TallyMint

TallyMint is desktop personal finance software for Windows. It's a one-time purchase of $49.99 with no subscription, and your data stays in a single encrypted file on your own PC.

TallyMint handles the everyday work of managing your money: connect your bank and credit cards through SimpleFIN so transactions download automatically and match against your manual entries, track recurring bills that auto-enter on their due date, see your whole month on the bills calendar, set monthly budgets per category, and run reports on spending, cash flow, net worth, and taxes.

What sets it apart is cash-flow forecasting. TallyMint projects your account balances 30, 60, or 90 days into the future based on your scheduled bills, income, and recurring activity, so you know before payday whether you can cover every bill.

TallyMint also tracks your investments. Brokerage and retirement accounts sit next to your cash accounts with per-position holdings, market values, cost basis, and capital gains (FIFO, average cost, or specific lots, with long and short-term realized gains). Positions sync automatically through SimpleFIN, or refresh from your own free end-of-day quote key, including mutual fund NAVs.

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

Round it out with savings goals, loan amortization schedules, automatic recurring-charge detection, and QuickFill entry that fills in the category and amount from the last time you typed a payee.

It's built to be fast and stay out of your way. No cloud, no account, no tracking, no ads. Your financial data never leaves your computer. A private, offline-friendly alternative to subscription finance apps.

Windows 10 and 11. One-time $49.99. 30-day free trial with all features unlocked.