Plans & Capabilities Guide
Business accounting and Personal household finance, with clear capability depth, WealthKraft packaging, provider boundaries, and prelaunch availability.
Version
October 6, 2026
Availability
Prelaunch capability guide
Publisher
An SFGOC Labs product
Business plans
Accounting correctness never changes by plan. Each organization includes a set number of users; moving up increases capability and included user capacity. Additional-user terms, if offered, will be confirmed before general availability.
Core
$29/mo
2 users included
Complete accounting
Complete books, banking, sales, purchasing, basic inventory and projects, tax readiness, reporting, workspace customization, mileage, and manual evidence workflows.
Autonomous
$59/mo
3 users included
Financial truth and controlled autonomy
Core plus Financial Truth, controlled autonomous bookkeeping, deep integrity scans, Intelligent Document Intake, connected automation, and smart mileage assistance.
Advanced
$99/mo
5 users included
Operational depth and stronger controls
Autonomous plus advanced inventory, projects, fixed assets, dimensions, approvals, analytics, APIs, multi-entity operations, and fleet controls.
Firm
$149+/mo
10 users included
A practice operating model
Advanced plus multi-client practice management, workpapers, staff operations, client health, readiness queues, and migration oversight.
Enterprise
Custom
Custom user capacity
Custom scale and governance
Advanced plus a quote-based contract overlay for higher scale, identity provisioning, custom policy, integrations, migration, support, and service levels.
Planned / Not yet available — in every plan
- Transaction-level / books multicurrency: Planned / Not yet available. Base-currency settings and FX or consolidation helpers do not provide multicurrency transaction posting or books.
- Customer and vendor portals: Planned / Not yet available. Customer/vendor records, sales forms, and member invitations are not external portal workflows.
- Native / mobile automatic mileage capture (background GPS): Planned / Not yet available; requires a future native mobile app. Manual trip entry and CSV import are current; suggestions and route rules do not capture trips automatically.
Personal pricing family
Household plans and WealthKraft
Public launch-target pricing for a separate household product family. Financial correctness does not weaken by plan; higher tiers add readiness, collaboration, retirement context, and read-only investment visibility.
Personal
$5.99per month
$59.99per year
Save $11.89 compared with monthly billing
Everyday household financial organization.
- • Household accounts, transactions, and manual entry
- • XLSX / CSV import with staged review
- • Recurring income, bills, spending, and cash flow
- • Receipts, documents, and basic net worth
- • Duplicate, transfer, evidence, and trust protections
- • Spouse or partner access with separate login
- • No ads
Personal Plus
$9.99per month
$99.99per year
Save $19.89 compared with monthly billing
Deeper household oversight, readiness, and collaboration.
- • Everything in Personal
- • Repeatable household financial check-ups
- • Advanced review and recurring-change detection
- • Tax-readiness and document-readiness workflows
- • Retirement overview and richer readiness context
- • Trusted-helper and accountant collaboration
- • Provider-backed live banking where connected
Personal Wealth
$14.99per month
$149.99per year
Save $29.89 compared with monthly billing
The complete Personal experience with WealthKraft.
- • Everything in Personal Plus
- • WealthKraft read-only portfolio visibility
- • Taxable, IRA, workplace, HSA, and 529 context
- • Holdings, balances, valuations, and activity where data exists
- • Taxable versus tax-advantaged context
- • Investments integrated into household net worth
- • Manual and imported values; live aggregation where connected
Personal capability comparison
Everyday money
| Capability | Personal | Personal Plus | Personal Wealth |
|---|---|---|---|
| Household accounts and transactions | Included | Included | Included |
| Manual entry | Included | Included | Included |
| XLSX / CSV staged import | Included | Included | Included |
| Recurring income and bills | Included | Included | Included |
| Spending and household cash flow | Included | Enhanced | Enhanced |
| Live bank aggregation | Provider connection required | Provider connection required | Provider connection required |
Household truth
| Capability | Personal | Personal Plus | Personal Wealth |
|---|---|---|---|
| Duplicate prevention | Included | Enhanced | Enhanced |
| Evidence linking | Included | Enhanced | Enhanced |
| Transfer-aware handling | Included | Enhanced | Enhanced |
| Review before records become trusted | Included | Enhanced | Enhanced |
| Advanced review and recurring-change detection | Not included | Enhanced | Enhanced |
| Repeatable household financial check-ups | Not included | Enhanced | Enhanced |
Documents & tax readiness
| Capability | Personal | Personal Plus | Personal Wealth |
|---|---|---|---|
| Receipt and document storage | Included | Included | Included |
| Manual evidence matching | Included | Enhanced | Enhanced |
| Document-readiness workflows | Not included | Enhanced | Enhanced |
| Tax-readiness organization | Not included | Enhanced | Enhanced |
| Automatic document extraction | Provider connection required | Provider connection required | Provider connection required |
Net worth & retirement
| Capability | Personal | Personal Plus | Personal Wealth |
|---|---|---|---|
| Manual assets and liabilities | Included | Included | Included |
| Derived household net worth | Included | Enhanced | Enhanced |
| Retirement overview | Not included | Enhanced | Wealth tier |
| Taxable and tax-advantaged context | Not included | Enhanced | Wealth tier |
Collaboration
| Capability | Personal | Personal Plus | Personal Wealth |
|---|---|---|---|
| Spouse or partner household access | Included | Included | Included |
| Separate, explicit, revocable logins | Included | Included | Included |
| Trusted-helper collaboration | Not included | Enhanced | Enhanced |
| Accountant or tax-professional collaboration | Not included | Enhanced | Enhanced |
| Scoped access | Included | Enhanced | Enhanced |
WealthKraft
| Capability | Personal | Personal Plus | Personal Wealth |
|---|---|---|---|
| Manual investment account values | Not included | Not included | Wealth tier |
| Balances and valuations | Not included | Not included | Wealth tier |
| Holdings and positions where source data exists | Not included | Not included | Wealth tier |
| Contributions, withdrawals, and distributions | Not included | Not included | Wealth tier |
| Dividends, interest, and fees | Not included | Not included | Wealth tier |
| Cost basis, gain/loss, and allocation views | Not included | Not included | Wealth tier |
| XIRR / time-weighted return where data supports it | Not included | Not included | Wealth tier |
| Investment and retirement net-worth integration | Not included | Not included | Wealth tier |
| Live brokerage and investment aggregation | Not included | Not included | Provider connection required |
WealthKraft included with Personal Wealth
Read-only; no trade execution · No investment advice · Market-value movement is a valuation, not bookkeeping income or expense · Bank-to-brokerage movement remains a transfer where records support it · Live aggregation requires a compatible provider connection
Live bank and brokerage aggregation and automatic document extraction require compatible provider connections. Provider availability and any pass-through cost will be disclosed before activation.
