Step 1
Tell Tally your numbers
Enter monthly take-home pay and recurring bills. Optional: a buffer you want to keep untouched.
All features
Purchase decisions
Should I buy this? Get a clear yes-or-no in seconds.
Most budget apps tell you what you spent last week. Tally tells you what you can spend right now. Plug in your income and recurring bills once, then sanity-check any purchase before you commit.
- Safe / Caution / Wait verdict in one tap
- Honors your existing bills and savings buffer
- Adjustable spending guardrails
- No bank login required
- Works in the browser on any device
- Free to start
How it works
From open to answer in under a minute
Step 2
Type in the purchase
Anything from a $40 dinner to a $1,400 laptop. Tally calculates how much wiggle room you have right now.
Step 3
Get a verdict
Safe means you're well within your means. Caution means it's tight. Wait means the math doesn't work this month — and it tells you why.
Built for
Made for the way you actually live
First-time budgeters
Skip the spreadsheet. Get the answer most budget apps make you calculate yourself.
Impulse-shoppers in recovery
A 10-second sanity check before clicking buy. Tally shows you the trade-off, not a guilt trip.
Big-purchase planners
Run laptops, appliances, and travel through the calculator before you commit.
Couples sharing money
A shared definition of 'we can afford it' that doesn't depend on whose week it is to feel responsible.
Frequently asked
Answers, before you ask
How is this different from a regular budget app?+
Most budget apps are backwards-looking — they categorize what you already spent. Purchase Fit Check is forward-looking. It answers the actual question you have at checkout: can I afford this, right now, without breaking other commitments?
Does Tally connect to my bank?+
No. Purchase Fit Check works entirely from numbers you enter yourself. That keeps it private, fast, and works even if your bank doesn't support open banking.
What does Caution actually mean?+
Caution means the purchase fits, but it would push you below the buffer you set for yourself. Tally shows the exact dollar gap so you can decide whether to delay, downsize, or use a different account.
Can I save scenarios for big purchases?+
Yes — on the free plan you can run unlimited what-if checks. Pro adds the ability to save scenarios and compare them side-by-side.
Is it free?+
The Purchase Fit Check is in the free Starter plan. Pro adds advanced rules (e.g. excluding savings transfers from 'available') and more historical context.
Try it free in 30 seconds
No credit card to start. Upgrade only when Tally is saving you real time and money.