Setting up TallyMint Web
TallyMint Web from a blank slate: create your account (your free trial starts at once, no card needed), get your accounts and history in, then check the numbers. About fifteen minutes, most of it your bank asking for a verification code.
What you need first
A browser and the logins for the banks you want to connect. There is nothing to install, no key to buy, and no configuration file. If you are bringing history out of Quicken or another desktop app, have your exported QIF file handy too.
Step 1: Create your account
Create your account with your email address or your Google account. Creating the account is free and needs no card. You can also reach it from app.tallymint.app by choosing Sign up.
Your 30-day free trial starts the moment your account is created, with full access, including bank connections through Plaid. The trial covers up to 3 bank connections. A bank connection is one sign-in at one bank or card company, and every account you choose under it is included. Nothing is gated behind a plan until either the trial ends or you try to connect a fourth bank.
Step 2: Pick a plan when you are ready
You can use the app freely for all 7 trial days without picking a plan. When you do want to continue, or you need more than 3 banks, open Choose a plan from Settings, on the Account tab. You will see two plans:
- Web Standard, $9.99 a month, or $89.99 a year ($7.50 a month, save 25%), connects up to 5 banks
- Web Plus, $14.99 a month, or $134.99 a year ($11.25 a month, save 25%), connects up to 10 banks
Every plan has every feature. The number of bank connections is the only difference, so count the banks you actually want syncing. Accounts under the same sign-in at one bank, such as checking and savings, share one connection. Accounts you only track by hand never count and never cost extra. Pick Standard if you are unsure; upgrading later takes effect immediately and is prorated.
Choosing a plan opens checkout at Dodo Payments, our payment processor. A card is only required at this step, not to start the trial. Checkout tells you exactly what will be charged and when before you confirm.
If the 30 days pass without picking a plan, the account goes read-only: you can still sign in, view everything, and export your data, but editing is disabled and bank connections are removed. Subscribing at any point afterward restores full access with your data intact. A trial you have not used for 7 days may lose its bank connections sooner, just before a new month starts. Connect them again when you come back.
Step 3: Get your accounts in
There are three ways, and most people use two of them together.
Option A: Connect a bank (the fast start)
Open Accounts from the sidebar, then the Bank Connections tab, then Connect bank. Plaid handles the connection: you search for your institution, log in on their secure page, and answer whatever verification your bank asks for. Your bank username and password go to Plaid, never to TallyMint.
Then two things matter:
- Pick the accounts you want. Plaid shows every account at that institution and lets you choose. Select the ones you intend to track. They all count as one bank connection, so there is no need to leave one out to save room. To add more of that bank's accounts later, use Add accounts next to it under Connected banks.
- Map or create. Next, TallyMint asks what each shared account should be. If you already have a matching account, map to it. If you do not, choose Create new account, give it a name, and confirm the type. TallyMint sets the new account up with an opening balance calculated so that today's balance matches your bank exactly, and tags that starter row Opening Balance so it never pollutes your income or spending reports.
Finish this step for every bank you connect. A bank connection with none of its accounts mapped or created is disconnected after 7 days, and Connected banks shows the date beside it.
Save, then Sync. On its first sync, a brand-new account (one created in this step, or one whose only entry is its opening balance) gets its downloaded history added straight to the register, and its balance matches your bank. Every later sync, and any account that already has history, brings transactions in as downloaded transactions to review instead. That is deliberate: you review them, accept the ones that are genuinely new, and match the ones you had already typed in yourself, so nothing gets counted twice. A downloaded transaction you delete from the register is not downloaded again. Deleted one by mistake? In Bank Connections, remove that account's link (the trash icon on its row), then link it again with Add accounts. If it was the bank's only synced account, connect the bank again instead. Transactions still inside your bank's download window come back, and you may need to review them again. The reconciling guide covers the review flow in detail.
One Sync now button at the top of Bank Connections syncs all your bank accounts at once.
Pending at your bank can show in the register too.
- It sits under an hourglass header, at the line between today and what is coming.
- It is not in your balance, and it never becomes a ledger entry.
- Click the hourglass in an account's register toolbar to show it there. TallyMint remembers your choice for each account.
- It appears after your next successful bank sync, and clears on any failed one.
- Not every bank reports pending transactions.
Option B: Import your history
Coming from Quicken, Moneydance, Moneyspire, or anything else that exports QIF, use Import and bring the file in. Accounts, transactions, categories, splits, and transfers come across in one pass, and investment history comes with cost basis intact. OFX downloads and CSV files work too. The QIF import guide covers the details and the gotchas, and Move off Quicken covers the whole migration.
Coming from the TallyMint desktop app? Use the transfer file instead: in the desktop app go to Settings, Import / Export, and choose Export transfer file, then import that file here the same way. It carries your whole workspace, including budgets, recurring bills, payee rules, savings goals, and investment holdings that a QIF cannot express.
Doing both is the usual best answer: import your history so your reports have a past, then connect the bank so everything from here on arrives on its own.
Option C: Start by hand
Create your accounts with their current balances and enter transactions as you go. You can connect a bank later without redoing anything, and TallyMint's matcher respects what you already typed.
Step 4: Set up your recurring bills
TallyMint's cash flow projection is built from your recurring bills and income, so it needs to know about them.
Go to Bills & Projections. If you imported or synced history, TallyMint scans it and suggests recurring charges it spotted, which you can accept in a couple of clicks. Add anything it missed, especially your paycheck. Once your regular ins and outs are in there, the calendar shows a projected end-of-day balance for every day, and the projection chart answers the actual question: will my balance cover everything between now and payday. The recurring bills guide goes deeper, and forecasting your balance explains how the projection is computed.
Step 5: Check the numbers before you trust them
- Compare each account's balance to what your bank shows. After you have reviewed the downloaded transactions, they should agree to the cent.
- Open Reports, then Month in Review, and check that income and expenses for a recent month look like your real life. If income looks inflated, you probably have transfers miscategorized as income, or an opening balance that is not tagged as one.
- Look at your Dashboard net worth. It should match the sum of your account balances, with investment accounts valued at their holdings.
Using it on your phone
Open app.tallymint.app in your phone's browser and sign in. The phone layout is built for a phone: transactions are cards rather than a squeezed spreadsheet, tapping one opens a full-screen editor, and there is a button for adding a transaction where your thumb already is. Add it to your home screen and it behaves like an app. It is the same data as your desktop browser, because it is the same account.
Dark mode
Open your account menu at the bottom of the sidebar and pick Dark mode. Every chart, badge, and report is tuned for it rather than inverted, and TallyMint remembers your choice per browser.
If something goes wrong
- A bank connection stops updating. Banks require re-authorization periodically. TallyMint flags the connection that needs attention rather than failing silently. Reconnect from Bank Connections, and if a sync finishes with a warning you will get an amber notice saying so rather than a green all-clear.
- A bank will not connect at all. Some institutions are stubborn. You can always download an OFX or CSV file from your bank and import that; your ledger does not care how the data arrived.
- You hit your bank connection limit. TallyMint tells you which plan you are on and how many bank connections you have. Either disconnect one you do not need, add extra bank connections for $0.99 a month each, or move up a plan. All three live in Settings.
- Something is broken. Use Report a bug under the Help icon in the sidebar. It reaches us with your account already attached, so we can answer without a round trip of questions. General thoughts go through Send feedback in the same menu.
Where to go next
- Subscriptions and billing: change plans, add bank connections, cancel, and what read-only actually means
- Budgeting, once you have a month or two of real data to base targets on
- Tracking investments, if you connected a brokerage or retirement account
- A tour of reports, for which report answers which question