Status definitions
Available in current prelaunch build
Implemented in the current prelaunch product; this is not a public-GA claim.
Included
Implemented capability included in the plan; not a promise of an unbuilt workflow.
Enhanced
More depth, control, capacity, or workflow than the base form.
Full
The flagship or complete form of this capability for that plan.
Optional industry capability
Industry depth packaged separately where applicable.
Provider connection required
An external data, delivery, payment, identity, filing, scanning, or extraction service must be connected.
Planned / Not yet implemented
Not yet implemented or available; not included in a sellable plan entitlement.
Enterprise scoped / Custom
Scoped through an Enterprise implementation and commercial agreement.
—
Not included in this plan.
Complete capability matrix
Every row below comes from the same capability dataset used by the online comparison.
| Plan fact | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Included users | 2 users included | 3 users included | 5 users included | 10 users included | Custom user capacity |
Accounting core
Complete double-entry accounting with the same correctness standard across every paid tier.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Double-entry general ledger | Included | Included | Included | Included | Included |
| Chart of accounts | Included | Included | Included | Included | Included |
| Journal entries | Included | Included | Included | Included | Included |
| Balanced-entry enforcement | Included | Included | Included | Included | Included |
| Ledger detail and drill-down | Included | Included | Included | Included | Included |
| Opening balances | Included | Included | Included | Included | Included |
| Fiscal periods and soft close | Included | Included | Included | Included | Included |
| Closed-period protection | Included | Included | Included | Included | Included |
| Permissioned reopen with reason | Included | Included | Included | Included | Included |
| Auditable corrections and reversals | Included | Included | Included | Included | Included |
| Cash and accrual reporting | Included | Included | Included | Included | Included |
| Immutable financial audit history | Included | Included | Included | Included | Included |
| Accountant access | Included | Included | Included | Included | Included |
| Accounting correctness identical across tiers | Included | Included | Included | Included | Included |
| Base-currency settings | Included | Included | Included | Included | Included |
| Transaction-level / books multicurrencyPlanned / Not yet available. Base-currency settings and FX or consolidation helpers do not provide multicurrency transaction posting or books. | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented |
Banking & reconciliation
Bring in activity, prevent duplicates, match confidently, and preserve reconstructible reconciliations.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Bank, card, and cash accounts | Included | Included | Included | Included | Included |
| Manual transactions | Included | Included | Included | Included | Included |
| CSV import with preview and mapping | Included | Included | Included | Included | Included |
| Idempotent imports | Included | Included | Included | Included | Included |
| Duplicate and conflict detection | Included | Included | Included | Included | Included |
| Categorization and split categorization | Included | Included | Included | Included | Included |
| Matching without double posting | Included | Included | Included | Included | Included |
| Bank rules | Included | Included | Included | Included | Included |
| Transfer pairing | Included | Included | Included | Included | Included |
| Reconciliation sessions | Included | Included | Included | Included | Included |
| Outstanding checks and deposits in transit | Included | Included | Included | Included | Included |
| Reconstructible reconciliation history | Included | Included | Included | Included | Included |
| Banking integrity findings | Included | Included | Included | Included | Included |
| Live automatic bank feeds | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
Workspace, onboarding & sales forms
A customizable everyday workspace and professional customer-facing forms begin in Core; AI assistance begins in Autonomous.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Guided onboarding | Included | Included | Included | Included | Included |
| Organization branding | Included | Included | Included | Included | Included |
| Professional estimate and invoice templates | Included | Included | Included | Included | Included |
| Manual visual sales-form designer | Included | Included | Included | Included | Included |
| Customizable sidebar navigation | Included | Included | Included | Included | Included |
| Workflow-oriented Home | Included | Included | Included | Included | Included |
| Customizable financial Snapshot | Included | Included | Included | Included | Included |
| Favorites and quick actions | Included | Included | Included | Included | Included |
| User profile and presence | Included | Included | Included | Included | Included |
| Invitation queue and membership administration | Included | Included | Included | Included | Included |
| Customer and vendor portalsPlanned / Not yet available. Customer/vendor records, sales forms, and member invitations are not external portal workflows. | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented |
| AI-assisted sales-form design | — | Full | Full | Full | Full |
Sales & accounts receivable
Control the path from estimate through collection and AR reconciliation.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Customers | Included | Included | Included | Included | Included |
| Estimates with accept / decline | Included | Included | Included | Included | Included |
| Estimate-to-invoice conversion | Included | Included | Included | Included | Included |
