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Countorra is an AI-powered personal finance and personal tax platform. You keep your accounts, income and expenses in it, and Countorra turns those records into an overview, reports, insights and preparation for your personal tax return.

Built into it is Ask Countorra, an assistant that answers questions about your money from those same records. Its figures are calculated by Countorra's calculation engine rather than estimated by the AI, and anything it would change in your books waits for your confirmation.

Countorra is software. It is not professional financial, tax, legal or accounting advice, it does not file tax returns, and it never moves money.

Choose Get started and enter your first name, last name, email address and a password of at least 8 characters, then agree to the Terms of Service and Privacy Policy.

Countorra then sends a confirmation link to your email address. Your account becomes active once you open it — see Verifying your email address.

Every Countorra workspace is a personal one. It holds your own accounts, spending and income, the reports and insights built from them, and the preparation of your personal tax return.

Workspaces for freelancers and businesses — with invoices, customers and business books — are not part of Countorra yet. If you have side income, it still belongs on your personal return, and tax preparation includes it.

Onboarding asks who uses Countorra with you. On Countorra Tax it also asks which state you live in, because your state selects the state tax rules Countorra calculates with: California, Texas, Arizona, Florida and New York are calculated, and any other state is federal only for now. Countorra Management calculates no tax, so it never asks. After that, a useful order is:

• Connect your bank so your bank and credit card accounts, and their transactions, come straight from it — they can't be typed in by hand.
• Add cash or a wallet you track yourself as a cash account, with its opening balance, and record its transactions by hand.
• Review the starter categories in Settings → Categories so reports group spending the way you think about it.
• On Countorra Tax, check your state in Settings → Taxes; you can change it there at any time, and your taxes are calculated again under the new state's rules.

A workspace holds one person's or one household's finances, and its data is never visible from another workspace. Each person has one: it is set up when you sign up, and there is no second one to create.

Your partner, and your children on a Family plan, join your workspace from the invitation you send in Settings → Members. Someone who joins your household keeps their own workspace only if it has a plan; one without a plan is archived when they join — kept read-only for 30 days after we email them, so they can export it, then deleted.

The Dashboard is where you land. It opens with a getting-started card until setup is done, your available balance and the things that need your attention, then cards for each part of Countorra: spending this month against last by the same day, your most recent transactions, six months of cash flow with each month's net, Tax Pulse, financial health, net worth with a month's trend, the budget, what's coming up on Recurring, your goals with their pictures, investments, credit, documents and Ask. Every card opens the page that answers it fully, and a card with nothing yet says what it will hold.

Until it's done, a short setup checklist sits at the top: connect a bank, review transactions, set a budget, start your taxes and create a goal. Each step completes itself when it's true in your books. You can hide it.

Customize hides, shows and reorders the cards, and saves your order to your account. On the iPhone, Home has its own Edit, saved the same way.

Every figure on it is calculated from the transactions in the workspace, so it is only as complete as your records.

Ask Countorra appears in the app as “Ask your money”. Ask a question in your own words — “how much did I spend on software this quarter?” — and it answers from the records in this workspace. Balances, totals, profit, margins and comparisons are calculated by Countorra's calculation engine; the assistant chooses what to calculate, not the result.

It can also propose changes: categorising a transaction, recording a transaction or expense, or suggesting a tax figure. None of these happens until someone with permission confirms it. It cannot delete anything, connect banks or move money.

Countorra Management and Countorra Tax have no limit on the number of questions; the Usage page shows how many have been asked this month (see “Usage and limits”).

Transactions are the records everything else is calculated from. Each belongs to an account and is either income or an expense.

• Add a transaction by hand in a cash or wallet account, or import them from a connected bank.
• Categorise one transaction, or several at once.
• Filter by type, category, account, date range and amount, and download what you see as a CSV.
• Attach receipts and other documents from Documents to a transaction.
• Mark transactions as reviewed once you have checked them.
• Delete a transaction you entered by mistake: it moves to Transactions › Recently deleted for 30 days, and you can restore it any time before then. Owners, admins and accountants can delete; other roles cannot. A transaction imported from your bank follows the bank and can't be deleted.
• Every change to a transaction — its category, notes, amount or date — can be undone for 30 days from its Changes list.
• A refund or return is filed under the category of the purchase it gives back (the same merchant, the full amount or part of it, within 90 days) and comes off that category's spending — never income. It shows a Refund badge that opens the original purchase. If no purchase is found, a credit that says it's a refund goes to the merchant's usual category. Turn this off in Settings → Workspace → Categories.
• Money moved between your own accounts, card payments, and buying or selling inside an investment account never count as spending or income — on Budgets, Cash flow, Reports, the Dashboard and in Ask. Dividends, interest and fees still count.

New transactions are checked every hour. Your own rules apply first: a rule says, for example, “if the merchant contains uber, file it under Transportation”, and it applies to new transactions by itself. Rules run in the order you set; the first that matches wins.

Anything a rule doesn't cover is categorized the way you filed that merchant before, or else with your bank's own category. A category you chose is never changed. These transactions stay in Transactions › Review until you mark them reviewed, so you can correct any of them; choose a different category and Countorra offers to make it a rule. Where neither is known, a suggestion from the description waits there for you to accept.

Merchants are filled in from what your bank names them, so recurring payments can be recognised.

Countorra does not keep income and expenses in separate places. Each transaction is recorded as one or the other, so both live in Transactions.

Totals are shown on the Dashboard, in Reports, and by Ask Countorra, which can total income or expenses for any date range and compare one period with another. Figures are on a cash basis: they count transactions when they happen.

An account is anywhere money is kept: a bank account, a credit card, cash or a wallet. Its balance is its opening balance plus every transaction in it.

