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The product

Everything it does, at a glance.

Ten cards, five pillars. Each opens the page that explains it.

The books, the tax, the owner, the accountant, and the recommendations

The numbers you were going to work out by hand.

Safe to draw today

$7,036.85

$7,336

in the business

$0

reserve short

$300

due in 30 days

What can move to personal today

Business cash, less the reserve gap, less the month ahead.

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Q3
Q4

Q3 Sep 15

$3,075.84

5 days

Four payments, with amounts

Computed, not guessed. Two paid, one next, one to come.

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Net worth

$43,516

+$25,889
Personal
Business

Every account, one line

Personal in green, business in clay, one net worth.

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Anthropic$216.00
Business $108.00Personal $108.00

One charge, two books

Split once; each side lands on its return.

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Resend

monthlyup 25% since Aug

$25.00

was $20.00

The subscription that went up

A sustained rise, named on the row.

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  • Pay the next quarter$3,075.84, 5 days
  • Keep the reserve fundedcovered
  • Review 10 transactionswaiting

The queue says what to do

The next thing, with the number. Cleared lines stay, checked.

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Multi-member LLCS corporation

W-2 wages

$24,000

Subject to SE tax

$0

Your share, before the K-1

Wrapper and treatment as two axes.

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Best card for the year

+$864

What a better card would have paid

Ranked against what you actually spent.

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  • Every transactioncsv
  • Schedule C worksheetcsv
  • Entities and K-1 positioncsv
Read-only link, no account45 days

Handed over whole

Five files and a door, not a seat.

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NJ

Two logins, one set of books

One plan covers the household

A spouse in the same books

Their own login, the same rows, one plan.

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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 can see what happened in your accounts. It 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.

Getting started

Connect one account. The rest is computed from your own transactions.

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