| Invoices and line items | Included | Included | Included | Included | Included |
| Recurring invoicing | Included | Included | Included | Included | Included |
| Payments and payment applications | Included | Included | Included | Included | Included |
| Credit memos | Included | Included | Included | Included | Included |
| Void and reversal workflow | Included | Included | Included | Included | Included |
| AR aging | Included | Included | Included | Included | Included |
| AR control-account reconciliation | Included | Included | Included | Included | Included |
| Customer and project profitability | Included | Included | Included | Included | Included |
| Invoice email and reminders | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| Card / ACH acceptance | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
Expenses, payables & purchasing
Manage vendor obligations, purchasing, contractor readiness, and AP control.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Vendors | Included | Included | Included | Included | Included |
| Bills and expenses | Included | Included | Included | Included | Included |
| Vendor credits | Included | Included | Included | Included | Included |
| Vendor payments | Included | Included | Included | Included | Included |
| Purchase orders | Included | Included | Included | Included | Included |
| PO receiving | Included | Included | Included | Included | Included |
| PO-to-bill workflow | Included | Included | Included | Included | Included |
| Recurring bills and expenses | Included | Included | Included | Included | Included |
| AP aging | Included | Included | Included | Included | Included |
| AP control-account reconciliation | Included | Included | Included | Included | Included |
| W-9 status and 1099 readiness | Included | Included | Included | Included | Included |
| Billable vendor expenses | Included | Included | Included | Included | Included |
| Payroll import staging | Included | Included | Included | Included | Included |
| Employee directory | Included | Included | Included | Included | Included |
| Manual payroll import and W-2 readiness | Included | Included | Included | Included | Included |
| Connected payroll synchronization and monitoring | — | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| Payroll calculation and payment railsKontoCore does not provide native payroll calculation or payment rails. | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
Documents, evidence & Intelligent Document Intake
Manual evidence is in Core. Autonomous adds a governed paperless intake workflow.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Manual upload and drag-drop | Included | Included | Included | Included | Included |
| Private financial document handling | Included | Included | Included | Included | Included |
| Receipts, invoices, and supporting evidence | Included | Included | Included | Included | Included |
| Content fingerprints | Included | Included | Included | Included | Included |
| Evidence links and requests | Included | Included | Included | Included | Included |
| Review history | Included | Included | Included | Included | Included |
| Retention and deletion controls | Included | Included | Included | Included | Included |
| Intake Inbox | — | Full | Full | Full | Full |
| Mobile and photo intake path | — | Full | Full | Full | Full |
| Multi-page PDF and image intake | — | Full | Full | Full | Full |
| Classification: bill/invoice, vendor credit, receipt/expense, statement, PO/contract, W-9/tax, and other evidence | — | Full | Full | Full | Full |
| Vendor, customer, PO, and job matching | — | Full | Full | Full | Full |
| Header and line-item extraction workflow | — | Full | Full | Full | Full |
| Job / Extra / Phase / Cost Code / Cost Type / Equipment attribution where supported | — | Full | Full | Full | Full |
| File-fingerprint and accounting-aware duplicate detection | — | Full | Full | Full | Full |
| Field-level and overall confidence | — | Full | Full | Full | Full |
| Review, edit, approve, reject, and reprocess | — | Full | Full | Full | Full |
| Original-document provenance and evidence linkage | — | Full | Full | Full | Full |
| Policy-controlled drafts or execution | — | Full | Full | Full | Full |
| Uncertain and novel items routed to review | — | Full | Full | Full | Full |
| Approved actions use normal accounting controls; AI never writes financial tables directly | — | Full | Full | Full | Full |
| OCR / vision service | — | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| Inbound email / scan-to-email | — | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| Watched-folder / desktop scanner bridgeLocal TWAIN/WIA/network scanners use a bridge; universal browser scanner control is not claimed. | — | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| Compatible MFP / scanner APIs | — | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| Automated malware scanning | — | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
Projects & job costing
Basic projects and time begin in Core; Advanced adds deeper project controls and optional industry operations.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Projects and jobs | Included | Included | Included | Included | Included |
| Status, time entries, and billable expenses | Included | Included | Included | Included | Included |
| Project and customer profitability | Included | Included | Included | Included | Included |
| Advanced project budgets, revisions, and actual versus budget | — | — | Enhanced | Enhanced | Enhanced |
| Advanced employee costing and allocation | — | — | Enhanced | Enhanced | Enhanced |
