# TallyMint

> TallyMint is personal finance software available two ways: a Windows desktop app sold as a one-time purchase ($49.99, no subscription, data stays in an encrypted file on your computer), and TallyMint Web, a hosted subscription (from $12.99/month) that runs in any browser with bank connections included.

## The two products

- **TallyMint for Windows** (desktop): $49.99 one-time. Native Windows 10/11 app. Data in an encrypted SQLite database (SQLCipher, AES-256) on the user's own PC, with a small key file beside it that the master password unwraps; both files belong together, so backups and machine moves take the folder. Works fully offline. Bank sync is bring-your-own: SimpleFIN Bridge or OFX Direct Connect. No account, no subscription, no telemetry.
- **TallyMint Web** (hosted, app.tallymint.app): subscription from $12.99/month. Same app in the browser, works on Windows, macOS, Linux, iOS, Android. Data in our encrypted multi-tenant database with row-level security per account. Bank connections included via Plaid (read-only). 7-day free trial, card required.

Feature parity is deliberate: both versions share the same codebase and report the same numbers. The differences are runtime, data location, bank-connection arrangement, and pricing model.

## What it does

Both versions cover:
- Bank sync. Desktop: SimpleFIN Bridge (thousands of US/Canadian banks) and OFX Direct Connect, user-supplied. Web: Plaid, included in the subscription, read-only access only
- Investments: brokerage/retirement accounts with holdings, market values, cost basis and capital gains (FIFO, average, or specific lots; long/short-term realized gains). Desktop refreshes prices from a free BYOK end-of-day quote key (stocks, ETFs, US mutual fund NAVs); web has end-of-day prices BUNDLED via one server-side key with a daily shared cache, so web users never supply a key
- Cash flow projections: see your balance 30, 60, or 90 days out based on recurring bills and income
- Budgets: monthly category targets with actuals vs. budget tracking
- Bills calendar and automatic recurring-charge detection
- Savings goals and loan amortization schedules
- Reports: spending by category, cash flow grids, month-in-review, net worth trends, tax summaries
- Recurring bills: auto-enter on due date, powers the projection engine
- Transaction register with check numbers, splits, transfers, memo, cleared status
- Account groups: organize the account sidebar into named groups with per-group subtotals (collapsible, drag accounts between groups)
- Import from QIF (Quicken and others), OFX/QFX, and CSV, including Quicken investment history (buys, sells, reinvested dividends, splits become cost-basis transactions)
- Export: full-file QIF export (accounts, transactions, categories, investment history; no lock-in, switch back anytime), CSV for every report and the register, and TXF export of realized capital gains for TurboTax Desktop / H&R Block Desktop
- Account reconciliation against bank statements
- Light and dark themes, light by default; the web app has a phone-native layout
- Desktop only: the ledger file encrypted with AES-256, opened by a master password through Argon2id, an optional user-generated recovery key, and automatic local backups (encrypted the same way)

## Pricing

Desktop (one-time):
- Free trial: 30 days, all features, no credit card required
- License: $49.99 one-time purchase, up to 3 machine activations
- After trial: app goes read-only (view and export data anytime, purchase to unlock editing)
- Bug fixes and patches included; 30-day money-back guarantee

TallyMint Web (subscription):
- Web Standard: $12.99/month or $99.99/year, connect up to 5 accounts
- Web Plus: $17.99/month or $139.99/year, connect up to 14 accounts
- Extra connected accounts: $0.99/month or $11.88/year each
- Every plan includes every feature; the connected-account count is the only difference
- 7-day free trial, credit card required to start it
- Manually tracked accounts (no bank connection) are unlimited and do not count toward the plan
- Plan changes and cancellation are self-serve in the app: upgrades immediate and prorated, downgrades at next renewal
- After a subscription ends the account goes read-only (sign in, view, export) and data is retained 12 months

