$60,875.91 net worth/$3,867.15 due Q4 Jan 15
Personal and business
money, kept properly.
Every account you have in one net worth, with budgets, goals and the subscriptions that went up. Then, if there is a business, a second set of books on the same ledger with the tax already set aside.
A free week, no card. Then from $5 a month.
Good evening
11 accounts currentNet worth
$60,875.91
Personal
$27,597.73
Business
$33,278.18
Next payment
115 days$3,867.15
Q4 Jan 15
Top categories, month to date
- Gas$192.30
- Groceries$165.67
- Eating Out$130.83
- Shopping$95.04
Real figures from the demo ledger, not a customer’s.
Contha keeps one ledger across every account, sorts it into two sets of books as the money lands, and carries the business half onto a return that is already right when you get there.
Two plans
Start with your own money. Add the business when there is one.
The personal half is not a cut-down version of the business half. It is the whole thing, and most people never need anything else. The business half is the same ledger with a second set of books on it.
No business
Personal
From $5 a month
Every account you have in one net worth, including the house and the car. Budgets, goals, where it went, and the subscriptions that went up without telling you. Cheaper than every serious rival, and it does not make money on what it recommends to you.
- One net worth, every institution
- Budgets, goals and cash flow
- Price rises named on the row
- Card picks with no kickback
A business too
Business
From $10 a month
Everything in Personal, and then a second set of books on the same ledger. The quarterly estimate that knows about your job, whether the tax money is actually there, and a package your accountant opens without an account.
- Both books, one ledger
- Quarterly estimate and reserve
- Mileage, receipts, 1099s
- S-corps and partnerships on Business+
Connect an account and Contha sorts every charge as it lands, so the return is already right when you get there.
Sorted as it lands
Connect an account and every charge arrives categorised, on the right set of books, by a rule you wrote or a merchant you have filed before. Nothing sure enough goes to you instead of being guessed at.
The return keeps itself current
Business spending lands on a Schedule C line as it happens, so the quarterly estimate and the reserve move with it. No March reconstruction, because nothing was left to reconstruct.
Handed over, not exported
Your accountant opens a read-only link with the worksheet, the ledger behind it and the mileage log. No account for them, no seat to buy, and you can revoke it the moment they are done.
When a feed stops
A figure that cannot be right says so.
A bank feed dies roughly the way a light bulb does: without warning, and without anything else changing. Every app in this category keeps drawing the chart. The number still looks like a number, so nobody files the bug, and the month it was quietly missing an account is the month you made a decision on it.
Contha writes the sentence instead, beside the figure it applies to and nowhere else. A dead brokerage feed does not put a warning on this month’s spending. A warning that fires when nothing is wrong gets ignored, and then the one that matters gets ignored with it.
Safe to draw today
$25,197.28
2 of 7 accounts in this figure have not reported in 11 days. Figures may be short by what has happened since.
Halyard needs you to sign in again
The bank wants you back
No transactions have arrived for 4 days. Anything since then is missing from every figure on this page.
Northbank is down at the provider
Not your problem
Not something you can fix, and not worth reconnecting. It resumes on its own; figures may be short until it does.
Nothing to do. Contha does not ask you to fix this one.
Meridian Business has not reported in 6 days
It simply stopped
A feed usually lands daily. Figures below may be short by whatever has happened since.
One ledger, two books
The same money, read two ways.
Most people running a business keep their own money somewhere else and reconcile the two by hand in March. Contha holds both and keeps the line between them.
Your own money
One net worth, not four logins
Every account in one place: current, savings, cards, brokerage, the mortgage. Spending sorted as it lands, a budget that seeds itself from what you actually spent, and goals that know which accounts feed them.
- Every account in one net worth
- Categories that learn from your corrections
- Recurring charges found, not guessed
The business side
A return that is already right
Business dollars land on a Schedule C line as they arrive, the quarterly estimate updates with them, and the reserve says what to hold back. S-corps and partnerships are modelled, not approximated.
- Quarterly estimate, kept current
- S-corp and partnership entities
- A package your accountant opens without an account
The problem
Every self-employed review of a finance app ends the same way.
Personal money in one app, business books in another, and in March a spreadsheet for the tax people.
Five things
Everything it does sits under one of these.
The books
Every account, and what is actually going on.
Every account in one net worth, sorted as it lands, with budgets, goals and the subscriptions that went up. Then a business side too, if there is one.
- Every account, one net worth
- Personal, business, or both
- Every row, categorized
- Where it went
Net worth
$43,516
The tax
The number, and whether the money is there.
Not a worksheet. Self-employment tax, your state where it is modelled and the rate you type where it is not, your withholding, the four payments as a schedule, and the reserve judged against a real account.
- The estimate that knows your job
- Four payments, with amounts
- Is the tax money there
- What can move to personal today
Q4 Jan 15
$3,867.15
Reserve
Covered
Safe to draw
$25,197.28
For owners
An LLC is not a tax status.