| Job → Extra → Phase → Cost Code → Cost TypeAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Organization-wide hierarchical / segmented cost-code librariesAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Configurable cost typesAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Original and revised estimatesAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Forecast, EAC, and ETCAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Labor distribution by employee, date, job, extra, phase, cost code, and cost typeAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Labor hours, pay type, class, and burden allocationAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Payroll import stagingAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Job-cost corrections and reclassifications with provenanceAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
| Production units and productivityAvailable in the current prelaunch build as optional industry capability. | — | — | Enhanced | Enhanced | Enhanced |
Mileage & fleet
Manual mileage records begin in Core, smart review begins in Autonomous, and fleet reimbursement controls begin in Advanced.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Vehicle records | Included | Included | Included | Included | Included |
| Manual trip entry | Included | Included | Included | Included | Included |
| Mileage CSV import | Included | Included | Included | Included | Included |
| Business, personal, and commuting classification | Included | Included | Included | Included | Included |
| Business purpose documentation | Included | Included | Included | Included | Included |
| Project and customer linkage | Included | Included | Included | Included | Included |
| Effective-date IRS mileage-rate application | Included | Included | Included | Included | Included |
| Mileage review queue and bulk classification | Included | Included | Included | Included | Included |
| Native / mobile automatic mileage capture (background GPS)Planned / Not yet available; requires a future native mobile app. Manual trip entry and CSV import are current; suggestions and route rules do not capture trips automatically. | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented | Planned / Not yet implemented |
| Smart mileage classification suggestions | — | Full | Full | Full | Full |
| Approved repeated-route rules | — | Full | Full | Full | Full |
| Project and customer destination suggestions | — | Full | Full | Full | Full |
| Automated mileage review prioritization | — | Full | Full | Full | Full |
| Employee mileage submissions | — | — | Enhanced | Enhanced | Enhanced |
| Mileage approval workflow | — | — | Enhanced | Enhanced | Enhanced |
| Reimbursement policy controls | — | — | Enhanced | Enhanced | Enhanced |
| Company reimbursement rate separate from IRS rate | — | — | Enhanced | Enhanced | Enhanced |
| Fleet and driver administration | — | — | Enhanced | Enhanced | Enhanced |
| Vehicle, fixed-asset, and equipment linkage | — | — | Enhanced | Enhanced | Enhanced |
| Actual-expense method support | — | — | Enhanced | Enhanced | Enhanced |
Equipment operations
Optional industry depth for usage, cost, recovery, profitability, and evidence.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Equipment master: unit, make, model, year, serial/VIN/asset tag | — | — | Enhanced | Enhanced | Enhanced |
| Owned, rented, and leased status | — | — | Enhanced | Enhanced | Enhanced |
| Acquisition / rental information, location, and meter readings | — | — | Enhanced | Enhanced | Enhanced |
| Fixed-asset link for owned equipment | — | — | Enhanced | Enhanced | Enhanced |
| Internal cost and bill rates | — | — | Enhanced | Enhanced | Enhanced |
| Fuel, repair, maintenance, parts, insurance, rental, and ownership cost categories | — | — | Enhanced | Enhanced | Enhanced |
| Usage by operator, date, job, extra, phase, and cost code | — | — | Enhanced | Enhanced | Enhanced |
| Separate labor and equipment usage costs | — | — | Enhanced | Enhanced | Enhanced |
| Recovery and profitability | — | — | Enhanced | Enhanced | Enhanced |
| Evidence links and rented-equipment AP allocation | — | — | Enhanced | Enhanced | Enhanced |
| Telematics and fuel-card feeds | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
Construction contracts, billing & WIP
Optional Construction & Trades depth available in the current prelaunch build.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Prime contracts and original / revised amount | — | — | Enhanced | Enhanced | Enhanced |
| Schedule of Values and cost-code mapping | — | — | Enhanced | Enhanced | Enhanced |
| Owner change requests / orders with controlled states | — | — | Enhanced | Enhanced | Enhanced |
| Job Extras | — | — | Enhanced | Enhanced | Enhanced |
| Commitments, subcontracts, and purchase commitments | — | — | Enhanced | Enhanced | Enhanced |
| Commitment change orders and remaining commitment | — | — | Enhanced | Enhanced | Enhanced |
| Retainage AR and AP | — | — | Enhanced | Enhanced | Enhanced |
| Controlled job close | — | — | Enhanced | Enhanced | Enhanced |
| T&M, cost-plus, and unit-price billing | — | — | Enhanced | Enhanced | Enhanced |
| Approved unbilled labor and equipment sources | — | — | Enhanced | Enhanced | Enhanced |
| Effective-dated labor and equipment rates | — | — | Enhanced | Enhanced | Enhanced |
| Markup tables and contract billing rules | — | — | Enhanced | Enhanced | Enhanced |
| Source billed-to-date controls | — | — | Enhanced | Enhanced | Enhanced |
| Progress / AIA-style billing | — | — | Enhanced | Enhanced | Enhanced |
| SOV prior/current billing and stored materials where supported | — | — | Enhanced | Enhanced | Enhanced |
| WIP and percent complete | — | — | Enhanced | Enhanced | Enhanced |
| Earned revenue, EAC / ETC, gross profit, and over/under billing | — | — | Enhanced | Enhanced | Enhanced |
| Construction report pack | — | — | Enhanced | Enhanced | Enhanced |
| Deterministic construction integrity checks | — | — | Enhanced | Enhanced | Enhanced |
| Resumable heavy background jobs | — | — | Enhanced | Enhanced | Enhanced |
Inventory & purchasing
