Spend it once and checking stays above your $500 cushion through Dec 13.
Checking, cards, savings and investments come in through Plaid. Tally can see balances and transactions. It can never move money.
From your real deposits: the schedule and the usual amount, plus anything that varies, like commission, overtime or freelance pay. Steady or not, it fits.
Every paycheck, bill and card payment on a line, so you see the low point weeks before you get there.
What you can spend each day and still cover everything, with a cushion you choose.
Can I afford a $600 flight?After your Dec 4 paycheck. Today it would dip under your cushion.Ask before you spend. Answers from your own numbers. How it works ›
Rent on the 1st, the Visa bill on the 3rd. Together they take checking down to $940. Tally shows you now, while there's still time to plan.
$940 on Nov 3, the lowest point this month
Paycheck +$2,450Paycheck +$2,450Rent -$1,650$940 on Nov 3Lowest point this monthToday $3,180Your $500 cushion
Oct 15Oct 22Oct 29Nov 5Nov 12
Drag across the line to read any day.
Oct 31Paycheck
+$2,450
Nov 1Rent
-$1,650
Nov 3Visa card
-$1,240
Nov 15Paycheck
+$2,450
Try a purchase.
Pick something and a day. The line redraws, and Tally tells you if it fits, the way it does in the app.
Fits
Holding first is the point: a second to think before money leaves.
It checks its own work.
Card bills are the hardest part to predict. After each one posts, Tally compares its first estimate with what you actually paid.
Once your recent payments agree, it adjusts the next estimate and shows you the evidence. It never adjusts on a hunch, and it tells you how sure it is.
Visa card, last five payments
Month
Tally guessed
You paid
Difference
June
$1,520
$1,190
$330 less
July
$1,610
$1,300
$310 less
August
$1,480
$1,170
$310 less
September
$1,590
$1,260
$330 less
October
$1,550
$1,230
$320 less
$1,240$1,560November estimate, adjusted down about $320. Moderate confidence, based on 5 payments.
Ask before you spend.
Type the question you'd actually ask. Tally runs it through your forecast, so the answer comes from your own dates and balances.
Can I afford a $600 flight this week?
Yes, but it gets close. Checking would bottom out at $340 on Nov 3, above zero and below your $500 cushion. Booking after your Oct 31 paycheck keeps the cushion whole.
Coming soon
Compete on returns, not on who has more.
Invite a few friends and see who invested best this week, this month and all time. Everyone is ranked by percentage return, so a $2,000 portfolio can beat a $200,000 one.
Nobody sees balances, share counts or dollar gains. Deposits and withdrawals never move your rank.
Time-weighted, price-only returns. Risk labels are context and never change the order.
Made for you
Fits your life, not a template.
What Tally does that most money apps don't.
Set up around how you're paid
Five quick questions. Salary, commission, hourly or your own business: Tally counts dependable pay, plans around the rest, and leads with what matters to you. Want it simple? You get a calm, pared-down Tally. Want everything? It's all there.
Every stock, fund and coin scored against its peers, with a score for the whole portfolio and plain-English insights. It rates quality and risk; it never trades.
A full demo account with made-up money. Tap, edit and break anything. No signup, nothing connected, and your changes stay on your device. Tap the Demo stamp to see it Simple, Standard or with everything.
Tell Tally how much detail you want and it reshapes itself. Simple is what you can spend, your paychecks, bills and this month's spending. Everything adds the forecast, net worth, investing and planning. Same numbers either way, and you can switch anytime in Settings.
How much to have invested, and by when, so it grows to work optional with nothing more added.
30%
$410,000
Goal by 41 · $123,000 invested today
Card bills that learn
Tally checks each estimate against what you paid.
GuessedPaid
Heads-ups, not noise
Only when something changed.
Price went upGym: $49 to $59
Paycheck landed+$2,450, right on time
Visa estimateAdjusted down $320
Tight week aheadRent and Visa both before Nov 4
Paychecks, however they come
Salary, hourly, commission or freelance, after tax.
Taxes from your paystubs
Federal, FICA and state, kept apart.
$412
Back at tax time, at this pace
FederalFICAState
Questions people ask.
What is Tally?
A personal money app. It draws your checking balance a month ahead from every paycheck, bill and card payment, shows the day it runs lowest, and tells you what you can safely spend today.
How does Tally work out what's safe to spend?
It finds checking's lowest point over the next 33 days and subtracts the cushion you choose. Spend that much today and checking stays above your cushion through every bill and card payment in that window.
Does Tally count commission or bonuses?
Not until they land. Expected commission is tracked on its own and shown as possible, but it never raises what's safe to spend, so a late or smaller payout can't catch you out.
Can I check a purchase before I make it?
Yes. Type an amount or ask “can I afford a $600 flight?” and Tally runs it against every upcoming bill and paycheck. If it doesn't fit today, it tells you the first day it does.
How does Tally connect to my bank? Is it safe?
Bank data comes in read-only through Plaid, so Tally can see balances and transactions but can never move money. Sign-in uses Face ID, and your data is never sold or shared.
Does Tally use AI to do the math?
No. Every number comes from Tally's own calculations on your transactions. Ask Tally answers questions about your money from those same numbers, so its answers always match the app.
Can I try Tally without signing up?
Yes. The demo is the full app on a made-up account, no signup needed. Or answer five questions and see it built around your own pay and rent.
How do I get Tally?
Tally is opening to a few people at a time. Answer five questions on the sign-up page to see it set up around your life and ask for a spot.
Every purchase, sorted for you.
Logos, categories and a reason for each one. Fix a store once and Tally remembers it everywhere.
Set up around your life.
Tally started as Quinn McWhorter's own money app. Now a few questions about how you earn, where you live and what matters to you shape what it shows you. Bank data comes in read-only through Plaid, sign-in uses Face ID, and nothing is sold or shared.
Read-only bank syncFace ID sign-inNever sold or shared
See it for yourself.
Play with the full app on a made-up account, no signup. Or answer five questions and see it built around your own pay and rent; Tally is opening to a few people at a time.
Compete on returns, not on who has more.
Invite a few friends and see who invested best this week, this month and all time. Everyone is ranked by percentage return, so a $2,000 portfolio can beat a $200,000 one.
Nobody sees balances, share counts or dollar gains. Deposits and withdrawals never move your rank.
Preview it in the demo ›You're 2nd this week
Time-weighted, price-only returns. Risk labels are context and never change the order.