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Found is a bank account with bookkeeping inside it. Contha sits on top of any bank.
Found does a great deal for a sole proprietor: real-time tax estimates, a Taxes Pocket, mileage and home office, Schedule C and 1120-S forms, 1099 e-filing, invoicing, and quarterly payments from the app. All of it inside a Found business checking account. What it does not do is see the personal side, or any account that is not Found.
| Capability | Found | Contha |
|---|---|---|
| Where the money is | A Found business checking account (banking by Lead Bank) | No. Reads accounts, holds no money, cannot freeze or move anything |
| Personal accounts and net worth | No | Yes, every account, personal and business |
| Works with the bank you already have | No, the account is the product | Yes, any account an aggregator reads, plus CSV |
| Real-time tax estimate | Yes | Yes, on 92.35% of net profit, the wage base less W-2 wages; Yes, computed: four payments as a schedule, past due and next |
| Tax set-aside | Yes, Taxes Pocket inside Found | Yes, against whichever account you name, with the share of each deposit |
| Schedule C, 1120 and 1120-S forms | Yes, generated on paid plans | Yes, by line; one per sole proprietorship; entities and the K-1 position, not the 1120-S itself |
| S-corp owner share, basis, reasonable compensation | No | Yes, owner share, basis, reasonable compensation described |
| Mileage and home office | Yes | Yes, Pub. 463 substantiation per trip |
| 1099-NEC | Yes, generate and e-file | Yes, payees on line 11, the $2,000 threshold for 2026, W-9 marks; no e-file |
| Invoicing, contractor payments | Yes, free | No, on purpose. Contha sits on top of the bank |
| Accountant collaboration | Yes, in the app | Yes, five files and a read-only link that needs no account |
| A spouse with their own login | No | Yes, a spouse with their own login, editor or viewer |
| Price | Free; Plus $35 a month or $315 a year; Pro $80 a month or $720 a year | A free week, then Personal $5, Solo $10, Owner $49 a month; two months free on annual billing |
Where the money is
- Found
- A Found business checking account (banking by Lead Bank)
- Contha
- No. Reads accounts, holds no money, cannot freeze or move anything
Personal accounts and net worth
- Found
- No
- Contha
- Yes, every account, personal and business
Works with the bank you already have
- Found
- No, the account is the product
- Contha
- Yes, any account an aggregator reads, plus CSV
Real-time tax estimate
- Found
- Yes
- Contha
- Yes, on 92.35% of net profit, the wage base less W-2 wages; Yes, computed: four payments as a schedule, past due and next
Tax set-aside
- Found
- Yes, Taxes Pocket inside Found
- Contha
- Yes, against whichever account you name, with the share of each deposit
Schedule C, 1120 and 1120-S forms
- Found
- Yes, generated on paid plans
- Contha
- Yes, by line; one per sole proprietorship; entities and the K-1 position, not the 1120-S itself
S-corp owner share, basis, reasonable compensation
- Found
- No
- Contha
- Yes, owner share, basis, reasonable compensation described
Mileage and home office
- Found
- Yes
- Contha
- Yes, Pub. 463 substantiation per trip
1099-NEC
- Found
- Yes, generate and e-file
- Contha
- Yes, payees on line 11, the $2,000 threshold for 2026, W-9 marks; no e-file
Invoicing, contractor payments
- Found
- Yes, free
- Contha
- No, on purpose. Contha sits on top of the bank
Accountant collaboration
- Found
- Yes, in the app
- Contha
- Yes, five files and a read-only link that needs no account
A spouse with their own login
- Found
- No
- Contha
- Yes, a spouse with their own login, editor or viewer
Price
- Found
- Free; Plus $35 a month or $315 a year; Pro $80 a month or $720 a year
- Contha
- A free week, then Personal $5, Solo $10, Owner $49 a month; two months free on annual billing
Checked 9 September 2026, against Found’s own published documentation: the Found pricing page, Found taxes. If a row is out of date, tell us and it will be corrected on the page, not deleted.
The honest read
Found is where a sole proprietor banks. Contha is where the whole household sees the return.
If your business banks at Found, Contha reads that account beside your personal ones and does the arithmetic across both. If you have an S-corp or a partnership, Found's own page says its tax features are for Schedule C filers; that is the line where this begins.
Also against Monarch Plus, QuickBooks Solopreneur, Keeper, Copilot Money, YNAB, Wave, Tiller.
Keep Found 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.