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Monarch Plus is good. Here is what its own documentation says it does not do.
Monarch Plus launched on 20 April 2026 with business tracking for pass-through owners and a Business Tax Prep report that maps categories to real Schedule C lines. That is better than a summary makes it sound, and it is the right comparison. The table is the list of specific absences in Monarch's own pages, on a date.
| Capability | Monarch Plus | Contha |
|---|---|---|
| Personal net worth, budgets, goals | Yes | Yes, every account, personal and business |
| Business income and expenses beside the personal books | Yes, on Plus | Yes, personal and business on every row, with splits |
| Schedule C, Parts I and II | Yes, with user-customisable line mapping | Yes, by line; one per sole proprietorship |
| Self-employment tax | No | Yes, on 92.35% of net profit, the wage base less W-2 wages |
| Quarterly estimated tax | No | Yes, computed: four payments as a schedule, past due and next |
| Mileage, home office | No | Yes, Pub. 463 substantiation per trip |
| S-corp and C-corp | "Not yet optimized" | Yes, wrapper and treatment as two axes |
| Partnership, fractional ownership, K-1 position | Not supported | Yes, owner share, basis, reasonable compensation described |
| Contractors and 1099-NEC | No | Yes, payees on line 11, the $2,000 threshold for 2026, W-9 marks; no e-file |
| Accountant handoff | PDF or CSV export | Yes, five files and a read-only link that needs no account |
| A spouse with their own login | Yes | Yes, a spouse with their own login, editor or viewer |
| Honest about dead feeds | Status per connection | Every figure says which feeds are behind; one email when a feed dies |
| Price | Core $8.33 a month, Plus $16.67 a month, billed annually | A free week, then Personal $5, Solo $10, Owner $49 a month; two months free on annual billing |
Personal net worth, budgets, goals
- Monarch Plus
- Yes
- Contha
- Yes, every account, personal and business
Business income and expenses beside the personal books
- Monarch Plus
- Yes, on Plus
- Contha
- Yes, personal and business on every row, with splits
Schedule C, Parts I and II
- Monarch Plus
- Yes, with user-customisable line mapping
- Contha
- Yes, by line; one per sole proprietorship
Self-employment tax
- Monarch Plus
- No
- Contha
- Yes, on 92.35% of net profit, the wage base less W-2 wages
Quarterly estimated tax
- Monarch Plus
- No
- Contha
- Yes, computed: four payments as a schedule, past due and next
Mileage, home office
- Monarch Plus
- No
- Contha
- Yes, Pub. 463 substantiation per trip
S-corp and C-corp
- Monarch Plus
- "Not yet optimized"
- Contha
- Yes, wrapper and treatment as two axes
Partnership, fractional ownership, K-1 position
- Monarch Plus
- Not supported
- Contha
- Yes, owner share, basis, reasonable compensation described
Contractors and 1099-NEC
- Monarch Plus
- No
- Contha
- Yes, payees on line 11, the $2,000 threshold for 2026, W-9 marks; no e-file
Accountant handoff
- Monarch Plus
- PDF or CSV export
- Contha
- Yes, five files and a read-only link that needs no account
A spouse with their own login
- Monarch Plus
- Yes
- Contha
- Yes, a spouse with their own login, editor or viewer
Honest about dead feeds
- Monarch Plus
- Status per connection
- Contha
- Every figure says which feeds are behind; one email when a feed dies
Price
- Monarch Plus
- Core $8.33 a month, Plus $16.67 a month, billed annually
- Contha
- A free week, then Personal $5, Solo $10, Owner $49 a month; two months free on annual billing
Checked 9 September 2026, against Monarch Plus’s own published documentation: the Monarch pricing page, the Monarch Plus announcement, Business Tracking help. If a row is out of date, tell us and it will be corrected on the page, not deleted.
The honest read
Monarch comes at this from the personal side. Contha comes from the return.
If you are a W-2 household with a side business that files one Schedule C, Monarch Plus covers Parts I and II and you should consider it. If any of your income comes through an S-corp or a partnership, or you want the number to set aside rather than a worksheet, that is what this was built for.
Also against QuickBooks Solopreneur, Found, Keeper, Copilot Money, YNAB, Wave, Tiller.
Keep Monarch 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.