As a personal finance manager, KMyMoney is not intended to support the needs of a business. A small business might find sufficient functionality to use KMyMoney, but features such as accounts-receivable and accounts-payable are not directly supported. The larger the business, the less likely it is to find KMyMoney will meet its financial management needs. Most if not all the data needed for a small business, such as for reports for audit and taxation purposes is present, but may need to be extracted using various reports and then processed and assembled into the required formats. In addition, it would be possible to create client, supplier, document, or other features through plugins.

KMyMoney is not simply a clone of any of the commercially available personal finance programs. Although many of the features present in KMyMoney can be found in other similar applications, KMyMoney strives to present an individual and unique view of your finances.