What’s New

Updated September 2026

Health Checks & Goals

Kono now watches your finances for you and helps you plan what’s next.

Health Checks

  • Automated Health Checks — A new section that keeps reviewing your emergency fund, cash flow, debt progress and accounts.
  • Insurance Gaps — Kono flags coverage gaps and names the exact asset or earner that isn’t covered.
  • Overdraft Warnings — Get warned when a low balance could cause an overdraft, with upcoming income taken into account.

Goals

  • Debt Payoff Goal — Start from what you want (debt-free, more cash flow, specific debts or minimum payments), then compare Avalanche, Snowball and Hybrid plans.
  • Emergency Fund Setup — A short questionnaire sizes your fund from your essential expenses.
  • Automatic Progress Tracking — Goals update on their own as your balances change.

Your Financial Profile

  • Getting Started Wizard — A faster setup, with vehicle lookup, address autocomplete and optional birthdays.
  • Review Before Applying — Edit or remove extracted details before a document updates your profile.
  • More Loan Types — Auto and personal loan statements are now supported.
  • Truer Debt Costs — Credit cards show what interest really costs you, and rate changes are tracked over time.
  • Monthly Home Values — Property values refresh automatically every month.

Transactions

  • Unified Search — Search transactions by merchant, category or amount, with filters that update as you go.

Smarter Documents & Spending

This quarter Kono learned to read your paperwork, and your day-to-day spending got its own home.

Statement & Document Import

  • Statement Import — Upload a bank, brokerage, IRA, 529 or HSA statement and Kono creates or updates the matching accounts for you.
  • Loan & Credit Statements — Mortgage, student loan, credit card and HELOC statements become liabilities, with balances, rates and payment terms filled in.
  • Pay Stubs & Tax Forms — W-2s, 1099s, Social Security statements and pay stubs turn into income entries.
  • Drag-and-Drop to AI Chat — Drop a document into the AI assistant and it extracts and applies the details.
  • Smarter Document Library — Search, filter by date, and tag your documents.

Spending & Budgets

  • Spend Section — A new home for your transactions, with receipts you can attach to any purchase.
  • Easier Budgets — A simpler budget setup flow and clearer rules for categorizing transactions.
  • Transfer Detection — Moves between your own accounts are no longer counted as spending.

Income

  • Salary-Based Income — Enter an annual salary and pay frequency, and Kono works out each paycheck.
  • Income History — Record past and future raises as separate entries, and see who earns each one.
  • 401(k) Contributions — Set contributions as a percentage of pay; they update with your salary and respect age-based limits.

Goals & Accounts

  • Emergency Fund & Education Goals — Two new goal types, each with guided setup.
  • Investment Holdings — See the individual holdings in your linked investment accounts.
  • Home Value Estimates — Property values filled in automatically from your address.

Sign-In & Mobile

  • Google Sign-In — Create an account and log in with your Google account.
  • Faster Verification — Email verification codes fill in automatically.
  • Mobile Parity — Every screen and navigation path now works on your phone.

Open Beta

We’re excited to introduce Kono to the world. Here’s everything included in our Open Beta launch.

Financial Management

  • Net Worth Dashboard — Track your assets, liabilities, income, expenses, and cash flow all in one place.
  • Asset Management — Log and monitor everything you own, from real estate to crypto. Includes value history and document attachments.
  • Debt & Liability Tracking — Keep tabs on mortgages, student loans, credit cards, and other debts with balances, rates, and payment history.
  • Insurance & Coverage Tracking — Organize all your policies in one place: life, health, auto, home, disability, and umbrella.
  • Financial Reports — Generate a Personal Financial Statement pre-filled with your data and download it as a PDF.

Budgeting & Cash Flow

  • Smart Budgeting — Build budgets linked to your real bank transactions with automatic spending categorization and trend tracking.
  • Cash Flow Visualization — See exactly where your money goes with interactive Sankey diagrams mapping income to expenses.
  • Savings Goals — Set savings targets with amounts and dates, then track your progress.
  • Recurring Transaction Detection — Automatically spots recurring charges and deposits across your connected accounts.

Accounts & Transactions

  • Automatic Account Sync — Link your bank accounts, credit cards, and investments via Plaid for automatic balance updates.
  • Transaction Categorization — Set up rules to auto-categorize transactions, or categorize them manually.
  • Document Management — Attach supporting documents to any financial record.

AI & Intelligence

  • AI Financial Assistant — Ask questions about your finances, get spending insights, and analyze uploaded documents.
  • AI Debt Payoff Planner — Compare Avalanche vs. Snowball strategies and model extra payments to see when you’ll be debt-free.

Household & Collaboration

  • Household Management — Invite family members to a shared household with roles and permissions.
  • Share With Your Advisor — Invite your financial advisor or other trusted professionals and choose what they can see.

Security & Account

  • Multi-Factor Authentication — Add an extra layer of security to your account with multiple authentication options.
  • Subscription & Billing Management — Manage your plan, view invoices, and update payment methods.