Know where every dollar goes

Every account in one place: full ledgers, spending reports, recurring bills, statement reconciliation, and net worth. Import from your bank or enter as you go.

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The KTO Money page: three account cards with balances and a list of upcoming recurring transactions

Ledgers

A real ledger for every account

Each account keeps a running balance, transaction statuses, and split categories — like your checkbook register, minus the checkbook.

  • Running balance on every row
  • Reconcile against statements, resume any time
  • Import transactions from your bank (QIF/OFX/CSV)
  • Search every account at once — including in plain English
A checking account ledger with dates, payees, categories, amounts, and a running balance column

Slice your spending any way you like

Filter by account, category, payee, or date range — then chart it and bookmark the report for next time.

The Money Reports page: an all-time spending report with a category pie chart and matching transaction list

Recurring

Bills that keep track of themselves

Set up rent, subscriptions, and paychecks once. KTO shows what's coming, flags anything overdue, and records each occurrence in one click.

  • Weekly, monthly, or custom schedules
  • Overdue payments flagged on sight
  • Upcoming bills surfaced right on the Money page
The Recurring Transactions page listing six scheduled bills with account, frequency, next date, and amount

Net worth

The whole picture, not just the accounts

Add assets like your home or car alongside bank accounts and investments to see your actual net worth — and how it changes over time.

  • Accounts, assets, and investment portfolios combined
  • Track individual holdings with price updates
  • Export everything you've entered, any time
The Net Worth page totalling three accounts to $31,438.99

Start keeping track

A free account takes under a minute.

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