Bank and credit card accounts and their transactions come from connecting your bank, so they can't be added or entered by hand. Cash and wallet accounts are the ones you add and fill in yourself. Accounts you entered by hand before stay, with their history, and can be connected to your bank so new transactions arrive from it.

Things a bank connection doesn't carry — a home, a car, a loan — can be added on Net worth as values you keep up to date. They hold no transactions.

An account you no longer use can be archived.

If a bank stops updating an account — no new import for a few days, a sign-in it needs, or a balance that hasn't moved for much longer than usual — the account says Balance may be out of date, with why and one fix: Refresh or Reconnect. Net worth still counts it and says how many balances may be out of date. A card that moved to another bank (like Discover to Capital One) is counted once: Countorra asks you to confirm the move, and leaves the old card out from the day it stopped.

Reports show a statement for the date range you choose: income, then expenses by category, then the net — what you saved, or how much you spent beyond what came in — and your savings rate. Each figure is set against the period before: the whole previous month for a month, the same days of last month for a month so far, the same dates last year for a year so far, and otherwise the same number of days just before. Below the statement are the biggest changes by category, the merchants you spent most with, and month by month for longer periods.

Download the statement as a CSV. Cash flow shows twelve months side by side, and Net worth its history by month.

Budget vs. actual lists every budget category — Budgeted, Actual, and the difference in dollars and percent — grouped like the Budget page, with subtotals and a total; over-budget rows are marked. Choose this month, last month, this quarter, year to date, the last 12 months or your own dates (a month your dates cover only in part counts its budget by its share of days; money rolled over from earlier months isn't counted). Click a row to see that category's transactions for the period. Export it as a PDF (a print layout you save with your browser's Save as PDF), CSV or Excel, and it's a tab in the Google Sheets sync.

Each report remembers the period and filters you used last. Saved views keeps named ones ("Groceries this year") — a view saves the period, not the figures, so it always opens on today's books.

Share makes a read-only link to a report as it is now: it lasts 7 days, you can turn it off at any time, and it shows category names and figures only — never an account, account number, merchant or transaction. Anyone with the link can open it, so share it only with people you mean to.

Ask Countorra can prepare the same statement, and compare one period with another.

Insights lists what Countorra has noticed in your records. They're checked every day. Ask Countorra can also flag possibly unusual transactions from the last 30 days, such as unusually large amounts, new merchants or possible duplicates.

Recurring lists payments and income that repeat on a schedule — subscriptions, rent, utilities, pay, interest — which Countorra finds in your history on its own: the same merchant, a similar amount, at a regular interval (every week, every two weeks, twice a month, monthly, every three months or yearly). There's nothing to set up or confirm. Each one shows how often it comes, when it's next expected and how much, and goes straight onto the calendar: Upcoming, the balance forecast and bill reminders. Paychecks are listed as income. A bill whose amount moves, like electricity, shows its typical amount. Transfers between your own accounts, card payments and refunds are never counted.

If one is wrong, Edit it (the amount, how often, the next date, or whether it's a bill or a subscription), mark it Not recurring (you can show it again), or mark a subscription you've cancelled. Your change always wins over what Countorra found. You can also add one by hand.

Mark as paid records a bill's payment now, in one tap. When your bank's own payment arrives — even a few days or dollars off — it takes its place, so it's never counted twice; until then it says it's waiting for the bank. Undo puts the bill back. Split payment splits every payment of a paycheck or a mortgage into parts by percent, from now on.

Recurring › Subscriptions narrows the list to subscriptions: what they cost a month and a year, which went up in price, and what the ones you cancelled save you a year.

Detection needs history: a monthly subscription usually appears after its second or third charge, a yearly one once two renewals are in your history. When a subscription's price goes up, the new price is the one expected next and the rise is flagged.

Cash flow shows a month's income, spending, what was left and your savings rate against last month by the same day, twelve months side by side, what changed most, where the money went by category and by merchant, essential against discretionary spending, and recurring against one-off.

The balance ahead projects your cash accounts (bank, cash and wallet accounts) eight weeks forward from today's balance, the recurring payments and income on your calendar (everything Countorra found on Recurring, with your corrections), and everything else at its usual pace: money in less money out of those cash accounts over up to the last three months. It needs about two months of history first, and until then it says so instead of guessing. It says its lowest point in words first. If it looks like dipping low, Countorra tells you.

Cash flow says when its bank figures were last imported, and warns you when a connection needs attention. Transactions in another currency aren't converted: the page says how many it left out.

Every point in a forecast is labelled actual or projected. A projection comes from your history and isn't a prediction Countorra can guarantee. Ask Countorra can project too — ask something like “what will my balance look like at the end of next month?”.

Budget sets a plan per spending category for each month. A new plan carries into every month after. Changing a plan that already exists changes that month only — past months included, so you can true one up — and the line then offers Use for the following months too. Each line shows planned, spent, the share used against how much of the month has gone, where it's heading if the rest of the month goes as usual, and how it compares with last month and with your 3-month average (for the month in progress, by the same day). Categories at risk are named at the top. Countorra tells you when a category reaches 80% and when it goes over.

Switch months with the arrows (on the iPhone, swipe or tap the arrows); the months either side are read ahead, so a switch is instant. Click a category to see its transactions for that month. Each line's gear opens its panel: Roll over or Reset each month, the balance carried in (unspent money adds to next month, overspending takes from it) with Reset to 0, Add money (a bonus or a gift — it turns roll over on so it carries forward), Move money to or from another category in one step, a 12-month chart, and this month's changes, each with Undo. These change your budget only: Countorra never moves real money.