Controlled stock movement, costing, receiving, matching, and reconciliation—without claiming MRP.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Items, products, and services | Included | Included | Included | Included | Included |
| Basic inventory tracking and COGS | Included | Included | Included | Included | Included |
| Advanced SKU and inventory controls | — | — | Enhanced | Enhanced | Enhanced |
| Warehouses and locations | — | — | Enhanced | Enhanced | Enhanced |
| Immutable stock movements | — | — | Enhanced | Enhanced | Enhanced |
| Weighted-average, FIFO, and specific costing | — | — | Enhanced | Enhanced | Enhanced |
| PO receiving | — | — | Enhanced | Enhanced | Enhanced |
| Three-way matching and tolerances | — | — | Enhanced | Enhanced | Enhanced |
| Counts | — | — | Enhanced | Enhanced | Enhanced |
| Quantity and revaluation adjustments | — | — | Enhanced | Enhanced | Enhanced |
| Transfers | — | — | Enhanced | Enhanced | Enhanced |
| Lots and serials | — | — | Enhanced | Enhanced | Enhanced |
| Assemblies | — | — | Enhanced | Enhanced | Enhanced |
| Deterministic landed cost | — | — | Enhanced | Enhanced | Enhanced |
| Job material issues and returns | — | — | Enhanced | Enhanced | Enhanced |
| Sales issues and COGS | — | — | Enhanced | Enhanced | Enhanced |
| Staged imports | — | — | Enhanced | Enhanced | Enhanced |
| Inventory valuation and control reconciliation | — | — | Enhanced | Enhanced | Enhanced |
Fixed assets
A controlled asset subledger with book/tax schedules and equipment relationships.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Asset register and categories | — | — | Enhanced | Enhanced | Enhanced |
| Capitalization from bills and journal entries | — | — | Enhanced | Enhanced | Enhanced |
| Components and improvements | — | — | Enhanced | Enhanced | Enhanced |
| Book and tax-basis schedules | — | — | Enhanced | Enhanced | Enhanced |
| Depreciation | — | — | Enhanced | Enhanced | Enhanced |
| Impairment and write-down workflow | — | — | Enhanced | Enhanced | Enhanced |
| Full and partial disposals | — | — | Enhanced | Enhanced | Enhanced |
| Gain / loss | — | — | Enhanced | Enhanced | Enhanced |
| Dimensional transfers | — | — | Enhanced | Enhanced | Enhanced |
| Opening asset migration | — | — | Enhanced | Enhanced | Enhanced |
| Subledger-to-GL controls | — | — | Enhanced | Enhanced | Enhanced |
| Owned-equipment fixed-asset linkage | — | — | Enhanced | Enhanced | Enhanced |
| Ownership / depreciation allocation without duplicate GL posting | — | — | Enhanced | Enhanced | Enhanced |
Tax operations & contractor readiness
Accounting controls and export readiness—not tax advice, native payroll tax calculation, or bundled filing.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Versioned effective-dated reviewed tax-rule registry | Included | Included | Included | Included | Included |
| Source freshness monitoring | Included | Included | Included | Included | Included |
| Historical tax-rule snapshots | Included | Included | Included | Included | Included |
| Sales-tax jurisdiction and rate-component logic | Included | Included | Included | Included | Included |
| Taxability and sourcing workflow | Included | Included | Included | Included | Included |
| Sales-tax liability and filing-period worksheets | Included | Included | Included | Included | Included |
| 1099 readiness from posted payments | Included | Included | Included | Included | Included |
| W-9 readiness boundary | Included | Included | Included | Included | Included |
| Backup withholding support | Included | Included | Included | Included | Included |
| Tax-year-specific generation and export packages | Included | Included | Included | Included | Included |
| Payroll-provider and W-2 validation | Included | Included | Included | Included | Included |
| SSA specification-version readiness | Included | Included | Included | Included | Included |
| Live rate feeds | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| Tax e-file and e-delivery | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| Payroll-provider connection | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
Reporting & analytics
Current financial and operational reporting with traceable drill-down and control totals.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Profit & Loss | Included | Included | Enhanced | Enhanced | Enhanced |
| Balance Sheet | Included | Included | Enhanced | Enhanced | Enhanced |
| Trial Balance | Included | Included | Enhanced | Enhanced | Enhanced |
| General Ledger | Included | Included | Enhanced | Enhanced | Enhanced |
| Indirect Cash Flow | Included | Included | Enhanced | Enhanced | Enhanced |
| Deterministic cash basis where supported | Included | Included | Enhanced | Enhanced | Enhanced |
| Comparative periods | Included | Included | Enhanced | Enhanced | Enhanced |
| AR / AP | Included | Included | Enhanced | Enhanced | Enhanced |
| Banking and reconciliation | Included | Included | Enhanced | Enhanced | Enhanced |
| Inventory | Included | Included | Enhanced | Enhanced | Enhanced |
| Fixed assets | Included | Included | Enhanced | Enhanced | Enhanced |
| Tax | Included | Included | Enhanced | Enhanced | Enhanced |
| Projects and job cost | Included | Included | Enhanced | Enhanced | Enhanced |
| Construction and WIP | Included | Included | Enhanced | Enhanced | Enhanced |
| Equipment | Included | Included | Enhanced | Enhanced | Enhanced |
| Saved report definitions and packs | Included | Included | Enhanced | Enhanced | Enhanced |
| Whitelisted custom report builder | Included | Included | Enhanced | Enhanced | Enhanced |
| Drill-down and provenance | Included | Included | Enhanced | Enhanced | Enhanced |
| CSV exports and control totals | Included | Included | Enhanced | Enhanced | Enhanced |
| Entity, elimination, and consolidated reportingConsolidation and any FX helpers do not provide transaction-level multicurrency books; those remain Planned / Not yet available. | — | — | Enhanced | Enhanced | Enhanced |
Advanced operations & governance
