Free to start, free to stay. Then $5 or $10 a month for everything.

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.

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.

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.

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.