## How to subscribe to TallyMint Web

There is no checkout for the web app on the marketing site. The order is:
1. Create a free account at https://accounts.tallymint.app/sign-up (email address or Google sign-in)
2. The app opens read-only with a "Choose a plan" button; pick Standard or Plus, monthly or yearly, and complete checkout to start the 7-day trial
3. Connect banks from Accounts > Bank Connections, or import a QIF/OFX/CSV file

## Technical details

- Shared codebase: React + TypeScript frontend, Rust business logic
- Desktop: Tauri 2, data in a single SQLite file on the user's PC, auto-updates via signed releases, no cloud, no account, no telemetry
- Web: Rust (axum) API in a container behind Cloudflare, PlanetScale Postgres with row-level security forced on every tenant table, Clerk for authentication, Dodo Payments as merchant of record, Plaid for bank connections with access tokens encrypted at rest (AES-256-GCM), Resend for transactional email, EODHD for bundled end-of-day prices (one key, cached daily across all tenants)
- Neither application contains analytics, telemetry, or advertising trackers
- TallyMint never holds or moves money; bank access is read-only in both versions

## Who it's for

Desktop: people who want full-featured personal finance software without paying yearly, and who want their financial data to stay on their own machine. Especially those migrating from subscription-based desktop finance tools.

Web: people who are not on Windows, who want the same ledger on several devices including a phone, or who would rather not set up a bank connection or manage backups themselves.

## Links

- Website: https://tallymint.app
- TallyMint Web (product page): https://tallymint.app/tallymint-web
- Sign up for TallyMint Web: https://accounts.tallymint.app/sign-up
- Sign in to TallyMint Web: https://app.tallymint.app
- Download free trial (Windows): https://tallymint.app/download
- Buy desktop license: https://checkout.dodopayments.com/buy/pdt_0NfK3w6390x5tEIg1itjI?quantity=1
- Support: support@tallymint.app
- What is TallyMint: https://tallymint.app/what-is-tallymint
- Quicken alternative: https://tallymint.app/quicken-alternative
- Security (both products): https://tallymint.app/security
- Privacy policy: https://tallymint.app/privacy-policy
- Terms of service: https://tallymint.app/terms-of-service
- Refund policy: https://tallymint.app/refund-policy

## Guides

- Guides hub: https://tallymint.app/guides
- Getting started with the Windows app: https://tallymint.app/guides/getting-started
- Setting up TallyMint Web (sign up, plan, bank connections): https://tallymint.app/guides/tallymint-web-setup
- TallyMint Web subscriptions and billing (plans, changes, cancelling, read-only): https://tallymint.app/guides/subscriptions-and-billing
- How to import Quicken QIF files: https://tallymint.app/guides/import-quicken-qif
- What is a QIF file (Quicken Interchange Format explainer: open it, Excel, QIF vs QFX): https://tallymint.app/guides/what-is-a-qif-file
- Bank sync setup, Windows app (SimpleFIN): https://tallymint.app/guides/bank-sync-setup
- Tracking investments: https://tallymint.app/guides/investments-setup
- Budgeting (monthly targets, auto-fill from averages): https://tallymint.app/guides/budgets
- Forecast your bank balance: https://tallymint.app/guides/forecast-bank-balance
- Move off Quicken: https://tallymint.app/guides/move-off-quicken
- Reconciling your accounts (cleared status, statement matching): https://tallymint.app/guides/reconcile-accounts
- Recurring bills and the bills calendar (auto-enter, skip, frequencies): https://tallymint.app/guides/recurring-bills
- Savings goals (account targets, monthly pace): https://tallymint.app/guides/savings-goals
- Loans and mortgages (amortization, principal/interest split): https://tallymint.app/guides/loans-and-mortgages
- Reports tour (spending, cash flow grid, month in review, net worth, tax, investments): https://tallymint.app/guides/reports-tour
- Backups, data file, moving to a new PC (license reactivation): https://tallymint.app/guides/backups-and-your-data

## Publisher

ks-bytebox