCR is live without that connection.
Keep purchase evidence close to the activity it explains.
Preserve financial statements for reference, review, and matching.
Organize factual tax-readiness records without claiming preparation or filing.
Review, organize, and match documents even without automatic extraction.
WealthKraft
WealthKraft is integrated with Personal as its read-only investment and portfolio layer. Enter balances and valuations manually today; live aggregation requires a compatible provider connection.
Household net worth
Illustrative composition
Cash & bank
$31,840
Investments
$273,200
Property & assets
$319,860
Less liabilities
−$138,580
When source data exists, WealthKraft can organize balances, holdings and positions, investment transactions, contributions, withdrawals and distributions, dividends, interest, fees, valuations, and cash transfers in or out.
Market-value movement remains a valuation—not household income or expense.
Bank-to-brokerage movement remains a transfer where the records support it.
Taxable and tax-advantaged assets stay distinguishable where records support it.
For retirees
Personal brings retirement activity into the household picture while clearly showing when information is missing instead of filling gaps with assumptions.
Track entered or imported Social Security, pension, and investment distribution amounts alongside recurring obligations.
See cash reserves, reserve-month context, and taxable versus tax-advantaged savings where records exist.
Review net-worth trends and factual portfolio visibility without turning valuations into advice.
Use a factual checklist and document organization. KontoCore does not prepare or file taxes.
Household collaboration
Each person uses a separate login with explicit permissions. Ending someone’s access does not erase the household history of what occurred.
Share the household picture with permissions that match how you manage money together.
Provide appropriate access without exposing every task or decision.
Support an aging parent or another household member through clearly scoped access.
Share the records and evidence needed for review without sharing a personal password.
Availability
The implemented experience includes manual entry, spreadsheet import, household organization, documents, Personal Financial Truth, derived net worth, retirement and readiness views, household access, linked-source review, and manual WealthKraft investment balances and valuations. Automatic external connections depend on compatible providers and are labeled accordingly. Public launch-target Personal pricing is now available for comparison; checkout and general availability are not represented as live.
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