Questions, answered plainly
No marketing spin — just what TallyFolio does, what it doesn't do, and where your data actually lives.
Product basicsPrivacy and dataImports and exportsFinancial calculationsRegistered plansInvestments and payslipsAI explanations
Product basics
3 questionsWhat is TallyFolio?
A private, single-user personal finance tracker. You track accounts, transactions, budgets, subscriptions, recurring items, investments, and private assets in one place — entered manually or imported from CSV statements you review before saving.
Is TallyFolio for individuals or teams?
TallyFolio is single-user by design. There's no shared multi-user collaboration — it's built as a private workspace for one person's financial record.
Who is TallyFolio built for?
People who want to understand and control their own financial data — especially anyone who finds bank-sync apps opaque, or who currently manages everything in a spreadsheet and wants more structure without giving up control.
Privacy and data
4 questionsDoes TallyFolio connect to my bank?
No. TallyFolio does not connect to banks. It's manual and CSV-import-first by design — there's no live bank connection at any point in the product.
Where is my data stored?
In your own Supabase project. TallyFolio has no shared application backend holding user data — your financial records live in infrastructure you control.
Does TallyFolio ever send requests to anyone else?
Almost never, and never with your records. One optional feature, off unless you turn it on, re-downloads a fund's published holdings file from the fund provider — the same public document any holder can download. It sends none of your accounts, balances, or holdings; the provider only sees that someone asked for that fund's file. See the privacy page for the full detail.
Does TallyFolio sell or share my data?
No. There are no ads, and your data is never sold or shared with third parties. See the privacy page for full detail.
Imports and exports
2 questionsCan I import transactions?
Yes. TallyFolio supports CSV-based statement import. You review each row before anything saves — nothing is written to your ledger automatically.
Can I export my data?
Yes. Reports and app data can be exported as CSV or ZIP whenever you want a copy of your own record. Exports are provided for your convenience and aren't a substitute for your own backups.
Financial calculations
2 questionsHow does the forecast work?
Forecasts are deterministic and calculated server-side from committed and expected transactions, recurring items, subscriptions, credit-card timing, and your spending averages — shown as 30/60/90-day scenarios. There's no predictive modeling involved.
Does TallyFolio calculate taxes?
It estimates; it does not file. TallyFolio computes estimated federal and provincial income tax from rate tables kept current by hand, so you can compare your own scenarios — which year to claim an RRSP deduction in, or whether the year's payroll withholding is running ahead or behind.
Nothing is filed, nothing is checked with the CRA or Revenu Québec, and a tax year whose rates have not been entered reads as unavailable rather than producing a number. It is not tax software and not a substitute for professional advice.
Personal estimate only. Not a tax return.
Registered plans
2 questionsCan I track TFSA, RRSP, or FHSA contribution room?
Yes. TallyFolio tracks contribution room as a personal estimate based on records you enter yourself.
Personal estimate only. Not connected to CRA.
Is my registered-plan room official?
No. These figures are estimates based on what you've entered — they are not synced to or verified against the CRA. Always confirm your official contribution room directly with the CRA before making contribution decisions.
Investments and payslips
3 questionsCan TallyFolio show what my funds actually hold?
Yes. Import the holdings file a fund provider publishes and TallyFolio distributes each fund position across the companies in that file, then combines it with what you hold outright — so employer stock owned directly and the same company sitting inside an index fund read as one exposure rather than two. It also reports currency exposure and how much two funds overlap. A fund with no holdings file is named and set aside rather than treated as empty.
Does this recommend what to buy or sell?
No. Every portfolio figure is descriptive — there is no score, no benchmark, and no suggestion to buy, sell, hold, or rebalance. TallyFolio does not give investment advice and does not project returns.
Descriptive only. Never investment advice.
What does the payslip page do?
It records Quebec payslips by hand and reads the year across every employer at once. Each employer withholds as though it were your only one, so with two jobs both start the tax brackets from zero and both apply every annual premium ceiling from zero. The page adds them together, checks the payslips on file against each employer's own year-to-date column, and estimates whether the year's withholding is running ahead or behind. Nothing is uploaded or parsed, and it never tells you what to do about a gap.
AI explanations
2 questionsIs AI required to use TallyFolio?
No. AI explanations are optional. The product works fully without enabling them.
Does AI calculate my numbers?
No. All financial totals and forecasts are computed deterministically, server-side, before AI ever sees them. If enabled, AI only explains figures that have already been calculated — it never produces or alters the values themselves.