Save for a bill turns a category into a sinking fund for a yearly or one-off bill — car insurance, holidays, gifts: give it a target and a due month and it shows what you've saved, the date, and what each month needs. It always rolls over, and a yearly one starts its next year on its own after the bill.

Left over is income minus bills (your Fixed categories), spending and savings (what you put into sinking funds or moved to a goal). At the end of a month you can Move $X to savings — to a goal or a sinking fund; it records where the money is meant to go, and moves nothing. For the month in progress, Projection shows your cash balance at the month's end and 3, 6 or 12 months out, from your balance, recurring income and bills, and your usual spending, with a what-if ("I cut dining by $200 a month"). It is a projection, not a promise.

Goals tracks saving up or paying a debt down. Progress counts the accounts you link plus anything you add by hand, and each goal shows what's left, what a month needs to keep the date, your pace so far, whether you're ahead of or behind a straight line to the date, and when your pace gets you there. Projections use your numbers and your pace so far; they aren't financial advice.

Net worth adds up your accounts, the investment and loan balances your bank connection reports, and anything you value by hand, with the history by month from the day Countorra started recording it. An account added later, or with no history, is drawn from its first known balance, so the chart doesn't jump; a bank you reconnect carries its history over instead of counting twice; an archived account stops after its last balance. Each account has a switch to count it or leave it out — just for you.

After-tax net worth sits beside it: your net worth less the tax Countorra calculates would be owed if your pre-tax retirement accounts (traditional 401(k), IRA and the like) were withdrawn and your investments with a gain were sold this year, on top of this year's income. How this is calculated explains it, and what it leaves out: the 10% early-withdrawal tax, holding periods (every gain is treated as long-term) and itemized deductions.

Investments shows each investment and retirement account's value, grouped by what it's for, and the interest and dividends paid into your bank this year. Holdings — each security's quantity, price and value, and the gain where your broker reports a cost basis — appear on Countorra Management and Countorra Tax; Countorra reads them from your brokerage and retirement accounts once a day. A bank connection made before they were added asks you, on the Bank connections page, to update it once to share them.

On Debts, Add a loan keeps a loan or mortgage your lender doesn't connect: the amount, rate, term and start date. Countorra calculates the schedule — each payment split into interest and what comes off the balance — and the balance goes down on each payment date, in your net worth too. Money owed to you tracks a loan you gave: record repayments as they come in; they lower what's owed and never count as income. If the money lands in a connected account, mark that deposit as a transfer.

Debts and credit shows what you owe on cards and loans, and how much of each card's limit you're using when your bank reports both what you owe and the credit still available. Card and loan payments on Recurring are listed with their dates. On Countorra Management and Countorra Tax, each card's and loan's rate, minimum payment and due date appear beside it as your lender reports them, with about what a month of interest costs at that rate. Countorra doesn't show a credit score.

Upload PDF, JPEG, PNG, WEBP, TIFF, BMP or HEIC files of up to 20 MB. Documents are stored privately in the workspace. HEIC photos are kept but can't be read — save them as JPEG to have them read.

Countorra works out what each upload is. For a tax form — a W-2, a 1099, a 1098, an SSA-1099 and others — it reads the boxes and shows them to you as "We found your 2026 W-2 from…". Check them, change anything that's off, and choose Confirm (or press ⌘↵, Ctrl+Enter on Windows): the figures go into Tax preparation for that year, each marked with the document it came from.

Nothing read from a document is used until you confirm it. A box that couldn't be read stays empty — Countorra never guesses a value — and a box read unsurely asks you to check it first. If the form doesn't show its tax year, you're asked which year it is.

Two W-2s from two employers add up. Uploading the same form twice is spotted before it's counted twice.

Photos and scanned PDFs are read with text recognition (OCR). A W-2 is also read by a processor built for W-2s, and a receipt or invoice by a reader built for that kind of document, which picks out the merchant, the date and the totals.

To delete a document, open the menu (⋯) on its row and choose Delete; Undo is there for 5 seconds. Deleting is permanent: the stored copy, everything read from it and its match to a transaction are removed, and any figures it put in Tax preparation are withdrawn from it (the history keeps that they were there). Owners, admins and accountants can delete documents.

Bank connections are part of both plans. Choose Connect a bank and Plaid opens: you pick your bank and sign in there. Countorra never sees or stores your bank username or password.

When the connection is made, Countorra creates an account for each checking, savings and credit card account at that bank, brings in its posted transactions, and keeps its balance equal to what your bank reports. Pending transactions appear once they post, never twice.

Loans, investment and retirement accounts, and other account types aren't imported as accounts with transactions; their balances, as your bank reports them, count toward Net worth, Investments and Debts. If you already kept an account by hand, Countorra asks whether to continue it — matching your entries instead of adding them twice — or import the bank account as a new one.

You can connect several banks. If a bank asks you to sign in again, the account shows Needs sign-in with a Reconnect bank link; your accounts and history stay as they are. If bank connections are not available on your plan, the Bank connections page says so — cash you track yourself can still be recorded by hand.

Imported transactions go into the account you chose, kept apart from the ones you recorded by hand. Countorra checks each against your own entries. Where one might already be in your books, it waits for you to decide: import it as a new transaction, or don't import it.

A connection can be connected, need you to sign in to your bank again, or be disconnected. If it needs signing in again, Plaid opens so you can do that.

Owners and admins can disconnect a bank from the Bank connections page. Countorra stops importing from it. Transactions that were already imported stay in your books.

Your financial records stay in your workspace and are visible only to its members. Changes to financial records are also written to an audit log that cannot be edited, and is kept for 24 months.

