# Tally: Debt & Budget Tracking > Tally: Debt & Budget Tracking (iPhone/iPad app by Pablo Miranda.) - Source: https://appshunter.io/ios/app/tally-debt-and-budget-tracking/id6809615979 (this page in markdown: same URL + `.md`) - Developer: [Pablo Miranda](https://appshunter.io/developer/821775028) - Category: Finance - Price: Free with in-app purchases - Age rating: 4+ - Requires: iOS 26.0 · 4 MB - Languages: American English, European Spanish - Released: 2026-09-10 - Data updated: 2026-09-14 - User reviews in markdown: https://appshunter.io/ios/app/tally-debt-and-budget-tracking/id6809615979/reviews.md ## What is Tally? 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 ## Pricing and in-app purchases Base price: Free. **One-time purchases** | Purchase | Price | Type | | --- | --- | --- | | Tally Pro | $4.99 | one-time | ## Version history (last 2 releases) ### 1.1 — 2026-09-12 Tally is now a real iPad app. The tabs become a sidebar, and Recurring and Debt show a list and its detail side by side, so you can move between subscriptions or loans without losing your place. Charts and cards are laid out for a bigger screen rather than stretched across it, and the widgets come in large sizes made for an iPad Home Screen. ### 1.0 — 2026-09-11 No release notes. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-14.*