The product
Everything it does, at a glance.
Ten cards, five pillars. Each opens the page that explains it.
The books, the tax, the accountant, and the recommendations
The numbers you were going to work out by hand.
Safe to draw today
$24,096.92
$25,541.22
in the business
$1,163.04
owed on cards
$0.00
reserve short
$281.26
due in 30 days
What can move to personal today
Business cash, less the business cards, the reserve gap and the month ahead.
Learn moreQ4 Jan 15
$87.26
Four payments, with amounts
Computed, not guessed. The paid ones checked, the next one counted down.
Learn moreNet worth
$60,875.91
Resend
$25.00
was $20.00
Nothing else needs you right now.
Best card for the year
+$864
- Every transactioncsv
- Schedule C worksheetcsv
- Entities and K-1 positioncsv
Two logins, one set of books
One plan covers the household
Security
What we can and cannot do with your accounts
Four claims, each one checkable: how the bank token is stored, where access is enforced, what a read-only connection can and cannot do, and why no money ever passes through here. No badge stands in for any of them.
Your bank connection is encrypted with its own key
The token that lets Contha read an account is encrypted at the application layer with AES-256-GCM, so a leaked database is not a leaked connection. Everything else is encrypted in transit and at rest by the database.
Access is enforced by the database
Every table has row-level security from the first migration, so a row is scoped to its owner in Postgres rather than filtered out by the screen you are looking at.
Read-only connections
Contha reads your accounts through Plaid and never sees your bank password. It can see what happened in them and has no ability to do anything to them.
We never hold your money
No transfers and no custody, which is also what keeps us out of money-transmitter licensing. We read what already happened and do the arithmetic.
Does your bank work? Contha connects through Plaid to most US banks and credit unions. If yours does not connect, import that account as a CSV and the rest of the books work the same.
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.
Getting started