Track today. Forecast the future. One app for your whole financial life.
Most money apps do one or the other. Tally does both, always in sync — so you see exactly where you stand today and where you're headed, for less than the cost of a single budgeting app.
Know exactly when your money runs out — then make sure it never does.
Most people have no idea. They guess, hope, or just don't think about it. Tally gives you a real, data-driven answer — and the tools to change it.
One system for both halves of your money
Most tools do one or the other — a budgeting app that can't see your future, or a planner that can't see your spending. Tally does both, and keeps them in sync, so your plan always reflects your real numbers.
Manage today
- Every account connected — banks, cards, brokerages
- Spending auto-categorized and tracked
- Budgets with real budget-vs-actual
- Net worth and performance, always current
Plan for life
- A lifetime forecast built from those exact numbers
- Monte Carlo simulation — the odds your plan holds
- What-if scenarios for any life decision
- An AI advisor that reads your whole picture
Two tools in one — for less than most charge for either.
How It Works
Four steps to financial clarity
Connect Your Accounts
Link 2,000+ banks via Plaid, brokerages via SnapTrade, or import from Google Sheets and CSV.
Auto-Categorize & Track
AI categorizes transactions automatically. Set budgets with monthly granularity. Review and approve with one click.
Forecast Your Future
A year-by-year projection to end of life with full tax modeling, Social Security, RMDs, and debt payoff.
Model What-If Scenarios
Retire early, buy a house, change jobs — compare any life path side-by-side against your baseline.
See the actual product
Not mockups — the real screens you'll use every day.
Your whole picture at a glance
Net worth, runway, cash flow, and budget-vs-actual — the moment you log in. This is the "manage today" half.
The odds your plan actually holds
Tally runs your plan through thousands of randomized market futures — so you see a real probability your money lasts, not just one hopeful line.
A forecast to the end of your life
Year-by-year net worth with full tax modeling, Social Security, and debt payoff — built from the very numbers you already track.
Everything you need in one place
Bank Connections
Connect 2,000+ banks via Plaid, brokerages via SnapTrade, or import from Google Sheets and CSV.
Smart Categorization
3-tier AI pipeline: your rules first, then description history, then AI suggestions. You approve everything.
Budgeting
Annual budgets with monthly granularity. Seed from forecast or prior year actuals. Track variance in real time.
Lifetime Forecast
Year-by-year projections to end of life with taxes, inflation, growth, RMDs, Social Security, and debt payoff.
Monte Carlo Simulation
Run your plan through thousands of randomized market futures — see the real probability your money lasts, not just a single line.
What-If Scenarios
Model life changes with field-level overrides. Compare any scenario side-by-side against your baseline.
AI Assistant
Chat with AI that queries your accounts, creates records, and gives personalized financial advice.
Reports
Balance sheet, P&L, expense breakdown, budget vs. actuals, and year-end comparison with drill-down.
Dashboard
14 customizable cards: net worth, runway, cash flow, savings rate, budget pulse, and more.
Tax Modeling
Federal, state, FICA, NIIT, capital gains, QBI, EITC — all with real IRS brackets updated annually.
Asset Performance
Live time-weighted returns on any account, asset, or the full portfolio — contributions and withdrawals stripped out automatically.
Investment Tracking
Sync brokerage positions with market values, cost basis, and AI-enriched bond data.
Bank-Grade Security
Google OAuth, TOTP 2FA with backup codes, AES-256 encryption, reCAPTCHA protection.
Coming from another app? Bring everything with you.
Purpose-built importers for the tools you already use — not just a generic CSV. Your history comes with you, so switching feels like an upgrade, not a restart.
More than a forecast
AI That Understands Your Finances
Chat with an AI assistant that queries your accounts, creates records, and gives personalized advice. Auto-categorize transactions. Generate expenses from history.
Connected & Automatic
Link 2,000+ banks and brokerages. Transactions import and categorize themselves. Daily, weekly, and monthly email digests keep you informed.
Plan Any Future
Override-based what-if scenarios let you model any life change. Compare every scenario against your baseline with side-by-side charts.
See the day your money runs out — then change it
Connect your accounts, forecast your whole life, and model any what-if. Try it free for 14 days.
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