Asked and answered

Yes. Every new account has seven days free with no card, and we email you two days before it ends. The free week opens the plan you pick on the pricing page, or the Business if you pick none. Either way it connects up to five banks; Business raises that to 10 once you choose it, and a CSV import covers any bank beyond the limit. When the free week ends you stay on Free, at no charge: your first bank keeps syncing while you use Contha (a visit or a question to Claude at least once a month; we email five days before it would stop), the books stay yours to use, and Claude and ChatGPT can still read them. Personal adds up to five banks, a partner and Claude making changes; the business and tax views are on Business. Nothing is deleted, and other banks close 14 days after the free week ends; reconnecting later picks up where they left off.

Yes. The Personal plan is a complete personal finance app on its own: every account in one net worth, budgets, goals, recurring charges and reports, with no business, LLC or EIN required. The Business plan is there if and when a business appears beside it.

Connecting an account takes a few minutes and history arrives with it, so the first net worth figure and the first month of categorized spending are there before you have entered anything by hand. Rules are written as you correct things rather than configured up front.

Yes. Connect every account you have. A day job, freelance clients and a side business all land in one categorized view. On Business, the tax estimate accounts for wages being withheld while business income is not.

Yes. Invite their email in settings and we email them the invitation. They sign up or sign in with that address and accept it: their own login, their own layout, the same books. One plan covers the household, and you choose whether they can edit or only look.

Contha connects through Plaid, which reaches most US banks and credit unions, read-only. There is no list on this site to promise you a specific bank from, and no coverage figure, because Plaid decides who it reaches. Try yours in the free week: it takes a minute and costs nothing. If it does not connect, import that account as a CSV from your bank’s own download. The rest of the books work the same, and you add a file whenever you want it current.

Yes. CSV import takes a file from any bank or app, shows a preview before anything is written, and skips rows it already has rather than duplicating them.

It depends on how the LLC is taxed, not on the wrapper. A single-member LLC taxed as a sole proprietorship is the Business plan. An LLC that elected S-corp treatment, a multi-member LLC taxed as a partnership, or more than one business is not covered yet; that plan is coming later.

Yes. Upgrade or downgrade any time from settings. The change takes effect right away, and the difference is prorated on your next bill. Nothing you have already entered is lost either way.

Not while you stay on the plan you bought. Your subscription carries its own price and the date it was locked, and every figure the app shows you comes from that record rather than from the current price list. The list can change; what you pay does not, until you change plan yourself.

Open Settings, find Plan and billing, and choose Manage billing. That opens the billing page, where you cancel the plan. Cancelling takes effect at the end of the period you have already paid for, so you keep using the plan until then, and then you are on Free. Emailing support@contha.com cancels it too. During the free week there is nothing to cancel: no card is on file, and if you do nothing you move to Free when it ends and nothing is deleted. Cancel within seven days of your first payment and we refund it in full on request.

Two months. A year is billed as ten months of the monthly price, so Personal is $50 a year rather than $60, Business is $100 a year rather than $120.

You move to Free when the paid period ends. Nothing is deleted, the books stay yours to use and export, and your first bank keeps syncing. The paid features close, other bank connections close 14 days later, and reconnecting picks up where they left off.

No. Contha computes and organises what a return is prepared from: a Schedule C by line, the quarterly estimate, the reserve behind it, mileage and receipts. The filing itself is done by you or by your accountant, and there is a read-only package built for handing over.

Self-employment tax on 92.35% of net profit with half deducted back, income tax on the rest, and the qualified business income deduction where it applies. Wages from a job fill the tax brackets and the Social Security wage base first, and withholding counts toward safe harbor. Each payment is a quarter of the lesser of 90% of this year and the safe harbor from last year, or less when your income arrived late in the year: once a quarter has closed, the IRS annualized income method sets it if that asks for less.

Partly, and the product says exactly where it stops. Federal figures use the full 2026 brackets, the self-employment tax base and wage limit, the qualified business income deduction and the standard deduction. State income tax is modelled for 49 of the 51 filing jurisdictions. Itemized deductions, tax credits, capital gains and the §199A wage limitation are not modelled, and the estimate says so where it is shown. The two that are not, Ohio and Vermont, are named on the disclosures page rather than left for you to discover; a reader there types a rate.

Not yet. Today Contha covers one sole proprietorship or single-member LLC on a Schedule C. What it can do is compare the two: what your business owes taxed as it is now, next to what it would owe as an S-corp, from your own figures.

Yes, on Business. What you paid for stock or materials goes to Cost of Goods Sold (line 4), refunds you give go to Customer Refunds (line 2), fees the platform bills you separately, such as a Shopify plan, to Commissions & Fees (line 10), and Etsy ads to Advertising (line 8). Payouts reach your bank already net of selling fees, so Contha records the payout as the sale; the profit is the same either way. Your 1099-K and the platform’s yearly statement give your accountant the gross sales and fees for line 1. Sales tax the platform collects never reaches you and is not income. The sample shop in the demo shows all of it: demo.contha.com/?plan=shop.

Yes, through a read-only link that needs no account. It carries five files, shows when it was last opened, expires in 30, 45 or 90 days, and turns off with one click.

No. Payroll is for an S-corp, which Contha does not cover yet.

No. We do not sell your data, share it with advertisers, or use it to train anything.

Contha reads your bank through Plaid, read-only, and never sees your bank password: you enter it in Plaid’s window or your bank’s own, never ours. The token that reads your bank is encrypted with its own key, so a leaked database is not a leaked connection. Access is enforced in Postgres on every table rather than in the interface, so a bug in a page cannot show you somebody else’s rows.

No. Bank connections are read-only. Contha can see balances and transactions and has no ability to move, freeze or spend anything. It is not a bank and holds no money.

Yes, at any time and without asking. Under Settings, Your data, Export everything gives one JSON file with every account, transaction, budget, goal, rule, tag, holding and setting, and the transactions also export as a CSV. On Business the accountant package is five files you can download yourself. Export still works after a trial ends or a plan is canceled.

The Terms say that if Contha discontinues the service it will give at least sixty days’ notice and keep the export working until the end. Export everything is one file with every row in your books, so you leave with all of it, on any plan. Before the service closes, Contha ends every bank connection at Plaid and deletes the stored tokens that read your accounts.

Disconnect a bank under Accounts and Contha asks Plaid to close the connection and deletes the stored token at once; the transactions already read stay in your books until you delete them. Deleting the account closes every bank with Plaid first, and if one cannot be closed, nothing is deleted and you can try again. Connections are read-only, and Contha never sees your bank password.

Settings, then Your data, then Delete my account, and type the phrase it asks for. Contha cancels the plan with Stripe and closes every bank with Plaid first, then removes every row, the household and any receipts. There is no undo. The privacy policy gives how long encrypted backups keep a copy.

You are told. A connection that stops reporting is named on the figures it affects, with how many days behind it is, in the same sentence as the number rather than in a settings screen. If one dies you get one email about it.

No, on purpose. Contha sits on top of the bank and reads what actually happened. Invoicing is a different job and there are good tools for it.

No. There is no bookkeeper and no tax preparer on staff. Contha is software that computes from your own ledger, priced accordingly, and built to hand over to whatever accountant you already have.

No. Contha computes figures from what you record and shows the rules it used. Whether a position is right for your situation is a question for a professional who knows it.