Disclosures

Everything below is also said, in the same words, on the page in the product where it applies. It is collected here so nothing has to be hunted for.

Not a bank

Contha reads account data through a read-only connection and does arithmetic on it. It never holds, freezes or closes money, and never moves it on its own. Nothing you see in Contha is a deposit, nothing is insured by the FDIC or any other body, and no balance shown is a balance held by us. Your money is where it was: at your bank. Contha is operated by OWSH Unlimited LLC and is not a bank, a money transmitter, a broker-dealer, or an investment adviser.

Not advice

Nothing in Contha is tax advice, legal advice, accounting advice, or investment advice, and nothing here creates a professional relationship. Every figure is an estimate computed from the rows you can see under assumptions the page states: the year’s federal brackets, the self-employment tax base, your filing status and state as you set them, the categorisation of each row, and the treatment of each entity as you recorded it. A figure can be wrong because any of those is wrong, because a bank feed was behind, or because your situation has facts the product cannot know. The reasonable-compensation panel describes the factors the IRS weighs and never scores a salary. The K-1 panel ends by recommending a conversation with your accountant, and means it. What to file, pay, deduct, set aside or invest is your decision and your adviser’s.

How the tax figures are made

• Federal figures use the 2026 brackets, standard deductions, the self-employment tax base and wage limit, the qualified business income deduction, the mileage rate, the 1099-NEC threshold and the retirement contribution limits, each with its source recorded in the code. A new year is a new file.
• State income tax is modelled for 49 of the 51 filing jurisdictions: the nine with no income tax, seven with a flat rate (Colorado, Illinois, Kentucky, Michigan, North Carolina, Pennsylvania, Utah), and the published brackets of the other 33, including the District of Columbia, each from the state’s own table with its year beside it, with any part of the state’s rules that is left out named in the app. Ohio and Vermont are not modelled for 2026; there the estimate uses the rate you type, and says so.
• Three filing statuses are modelled: single, married filing jointly and head of household. Married filing separately is not.
• Quarterly payments are a quarter of the lesser of 90% of this year’s estimate and the prior-year safe harbor, after withholding, on the IRS dates. Once a quarter has closed, the annualized income installment method (Form 2210 Schedule AI) sets the payment when it asks for less. State estimates follow the same shape where the state is modelled.
• Basis is the simple ledger: contributions plus income less distributions. Debt basis, loss limitations and ordering rules are not modelled.
• Mileage is substantiated per trip against the four items Publication 463 requires; a trip missing any of them is counted but not deducted, and the page prices the gap.

Recommendations

The recommendations page ranks credit cards and deposit accounts against your own transactions, on our servers, and shows the computation. The catalog of cards and rates is short and assembled by us. It records general card terms as of the date shown beside it, and results are computed against that record, not against live issuer terms. Terms change without notice. Confirm the terms on the issuer’s site before you apply.

Some issuers and banks pay a referral fee when someone applies through a link on the page. Where a link pays us, it says so beside the recommendation. The ranking is computed the same way for every card and account and never reads which ones pay; we accept no sponsorships or paid placements, and no card or account is ranked higher for any commercial reason. We are not a credit broker, do not decide or influence any credit decision, and never send your data to an issuer.

Bank connections and reliability

Connections are made through Plaid, under Plaid’s End User Privacy Policy. Bank feeds fail, at every product that has them, and no vendor choice makes that go away. Every figure a behind or dead feed touches says so in words on the page where the figure is shown, and you are emailed once when a feed dies. The incident count on the reliability page is read from Plaid’s public status feed on the date stated there, and can be checked at status.plaid.com.

Comparisons on this site

Each comparison page states the date it was checked and links the other product’s own published documentation, and every row is a specific presence or absence in those pages on that date. Products change; if a row is out of date, write to us and it is corrected on the page, not deleted. The other products’ names and marks belong to their owners, who are not affiliated with Contha and have not endorsed it.

Testimonials and numbers

This site carries no testimonials and no user counts, because we have none we could substantiate. Figures in the product images are from a demonstration workspace and are not a customer’s.

Analytics

The marketing site counts page views with Vercel Analytics and with Google Analytics in cookieless mode (analytics storage denied, IP anonymised, signals off). The app carries no analytics or tracking of any kind: no page-view count and no Google tag. Nothing about your finances reaches either.

The accountant link and the MCP server

A read-only link opens the year-end package to anyone holding the link until it expires or is turned off. The MCP server reads under the signed-in reader’s own permissions and returns no bank tokens or full account numbers. Neither is a filing, and neither changes anything.

Marks

Contha and the knot mark are marks of OWSH Unlimited LLC. Plaid, Stripe, Monarch, QuickBooks, Found, Keeper, Copilot, YNAB, Wave, Tiller, Collective, Lili, Hurdlr, FreshBooks and every other product named here are marks of their owners.

Contact

legal@contha.com