Money: Import, Reconciliation, Reports & Search

Tools for getting data into Money, keeping it honest, and understanding it.

On this page: QIF import · Reconciliation · Reports · Search · Export

Importing from your bank (QIF)

Most banks can export transactions as QIF files. Open Import in the Money section:

The QIF import upload

  1. Upload — drop one or more .qif files on the upload zone (or click browse). Required: at least one QIF file.
  2. Map accounts — for each account found in the files, tell KTO which of your accounts it is, or create a new one on the spot.
  3. Preview and confirm — review what will be imported. Transactions KTO has already seen are detected and skipped, so re-importing an overlapping export won't create duplicates.
  4. Import — the transactions land in the ledger, categorized where the file says so.

Reconciliation

Reconciliation checks an account against a bank statement, the same way as a paper checkbook. Start one from the Reconciliation page — pick the account, then:

Starting a reconciliation

Required: statement end date and the statement's closing balance.

Then tick each transaction that appears on the statement. The running difference shows how far the ledger and statement disagree; when it reaches zero, finish the reconciliation.

A reconciliation in progress

You can save and finish later, add a missing transaction mid-reconcile with New Transaction, or void the reconciliation to abandon it. Finished reconciliations lock in a "last reconciled" marker per account.

Reports

The Reports page charts your spending and income: pick a date range (or a preset like "this year"), a dimension (category, payee, month, …), and a chart type. Filters narrow to matching memos, transaction numbers, or amounts. A useful report can be saved by name and re-run later. Report filters are all optional — an empty form reports on everything.

Search finds transactions by text, amount range, date range, status, and more — all filters optional. AI search accepts a plain-English question ("how much did we spend on restaurants in March?") and answers from your ledger.

Export

The Export page downloads your transactions as files, per account. Pick the accounts you want; format details are on the page. For a full-account data export (every section, not just Money), see Your Account & Data.