Tally: Debt & Budget Tracking

Tally is a personal finance app built around one rule: your financial data never leaves your device. No accounts to create. No bank connections to authorize. No cloud sync, no analytics, no third-party SDKs — just a fast, private way to see exactly where your money goes. PRIVATE BY DESIGN • Everything is stored locally on your iPhone or iPad, protected by iOS Data Protection • Tally makes no network calls of its own — nothing you enter is ever sent anywhere • Optional Face ID / Touch ID app lock • Export your own data anytime as JSON or CSV — you control where it goes TRACK EVERYTHING THAT MATTERS • Log income and expenses by hand, with categories, notes, and splits across multiple categories • See exactly how much of your spending is flexible (discretionary) versus fixed (essential) • Search and filter your full history • Quick-add templates and "repeat last" for common transactions SUBSCRIPTIONS, UNDER CONTROL • Every recurring charge grouped by monthly or annual billing • Renewal reminders before you're charged • Price-change history so subscription creep doesn't sneak up on you PLAN YOUR WAY OUT OF DEBT • Compare avalanche vs. snowball payoff strategies side by side • Run "what if I paid extra" scenarios and watch your debt-free date move • Track balance, APR, utilization, and full payment history per debt ONE CALENDAR FOR EVERYTHING • See every bill, debt payment, income deposit, and goal deadline on a single month view • Log a payment directly from the day it's due SET GOALS THAT MEAN SOMETHING • Save toward something specific — a trip, an emergency fund, anything • Link a goal to a real account balance or track it manually • An honest on-track/behind read, not just a progress bar TALLY PRO — OPTIONAL, ONE-TIME UNLOCK • Apple Intelligence narrates your financial picture in plain language • Ask questions about your own finances in a private, on-device chat • A visual expense-flow diagram showing how your income splits across categories • Every number is computed by the app first — the AI explains, it never calculates • One-time purchase, no subscription — everything else in Tally is free forever BUILT FOR HOW YOU ACTUALLY THINK ABOUT MONEY • Dashboard KPIs: net cash flow, savings rate, runway, net worth, debt-to-income, and month-over-month trends • Budgets — set a limit per category, or one overall monthly cap • Available in English and Spanish