Personal, $5 a month
Your whole financial life,
without a business in sight.
Every account you have in one net worth, including the house and the car. Budgets, goals, where it went, and the subscriptions that went up without telling you. It costs less than Monarch, Copilot or YNAB, and it does not make money on what it recommends to you.
A spouse or partner, on one plan. Their own login and their own layout, over the same rows. Shared money is the normal case, and charging twice for it is not something we do. Say whose each account is, or whose a single purchase was, and Reports shows who spent what without anyone keeping score by hand.
No card for the trial, and Free with one bank after it if you do not choose a plan. A year is ten months: $4.17 a month, billed yearly. Own a business too? See Business.
What is in it
Everything below is in the $5 plan
Not a preview of it, and not three of these with the rest behind an upgrade. The business features are the upgrade; the personal ones are the product.
Every account, and the things that are not accounts
Checking, savings, cards, brokerage, read-only through Plaid, up to five banks. Then a house, a car, or a private loan entered by hand and counted on the right side rather than against you. One net worth, with history from the first sync.
Sorted as it lands
Charges arrive categorized by a rule you wrote or a merchant you have filed before. One menu on the row writes the rule from your answer, so correcting it once is the last time you do it. Nothing it is unsure about gets guessed at.
Budgets and goals that use your real numbers
A budget per category against what you actually spent, and goals with the date they land on at the rate you are going. Both read the same ledger as everything else, so neither needs maintaining separately.
Where it went
Income through to what is left, by month and by category, with the top categories labelled directly on the chart rather than in a legend you have to cross-reference.
The subscriptions that went up
Recurring charges detected from their cadence rather than from a list you maintain, duplicates caught, and a sustained price rise named on the row with the month it started. The renewal you forgot about is the point.
A card ranked on your own spending, never on what it pays us
Your categories against general card terms recorded on a stated date, scored on what you actually buy. Some issuers pay a referral fee when someone applies, and where a link pays us it says so. The math does not know which cards pay, and there are no sponsored spots, so the ranking cannot be bought.
Your whole history, back out whenever you want
One JSON file with every account, transaction, budget, goal and rule, and the transactions as a CSV. No request, no waiting, and it works after a trial ends or a plan is canceled.
Every figure says when its feed went stale
A bank connection that quietly stops is the failure mode of this entire category, and the usual handling is to keep showing the last number as though it were current. Contha says which account is behind and by how many days, in the same sentence as the figure it affects.
What it costs
Less than the paid apps it replaces
Every figure below is from that company’s own pricing page. These are the paid personal apps Contha is actually an alternative to. Free apps exist, and the comparison pages name them; this list is only the paid ones.
- Contha Personal$5 a month, or $50 a year ($4.17 a month, billed yearly)
- monarchCore and Plus; its pricing page lists $99.99 a year ($8.33 a month) or $14.99 a month and does not say which tier each is, and gives no separate Plus price
- copilot$109 a year ($9.08 a month); a 1-month free trial
- YNAB$109 a year or $14.99 a month
Prices as of October 2026. Each figure is from that company’s own pricing page, checked between 19 October 2026 and 7 November 2026.
The price you sign up at is yours. A subscription carries its own price and the date it was locked, and the catalog changing does not change it. Raising the price on existing customers is the single loudest complaint in this category and the structure here makes it impossible rather than merely promising not to.
Your data
If Contha shuts down, you keep your books
The usual worry about a small finance app is that it disappears with your history. So this is what is true now, in the product and in the Terms, rather than a promise about later.
- If Contha shuts down
- The Terms promise at least sixty days’ notice before the service is discontinued, and that the export keeps working until the end, and every bank connection is closed at Plaid with its token deleted before the service ends. Your books leave with you in one file, whatever the plan.
- Everything exports, any time
- Settings, then Your data, then Export everything: one JSON file with every account, transaction, budget, goal, rule, tag, holding and setting. Transactions also come as a CSV any spreadsheet opens. Nobody has to approve it, and it still works after a trial ends or a plan is canceled.
- Your bank password stays with your bank
- You sign in to your bank in Plaid’s window or your bank’s own, never ours, so Contha never sees the password. The connection is read-only: it can see balances and transactions and cannot move money. The token that reads an account is encrypted with its own key, so a leaked database is not a leaked connection.
- Disconnecting closes the connection
- 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 your account deletes the data
- Settings, then Your data, then Delete my account. Contha cancels the plan with Stripe and closes every bank with Plaid first, then removes every row, the household and any receipts. If either cannot be done, nothing is deleted and you can try again. The privacy policy gives the backup window.
We do not sell your data, use it for advertising, or train models on it. The full wording is in the Terms and the privacy policy.
When you need the other half
Business is this plan, plus a second set of books
Nothing here is taken away and nothing is migrated. The same ledger gains a business side, a Schedule C worksheet, the quarterly estimate, and a package your accountant opens without an account. Switch whenever the business appears.