Tallyhouse is a personal spending dashboard. It reads your bank and brokerage accounts through Lunchflow, sorts each transaction with keyword rules you control, and shows where your money went, month by month.
Set up whatever categories suit you, and mark any of them as not really spending — money moved to your own savings, an investment, a tax bill — to keep it out of the totals. Transfers between your own accounts are ignored, refunds are matched against the purchase they reverse, and foreign-currency payments are converted at the rate from the day they happened.
An AI review names the transactions your keyword rules did not match — the ones that would otherwise sit in "Other" — and offers a rule so the same payee names itself next time. It is never asked about a transaction your rules already handle unless you ask it yourself, which is what + rule on any row does: it works out what a filter for that payee should match on and leaves the category to you. It runs on your own OpenAI key, so what it costs is visible to you and billed to you, and you decide how much of it to buy: setup asks how far back the first pass should reach and shows what that comes to, and it stays editable in Settings.
Or you decide not to buy any of it. The OpenAI key is optional: leave it out and there is no review, nothing about your transactions ever reaches a model, and everything else works the same. Setup will offer, once, to propose your starting categories from your payee names on Tallyhouse's own key — say yes or no, and add a key in Settings later if you change your mind.
No advertising, and no third-party analytics or tracking — every page loads from this domain and nothing follows you off it, which is why there is no cookie banner to dismiss: the only cookie is the one that keeps you signed in. What this site does count for itself is a daily tally of how often its own guesses get corrected, plus the errors it hits — a name, a date and a number, with no account, no merchant and no amount in either. The privacy page gives both in full, along with exactly what is stored and where it goes. Your API keys are encrypted at rest, and Tallyhouse only ever reads your accounts: it cannot move money.
Tallyhouse is built and reviewed with Claude Opus 5, including passes aimed squarely at security: rate limits on everything that reaches a third party, a strict content-security policy, and a hard ceiling on what any single request can make the server do. Those reviews keep finding and fixing real things, which is rather the point — it is an AI code review rather than a professional audit, so take it as evidence of care rather than a promise that nothing is wrong.
All of it is open source — MIT, on GitHub — so none of the above has to be taken on trust: read the code that handles your keys, tell me what I got wrong, or send a patch. The bottom of every page names the commit this site is running and links straight to it, and a check on the repo re-confirms daily that the two still match.
And if you would rather not put your finances on somebody else's server at all, that is a reasonable instinct rather than a paranoid one. The README walks through hosting your own copy — the same app, on your own database, with your keys never leaving it.
You can export everything you have here as a single file, or delete your account and all of its data, at any time from Settings.
Setting up takes a Lunchflow API key, and an OpenAI API key if you want the review — the setup page explains where to get each one. Or start with the demo: invented data, no sign-up, and everything on this page working well enough to judge before you connect anything of your own.
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