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Copilot is the best-looking personal finance app. It has no business side.
Copilot tracks spending, budgets, investments and net worth beautifully, on Apple platforms and the web, with recommendations from your own spending. Its pricing and features pages describe a personal product; nothing about business books, Schedule C, or tax. That is the whole comparison.
| Capability | Copilot Money | Contha |
|---|---|---|
| Spending, budgets, investments, net worth | Yes | Yes, every account, personal and business |
| Recommendations from your own spending | Yes | Yes, cards and accounts ranked against real spend |
| Business books beside the personal | No | Yes, personal and business on every row, with splits |
| Schedule C, self-employment tax, quarterly estimate | No | Yes, computed: four payments as a schedule, past due and next |
| Entities, S-corp, partnership | No | Yes, wrapper and treatment as two axes |
| Accountant handoff | No | Yes, five files and a read-only link that needs no account |
| A spouse with their own login | Not on its pricing page | Yes, a spouse with their own login, editor or viewer |
| Platforms | iPhone, iPad, Mac, web | Web, installable on a phone |
| Price | $13 a month billed monthly; a yearly plan at a discount | A free week, then Personal $5, Solo $10, Owner $49 a month; two months free on annual billing |
Spending, budgets, investments, net worth
- Copilot Money
- Yes
- Contha
- Yes, every account, personal and business
Recommendations from your own spending
- Copilot Money
- Yes
- Contha
- Yes, cards and accounts ranked against real spend
Business books beside the personal
- Copilot Money
- No
- Contha
- Yes, personal and business on every row, with splits
Schedule C, self-employment tax, quarterly estimate
- Copilot Money
- No
- Contha
- Yes, computed: four payments as a schedule, past due and next
Entities, S-corp, partnership
- Copilot Money
- No
- Contha
- Yes, wrapper and treatment as two axes
Accountant handoff
- Copilot Money
- No
- Contha
- Yes, five files and a read-only link that needs no account
A spouse with their own login
- Copilot Money
- Not on its pricing page
- Contha
- Yes, a spouse with their own login, editor or viewer
Platforms
- Copilot Money
- iPhone, iPad, Mac, web
- Contha
- Web, installable on a phone
Price
- Copilot Money
- $13 a month billed monthly; a yearly plan at a discount
- Contha
- A free week, then Personal $5, Solo $10, Owner $49 a month; two months free on annual billing
Checked 9 September 2026, against Copilot Money’s own published documentation: the Copilot pricing page, Copilot features. If a row is out of date, tell us and it will be corrected on the page, not deleted.
The honest read
If you have no business, Copilot is a fine choice. If you do, it is half a picture.
Copilot polishes the personal half. Contha carries the personal half and the return, and says which feeds are behind.
Also against Monarch Plus, QuickBooks Solopreneur, Found, Keeper, YNAB, Wave, Tiller.
Keep Copilot if it is enough. If the tax is the reason you are here, start with Contha.
A free week, no card. Then Personal $5, Solo $10, Owner $49 a month. Read-only connections, cancel any time.