Advanced adds complex operating models and controls; Firm and Enterprise then branch for different buyers.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Advanced budgets and scenario control | — | — | Enhanced | Enhanced | Enhanced |
| Revenue recognition | — | — | Enhanced | Enhanced | Enhanced |
| Dimensions and allocation rules | — | — | Enhanced | Enhanced | Enhanced |
| Custom fields | — | — | Enhanced | Enhanced | Enhanced |
| Custom analytics | — | — | Enhanced | Enhanced | Enhanced |
| Multiple legal entities | — | — | Enhanced | Enhanced | Enhanced |
| Intercompany workflows and reconciliation | — | — | Enhanced | Enhanced | Enhanced |
| Consolidation groups and eliminations | — | — | Enhanced | Enhanced | Enhanced |
| Advanced approvals and custom roles | — | — | Enhanced | Enhanced | Enhanced |
| Full API and signed webhook access | — | — | Enhanced | Enhanced | Enhanced |
Financial Truth Engine
Deterministic integrity remains active without AI; Autonomous adds the full governed intelligence layer.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Deterministic checks with AI optional | Included | Full | Full | Full | Full |
| Books Health and Financial Truth Confidence | Included | Full | Full | Full | Full |
| Evidence coverage | Included | Full | Full | Full | Full |
| Anomaly detection | Included | Full | Full | Full | Full |
| Nightly and event-driven checks where configured | Included | Full | Full | Full | Full |
| Weekly deep Financial Integrity Scan | — | Full | Full | Full | Full |
| Root-cause analysis | — | Full | Full | Full | Full |
| Findings with confidence, rationale, and evidence | — | Full | Full | Full | Full |
| Evidence requests | — | Full | Full | Full | Full |
| Month-end readiness | — | Full | Full | Full | Full |
| Historical Restore: Mirror → Verify → Audit → Restore | — | Full | Full | Full | Full |
| Policy and authority controls | — | Full | Full | Full | Full |
| Controlled categorization and corrections | — | Full | Full | Full | Full |
| Immutable Intelligence activity ledger | — | Full | Full | Full | Full |
| AI provider budget and cost controls | — | Full | Full | Full | Full |
| Deterministic-only fallback | — | Full | Full | Full | Full |
| Closed historical tax periods never silently rewritten | — | Full | Full | Full | Full |
| AI never writes financial tables directly | — | Full | Full | Full | Full |
| Controlled autonomous bookkeeping | — | Full | Full | Full | Full |
| Recurring data-quality scans | — | Full | Full | Full | Full |
Migration & Historical Restore
Stage, prove, and control migration before historical cleanup begins.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Start new or migrate | Included | Included | Included | Included | Included |
| CSV / XLSX fallback | Included | Included | Included | Included | Included |
| Staged import, mapping, normalization, validation, and deduplication | Included | Included | Included | Included | Included |
| Preview and controlled posting | Included | Included | Included | Included | Included |
| Trial Balance / Balance Sheet verification | Included | Included | Included | Included | Included |
| AR / AP and aging verification | Included | Included | Included | Included | Included |
| Bank / card and equity verification | Included | Included | Included | Included | Included |
| Custom control totals | Included | Included | Included | Included | Included |
| Historical Restore only after a verified mirror | Included | Included | Included | Included | Included |
| Direct QuickBooks Online migrationIncluded in Core packaging when the Intuit connector is configured; provider availability is not an upgrade requirement. | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
| QuickBooks Online / Desktop file migrationGuided file migration is available in the current prelaunch build; direct APIs require provider access where used. | Available in current prelaunch build | Available in current prelaunch build | Enhanced | Enhanced | Enhanced |
| Sage 50Guided file migration is available in the current prelaunch build; direct APIs require provider access where used. | Available in current prelaunch build | Available in current prelaunch build | Enhanced | Enhanced | Enhanced |
| Sage 300 CRE / TimberlineGuided file migration is available in the current prelaunch build; direct APIs require provider access where used. | Available in current prelaunch build | Available in current prelaunch build | Enhanced | Enhanced | Enhanced |
| XeroGuided file migration is available in the current prelaunch build; direct APIs require provider access where used. | Available in current prelaunch build | Available in current prelaunch build | Enhanced | Enhanced | Enhanced |
| Zoho BooksGuided file migration is available in the current prelaunch build; direct APIs require provider access where used. | Available in current prelaunch build | Available in current prelaunch build | Enhanced | Enhanced | Enhanced |
| FreshBooksGuided file migration is available in the current prelaunch build; direct APIs require provider access where used. | Available in current prelaunch build | Available in current prelaunch build | Enhanced | Enhanced | Enhanced |
| WaveGuided file migration is available in the current prelaunch build; direct APIs require provider access where used. | Available in current prelaunch build | Available in current prelaunch build | Enhanced | Enhanced | Enhanced |
| Other custom sourcesGuided file migration is available in the current prelaunch build; direct APIs require provider access where used. | Available in current prelaunch build | Available in current prelaunch build | Enhanced | Enhanced | Enhanced |
Security & administration
Access, accountability, and recovery controls designed toward SOC 2 readiness—not represented as certified.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Organization isolation | Included | Included | Included | Included | Included |
