Business, $10 a month
Everything in Personal,
plus the return done properly.
Nothing is taken away and nothing is migrated. The same ledger gains a second set of books, a Schedule C worksheet, the quarterly estimate, the reserve behind it, and a package your accountant opens without an account.
See it on sample books first: a freelancer or an Etsy and Shopify shop, no account.
No card for the trial. One sole proprietorship or single-member LLC; S-corps and partnerships are coming later.
Everything in Personal
The personal plan is still the base of this one
One net worth across every account, budgets, goals, where it went, the subscriptions that went up, the card ranking nobody pays us for. All of it is here. What follows is what gets added.
What Business adds
A second set of books, and everything the return needs from them
Two sets of books on one ledger
Every row carries a side. A charge that was genuinely both gets split once and each half lands where it belongs, so the personal net worth and the business profit are reading the same transactions rather than two imports of them that quietly disagree.
A Schedule C worksheet, by line
Business spending lands on a real Schedule C line as it happens, not in a category that has to be mapped to one in March. Sell things? Cost of goods and refunds come off sales on their own lines, and marketplace fees go on line 10. One worksheet per sole proprietorship.
The estimate that knows about your job
Self-employment tax on 92.35% of net profit, half deducted back. Wages fill the brackets first and Social Security on the business stops at the wage base less what the job already used. Withholding counts toward safe harbor, so the quarterly figure is what you owe rather than what you would owe with no job.
Four payments, with amounts and dates
A quarter of the lesser of 90% of this year and the safe harbor, each date, after withholding, or less when the income came late (the annualized method). Recorded per quarter, with where to pay it.
Whether the tax money is actually there
Name the account you keep it in. Contha holds what you owe so far against what that account holds, and names the share of each deposit to set aside. Being told the number is the easy half; knowing the money exists is the point.
What you can pay yourself today
Business cash, less the business cards, the reserve gap and the charges the ledger already knows are coming. Every personal finance app overstates the money of anyone whose income is not fully withheld, by exactly the tax they have not paid yet.
Mileage and receipts that hold up
Date, miles, destination and purpose per trip, against the Pub. 463 rules. Undefended miles never reach the deduction and the gap is priced, rather than being quietly counted and discovered in an audit. Receipts sit on the row with the $75 line stated.
January as a list
Who crossed the 1099 threshold, which W-9s are missing, what is over the receipt line with nothing behind it, the mileage log, the retirement deadline. Each line points at the panel that clears it.
Handed over whole
Five files and a read-only link your accountant opens without making an account: every transaction with its return and line, Schedule C by line, mileage with a yes or no per row, entities and the K-1 position, contractors and 1099s. The link expires and you can turn it off.
A free week, no card. Then $10 a month, or stay on Free with one bank.
Read-only bank connections, cancel any time, and the price you sign up at stays yours for as long as you keep the plan.