Personal and business money, one set of books
Your whole financial life,
with the tax done properly.
Every account in one net worth. Every business dollar on the right return, and a package your accountant can open without an account.
A free week, no card. Then from $5 a month.
- One ledger, two books
- The return done properly
- Not a bank; read-only
Shown with demo figures, not a customer’s.
Built for independent minds
- Freelancers
- Solopreneurs
- Creators
- Consultants
- Small Business Owners
The problem
Every self-employed review of a finance app ends the same way.
Personal money in one app, business books in another, and in March a spreadsheet for the tax people.
Five things
Everything it does sits under one of these.
The books
One ledger, two books.
Every account in one net worth. Every row personal, business, or both. Nothing filed on the wrong side.
- Every account, one net worth
- Personal, business, or both
- Every row, categorized
- Where it went
Net worth
$43,516
The tax
The number, and whether the money is there.
Not a worksheet. Self-employment tax, your state where it is modelled and the rate you type where it is not, your withholding, the four payments as a schedule, and the reserve judged against a real account.
- The estimate that knows your job
- Four payments, with amounts
- Is the tax money there
- What can move to personal today
Q3 Sep 15
$3,075.84
Reserve
Covered
Safe to draw
$7,036.85
For owners
An LLC is not a tax status.
For S-corps, partnerships, multi-member LLCs and rentals. Each lands on a different return, and Contha has the model: wrapper and treatment as two axes, and your share before the K-1 exists. A sole proprietor can skip this one; Solo covers it.
- Wrapper and treatment, two axes
- Nothing on the wrong return
- Your share, before the K-1
- Basis, and reasonable compensation described
Ordinary income to you
$3,107
W-2 wages
$24,000
Subject to SE tax
$0
Over basis
$22,893
For your accountant
Handed over whole.
Five plain files in the layout a practice imports, and a read-only link that needs no account and stops on its own.
- The five files
- A door, not a seat
- Printable
- An MCP for practices
- Every transactioncsvfirst of five
- Schedule C worksheetcsv
- Mileage logcsv
- Entities and K-1 positioncsv
- Contractors and 1099scsv
Read-only link
No account. Expires on its own.
Recommendations
What a better card would have paid you.
Cards and deposit accounts ranked against your real spending, not a category average. Computed, and the computation is shown.
- Ranked against what you actually spent
- Cash earning less than it could
- Business and personal ranked apart
- Terms with a date on them
Best card for this year’s business spend
+$864
more than your card earned, no annual fee
- Software$412
- Advertising$284
- Travel$168
Ranked on your rows, not a category average.
Not a bank
Contha reads the accounts and holds none of the money.
Nothing here can freeze, hold, close or move an account. If a feed stops, the account is untouched, and every figure it touches says so, in words, until it is back.
Reads
- Balances
- Transactions
- Holdings
Cannot
- Move money
- Freeze an account
- Close an account
Get started
Connect one account. The rest is arithmetic on your own rows.
Or start from a CSV. Two months of history and the estimate, the schedule and the reserve fill in.