Getting Started¶
Tally Up is a financial planning app designed to give you a complete view of your financial life — now, and in the years ahead.
Unlike simple budgeting apps, Tally Up is built for long-term planning. You can model your entire financial picture — savings, investments, pensions, income, and expenses — and see where it leads over 10, 20, or 30 years.
Your financial data never has to leave your device. Everything — your transactions, balances, and insights — lives on your device.
How Tally Up is organised¶
Tally Up is built around a handful of core concepts. Understanding them makes everything else straightforward.
Plan¶
A Plan is the container for your entire financial picture. It holds your people, assets, income, expenses, and projections.
You can have more than one Plan — useful for modelling different scenarios, such as retiring earlier or moving to part-time work.
People¶
People represent the individuals in your Plan — you, a partner, or anyone whose finances you want to include. Assets, income, and expenses can be associated with specific people, which matters for tax calculations and long-term projections.
Assets¶
Assets are your accounts and holdings: bank accounts, savings accounts, tax-advantaged accounts, pensions, investment portfolios, property, or cash. Tally Up tracks balances and transactions for each.
Transactions¶
Transactions are the activity within your assets — payments, deposits, transfers, dividends, and the buying and selling of securities. They can be imported automatically, imported from a file, or added manually.
Categories¶
Categories describe what your transactions mean. Tally Up organises your activity automatically; you can refine categories to match how you think about your money.
Forecast¶
Tally Up projects your financial position into the future based on your assets, income, expenses, and growth assumptions. The default view covers 30 years.
Set up in minutes¶
1. Create a Plan¶
Start with a Plan for your current situation. Give it a name — most people use their own name or "My Finances".
2. Add yourself (and anyone else)¶
Add the people whose finances the Plan covers. At minimum, just yourself.
3. Add your first asset¶
Start with the account you use most — a current account or savings account is a good starting point. You can connect a provider directly, import a file, or add it manually.
4. Bring in your transactions¶
Transactions will either appear automatically or can be imported from your bank. You do not need a full history to begin — a few months is enough to get useful reports.
5. Review your categories¶
Tally Up organises your transactions automatically. A quick review ensures everything is labelled correctly before you explore your reports.
6. Explore your reports¶
Your net worth, spending patterns, and long-term projections are now visible. Reports update automatically as your data changes.
Built for privacy¶
Tally Up is built on a simple principle: your financial data should remain under your control.
- All calculations — including forecasts and projections — are performed on your device
- Data syncs across your devices via your own iCloud account
Common questions¶
Does Tally Up send my data anywhere? No. Your data syncs across your own devices via iCloud. All reports and projections are calculated locally on your device.
How often do reports update? Reports update automatically as your transactions and balances change. Some reports that require heavier calculation refresh in the background and may take a moment to reflect the latest data.
How does Tally Up calculate projections? Forecasts are based on your current asset balances, the income and expenses you have defined in your Plan, growth and interest rate assumptions, and any budgets you have set. The default projection horizon is 30 years.
What banks and accounts does Tally Up support? Tally Up supports manual import via CSV or QIF for any bank, with direct connections available for supported providers. See Bank Connections for details.
What if I get a new device? Your data syncs via iCloud and will be available as soon as you sign in to Tally Up on a new device with the same Apple ID.
Have a question that isn't covered here? Reach out via Settings → Feedback.