When you use Ask Countorra, your question and the records needed to answer it are sent to the AI provider, Anthropic, to produce the answer. Documents you upload are read by Google Document AI or, for receipts, invoices and bills, AWS Textract. Countorra does not sell your data or use your financial data to train AI models.

To remove your data, delete your account — see Deleting your account.

On Transactions and on Reports, Download Excel sits beside Download CSV. The workbook opens with a title row and a frozen, filterable header; dates are dates and amounts are numbers in a money format, so you can sort and sum straight away.

Transactions exports what you're looking at, with the filters you chose. Reports exports the statement for the period you picked. Text that looks like a formula, such as a merchant name starting with =, stays text.

The file is made when you download it and goes only to you. It works in Microsoft Excel, Apple Numbers and Google Sheets.

In Settings → Integrations, open Calendar feed and choose Make a calendar address. Then choose Add to Google Calendar, Add to Apple Calendar or Add to Outlook (with a separate link for a work or school Outlook). Any other calendar that subscribes by URL takes the address itself. Outlook can take a day to show changes.

The feed holds the federal and your state's tax deadlines as published, and the next 90 days of bills, subscriptions and paydays from Recurring, as all-day events. Your calendar checks it every few hours; the sheet shows the next three events.

The address is private: anyone who has it can see these events. Make a new address to retire the old one, or turn it off; calendars using it stop updating. It stops on its own if you leave the workspace.

In Settings → Integrations, open Receipts by email and choose Make a forwarding address. Send or forward receipts to it: a PDF or photo attached to the email is kept as it is (up to 3 MB each), and a receipt written in the email itself, as Uber, Lyft, DoorDash and Amazon send them, is kept as a PDF of its words. Each is read and matched to its charge on Receipts.

Only your own addresses can send to it: the email you sign in with, and addresses you add under Who can send to it. Adding one emails it a link; once the link is used, mail from that address is accepted. Email from anyone else is dropped and counted, never kept.

To forward receipts on their own, open Forward receipts on their own in the same sheet and pick your email service. Gmail: add your forwarding address under Settings → Forwarding and POP/IMAP, enter the confirmation code Gmail sends (it appears on Documents), then make a filter from the ready-made search that forwards to it. iCloud Mail: on icloud.com, add a rule per word (receipt, invoice, order confirmation) that forwards to it. Yahoo Mail: forward receipts by hand; Yahoo's automatic forwarding sends all your mail, not only receipts, so leave it off. Outlook: connect it directly with Outlook receipts instead.

The forwarding mailbox must be your sign-in email or an address you've added.

Receipts by email is part of Countorra Tax. Make a new address to retire the old one, or turn it off; receipts already received stay in Documents.

In Settings → Integrations, open Outlook receipts, read what Countorra does, and choose Connect Outlook. Microsoft asks you to sign in and to let Countorra read your email. It works with Outlook.com, Hotmail, Live and Microsoft 365 accounts.

As new email arrives in your Inbox, Countorra looks at who sent it and its subject. When it's a receipt, Countorra keeps the PDF or photo attached, or the receipt's words as a PDF, in Documents, where it's read and matched to its charge. Nothing about any other email is kept or logged. Countorra can only read: it never sends, moves or deletes email.

Leave Also look through the last 90 days on to find the receipts you already have. Disconnect anytime: Countorra stops at once and deletes its access. To remove it from your Microsoft account too, open account.microsoft.com → Privacy → Apps and services, or myapps.microsoft.com for a work or school account.

On Documents, choose Upload document, then Google Drive. Google's own picker opens. The first time, Google asks you to allow access to the files you pick; Countorra never sees the rest of your Drive.

The file you pick is copied once and read like any upload: PDFs and photos, up to 20 MB. A Google Doc or Sheet needs saving as a PDF first (File → Download → PDF).

On Documents, choose Upload document, then Dropbox. Dropbox's own Chooser opens; pick a file and Countorra copies it once, through a link that works for four hours, and reads it like any upload: PDFs and photos, up to 20 MB.

Countorra never has access to your Dropbox account or its other files.

Choose Connect Google Sheets and pick your Google account. Countorra makes one spreadsheet called Countorra in your Drive, with tabs for Transactions (the last 12 months), a Monthly summary, this month's Budgets, Subscriptions and Goals, and on Countorra Tax a Taxes tab with where your year stands as Countorra calculated it. Google lets Countorra open that one spreadsheet and no other file in your Drive.

It updates every hour, and Sync now updates it at once. It's one-way: Countorra rewrites its tabs and never reads what you type; add your own tabs and Countorra leaves them alone. Disconnect and the spreadsheet stays in your Drive, no longer updated.

Choose Connect Notion and, in Notion's window, pick the one page Countorra may write under. Countorra adds three databases there — Transactions (your newest 500), Subscriptions and Goals — a summary page for each month, and on Countorra Tax a tax checklist. Notion lets it see that page and nothing else.

It updates every hour, writing only what changed, and Sync now updates it at once. It's one-way: Countorra never reads your other pages. Disconnect and everything it wrote stays in your Notion.

Payroll connects to your payroll provider through Plaid: you find your employer or payroll provider in Plaid's window and sign in there, and Countorra never sees your payroll login. Plaid says it covers about 80% of the US workforce; if yours isn't there, upload a pay stub on Documents instead. Countorra reads your newest pay stub of the year (employer, pay date, gross pay, the federal and state income tax withheld, and any bonus, commission or stock pay on it) and shows it to you; Use in Tax Alarm saves it.

Payroll is part of Countorra Tax and Countorra Tax Family, and it's optional: connect it from Settings → Integrations or from the Tax Alarm when you want to. It opens once your plan starts, after the free trial.

