🔒 PRIVACY-FIRST FINANCE

Your Money. Your Data.
Zero Surveillance.

The only finance app that deliberately can't access your bank account.

Track spending, manage budgets, and maintain complete financial privacy.
Because your bank password is nobody's business but yours.

🚀 Start Free - No Bank Access Required 👁️ Try Demo
🛡️

Zero-Knowledge

We can't access your accounts even if we wanted to

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No Passwords

Never share bank credentials with third parties

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Free Forever

Privacy shouldn't cost $15/month

How It Works: The 30-Second Privacy Method

Simple. Secure. Your bank credentials stay with your bank.

1

Download From Your Bank

Log into your bank (like you always do) and download your transactions as a CSV file. Every bank offers this. It's your data.

10 seconds
2

Upload to TallyAndBalance

Drag and drop your CSV file. We auto-detect the format, map the columns, and categorize everything instantly.

15 seconds
3

Done. Seriously.

View your spending, track budgets, see trends. All without ever sharing your bank password with anyone.

5 seconds
Total time: 30 seconds per month
Your privacy is worth 30 seconds.

Mint, YNAB, Monarch vs TallyAndBalance

Why give them access when you don't have to?

Everyone Else

  • Requires your bank password - shared with third parties like Plaid
  • Data tracked & analyzed - your spending patterns are their product
  • Frequent re-authentication - broken connections every few months
  • Security breaches - Plaid, Equifax, and countless others have been hacked
  • $15-20/month - paying to be surveilled
  • Banks can block access - you're at their mercy
✨ THE BETTER CHOICE

TallyAndBalance

  • Zero bank access - your password stays private
  • Your data stays yours - we can't see it, sell it, or lose it
  • Works forever - banks can't block CSV downloads
  • Breach-proof - can't hack what we don't have
  • FREE - privacy shouldn't cost money
  • Complete control - you decide what to share and when

Why We Don't Connect to Your Bank

We could. We chose not to. Here's why.

We Built the Technology

When I started building TallyAndBalance, I looked into automatic bank syncing. The technology exists. The APIs are available. I could have done it.

Here's What That Would Require:

💸 $10,000 per month to Plaid (yes, really)

🔓 Storing your bank credentials in our database

👁️ Giving Plaid access to all your transactions

📊 Your data being tracked, analyzed, and potentially sold

💰 $15-20/month from you to cover the costs

🎯 One security breach away from disaster

Instead, We Chose:

✅ Your privacy over convenience

✅ Your control over automation

✅ Your security over features

✅ FREE over $15/month

✅ 30 seconds/month for complete peace of mind

We couldn't access your bank even if we wanted to.
That's not a limitation. That's the point.

Built by Someone Who Gets It

20 years in business. $14,400 wasted on software. Enough was enough.

Bill Kohlhaas, Founder

I ran an insurance brokerage for 20 years. Extended service contracts, F&I products—built a successful business.

Paid for QuickBooks from 2000 to 2020. $720/year for 20 years = $14,400.

What did I actually use? Recording expenses from my business credit card. That's it.

Then I looked at Mint, YNAB, and the others. They all wanted the same thing: my bank password.

I spent 20 years in F&I. I know what happens to data. I know how it gets sold. I know the breaches that don't make headlines.

No way was I giving my credentials to a third party.

So I built TallyAndBalance. Privacy-first. No bank access. No surveillance. No BS.

I'm 70 years old and retired. This isn't a venture-backed startup trying to raise money. It's just a tool I built for myself that respects privacy the way financial software should.

If you value your privacy like I do, you're welcome here.

— Bill Kohlhaas
Founder, TallyAndBalance

Everything You Need. Nothing You Don't.

Track spending, manage budgets, understand your money—without surveillance.

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Zero-Knowledge Privacy

We can't access your bank credentials because you never give them to us. Your security isn't our responsibility—it's impossible to compromise.

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30-Second Updates

Download CSV from your bank, upload to TallyAndBalance, done. Once a month. Faster than re-authenticating broken Plaid connections.

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Smart Categorization

AI-powered expense categorization that learns from your corrections. No third-party tracking required.

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Beautiful Reports

See spending trends, compare year-over-year, track budgets. Financial awareness without the surveillance.

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Works With Any Bank

If your bank offers CSV downloads (they all do), it works. No waiting for Plaid support or bank partnerships.

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Free Forever

No $10k/month API costs means we don't need to charge you $15/month. Privacy-first is also wallet-first.

Your Financial Data Is Nobody's Business But Yours

Join the people who chose privacy over convenience.
It only takes 30 seconds a month. You're worth it.

🚀 Start Free - No Bank Access Required

Free forever. No credit card. No bank password. No surveillance.

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