Free to joinGet early access
Lazy budgeting that actually works

Your paycheck does the math.

Tell Taly how to split your income once. Every paycheck after that sorts itself across your categories — caps filled, overflow handled, the tedious math done while you do literally nothing. No spreadsheet. No Sunday-night budgeting. No guilt.

Free to join No card to start We email you the moment your spot opens.

See how it works

Switching over? Bring your data from Mint, YNAB, Monarch, or Copilot.

  • 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. $11 buys everything.

  • 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.

Sound familiar?

Budgeting apps keep handing you a chore

You didn’t download an app to do more math. Here’s what “budgeting” usually feels like:

  • Money just… disappears.

    You meant to save. Then the month happened, and you’re not sure where it went.

  • Every app is homework.

    Categorize this. Reconcile that. Miss a week and the whole thing feels broken.

  • You re-decide every month.

    Same questions every payday: how much to rent, to savings, to fun? Exhausting.

Taly does the deciding once — then gets out of your way.

How it works

Set your split once. Watch it fill itself.

Give each category a share. When income lands, Taly fills every bucket — and when one hits its cap, the extra cascades to the buckets that still have room. We call it the overflow. You call it never touching a spreadsheet again.

  1. 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.

  2. Step 2:

    Get paid

    Income arrives — from a CSV import, a manual entry, or a connected bank. Taly notices.

  3. 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

Housing30%$720
Food15%$360
Savings20%Cap reached$400
Transportation10%$240
Lifestyle15%$360
Giving10%$240

Savings hit its $400 cap — so $80 has nowhere to land on the first pass.

Why Taly

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 hand
    The Taly way: Splits itself the moment income lands
  • The old way: Hope you remembered the caps
    The Taly way: Caps fill, then the overflow cascades
  • The old way: Start from a blank spreadsheet
    The Taly way: Import from Mint, YNAB, Monarch, or Copilot
  • The old way: Budget every Sunday
    The Taly way: Decide once, then forget it
  • The old way: Wonder if you saved
    The Taly way: Savings fills first, automatically

Coming from another app?

Loved Mint, miss Mint?

Taly imports your old data and adds the one thing Mint never had: it actually splits your paycheck for you.

Tired of YNAB’s homework?

Same envelope discipline, none of the manual assigning. Taly fills the envelopes itself.

Paying $100+ a year elsewhere?

Taly is $11 a month, flat, with every feature included. Do the math — or let us.

Bring your data from

  • Mint
  • YNAB
  • Monarch
  • Copilot

One-click import presets — switch in minutes, not an afternoon of copy-paste.

Features

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 bucket fills, the extra cascades into the categories that still have room — automatically. Every dollar lands somewhere on purpose.

  • Switch in an afternoon

    Coming from Mint, YNAB, Monarch, or Copilot? One-click import presets bring your history over. Prefer manual? Add transactions by hand — both are first-class. Bank sync is rolling out.

  • 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.

A look inside

Calm, not cluttered

Budgeting is stressful enough — so Taly is built to feel quiet. Color where it helps you, calm everywhere else.

Calm, not cluttered

  • Your money at a glance

    Balances, buckets, and what’s over budget.

  • Set each category’s share

    Percentage-based, with caps and overflow.

  • See where it goes

    Income vs. spending, month over month.

Honest check

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 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
Sound like you? Grab a spot below.
Pricing

One plan. Everything included. $11.

No free-tier bait, no “premium” paywall on the parts that matter. You get all of Taly — and the reason Taly will never sell your data or show you an ad.

The whole app

$11/month

Billed monthly — cancel anytime

14-day free trialNo card to start

  • Automatic paycheck distribution
  • Unlimited categories, caps & overflow
  • One-click import — Mint, YNAB, Monarch, Copilot
  • Trends, reports & insights
  • Savings goals & debt tracking
  • Light & dark mode, on every device
  • Private & encrypted — no ads, ever

Less than two coffees a month — and it’s what keeps Taly ad-free and yours.

Get early access

Free to join nowYour 14-day trial starts the day Taly opensCancel in two taps.

You’re the customer, not the product. That $11 is Taly’s only business model — so we never sell your data, never run ads, and never train AI on it.

Questions

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. Import a CSV from Mint, YNAB, Monarch, or Copilot, or add transactions by hand — both are first-class. Direct bank sync is rolling out, and it’s always optional.

  • 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 only business model is your $11. 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?

    $11 a month, with a 14-day free trial. No credit card to start, 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.

Set your categories once. Every paycheck splits itself. Join free and we’ll let you in soon.

You’re early. That’s the best time to be here.

Taly’s apps are in final testing on iOS and Android. Add your email and you’ll be first through the door when we open up — and you’ll help shape what launches. No spam, just one email when your spot is ready.

No spam. We’ll only email you about Taly.

  • Free to join
  • No card
  • Unsubscribe anytime
  • Private by design
“I built Taly because every budgeting app I tried felt like a second job. I wanted one that does the deciding for me — and never sells me out to pay for itself. That’s the whole pitch.”
— a solo founder, building Taly in the open

Next up: bank sync. Join now and you’re in on the ground floor.