Payroll can be connected once a year. Countorra keeps the figures from that check for 12 months, so if you disconnect and come back you can use them without connecting again; you can remove them from the same place. Once connected, Update from payroll asks your payroll provider for your newest pay stubs, once every few months; the sheet shows when it's next available.

Tax preparation gathers a tax year in one place: the taxpayer and filing status, income, deductions and payments, and dependents. Add wages from a W-2, self-employment profit, withholding and similar figures, then see what the supported rules produce.

Only confirmed figures are used in a calculation. Figures suggested by Ask Countorra or read from a document wait for your review. Countorra records whether a tax ID exists, never the number itself, and it does not decide whether someone qualifies for anything.

• Federal results are before tax credits: the Child Tax Credit, the Earned Income Tax Credit and other federal credits are not included, so the real federal tax may be lower. California's exemption credits and Arizona's dependent credit are included; other state credits are not.
• Each result is labelled: Calculated, From state law (a figure worked out from the state's law that nothing official confirms yet), the name of an official method (California's 2026 figure says "FTB 2026 method"), Incomplete, or Not available.
• Wages, self-employment profit, interest, dividends, unemployment, taxable retirement distributions and Social Security benefits are calculated. Capital gains, rental, K-1 and other income are not yet — if you confirm any, the result is marked incomplete and no refund is stated.
• What needs attention lists every blocker with a way to resolve it.

Open a transaction and tick Business expense (Business income for money in). Countorra offers a Schedule C line from the transaction's category; choose another if it fits better. Money in goes on line 1, gross receipts; a charge goes on one of the expense lines, 8 to 27a.

To do it for every charge from a shop, make a rule: When a charge at the shop → Mark it as business (Schedule C), and choose the line. Rules apply as transactions arrive, and Apply to the past reaches the ones you already have.

Countorra adds up what you mark; it doesn't decide what is deductible. Meals (line 24b) are added up in full, and your accountant applies the deductible part. Depreciation, business use of your home and cost of goods sold aren't marked here.

On Taxes, choose Download for my accountant. Countorra makes the year's file in a few seconds and your browser downloads it.

Inside: transactions.xlsx (a Schedule C sheet adding up your business transactions line by line, your business transactions, and every transaction of the year), income-summary.pdf (money in by category and by month), tax-summary.pdf (the figures Countorra calculated, labelled "Calculated by Countorra; not a filed return"), a receipts folder with each receipt attached to one of the year's transactions, named by date, shop and amount, and README.txt, which says what each part is.

The file is made only for you and isn't sent anywhere. Countorra keeps it for 24 hours so the download can finish, then deletes it. A very large receipt may be left out; README.txt names it.

In Settings → Sharing, enter your accountant's email, choose what they can see, and send. Taxes only shows the figures Countorra calculated, your documents and the file for your accountant. Everything also shows your transactions and accounts. You can set an end date: the last day they can look.

Your accountant opens the link in the email and signs in, or creates a free Countorra login, with that address. They can look and download, but can't change, connect or delete anything, and they never become a member of your workspace.

Settings → Sharing shows who has access, when they last looked, and everything they viewed or downloaded. Remove access there and it ends at once. Sharing is part of Countorra Tax; on another plan it stops.

Tax Alarm finds the paychecks and side income (Uber, Etsy, Upwork and similar) in your bank deposits and asks you once what each payer is. Only what you confirm counts. Because your bank only sees pay after tax, it asks for one paystub to learn your real salary and the tax already taken out; you can upload it to Documents or type in the figures.

From that it projects the year's income to December 31 and calculates the tax with the same engine as Your taxes, then sets what is withheld and any estimated payments against it. When you go from a refund to owing money, or the figure moves by more than $300, it tells you in the app and by email, with one action and an exact amount: extra withholding on line 4(c) of your W-4, or a sum to set aside each month until April. Tap any number to see how it was calculated.

One-off pay — an RSU vest, a bonus, a commission — is counted once, never for every paycheck left. On the paystub, say how much of the gross is one-off pay, this paycheck and year to date; payroll and a read paystub fill it in for you to check. If you leave it blank, a paycheck far above your usual one is treated as a one-off. Add the vests and bonuses still to come under Vests and bonuses still to come: each is counted on its date, withheld at the 22% federal supplemental rate (37% on supplemental pay above $1,000,000 in a year) unless you enter your employer's rate, and at California's 10.23% (6.6% for a commission), New York's 11.70% or, in Arizona, your Form A-4 rate (set it under For the calculation; 2.0% until you do — Arizona's tax itself is a flat 2.5%). When your own tax bracket is higher than the rate withheld, Countorra calculates the difference you'll owe in April.

Once your W-2 for the year is confirmed on Your taxes and your paychecks have stopped, Tax Alarm uses its box 1 wages and box 2 withholding instead of a projection.

Under every projection, Based on these accounts and paychecks lists exactly what it was calculated from: the accounts your counted pay landed in (name, bank and last four digits only), each paycheck and side income with how it is counted (paystub, W-2 or deposits), the year's withholding, and each estimated tax payment you recorded. You see it on the Tax Alarm, on Settings → Taxes, on Lifeline and in the iPhone app.

When the data looks incomplete, a notice says what is missing, how it can change the number, and the one thing that fixes it: an income account that isn't connected or needs you to sign in again, a bank that hasn't updated for more than 3 days or whose balance hasn't moved for far longer than usual, an account whose history starts after January, a month with no paycheck from a regular payer, or a paycheck that is late. Fix it and the Tax Alarm recalculates.

• It is a projection of the year from the income so far: a new job, a raise or a quiet month changes it, and it recalculates when new income arrives. A single large deposit, such as a cash bonus, isn't read as a raise.
• Federal results are before tax credits, so the real tax may be lower. Side income is counted before the business expenses you enter.
• Tax Alarm is part of Countorra Tax. Its emails follow the Taxes topic in Settings → Notifications.

