Personal and business money,
kept properly.
Free with one bank, or from $5 a month for more · Not a bank, never holds your money
Today
Ask your books.
Get the app’s own answer.
Connect Contha to Claude or ChatGPT and ask in plain words: what you can spend, what you can pay yourself, what the IRS wants next. The figures come from the same calculation the app shows, across personal and business at once. It reads unless you let it file, and it can never move money.
How much can I actually spend this month without touching the tax money?
Can I pay myself from the business this week?
File every Figma charge as business software from now on.
How it works
Ask Claude how Contha worksEvery charge lands sorted, on the right set of books.
A rule you wrote once files it as business, and it stays filed.
Business spending lands on a Schedule C line, so the quarterly estimate moves with it.
Your accountant opens a read-only link. No account for them, and you can revoke it.
Two apps,
or one.
Most people with a business beside a job pay for a budgeting app and a bookkeeping app, and reconcile them by hand. Contha keeps both books on one ledger for less than the pair.
Per month on yearly billing where it is sold (Monarch $99.99, Copilot $109, Found Plus $315, Contha Business $100 a year); QuickBooks Simple Start at its list $38 a month. Prices from each company's pricing page, as quoted on our comparisons.
The numbers you were going to work out by hand.
Is the tax money
actually there?
Contha counts what you owe for the year so far as business money lands, federal and state apart, and checks it against what you have paid.
Paid ahead for the year, and still $87.26 to send by Jan 15: the state payments ran ahead, and they do not pay the federal share.
Figures from the Contha demo ledger, generated 2026-11-07.
Frequently asked questions
View moreNo. 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.
Yes. Every new account has seven days free with no card, and we email you two days before it ends. The free week opens the plan you pick on the pricing page, or the Business if you pick none. Either way it connects up to five banks; Business raises that to 10 once you choose it, and a CSV import covers any bank beyond the limit. When the free week ends you stay on Free, at no charge: your first bank keeps syncing while you use Contha (a visit or a question to Claude at least once a month; we email five days before it would stop), the books stay yours to use, and Claude and ChatGPT can still read them. Personal adds up to five banks, a partner and Claude making changes; the business and tax views are on Business. Nothing is deleted, and other banks close 14 days after the free week ends; reconnecting later picks up where they left off.
Yes. Invite their email in settings and we email them the invitation. They sign up or sign in with that address and accept it: their own login, their own layout, the same books. One plan covers the household, and you choose whether they can edit or only look.
It depends on how the LLC is taxed, not on the wrapper. A single-member LLC taxed as a sole proprietorship is the Business plan. An LLC that elected S-corp treatment, a multi-member LLC taxed as a partnership, or more than one business is not covered yet; that plan is coming later.
Both books on one ledger,
from $5 a month.
Free with one bank, no card. Connect it and watch it sort.