TallyMint

TallyMint is personal finance software that answers a question most money apps skip: what will my balance actually be next month?

It projects your real account balances forward day by day for the next 30, 60, or 90 days, built from your scheduled income, recurring bills, and transfers. Not a budget category summary, and not a chart of what already happened. A running balance, dated, so you know before payday whether every bill clears.

Around that sits everything you would expect. Connect your banks and credit cards so transactions download and match against what you entered by hand. Track recurring bills that auto-enter on their due date and see the month on a bills calendar. Set monthly budgets per category, and let them feed the forecast if you want the projection to follow your plan. Run reports on spending, cash flow, net worth, and taxes, and export any view.

Investments sit next to your cash accounts, with per-position holdings, market values, cost basis, and capital gains using FIFO, average cost, or specific lots, including short and long-term realized gains.

Moving from another finance program? Import your history from QIF, OFX, or CSV in one pass. Accounts, categories, transfers, and full investment history including buys, sells, reinvested dividends, and stock splits all come across with cost basis intact.

There are two ways to run it. TallyMint Web runs in any browser on any device, with bank connections included, on a monthly or yearly subscription. TallyMint for Windows is a one-time purchase that keeps everything in a single encrypted file on your own PC, with no account and no cloud, and optional bank sync you connect yourself. Current pricing for both is on the website.

Try either one before you pay. TallyMint for Windows runs free for 30 days with no card and no email address. TallyMint Web starts a 7-day free trial the moment you create your account, also with no card, with full access including bank connections and a limit of 3 connected accounts. If you decide not to subscribe, your account turns read-only instead of closing, so you can still open and export everything you entered.

Same app, same features. Pick the one that fits how you want to own your data.