Side income (Uber, Etsy, Upwork, 1099 work) has no tax taken out, and the IRS asks for that tax in four payments with Form 1040-ES: for 2026, on April 15, June 15 and September 15, 2026, and January 15, 2027. California (Form 540-ES) asks for three — 30%, 40% and 30%, with none in September — and New York (IT-2105) and Arizona (140ES) have their own.

From 30 days before a payment, the Tax Alarm shows it if you have side income you've confirmed, or if you're on course to owe $1,000 or more beyond what's withheld and your withholding covers less than 90% of the year's tax (Form 1040-ES's test, which also allows 100% of last year's tax — enter it on the Tax Alarm to use it). If your paychecks' withholding covers your tax, it doesn't ask.

The amount is what's still owed for the year after withholding and the payments you've recorded, spread over the payments left (California's by its 30/40/30 weights), rounded up to the dollar. Tap it to see how it was calculated. About ten days before, and the day before, you're reminded in the app and by email, with the amount.

Countorra doesn't make the payment: pay on IRS Direct Pay or EFTPS, or your state's own site, then record it on the Tax Alarm. It's saved on Your taxes as an estimated payment for that year, and the next one is calculated from what's left.

• The figures come from a projection of the year, so they change as your income does.
• A notification on your iPhone's lock screen says only that a payment is due, never the amount.
• This amount is what leaves nothing to pay in April. The quarterly view below shows the smaller amount the IRS requires to avoid a penalty.

The Tax Alarm shows this view when you have side or self-employment income it counts and your withholding for the year covers less than 90% of the federal tax Countorra calculates. It says either "You're on track for the safe harbor amount" or "You're $X short for the next quarterly payment", with the date it's due.

The safe harbor is the smaller of 90% of this year's tax and 100% of last year's (110% when last year's AGI was over $150,000, or $75,000 if you're married filing separately). Paying it in four equal parts by April 15, June 15, September 15 and January 15 avoids the IRS underpayment penalty; a date that falls on a weekend or legal holiday moves to the next business day. Withholding counts as paid evenly through the year, and an estimated tax payment counts from the day you record it. If you'll owe less than $1,000 after withholding, nothing is required.

To use last year's figure, enter last year's total tax and AGI from your return (the return must cover a full 12 months). Until you do, the view uses 90% of this year's tax only, and says so. Clearing the total removes both.

It covers federal tax only. Countorra calculates; it doesn't make or file anything: you pay on IRS Direct Pay or EFTPS. The annualized income method, farming and fishing, and fiscal years aren't covered.

Tell Lifeline what happened (you lost your job, your hours or pay were cut, your side income stopped, or something else changed) and which income stopped. From your own accounts it works out how many weeks your cash lasts at your real spending, and how much longer with the plan.

The plan lists what to do first, with real deadlines: applying for unemployment, choosing health coverage within the 60 days you have, pausing the bills you can live without, calling your lenders about hardship programs before a payment is due, and more. For California, New York, Texas, Florida and Arizona it shows about what your state's unemployment insurance would pay each week, from the state's own formula. With Countorra Tax, it also shows what the change does to your taxes in April.

• If a regular paycheck hasn't arrived four days after its usual payday, Countorra asks whether something changed, with Lifeline one tap away. Banks are sometimes late, so it only asks.
• Benefit figures are about what your state pays: the state decides whether you qualify and the exact amount when you file.
• Countorra doesn't cancel anything for you: pause each bill with the company, then mark it in the plan. When your income is back, close the plan; it is kept.

Family is part of Countorra Management Family ($16 a month) and Countorra Tax Family ($22 a month): the same plans, with your children added. Your partner is free on every plan; Family is for households with kids.

Add a child in three steps: their first name and birthday; their money; their allowance. For their money, Connect their bank or card signs in to the bank as you, and every account it brings in is theirs from the start: Chase First Banking, Capital One MONEY and Wells Fargo teen accounts sit under a parent's own login. You can also give them accounts already here, or add a card that can't connect (Greenlight, Apple Cash, Cash App) and keep its balance up to date yourself. You and your partner manage everything; a child can also have their own login (below).

Purchases on a card a child uses as an authorized user arrive mixed with yours: mark them on the transaction, or make a rule such as "Roblox is always Alex's".

• The Family page starts with Needs you (a request to decide, an allowance to pay or to confirm, a child near their limit), then one card per child, never added together: their balance, this week, allowance, a goal and their last purchase.
• You both get a notification when a child reaches 80% of their monthly limit and when they reach it. Countorra doesn't block their card.
• Countorra doesn't move money. On payday, Pay opens Venmo, PayPal or Cash App with the amount and note filled in (for a bank transfer or Zelle it shows the details to copy). When the payment shows up in your accounts, the payday is marked paid on its own; if Countorra isn't sure, it asks once. Paid in cash? Mark it paid.
• A request is something a child wants, with its price. Countorra reads it against their limit, their balance and their savings goal, and you approve it, decline it, or turn it into a plan: so much a week, kept as their goal.
• On a transaction's page, For marks something you bought for a child, so the Family page can show what each child cost this month.
• Household lists your bills and renewals from Recurring, with Who pays to give each one to you or your partner, a warning when the next 30 days look tight (naming the bills behind it), and the household's budgets: groceries, the home, utilities, childcare.
• Family goals are ones you save toward together, like a vacation or a first car. Each says what it needs a month, whether you're on track, how it compares with what your household keeps after spending, and who put in what. Add to it records money put in, yours or a child's.
• Warnings lists what's worth a look, most important first and never more than eight: a tight balance ahead, a charge that looks doubled, spending unusual for that person, a bill that went up.
• Their login, on a child's page: a child of 13 or over can get an email invite or a sign-in code; under 13, the workspace owner first gives parental consent, confirmed by the Family plan's card payment (so it opens after the first payment, not during a free trial), and then the child signs in with a code. A child sees only their own money, can ask for things and tick chores, and has savings targets, short lessons and a money tutor. They can't move money, connect a bank or see yours. Turn their login off at any time.
• Ask about your family opens Ask Countorra with a question already asked, such as "Can we afford a $2,000 vacation?" or "When can Maya afford the headphones?". It answers from your family's accounts and offers a plan; it can't move money or change anything.

