Frequently asked questions

TallyMint (also written Tally Mint) is personal finance software that comes two ways: a Windows desktop app you buy once for $49.99, and TallyMint Web, a hosted version you subscribe to and use in any browser. Both handle bank sync, budgets, recurring bills, a monthly bills calendar, savings goals, loan amortization, investment tracking, cash flow projections, and reports. The desktop app keeps your data in an encrypted file on your own PC with no account and no subscription. TallyMint Web runs on our servers and includes the bank connections.

The features are the same in both, down to the numbers they report. What differs is how you run and pay for it. Desktop is a Windows app for a one-time $49.99, your data lives in an encrypted file on your PC, it works with no internet at all, and you bring your own bank connection (a SimpleFIN key or OFX direct from your bank). TallyMint Web is $12.99 a month or $99.99 a year, runs in any browser, including on a tablet or phone, stores your data in our encrypted database, and includes the bank connections through Plaid. Full breakdown here, or see the side-by-side table.

Three steps. First, go to app.tallymint.app, choose Sign up, and create your account with your email address or your Google account, which is free and needs no card. Your 7-day free trial starts immediately with full access, including bank connections, capped at 3 connected accounts. Second, connect your banks or import a QIF, OFX, or CSV file. Third, if you want to keep going past 7 days or connect more than 3 accounts, pick a plan from the Choose a plan button; a card is only needed at that point. The web setup guide walks through all of it with nothing assumed.

The desktop app needs Windows 10 or Windows 11 (64-bit). It is a lightweight native app: it installs in seconds, needs no account, and works offline. TallyMint Web needs nothing but a current browser and a connection, so any operating system works, phones and tablets included.

Yes. TallyMint imports QIF files (used by most desktop finance apps) and OFX/QFX bank downloads, bringing your accounts, transactions, categories, splits, and transfers over in seconds. TallyMint also imports CSV files, reading the header row and recognizing common column names.

Web Standard is $12.99 a month or $99.99 a year and connects up to 5 accounts. Web Plus is $17.99 a month or $139.99 a year and connects up to 14. Every plan has every feature; the difference is how many bank accounts you connect. Extra connected accounts are $0.99 a month or $11.88 a year each if you need more than your plan covers. Both plans start with a 7-day free trial, and you can switch plans or cancel yourself from Settings at any time.

Either way, TallyMint goes read-only rather than locking you out. You can still view and export all your data. On the desktop, buy a license any time to unlock editing again. On the web, subscribe from Settings and you are back in business. Your data is never deleted or held hostage.

No, for either product. TallyMint for Windows: the 30-day trial needs no credit card and no email address, and every feature is unlocked during it. TallyMint Web: creating your account needs no card either, and it starts a 7-day free trial immediately with full access, including bank connections through Plaid, capped at 3 connected accounts.

A card is only needed if you choose to subscribe, whether that is to keep going past 7 days or to connect more than 3 accounts. When the trial ends without a subscription, the account goes read-only: you can still view and export everything, but editing and bank connections require a plan.

Yes, yourself, from Settings inside the app. No email, no phone call, no retention maze. You keep access until the end of the period you already paid for. After that your account turns read-only rather than closing: you can still sign in, look at everything, and export your whole ledger to QIF or CSV. Your bank connections are disconnected when the subscription ends. Come back later and subscribing again picks up where you left off.

Desktop purchases come with a 30-day money-back guarantee, no questions asked. Email support@tallymint.app with your order number and we will refund you in full. TallyMint Web works differently, because the free trial is there to answer that question before you are charged: cancel during the trial and you pay nothing, and cancelling later stops the next renewal while you keep access through the period you already paid for. Subscription periods are paid up front and are not automatically refundable, but if you think a charge was a genuine mistake, email us and we will look at it.

Bug fixes and patches are always included with your desktop purchase. TallyMint Web is always on the latest version already, with nothing for you to install.

That depends on which one you use, and we are straight about it. With the desktop app, no: your data lives in an encrypted file on your computer, and TallyMint never sends your financial data to our servers. You can keep your TallyMint folder in Google Drive or OneDrive for backup if you want to, syncing the whole folder rather than the data file on its own. With TallyMint Web, yes by definition, because that is what makes it work in a browser: your ledger lives in our encrypted database, every account is walled off from every other one at the database level, and bank access is read-only. If keeping your finances entirely off other people's servers is the point for you, buy the desktop app. That is exactly why we still sell it.

On the desktop, TallyMint connects through SimpleFIN Bridge ($15/yr, paid to SimpleFIN, not us), which covers thousands of US and Canadian banks and credit unions via MX. OFX Direct Connect is also supported for banks that offer it (Chase, Bank of America, and others). TallyMint Web uses Plaid instead, included in the subscription, which covers thousands of US and Canadian banks and credit unions with no key to buy or configure. Either way the access is read-only: TallyMint can never move your money.

On the desktop, your master password is what opens your encrypted ledger, and the password is stored nowhere, so it is not something we can reset for you from here. What you can do is set up a recovery key: Settings > General > Recovery key generates one, shows it once, and stores it nowhere. It gets you back in and lets you set a new password. Do that now rather than the day you need it, because without a recovery key a forgotten master password means nobody can open the data, including us. Keep the password in a password manager too, and let TallyMint's automatic backups protect you from everything else, like disk failure. TallyMint Web has no master password at all: you sign in to your account, so a forgotten password is a normal password reset.

Yes, in either direction, with a TallyMint transfer file that both apps can export and import. It carries your whole workspace: accounts and groups, transactions with splits and transfers, investment history and holdings, categories, budgets, recurring bills, payee rules, savings goals, and loan details. Export from one, import into the other, and you pick up where you left off. Standard QIF export is also there for other programs. The two are separate products with separate data, though, so they do not sync with each other in the background: moving your data is something you do deliberately, not something that happens live.

With the desktop app, nothing. Your data lives in an encrypted file on your own disk, not on our servers, and you can export everything to QIF or CSV at any time. There is no account to lose and no server that holds your finances. And our pledge stands: if TallyMint ever stops being developed, we will release a final free update that removes license verification entirely, so the app you bought keeps working forever. For TallyMint Web the honest answer is that a hosted service depends on us being here, which is why the desktop app exists and why the web app exports your entire ledger to QIF and CSV on demand. If we ever had to wind the hosted product down, subscribers would get notice and a full export well before anything stopped.

Yes. Create your own named groups, like Everyday, Retirement, or Property, and the account sidebar shows each group with its own subtotal. Groups collapse out of the way, and you can drag accounts between them. Grouping only changes how the sidebar is organized: reports, projections, and net worth are unaffected.

Yes, in both the desktop app and the web app. Every chart, badge, and report was tuned for it rather than inverted and hoped for. Switch it from the sidebar in the desktop app or your account menu on the web, and TallyMint remembers your choice. Light stays the default.

Yes. You copy your TallyMint folder over, and your license includes up to three machine activations, so a new PC alongside or replacing your old one is covered. Install TallyMint, open the data file inside that folder, enter your license key, and you are back in business. Take the whole folder rather than the data file on its own: the key file beside it is what makes the ledger openable. The backups and data guide walks through it. If replaced hardware ever uses up your activations, email support@tallymint.app and we will sort it out. On TallyMint Web there is nothing to move at all: sign in on the new machine and your ledger is there.

Yes, through TallyMint Web. It runs in the browser, so a Mac, a Linux box, an iPhone, or an Android phone all work, and the phone layout was built for a phone rather than shrunk down. The downloadable desktop app is still Windows-only. If you specifically want a native Mac or Linux build, say so at support@tallymint.app: the underlying technology supports both and demand is what decides it.