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.
No card for the trial. $49 a month for S-corps, partnerships and more than one entity.
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. 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. 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 reserve gap, less 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.
Business+, $49 a month
When there is more than one of you, or more than one of them
Everything in Business, plus the entity model. This is the part the incumbents’ own documentation says they do not do, and it is why it costs more.
An LLC is not a tax status
The wrapper and the tax treatment are two separate axes, both recorded, and every calculation runs on the treatment. An S-corp’s revenue never lands on a Schedule C and is never charged self-employment tax.
More than one entity
Each keeps its own books and its own return. Most tools model a sole proprietor and let you pretend the rest is the same shape.
Your share, before the K-1 exists
Ownership share, guaranteed payments, and whether you materially participate, stated in the words a K-1 uses.
Basis, and reasonable compensation described
Distributions over basis are flagged. Wages against distributions are described in the IRS’s own factors and never scored, because a number here would be a recommendation nobody is qualified to give.
A free week, no card. Then $10 a month.
Read-only bank connections, cancel any time, and the price you sign up at stays yours for as long as you keep the plan.