Your paycheck does the math.
Tell Taly how to split your income once. Every paycheck after that sorts itself: caps filled, overflow handled, math done. No spreadsheet. No Sunday-night budgeting. No guilt.
Free to join No card to start Pick iPhone or Android and grab your beta invite.
TalyMoney on hand
$0.00
Net +$695 this month · back in the black
For you
Clear all- 3 to categorizeUncounted until you sort them
- 2 categories underwaterCar Payment −$325 · structural → Re-evaluate
- You turned it aroundLast month −$79 → now +$695
- Summer Trip · 75% funded$1,516 to go
Peek
Spent this month
$2,605
Net worth
$159k
Your data is yours
Never sold. Never used to train AI. Encrypted in transit and at rest.
No ads, no upsells
You’re the customer, not the product. Free plan included.
Switch in minutes
One-click import from Mint, YNAB, Monarch, or Copilot.
Built by a real person
A solo founder who got tired of budgeting apps that felt like homework.
Set your split once. Watch it fill itself.
Give each category a share. When income lands, Taly fills every basket. And when one hits its cap, the extra moves to the baskets that still have room. We call it the overflow. You call it never touching a spreadsheet again.
- Step 1:
Set your shares once
Give each category a percentage of your income, and a dollar cap if you want one. About 90 seconds with our starter templates.
- Step 2:
Get paid
Income arrives from a CSV import, a manual entry, or a connected bank.
- Step 3:
It splits itself
Every dollar lands in the right category automatically. Caps fill, the overflow cascades, nothing’s left stranded.
This paycheck
$2,400
Savings hit its $400 cap, so $80 has nowhere to land on the first pass.
Three ways in. All of them easy.
Start with whichever fits and switch anytime. Only one of them needs a bank login, and it's always optional.
- Free
Type it in
Add transactions by hand in a couple of taps. Perfect for cash, and for anyone who’d rather never hand over a bank login.
- Free
Import a file
Drop in a CSV or OFX export from your bank and Taly sorts it from there.
- Plus
Sync automatically
Connect your accounts once and new transactions show up on their own. The laziest option, and the heart of Plus. Rolling out at launch.
Manual entry and file import are free forever. Automatic bank sync is what your Plus subscription pays for.
Budgeting without the busywork
Same envelope discipline you came for, minus the part where you do it all by hand.
- The old way: Re-divide every paycheck by handThe Taly way: Splits itself the moment income lands
- The old way: Hope you remembered the capsThe Taly way: Caps fill, then the extra moves
- The old way: Start from a blank spreadsheetThe Taly way: Import from Mint, YNAB, Monarch, or Copilot
- The old way: Budget every SundayThe Taly way: Decide once, then forget it
- The old way: Wonder if you savedThe Taly way: Savings fills first, automatically
The clever part runs in the background
You set the rules. Taly does the sorting, the math, and the nagging, so budgeting takes seconds, not Sundays.
Auto-split every paycheck
The moment income lands, Taly distributes it across your categories by the rules you set. No spreadsheet. No Sunday-night budgeting session. It’s done before you notice.
Overflow that never wastes a dollar
Set a cap on any category and Taly respects it. When a basket fills, the extra moves into the categories that still have room, automatically. Every dollar lands somewhere on purpose.
Switch in an afternoon
One-click presets import your history from Mint, YNAB, Monarch, or Copilot, or bring any bank’s CSV. Your years of data come with you.
Finally see where it went
Clean trends and reports show income vs. spending, category by category, month over month. No finance degree, no pivot tables.
Goals & debts, in one place
Watch a savings goal climb and a debt shrink, right next to your everyday budget. The whole picture in one calm place.
Private by design
We never sell your data, never show ads, and never train AI on it. Encrypted in transit and at rest.
