Stop stitching spreadsheets together every April. TallyHouse keeps your whole financial picture in one desktop app — per-property expenses map to Schedule E, investments track cost basis automatically. On your machine. No bank logins. Yours to keep.
No cloud. No bank logins. No tracking. Just your data, on your computer.
A budgeting app for spending. A spreadsheet for the rental. A broker site for investments. A drawer for the leases and the tax docs. None of them talk to each other — and most of them want your bank password and a monthly fee.
TallyHouse is the one place that connects all of it, and the one place that keeps it private.
No cloud account, no bank linking, no telemetry. Everything lives in one file on your machine, optionally locked with AES-256 encryption only you can open.
Cash, credit, investments, real estate, loans, crypto, and collectibles — net worth across every asset class, updating the instant you record anything.
Link a transaction — even one split line — to a specific property, vehicle, or business. The cross-domain connection no budgeting or net-worth app has.
Most apps show you a budget. TallyHouse shows you your balance sheet — cash, credit cards, brokerage and retirement accounts, real estate, mortgages, crypto, and the things you collect, all in one view. Balances are computed live from your ledger and holdings, never stale. Watch the trend with month-end snapshots and a month-over-month delta.
Each property pairs its value with its mortgage, so equity is calculated for you. Track leases with full tenant history, log maintenance jobs tied to the transaction that paid for them, keep contacts and documents together, and export a Schedule E when tax season comes. A real landlord tool, living inside your real finances — not a separate silo.
Drag in a bank or broker CSV/OFX and review every row before anything is saved — TallyHouse flags what's new and what's a duplicate. Save a per-bank mapping once and reuse it. Then let the rules engine categorize, tag, and even assign transactions to the right property automatically — on import or on demand.
Record your trades and TallyHouse computes FIFO holdings, cost basis, and unrealized gains — exactly, never with floating-point rounding. Enter prices yourself and keep full control of your portfolio's value.
Wine, watches, art, vehicles, equipment — build a custom collection with your own fields and decide whether it counts toward your net worth. Your assets, your categories.
A lease about to expire. An insurance renewal coming up. A bill coming due. An import waiting for a category. TallyHouse surfaces it all in one proactive feed, each item linking straight to where you handle it.
TallyHouse never asks for a cloud login because there is no cloud. Your entire database is one file you name and keep — back it up, move it, store it wherever you trust.
Turn on a master password and the whole file is encrypted with SQLCipher AES-256. Your key is derived from your password with Argon2id — memory-hard and brute-force-resistant — and is never written to disk; it's recreated from your password each time you open the app.
There's no backdoor and no "reset password" email, because we never hold your key. The flip side is honest and worth knowing up front: if you lose your password, no one — including us — can recover the file. Keep it somewhere safe.
One file, on your machine. Add a master password if you want it encrypted — or don't, and add one later.
Import bank and broker files, or enter accounts by hand. Rules tidy it up automatically.
Net worth, cash flow, property, and portfolio — connected, private, and yours.
Each does some of it well. Only one puts all of it into a private file you own. Legend: ✓ yes · ~ partial · ✗ no.
| Kubera cloud net-worth tracker | Monarch cloud budget + net worth | Actual local budgeter | TallyHouse | |
|---|---|---|---|---|
| Real estate as a landlord tool (leases, maintenance, Schedule E) | ✗ | ✗ | ✗ | ✓ |
| Data lives only on your machine | ✗ | ✗ | ✓ | ✓ |
| Works with no bank linking | ~ | ~ | ✓ | ✓ |
| Net worth across every asset class | ✓ | ✓ | ~ | ✓ |
| Full transaction ledger + cash flow | ✗ | ✓ | ✓ | ✓ |
| Link a transaction or split to a property / business | ✗ | ✗ | ✗ | ✓ |
None puts a full transaction ledger, real investment cost-basis, landlord-grade property tracking, and complete net worth into one private file you own, with no cloud account and no bank login. That combination is TallyHouse.
TallyHouse is in private beta. Join the waitlist and I'll reach out personally with a build and a few questions — I'm onboarding testers a handful at a time so I can actually talk to each one.
No — and that's deliberate. Your bank credentials never leave your control. You import CSV/OFX files instead, with saved mappings so it's fast.
In a single .thdb file on your computer, wherever you choose. There is no cloud copy. Back it up to a folder or drive you trust.
Optionally, yes — full-database AES-256 with a master password. The encryption key is derived from your password and never stored.
The data can't be recovered. We never hold your key, so there's no reset. Keep your password somewhere safe.
Yes — it's one file. Copy it. (Automatic device-to-device sync isn't here yet.)
No. TallyHouse organizes and exports your numbers (including Schedule E and category reports) so tax time is easy — but it never files for you.
Join the beta waitlist and I'll be in touch.
Windows first. macOS to follow.