For Owner-Operators & Sole Proprietors

Business books
without the QuickBooks tax.

Track revenue, expenses, and profit for your business — and see it next to your personal finances, not buried in separate software. Tax-ready P&L and Schedule C built in. No bank logins, no aggregators, no surprises.

Start free

Business Workspace included with Premium · No credit card to start

No bank linking — ever
You are the data source
No ads. No data selling.

Built for how you actually run a small business.

P&L & Schedule C

A real profit & loss statement, plus a Schedule C export that maps your categories to the right IRS lines. Tax time, handled.

Premium

Receipt Capture

Attach receipts to any expense — or scan one with your phone via a QR handoff and watch it land on your desktop in seconds.

Premium

Revenue Streams

Recurring or invoice-based, fixed or variable. Track each stream and see honest recurring revenue at a glance.

Premium

Tax-Aware Categories

Business categories built around deductions — with contractor (1099) and meals (50%) handled correctly, and transfers kept out of profit.

Premium

Automatic Tax Set-Aside

Set a percentage and your dashboard reserves it from profit, so quarterly taxes never catch you off guard.

Premium

CSV Import That Learns

Import statements from any bank. It remembers how you classify merchants — including transfers — and reconciles balances on your terms.

Premium

Why not just use QuickBooks?

For owner-operators who don't need an accountant's general ledger, CHL is simpler, cheaper, and private by design.

Personal + business, one app

Your money intermingles in real life — so see it together. Switch between Personal and Business with one click; the books stay separate where it counts.

No bank linking. Ever.

We don't connect to your bank or store your login with a third-party aggregator. You enter or import your data — so it stays yours. That's the whole point.

Honest, flat pricing

No per-seat creep, no annual price hikes for features you already had. Business Workspace is included with Premium at $19/mo.

Set up your business in minutes.

1

Create your workspace

Name your business, pick your structure (Sole Prop, LLC, S-Corp…), and set a tax set-aside %.

2

Add accounts & revenue

Your business checking, card, and revenue streams — kept separate from personal.

3

Track expenses

Tap suggested expenses to add them, snap receipts, and import statements.

4

See profit & taxes

Live P&L, margin, tax set-aside, and a Schedule C export ready when you need it.

Start free

Business Workspace with Premium · Your data stays yours

Pricing for business

Run your business books on Premium today. Business+ is coming for growing teams.

Premium
$19/ mo

Business Workspace + everything in Pro.

  • Business Workspace (separate books)
  • P&L report & Schedule C export
  • Receipt attachments + phone scan
  • CSV import & balance reconciliation
  • Household sharing
Get Premium
Coming Soon
Business+
$29/ mo

For growing businesses & teams.

  • Everything in Premium
  • Multiple business workspaces
  • Multi-user team access
  • Invoicing & estimated quarterly taxes
  • 1099 & mileage tools
Coming Soon

Secure payments via Stripe · Cancel anytime · No bank linking