The same discipline, a lot less of the work
Every app here is a real budgeting tool built by people who care. The difference is method: Taly is the one where the paycheck does the splitting.
| Feature | Taly | YNAB | Monarch | Copilot | EveryDollar |
|---|---|---|---|---|---|
| Set percentages once, every paycheck splits itselfThe core of Taly. The others are zero-based or tracking-first. | Yes | No | No | No | No |
| Category caps, with the extra moving automaticallyHit a cap and the overflow re-homes itself. | Yes | No | No | No | No |
| Free plan that is not a trial | Yes | No | No | No | Yes |
| Works fully without connecting a bankCopilot’s manual workflow is limited; EveryDollar’s free tier is manual by design. | Yes | Yes | Yes | Partial | Yes |
| Automatic bank syncPaid on every app here — Taly with Plus, EveryDollar with Premium. | Yes | Yes | Yes | Yes | Yes |
| CSV / OFX file importCopilot imports via a manual account; EveryDollar has no file import. | Yes | Yes | Yes | Partial | No |
| Partner sharing on one subscriptionTaly: included with Plus. YNAB covers up to six people. | Yes | Yes | Yes | No | Yes |
| Debt payoff projectionsYNAB’s Loan Planner is the strongest here. Monarch shows balances but no payoff date. | Yes | Yes | Partial | Partial | Yes |
| No ads, never sells your dataTrue of every paid app here — worth saying, not worth claiming alone. | Yes | Yes | Yes | Yes | Yes |
| Monthly priceAnnual billing is cheaper on all of them. Monthly is the like-for-like number. | Free · $11 | $14.99 | $14.99 | $13 | Free · $17.99 |
Competitor details researched July 2026, from each app’s own pricing and help pages. They change their products often, so check their sites for what is true today. Taly is in early access and still building.
Coming from one of these? One-click presets bring your whole history across from Mint, YNAB, Monarch, or Copilot.
Budget together. Keep your own budget.
Most apps make couples pick: one login for everything, or two apps that never talk. Taly links two private budgets instead, and shares only what you both agree to.
Share exactly what you choose
You each keep your own Taly account and your own budget. Link up by invite, then pick the accounts you both spend from and share just those. Paychecks, personal categories, and rules stay private.
Mine, Ours, Theirs
Every shared expense gets claimed, so nothing counts twice. Categorize like you always do and Taly works out whose budget it lands in. Want a say first? Flip on review mode and approve changes before they touch your side.
Joint categories
Link one of your categories with one of theirs and it reads as a single shared pot: rent, groceries, the vacation fund. Each of you funds your share your own way.
One Plus subscription covers you both.
One partner subscribes; the other gets full Plus through the link. $11 a month for the whole household, not per person.
Calm, not cluttered
Budgeting is stressful enough, so Taly is built to feel quiet. Color where it helps you, calm everywhere else.
- 9:41Taly
Money on hand
$0.00
Net +$695 this month · back in the black
For you
Clear all- 3 to categorizeUncounted until you sort them
- 2 categories underwaterCar Payment −$325 · structural → Re-evaluate
- You turned it aroundLast month −$79 → now +$695
- Summer Trip · 75% funded$1,516 to go
Peek
Spent this month
$2,605
Net worth
$159k
Money on hand
One clear number, plus what needs you.
- 9:41Taly
Plan
BudgetBills & DebtIncomeGoalsEvery paycheck splits itself100% assigned · set onceRe-evaluateYour rules & balances
- Mortgage50% · $1,600/mo cap$1,600
- Groceries10% · $300/mo cap$350
- Tithe10% · no cap−$144underwater
- Car Payment8% · $325/mo cap−$325underwater
- Savings12% · overflow lands here$2,000
When a capped category fills, the spillover flows to the rest by their %, that’s overflow.
Set each category’s share
Percentages, caps, and automatic overflow.
- 9:41Taly
Progress
Reality CheckTrendsNet WorthA typical month, lately
+$383 / mo
Income’s been covering the plan with a little to spare. Small surplus, keep it going.
Money in vs out
In$3,300Out$2,605Kept+$695 · 21%Money on hand · 12 mo
+108% over the year, a steady climb.
See where it’s going
Money in vs. out, and a year’s climb.