Tax support is limited, and deliberately specific:

• Country: the United States only.
• Tax year: 2026.
• Federal: federal income tax and self-employment tax, calculated under the IRS's published 2026 rules.
• State income tax: California, New York and Arizona. New York covers New York State only, not New York City or Yonkers tax.
• Arizona: its 2026 standard deduction is worked out from Arizona law and confirmed by the enacted legislation, so the result is labelled Calculated. The exemption for people 65 or older and the dependent tax credit are included.
• California: the Franchise Tax Board hasn't published its final 2026 rate schedules yet. Its own 2026 estimated-tax instructions (Form 540-ES) prescribe how to work out 2026 tax until then — the 2025 tax table, standard deduction and exemption credits — and Countorra uses exactly that method and names it on the result. A filed 2026 return uses the final schedules, so it can differ slightly.
• Texas and Florida are recognised as having no state income tax.
• Other states and countries: not supported yet.

Tax filing checks whether your prepared tax information is ready and lists what is stopping it. You can then create a filing snapshot — an unchangeable record of the version under review — and finalise it. Only owners, admins and accountants can finalise.

Finalising locks that version inside Countorra. It does not file or submit anything to a tax authority. Export the filing package for whoever files the return; exports are preparation summaries, not filing forms.

Income, expenses, profit and margin are calculated from the transactions in your workspace on a cash basis. Sales tax and VAT are not looked up: the assistant can apply a rate you give it, but that arithmetic is not the tax owed.

Countorra accounts use an email address and password. On the sign-in and sign-up pages, Continue with Google uses your Google account instead: Google tells Countorra your name, email address and profile picture, and never your Google password. Signing in with Apple or another provider is not available on the web.

If you turned on two-step verification in Settings → Security, signing in then asks for the six-digit code from your authenticator app.

Lost your authenticator app? At the code step, choose “Email me a link to remove it” and open the link in the same browser within 15 minutes. It removes the authenticator and signs you out everywhere; then sign in with your password and set up a new one.

After 10 minutes without activity you are signed out, and signing in again brings you back to the page you were on. A minute before, a notice offers “Stay signed in”.

After several failed attempts, sign-in is paused for a while to protect the account. If that happens, wait and try again, or reset your password.

After signing up, open the confirmation link in the email Countorra sends you. Open it in the same browser you signed up in and you are signed in straight away. Opened on another device, it still confirms your address — you just sign in afterwards.

If the email doesn't arrive, check your spam or junk folder. If it still isn't there, write to support.

On the sign-in page choose Forgot password? and enter your email address. Countorra emails a reset link. Each link works once and expires; if yours has, request a new one.

To change your password while signed in, go to Settings → Security. Countorra sends a confirmation link to your email address, and the password does not change until you use it.

Settings lists its sections on the left (on a phone, as a list), with Search at the top. Changes save on their own as you make them — a name when you leave its field, a switch as you flip it — and "Saved" shows beside it.

• Profile — your photo, your name as other members see it, and light or dark.
• Plan & billing — the workspace's plan, the card it's charged to, invoices and usage.
• Connected accounts — the banks this workspace imports from.
• Notifications — what Countorra tells you about, in the app and by email, and the weekly recap.
• Security — your password, two-step verification, and where you're signed in.
• Data & privacy — export your data, the privacy policy, and deleting your account.
• Workspace — its name, country, currency and categories. Members — everyone with access to the workspace.

Settings → Notifications lists each topic (bank connections, large transactions, bills, budgets, goals, taxes and more) with a box for In Countorra and one for Email. Each change saves on its own.

The weekly recap is one email every Monday morning: what you spent and received last week against a usual week, where the money went, your budget for the month, bills due this week, any large transactions, suggestions waiting for review, and, with Countorra Tax, your tax position. It is on unless you turn it off, and it isn't sent for a week with nothing in it.

Every one of these emails has an unsubscribe link. Account, security and billing emails always arrive.

In Settings → Members, the workspace's owner enters their partner's email and chooses Send invitation. The partner gets an email with a link that works for 7 days, and only for that address. They create an account (or sign in to the one they have), confirm their email, and choose Join. You get an email when they've joined.

Joining is free: the workspace's plan covers everyone in it, up to 6 people. Each person has their own login, two-step verification and notification choices; the accounts, transactions, budgets and goals are shared, and either of you can connect a bank. Nothing can be hidden from the other person.

Only the owner invites people, removes them and manages the plan and billing. A partner can leave at any time from the same page. When someone leaves or is removed, their access ends at once and everything they added stays in the workspace.

Invitations not yet accepted are listed under the members, where the owner can send them again (a new link) or cancel them. Roles go beyond partners and are enforced by the database itself:

• Owner — everything, including members, the plan and billing.
• Full access (how partners join) — read, add, change and delete records, and connect banks.
• Accountant — read, add, change and delete records. Manager and employee — read, add and change, but not delete. View only — read only.
• Owners, partners with full access, accountants and managers can confirm changes proposed by Ask Countorra.