| Multiple users and memberships | Included | Included | Included | Included | Included |
| Role-based least privilege | Included | Included | Included | Included | Included |
| MFA / TOTP and organization MFA policy | Included | Included | Included | Included | Included |
| Immutable audit events | Included | Included | Included | Included | Included |
| Period locks | Included | Included | Included | Included | Included |
| Private document controls | Included | Included | Included | Included | Included |
| Backup and point-in-time recovery capabilities | Included | Included | Included | Included | Included |
| Retention and deletion controls | Included | Included | Included | Included | Included |
| Custom roles and granular permissions | — | — | Enhanced | Enhanced | Enhanced |
| Approvals and segregation of duties | — | — | Enhanced | Enhanced | Enhanced |
| Approval queue | — | — | Enhanced | Enhanced | Enhanced |
| Sensitive-action reauthentication | — | — | Enhanced | Enhanced | Enhanced |
| Session and device controls | — | — | Enhanced | Enhanced | Enhanced |
| Access reviews | — | — | Enhanced | Enhanced | Enhanced |
| API-key hashing and scopes | — | — | Enhanced | Enhanced | Enhanced |
| Signed webhooks and replay protection | — | — | Enhanced | Enhanced | Enhanced |
| Background-job idempotency | — | — | Enhanced | Enhanced | Enhanced |
| Safe bulk actions | — | — | Enhanced | Enhanced | Enhanced |
| Retention and legal-hold foundation | — | — | Enhanced | Enhanced | Enhanced |
| Enterprise SSO / identity provider | — | — | — | — | Provider connection required |
| Designed toward SOC 2-aligned controls / readinessNo certification or completed audit is claimed. | Included | Included | Included | Included | Included |
Integrations, API & data mobility
Standalone-first, with scoped APIs and clearly identified external connections.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Standalone operation | Included | Included | Included | Included | Included |
| CSV / XLSX portability | Included | Included | Included | Included | Included |
| Provider adapter registry | — | — | Enhanced | Enhanced | Enhanced |
| Scoped API keys and API access | — | — | Enhanced | Enhanced | Enterprise scoped / Custom |
| Inbound and outbound signed webhooks | — | — | Enhanced | Enhanced | Enterprise scoped / Custom |
| Resumable / idempotent background jobs | Included | Included | Enhanced | Enhanced | Enhanced |
| Bank, payment, payroll, tax, ecommerce, POS, and field-service connections where configured | Provider connection required | Provider connection required | Provider connection required | Provider connection required | Provider connection required |
Firm practice operations
A distinct practice model; each client retains separate books and control.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Firm-client engagements with client acceptance | — | — | — | Full | — |
| Separate client organizations and books | — | — | — | Full | — |
| Staff-client assignments and least privilege | — | — | — | Full | — |
| Client directory | — | — | — | Full | — |
| Cross-client health and workload dashboard | — | — | — | Full | — |
| Close and service-period workflows | — | — | — | Full | — |
| Reusable workpaper packs | — | — | — | Full | — |
| Authoritative tie-outs | — | — | — | Full | — |
| Preparer / reviewer / manager signoff | — | — | — | Full | — |
| Locked and reopenable workpapers with history | — | — | — | Full | — |
| Cross-client evidence-request queue with client-owned evidence | — | — | — | Full | — |
| Cross-client reconciliation work queue | — | — | — | Full | — |
| Safe bulk orchestration with per-client idempotency | — | — | — | Full | — |
| Cleanup and Historical Restore coordination | — | — | — | Full | — |
| Practice metadata search | — | — | — | Full | — |
| Staff workload and capacity | — | — | — | Full | — |
| Client onboarding and migration oversight | — | — | — | Full | — |
| Cross-client tax, 1099, payroll, and mileage readiness | — | — | — | Full | — |
| Bulk evidence requests | — | — | — | Full | — |
| Client access administration | — | — | — | Full | — |
| Source-connection health across clients | — | — | — | Full | — |
| Offboarding and access termination | — | — | — | Full | — |
| Client-controlled accountant / firm access | — | — | — | Full | — |
Enterprise contract overlay
A quote-based contract overlay on Advanced for higher scale, identity, policy, integration, support, and migration requirements—not Firm practice management.
| Capability | Core | Autonomous | Advanced | Firm | Enterprise |
|---|---|---|---|---|---|
| Custom user capacity | — | — | — | — | Enterprise scoped / Custom |
| Higher scale and negotiated operating limits | — | — | — | — | Enterprise scoped / Custom |
| SAML single sign-on | — | — | — | — | Enterprise scoped / Custom |
| SCIM and directory provisioning | — | — | — | — | Enterprise scoped / Custom |
| Advanced access reviews | — | — | — | — | Enterprise scoped / Custom |
| Custom retention and security policies | — | — | — | — | Enterprise scoped / Custom |
| Custom segregation-of-duties and approval policies | — | — | — | — | Enterprise scoped / Custom |
| Custom integrations and connectors | — | — | — | — | Enterprise scoped / Custom |
| Dedicated support, service levels, and onboarding | — | — | — | — | Enterprise scoped / Custom |
| Custom migration assistance | — | — | — | — | Enterprise scoped / Custom |
| Custom API and integration throughput | — | — | — | — | Enterprise scoped / Custom |
| Enterprise SSO / identity provider | — | — | — | — | Provider connection required |
| Automatic FX-rate feedProvider-dependent rates for FX/consolidation helpers only; not multicurrency transaction posting or books, which remain Planned / Not yet available. | — | — | — | — | Provider connection required |
Plan detail
Core
$29/mo · 2 users included
Organizations that need complete accounting with manual document control.