Is Taly your kind of budgeting?
We’d rather you know before you join. No hard feelings either way.
Taly is for you if…
- Good fit:You get a regular paycheck and want it to sort itself
- Good fit:You’ve tried spreadsheets, Mint, or YNAB and the upkeep wore you down
- Good fit:You like deciding the rules once, not re-budgeting every Sunday
- Good fit:You budget with a partner but want your own categories too
- Good fit:You want a budgeting app that never sells your data
Maybe wait if…
- Maybe wait:You want hands-on, line-by-line control of every dollar each month
- Maybe wait:You need full bank auto-sync today (it’s rolling out)
- Maybe wait:Your income is so irregular that percentages wouldn’t help yet
Free to budget. $11 to automate.
The free plan is free forever, not a trial. Plus adds the autopilot, and that subscription is Taly's only business model, which is why we never sell your data or show you an ad.
Free
FreeThe full split-and-overflow engine, yours.
No credit card, ever
What’s included
- Automatic paycheck distribution
- Unlimited categories, caps & overflow
- Manual entry & CSV/OFX file import
- 3 goals, 5 bills, 5 debts
- Basic trends & reports
- Manual cloud backup & restore
Free forever, not a trial. Move up to Plus whenever you want.
Plus
Billed monthly, cancel anytime
14-day free trial
Everything in Free, plus
- Automatic bank sync
- Partner sharing: one subscription covers you both
- Auto-categorization rules
- Unlimited goals, bills & debts
- Debt payoff projections
- Insights, what-ifs & cash-flow forecast
- Advanced reports & PDF export
- Scheduled & Google Drive backups
- Priority support
Try Plus free for 14 days when Taly opens. Cancel in two taps.
You’re the customer, not the product. Plus subscriptions are the only way Taly makes money, on either plan, so we never sell your data, never run ads, and never train AI on it.
Good questions, straight answers
How does the automatic split actually work?
You give each category a percentage of your income, and an optional dollar cap. When income arrives, Taly distributes it across your categories by those rules. If a category hits its cap, the leftover cascades into the ones that still have room. We call it the overflow. Set it once; you don’t re-decide every month.
Do I have to connect my bank?
No. Manual entry and file import (CSV/OFX, with presets for Mint, YNAB, Monarch, and Copilot) are free and first-class. Automatic bank sync is the headline Plus feature. It’s rolling out at launch, and it’s always optional.
Can my partner and I budget together?
Yes: partner sharing is a Plus feature. You each keep your own Taly account and private budget, link up by invite, and choose exactly which accounts to share. Shared expenses are claimed as mine, ours, or theirs so nothing double-counts, and you can link categories into a shared pot for things like rent or a vacation fund. One Plus subscription covers both of you.
Why does Taly cost money when other budget apps are free?
Because “free” budgeting apps usually aren’t. They make money by selling your financial data, showing you ads, or nudging you toward credit cards. Taly’s free plan is genuinely free; Plus subscriptions are our only business model. That’s what lets us promise, in writing, that we’ll never sell your data or run ads. You’re the customer, not the product.
How much does Taly cost?
The free plan costs nothing, forever: no card, no trial clock. Plus is $11 a month (or $96 a year, about $8 a month) with a 14-day free trial, and you can cancel anytime. We won’t make it weird.
Is my financial data safe?
Yes. Your data is encrypted in transit and at rest. We never sell it, never show ads, and never use it to train AI. You can export or delete everything at any time.
Does it cost anything to join the waitlist?
Nope. Joining is free and there’s no card involved. You’re just telling us where to send the invite when your spot opens.
When can I actually use it?
Taly is in final testing on iOS and Android. Join the early-access list and we’ll email you the moment it opens up.
Get the app. Pick your phone.
Taly's apps are in active testing on iOS and Android. Choose your platform and we'll send you an invite to the TestFlight or Play beta. You'll help shape what launches.
Pick your platform above to grab your beta invite.
Free to test. No card. We’ll only email you about the beta.