Once two people share a household, every account can be Shared or one person's. On Accounts, choose Edit owners and pick for each account; its transactions follow it. Countorra asks for this right after someone joins, and you can keep everything Shared instead.

A single transaction can belong to someone else than its account: open it and change Whose. To give several at once an owner, tick them on Transactions and choose Whose…. A rule can do it too, for example marking everything from the gym as one person's.

Accounts, Transactions, Reports and Cash flow have an owner filter: Everyone, Shared, or one person. Budgets, goals, recurring payments and the cash-flow forecast always show the whole household.

Nothing can be hidden: everyone in the household sees every account and transaction. When someone leaves, what they owned becomes Shared; nothing is deleted.

Protection is built into the database and the server, not only into the interface. The Security page describes each of these in detail:

• Every table holding financial data is protected by database rules scoped to workspace membership. One workspace's session cannot read another's data.
• Documents are stored privately per workspace, and download links expire within minutes.
• Changes to financial records are written to an append-only audit log.
• Bank sign-in happens in Plaid's window, and the access key Plaid issues is encrypted before it is stored.
• Two-step verification with an authenticator app can be turned on in Settings → Security, and you are signed out after 10 minutes without activity.
• Anything the assistant would change waits for confirmation.

Settings → Data & privacy → Delete account permanently deletes your account and every workspace no one else uses. You will need your password — or, for an account created with Google or Apple, to have signed in with it in the last 10 minutes. An account linked to an Apple ID also confirms with Apple once more, so Countorra's access to that Apple ID ends with the account.

Before anything is deleted, Countorra cancels the paid subscription of each of those workspaces and confirms that nothing can be charged again. If that cannot be confirmed, nothing is deleted. Deletion cannot be undone.

A subscription bought in the iPhone app is billed by Apple, and deleting your account does not stop it: cancel it on your iPhone, in Settings → your name → Subscriptions. The dialog tells you when one of your workspaces has one.

If you are the only admin of a household other people use, make another member its admin first: Settings → Members → Make admin. You then become a member, and deleting your account removes only you.

Both plans include Ask Countorra. They are billed monthly in US dollars through Stripe and renew automatically every month until you cancel.

A subscription belongs to a workspace: each workspace has its own plan. The free trial belongs to your account, not to a workspace — see “The seven-day free trial”.

• Countorra Management — $9 a month. Dashboard, accounts, transactions, bank connections through Plaid, budgets, recurring payments and subscriptions, cash flow, reports and goals.
• Countorra Tax — $15 a month. Everything in Management, plus Tax Pulse, Tax Alarm, tax preparation and document reading.
• Neither plan limits questions to the assistant, active bank connections or workspaces, and Countorra Tax doesn't limit document pages read (see “Usage and limits”).
• Priority support is not available yet on any plan.

A new account starts its first plan with a seven-day free trial. A card is required to start, and nothing is charged during the trial.

The trial ends exactly seven days after it starts; Settings → Plan & billing shows the date and time. Cancel before then in Settings → Plan & billing and nothing is ever charged. Otherwise the plan's monthly price is charged when the trial ends, and every month after until you cancel.

There is one free trial per account, not per workspace: deleting a workspace or creating a new one does not start another. An account that has already used its trial pays from the first day.

Settings → Plan & billing always shows when your trial ends; we also send a reminder email a few days before it does.

The workspace's owner cancels in Settings → Plan & billing with Cancel plan, under Cancellation. The page confirms the cancellation on screen, and Countorra emails a confirmation. Changed your mind? While the plan is still running, the Keep button in the same place (Keep Countorra Management or Keep Countorra Tax) undoes it.

Cancelling during the trial means nothing is charged, ever; Countorra keeps working until the trial ends. Cancelling after the trial stops the next renewal; the plan stays active until the end of the month you paid for. Countorra needs an active plan: when the trial or plan ends, the workspace is paused until you choose one, and your data stays where it is.

Change plan in Settings → Plan & billing lists the plans, with and without Family. Moving up is charged today, prorated; moving down is credited toward your next invoices. The exact amount, from Stripe, is shown before you confirm, and the renewal date stays the same.

Payments are handled by Stripe. Under Payment you can add a payment method, keep a backup card in case your default is declined, make another card the default, update a card or remove a backup; the card is typed into Stripe's own form on the page, and Countorra never sees the card number. Your invoices are listed under Invoices, each with its PDF to download.

If a payment fails, Stripe tries it again over the following days, and your workspace keeps working meanwhile, with a banner asking you to update your card.

If no payment goes through, the workspace is paused: Countorra shows one screen where you can choose a plan, manage billing, export your data or delete your account. Nothing is deleted: your records stay where they are, and everything comes back when you pay.

To fix it, update your card or add another one in Settings → Plan & billing → Payment.

Payments already made are not refunded automatically: cancelling stops the next renewal and the plan stays active until the end of the period you paid for. A cancelled trial is never charged. If you think you were charged in error, write to support@countorra.com.

Countorra Management and Countorra Tax have no fixed limits: no cap on questions to the assistant, on active bank connections or on workspaces, and on Countorra Tax none on document pages read.

To protect the service from automated abuse, Countorra limits how quickly some things can be done — asking questions, uploading and reading documents, connecting and refreshing banks. Normal use doesn't meet these limits; if a request is refused, the message says how long to wait.

If the assistant or the document reader is busy or temporarily unavailable, the request stops without changing anything and you can try again. Your question stays in the conversation, and a document stays stored and can be read again from its page.

The Usage page shows how many questions the workspace has asked this billing month and how many banks are connected now.