Includes: Complete double-entry books, period controls, and statements · Banking and reconciliation; AR, estimates, invoices, payments, and recurring sales · AP, bills, expenses, purchase orders, vendor credits, items, basic inventory, projects, and time · Sales tax, 1099 readiness, employee directory, manual payroll import, W-2 readiness, base-currency settings, and accountant access · Manual documents, reports, audit, close, guided onboarding, branding, professional sales forms, customizable Home, Snapshot, and sidebar · Manual mileage tracking, effective-date IRS rates, review, bulk classification, and project/customer linkage · Guided migration with file fallback and direct QuickBooks Online migration when configured
Adds: The complete accounting foundation; no lower-quality correctness standard.
Provider dependencies: Live banking, direct QBO migration, payments, delivery, and filing require configured providers; provider availability is not an upgrade requirement.
Autonomous
$59/mo · 3 users included
Teams that want financial truth, controlled automation, and paperless intake without surrendering authority.
Includes: Everything in Core · Full Financial Truth Engine with weekly, nightly, and event-driven checks where configured · Books Health, confidence, root-cause analysis, evidence requests, month-end readiness, and Historical Restore · Intelligent Document Intake with classification, extraction, matching, confidence, review, and provenance · Connected payroll monitoring, AI sales-form design, smart mileage suggestions, repeated-route rules, and review prioritization where configured · AI budget controls, deterministic-only fallback, and immutable Intelligence activity history
Adds: Policy-controlled proposals, drafts, and approved action. AI is optional and never writes financial tables directly.
Provider dependencies: OCR/vision, inbound email, malware scanning, and scanner connections require configured providers.
Advanced
$99/mo · 5 users included
Operationally complex organizations needing inventory, job cost, fixed assets, dimensions, controls, or APIs.
Includes: Everything in Autonomous · Advanced budgets, fixed assets and depreciation, revenue recognition, dimensions, inventory, warehouses, lots, serials, and assemblies · Advanced projects, construction contracts, SOV, WIP, billing, equipment, approvals, custom roles and fields, full API, analytics, and multi-entity depth · Employee mileage submissions, approval and reimbursement policy, separate company rates, fleet administration, actual-expense support, and advanced employee costing
Adds: Operational complexity and governance—not a different accounting standard.
Provider dependencies: Specialized live feeds and connectors remain provider-dependent.
Firm
$149+/mo · 10 users included
Accounting practices serving multiple independently controlled client organizations.
Includes: Everything in Advanced · Accepted engagements, separate client books, assignments, workpapers, tie-outs, signoff, and close workflows · Cross-client Books Health, tax, 1099, payroll, mileage, evidence, reconciliation, source-connection health, migration, and workload views
Adds: Practice management on top of Advanced as a distinct branch for multi-client accounting firms.
Provider dependencies: Client-specific feeds, payroll, tax, messaging, and document services remain provider-dependent.
Enterprise
Custom · Custom user capacity
Multi-entity or high-volume organizations needing scoped governance and implementation.
Includes: Everything in Advanced · Custom user capacity, higher scale and limits, SAML SSO, SCIM provisioning, and advanced access reviews · Custom retention, security, segregation-of-duties, approval, integration, connector, API-throughput, migration, onboarding, support, and service-level scope
Adds: A quote-based contract overlay on Advanced for negotiated scale, governance, integration, and service requirements.
Provider dependencies: SSO, banking, payments, payroll, tax, OCR, migration APIs, telematics, and FX feeds require selected providers.
Industry options
- Professional Services
- Construction & Trades
- Retail & Ecommerce
- Nonprofit Organizations
- Healthcare & Dental Practices
- Manufacturing & Distribution
- Property / Real Estate Operations
- Field Service & Home Service Businesses
- Hospitality & Food Service
- Technology & SaaS
- Accounting & Bookkeeping Firms
- Multi-Entity & Enterprise Organizations
Provider dependencies
Live bank feeds
Banking and reconciliation are included in Core. Live links require a compatible provider; provider availability or cost may apply and does not require a plan upgrade.
Card / ACH processing
Receivables and payment application are native; payment rails require a provider.
Invoice email / reminders
Invoice workflows are native; delivery requires a configured messaging provider.
Payroll
Manual import and W-2 readiness begin in Core. Connected synchronization and monitoring begin in Autonomous when a compatible provider is configured; calculation, submission, and payment rails remain external.
Tax feeds, e-file, and e-delivery
Tax operations are native; live rates, filing, and delivery require providers.
Direct migration APIs
Guided file fallback begins in Core. Direct QuickBooks Online migration is included in Core packaging when the Intuit connector is configured; other direct source APIs depend on provider access.
Enterprise SSO
Requires a compatible identity provider.
OCR / vision
The internal intake workflow is available; extraction requires a configured provider.
Inbound email / scan-to-email
Requires an inbound mail provider.
Local scanner / MFP
Uses a desktop/watch-folder bridge or compatible MFP connection; universal browser scanner control is not claimed.
Automated malware scanning
Automated intake scanning requires a configured security provider.
Telematics, fuel cards, and automatic FX rates
Live external data requires providers. FX/consolidation helpers are not multicurrency books. Native automatic/background GPS mileage is Planned / Not yet available and requires a future native app; a provider connection does not enable it.
Availability context
KontoCore is prelaunch. Implemented capabilities are identified without implying public availability. External services remain marked Provider connection required, and anything not yet implemented remains Planned. Packaging and availability can change before general availability.