Budgeting by hand
- 01Download a statement and copy every line into a spreadsheet.
- 02Guess which category the 14th card payment that month belongs to.
- 03Find out you overspent on groceries after the money is gone.
- 04Remember the water bill a day late.
Envelope budgeting, synced with your bank
Every dollar gets a job the day you spend it.
Tally pulls in transactions from your bank, suggests which envelope each one belongs to, and waits for your OK. Your budget stays current without a Sunday-night spreadsheet session.
iOS
Android
Web
Envelopes
OctoberBudgeted$2,200.00
Spent$1,736.32
Left to spend$463.68
- Rent Paid $0.00of $1,450
- Groceries $268.18of $400
- Eating out $66.00of $120
- Household $68.00of $80
- Transport $61.50of $150
From your checking account
Needs your OK
Corner Market
−$42.18
Groceries · $226.00 left
Next time you shop at Corner Market, Tally will suggest the same envelope.
Internet bill due Thursday
$60.00 from Bills. Reminder set for 3 days before the due date.
Shared with 1 other person. Both of you see changes on any device.
- 1 · Synced
- 2 · Suggested
- 3 · You approve
- 4 · Envelope updated
Read the sample as text
- Tally syncs a $42.18 debit-card purchase at Corner Market from the checking account.
- Tally suggests the Groceries envelope. Nothing moves yet.
- You confirm Groceries or pick another envelope, then press Assign.
- The Groceries envelope drops from $268.18 to $226.00 left. You can undo.
The problem
Most budgets go stale by the second week.
It isn't the plan that breaks. Keeping it up to date is a chore, so by mid-month the numbers no longer match the bank.
Budgeting as you go
- 01Transactions arrive from your bank on their own.
- 02Each one comes with a suggested envelope. You confirm with one tap.
- 03You see what's left in each envelope before you spend.
- 04Bill reminders arrive ahead of the due date, not after.
How it works
Tally does the sorting. You make the calls.
Every transaction goes through the same four steps. Nothing comes out of an envelope until you approve it.
-
01 / SYNC
Connect your bank
Link your checking, savings and card accounts. New transactions come into Tally automatically.
Tally -
02 / SUGGEST
Get a suggested envelope
Each transaction is matched to an envelope based on the merchant and how you sorted it last time.
Tally -
03 / APPROVE
Confirm or change it
Accept the suggestion, pick another envelope, or split the amount across several.
You -
04 / UPDATE
See what's left
The envelope balance updates on every device, for everyone who shares the budget.
Tally
Features
Four tools, one budget.
Tally is built around one job: a budget that stays current. Every feature exists to support it.
Bank sync
Connect your bank accounts once. New transactions show up in Tally without any importing.
Envelope budgets
Give each category a fixed amount for the month. Spending comes out of its envelope, so you always know what's left.
Bill reminders
Add a bill with its due date and amount. Tally reminds you beforehand, on whatever schedule you choose.
Shared budgets
Invite your partner or family to one household budget. Everyone sees the same envelopes and changes.
Who it's for
One budget, set up your way.
Use Tally alone or with your household. You can switch plans at any time without losing your envelopes.
Know what you can spend before you tap your card.
Fill your envelopes on payday, let bank sync handle the rest, and check one number before you buy.
- Envelope balances on your phone and on the web
- Reminders before rent and subscriptions come due
- Move money between envelopes when plans change
My OctoberSample
- Groceries$226.00 left
- Eating out$66.00 left
- Transport$61.50 left
- Moved $20 from Eating out → TransportYou · today
Stop asking "did you pay that already?"
Share one household budget and keep your own accounts. You both see every transaction and who sorted it.
- Shared envelopes for joint costs, private ones for your own
- Bill reminders go to both of you
- Each change shows who made it
Household activitySample
- M assigned Corner Market → Groceries$42.18
- J paid Internet from Bills$60.00
- M moved money to Holiday$50.00
- Both members notifiedToday
A household budget that everyone can follow.
Add everyone who spends from the household budget. Give older kids their own envelope so they can see what they have left.
- Up to 6 members on one Family plan
- Set which envelopes each member can see or edit
- School, activity and allowance envelopes side by side
Family envelopesSample
- School supplies$35.00 left
- Swim lessonsDue Oct 24
- Sam's allowance$12.00 left
- Sam can view, not edit, HouseholdPermission
Pricing
Start free. Upgrade when you link your bank.
All plans include envelope budgets and bill reminders on iOS, Android and the web. Paid plans are billed monthly and you can cancel any time.
Free
$0forever
For trying envelope budgeting with transactions you enter yourself.
Start free- Envelopes
- Up to 10
- Bank sync
- Manual entry
- Bill reminders
- Included
- iOS, Android, web
- Included
Plus
Most flexible$4/ month
For one person who wants transactions to sync from the bank.
Choose Plus- Envelopes
- Unlimited
- Bank sync
- Included
- Bill reminders
- Included
- iOS, Android, web
- Included
Family
$8/ month
For a household sharing one budget, with everything in Plus.
Choose Family- Envelopes
- Unlimited
- Bank sync
- Included
- Bill reminders
- Included
- Budget members
- Up to 6
- iOS, Android, web
- Included
Prices in USD per budget, not per person. Taxes may apply. How billing works
FAQ
Questions before you start.
The terms used in the pricing table, explained.
What does bank sync do, exactly?
On Plus and Family, you connect your bank accounts and new transactions are brought into Tally automatically. Tally only reads transactions; it can't move money. On Free, you enter transactions yourself and everything else works the same way.
What is an envelope budget?
You split your monthly income into envelopes such as Rent, Groceries or Fun. Each purchase comes out of one envelope. When an envelope is empty, you either stop spending in that category or move money over from another envelope on purpose.
Who counts as a budget member?
A member is anyone with their own login to the same budget. Free and Plus budgets have one member. A Family budget can have up to six, and each person can connect their own bank accounts.
How does billing work?
Plus and Family are billed monthly, per budget. You can upgrade, downgrade or cancel at any time. If you go back to Free, your envelopes and history stay, bank sync pauses, and extra members lose access.
Will Tally move transactions without asking?
No. Tally suggests an envelope for each new transaction, but your balances only change after you approve it. You can undo or re-sort any transaction later.
Set up your first envelopes tonight.
Start on Free with manual entry. Add bank sync or your household later.