😤 Sick of QuickBooks and their fees?  ME TOO.  ·  Try TallyAndBalance free →

🔒 PRIVACY-FIRST FINANCE

Done Paying $400 a Year for QuickBooks? Me Too.

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

🔐

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.
March 23, 2024

Mint Is Gone.
25 Million People Need a New Home.

After 17 years, Intuit shut down Mint on March 23, 2024 — and pushed its users toward Credit Karma, which doesn't even do budgeting. Transaction history? Gone. Custom categories? Gone. The budgets you spent years building? Gone.

Here's why it really happened: Mint's business was selling you. Every time you logged in, your spending patterns were being packaged and sold to credit card companies, lenders, and insurers. When Credit Karma could do that more profitably, Mint became redundant.

TallyAndBalance exists for one reason: because you deserve a budget tool
that works for you — not one that works you for profit.

25M
Mint users left behind
$0
Cost to use TallyAndBalance
0
Times we'll sell your data
Find Your New Home — Free Forever

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
⚠️ Breaking — July 2025

The Industry Just Changed.
Here's What It Means For You.

Three things happened in 2025 that every budget app user needs to understand.

🏦
July 2025

JPMorgan Starts Charging Plaid

JPMorgan Chase reported 1.89 billion data requests from aggregators in a single month — and decided free access was over. Plaid signed a new paid agreement. Estimated new bill: $300 million per year.

🚪
August 2025

Visa Walks Away Entirely

Visa — one of the largest financial companies on earth — looked at the new fee structure and shut down its entire US open banking operation. If Visa couldn't make it work, what does that tell you?

💸
Coming Soon

You Pay the Tab

Aggregators charge apps more. Apps charge you more. The $15/month budget app becomes $25/month — for the privilege of handing your bank login to a company you've never heard of.

While everyone else is negotiating who pays for your data,
we never asked for it in the first place.

Start Free — No Bank Login Required

Why We Don't Connect to Your Bank

We could. We chose not to. And the rest of the industry is proving us right.

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:

💸 $2,000+ per month to a data aggregator like Plaid

🔓 Storing your bank credentials in our database

👁️ Giving third parties 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

⚠️ And It's About to Get Much Worse

In July 2025, JPMorgan Chase started charging data aggregators like Plaid for access to customer bank data — data that had always been free to access before. JPMorgan reported receiving 1.89 billion data requests in a single month from aggregators alone.

By September 2025, Plaid signed a new paid data-access agreement with JPMorgan. Estimates put Plaid's new annual bill at up to $300 million per year — just for Chase customers. Other major banks are expected to follow.

Visa saw the writing on the wall and shut down its entire US open banking operation rather than pay the fees.

Those costs flow downstream. Aggregators charge apps more. Apps charge you more. The $15/month budget app becomes $25/month — for the privilege of handing your bank login to a company you've never heard of.

Instead, We Chose:

✅ Your privacy over convenience

✅ Your control over automation

✅ Your security over features

✅ FREE over $15-25/month and rising

✅ 30 seconds/month for complete peace of mind

While everyone else is negotiating who pays for your data,
we never asked for it in the first place.

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.

— Brian Killion
Founder, TallyAndBalance

Everything You Need. Nothing You Don't.

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

🔒

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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