For S-corps, partnerships, multi-member LLCs and rentals. Each lands on a different return, and Contha has the model: wrapper and treatment as two axes, and your share before the K-1 exists. A sole proprietor can skip this one; Business covers it.
- Wrapper and treatment, two axes
- Nothing on the wrong return
- Your share, before the K-1
- Basis, and reasonable compensation described
Ordinary income to you
$3,107
W-2 wages
$24,000
Subject to SE tax
$0
Over basis
$22,893
For your accountant
Handed over whole.
Five plain files in the layout a practice imports, and a read-only link that needs no account and stops on its own.
- The five files
- A door, not a seat
- Printable
- A read-only MCP
- Every transactioncsvfirst of five
- Schedule C worksheetcsv
- Mileage logcsv
- Entities and K-1 positioncsv
- Contractors and 1099scsv
Read-only link
No account. Expires on its own.
Recommendations
What a better card would have paid you.
Cards and deposit accounts ranked against your real spending, not a category average. Computed, and the computation is shown.
- Ranked against what you actually spent
- Cash earning less than it could
- Business and personal ranked apart
- Terms with a date on them
Best card for this year’s business spend
+$864
more than your card earned, no annual fee
- Software$412
- Advertising$284
- Travel$168
Ranked on your rows, not a category average.
What it actually covers
Numbers about the product,
not about the customers.
Everyone’s landing page counts users. Contha has one customer and will not pretend otherwise, so here is the thing you were actually going to ask: does it handle your situation.
- Lines of Schedule C the worksheet fills
- 22
- States whose income tax is modelled
- 29
- Federal filing statuses
- 3
- Categories every account starts with
- 42
Every line a sole proprietor uses, including the two that split
Of 51 including DC. The rest say so on the page rather than guessing
Single, married filing jointly, head of household
Yours from the first sync, and editable from the first minute
Built for your money first, and for the business’s when there is one.
No business, and no plans for one
A salary, a joint account, a mortgage and a car, and the ordinary problem of knowing what is actually going on. Everything here works without a business ever appearing: one net worth, budgets and goals, and the subscriptions that went up without telling you.
An S-corp, a partnership, or more than one
Reasonable compensation, distributions against basis, a K-1 per partner. Most tools model a sole proprietor and let you pretend the rest is the same shape. Contha holds each entity separately and knows an LLC is not a tax status.
1099 income is the paycheck
Nobody is withholding anything for you, so the only question that matters is how much of what just landed is not yours. The estimate moves with every charge and the reserve says what to leave alone.
A business beside a job
Two incomes taxed two different ways, and one of them has a W-2 doing half the work already. The estimate accounts for what is being withheld so the quarterly figure is what you owe, not what you would owe alone.
What Contha never does
Contha reads the accounts and holds none of the money.
Nothing here can freeze, hold, close or move an account. If a feed stops, the account is untouched, and every figure it touches says so, in words, until it is back.
- It never files for you. The return stays your accountant’s work, so a filing mistake is never ours to make.
- It never replaces your accountant. They open a package that expires on its own, not a login to your books.
- It never writes anything back. Read-only at the bank, and read-only for an assistant reading your books.
- It never takes a commission. Cards are ranked against what you actually spent, and no issuer can buy a place. There is no link to click, so there is nothing to be paid for.
- It never holds your books hostage. Every row you can see leaves as one document, on any plan, and still after you stop paying.
Reads
- Balances
- Transactions
- Holdings
Cannot
- Move money
- Freeze an account
- Close an account
Questions
The things worth knowing before you start
Can I use Contha if I do not have a registered business?
Yes. The Personal plan is a complete personal finance app on its own: every account in one net worth, budgets, goals, recurring charges and reports, with no business, LLC or EIN required. The Business plan is there if and when a business appears beside it.
Does Contha file my taxes?
No. Contha computes and organises what a return is prepared from: a Schedule C by line, the quarterly estimate, the reserve behind it, mileage and receipts. The filing itself is done by you or by your accountant, and there is a read-only package built for handing over.
Will my price go up?
Not while you stay on the plan you bought. Your subscription carries its own price and the date it was locked, and every figure the app shows you comes from that record rather than from the current price list. The list can change; what you pay does not, until you change plan yourself.
Can Contha move my money?
No. Bank connections are read-only. Contha can see balances and transactions and has no ability to move, freeze or spend anything. It is not a bank and holds no money.
Do you sell my data?
No. We do not sell your data, share it with advertisers, or use it to train anything.
Is this bookkeeping with a human in it?
No. There is no bookkeeper and no tax preparer on staff. Contha is software that computes from your own ledger, priced accordingly, and built to hand over to whatever accountant you already have.
Get started
Connect one account. The rest is arithmetic on your own rows.
Or start from a CSV. Two months of history and the estimate, the schedule and the reserve fill in.