Contra
Self-hosted personal finance for one
Contra is a single-user personal-finance application built around double-entry bookkeeping. It runs on its owner's local hardware and is not offered as a service.
What it does
Contra ingests transactions from connected financial institutions via Plaid, organizes them into a double-entry ledger, and renders reports — net worth, income statement, cash flow, budgets, loan amortization, and investment holdings — for the account owner's personal financial review.
- Real double-entry accounting with strict zero-sum validation.
- Local-only deployment; the application is not exposed to the public internet.
- Plaid integration for transaction sync, balance reconciliation, and investments.
- Optional local LLM assistance for transaction categorization.
Who uses it
One person. Contra is built and operated by its sole user for tracking their household finances. There are no other accounts, no sign-ups, no commercial offering. The single-user model is intentional and not a business strategy in transition — the codebase has no multi-tenancy and no plans to add it.
Privacy
Plaid is the only third party that receives any of the user's financial data, and only for the explicit purpose of transaction sync against accounts the user has personally linked.
All other data — categorizations, reports, budgets, annotations, derived analyses — is stored and processed exclusively on the user's local hardware. None of it is transmitted to any external service. There is no analytics, no telemetry, no third-party advertising integration, and no data sharing of any kind.
Backups are encrypted and stored on the user's own infrastructure. There is no cloud sync.
Data handling
- What is collected: transaction records, account balances, and investment holdings retrieved via Plaid from financial accounts the user has personally linked through Plaid Link.
- How it is stored: in a local SQLite database on the user's own hardware. Nightly encrypted snapshots to user-controlled storage.
- How it is used: exclusively for personal financial reporting and review by the account owner.
- Retention: at the discretion of the account owner. The user controls disconnection of any Plaid Item at any time.
- Sharing: none.
Terms
Contra is operated for personal use by its sole user. It is not offered as a service to any other party. There are no terms of service in the consumer sense because there are no consumers.
Contact
For matters relating to this application's Plaid integration or the contents of this page, contact the operator at contra@bithaven.cloud.